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August 2018

Qualified Retirement Employer Plans May Make the Difference for Future Seniors

Defined Benefit Plans are one of the most useful of all retirement plans that can favor the older business owner with large income tax deductions while securing significant retirement and estate benefits. This is a brief outline of the potential benefits of these plans. Actual benefits must be calculated and certified by a qualified actuary. General Plan Design: These plans work best when the business owner(s) are older than the general employee population. A Defined Benefit Plan favors older employees because larger contributions are required in light of the shorter time to retirement. Contributions are mandatory each year based on the plan’s benefit formula, unless that formula is amended prior to the accrual of any benefits during the plan year (i.e. first few months of the plan year) or if the plan is terminated. These plans are best suited for those companies that have consistent profits and have a need for ongoing business tax deductions. Integration of a Defined Benefit Plan with a 401(k) Plan: We will strive to have the benefits of the non-key employees funded in the 401(k) plan, while the Defined Benefit plan will fund the benefits for the owners and older employees. Plan Contributions by the   Read more…

CBD Unlimited’s CBD Oil And CBD Concentrates For Inflammation Pain Relief Provide Fast Pain Relief

CBD Unlimited’s CBD concentrates and CBD oil for inflammation pain relief can be a natural pain relief alternative to many prescription medications and otherwise expensive commonly available treatments. Medical research continues to advance our understanding of cannabidiol, and with it, a broadened understanding of just how many potential medicinal benefits it can bring. CBD, or cannabidiol acts as an agent of homeostasis throughout the body, bringing about balance and a natural equilibrium where before there was none. These effects can most commonly be seen in the mitigation of pain-like symptoms. Cannabidiol can provide more than pain relief: as a regulator, CBD has been shown to help quell dopamine irregularities that could give rise to anxiety and migraines, minimize the growth of harmful cancerous cells, and even minimize inflammation throughout the body, wherever it’s found. Perhaps the greatest overall benefits of CBD Unlimited’s pure hemp extracted CBD oil for sale and CBD isolate products are that they can provide these benefits, with no real side effects. Studies have shown that if CBD has been shown to create the side effects of dry mouth and slight nausea, these effects have been traced back to impurities within the hemp by which the CBD   Read more…

Savannah Georgia’s Trusted General Contractor American Craftsman Renovations Provides Homeowners with The Best Remodeling Services

Homeowners in Savannah Georgia that are thinking about remodeling or renovating their home rely on American Craftsman Renovations, the best residential general contractor in Savannah Georgia. We have years of experience under our belts and are extremely familiar with Savannah properties, making us the trusted and preferred choice for your kitchen and bathroom renovations, home additions, or structural repairs. Give us a call today for more information at 912-481-8353 and schedule your home remodeling consultation in Savannah. Transforming your home with a new kitchen or bathroom is a great way to create a more functional and inviting space for you or your family. Not only will we will help you create the space you’ve always wanted, but keep in mind that a recently renovated kitchen or bathroom can help increase the value of your property too. Let us sit down with you and discuss your needs so that our final project accomplishes your remodeling goals. We are not like other general contractors that are looking to rush through your remodeling or renovation project. We will work wit you one on one throughout the entire process to identify your wants and needs to so that we can bring your vision for   Read more…

Mableton Carpet Installers at Select Floors and Cabinets Help Homeowners Transform Their Homes’ with Gorgeous New Carpet Floors

Select Floors and Cabinets offers homeowners in Mableton Georgia with the best residential carpet installation services. Our installers have over 15 years of experience in the industry, making us the trusted and preferred choice for all your carpet flooring needs. Come browse our extensive collection of carpet today and find the perfect floors for your home. Schedule your carpet installation in Mableton with Select Floors and Cabinets, call 770-218-3462. When it comes to picking out the right flooring for your home, the massive selection available to homeowners can be overwhelming. Fortunately, when you work with our professional installers, we will help guide you through the process one on one, ensuring you have a positive flooring experience. Carpet is a great choice for many rooms in your home such as bedrooms, living rooms, basements, and even offices. With today’s technological advancements in the carpet making industry, new stain resistant fibers means homeowners with pets and children need not worry as much about stains ruining their new flooring. Rely on us to get the job done the right way, the first time. We are not like other flooring contractors looking to rush through your flooring project. We take our time with your   Read more…

Security Lock Systems Offers Customized Security Plans For Commercial Businesses in Tampa

Tampa businesses looking to enhance the security of their property rely on Security Lock Systems and our expert security integrators in Tampa. We understand that no two commercial properties are the same which is why we create customized security plans for commercial businesses. We will assess your property to best determine its needs and make recommendations on how you can improve the overall security of your business. Call our Tampa security integrators today at 813-874-1608. While all commercial businesses have their own reasons for professional security equipment (such as expensive server rooms, merchandise, hardware, computers, or even cash on site) we know that no one building is made the same. We have a full suite of high end locking hardware and security equipment that, together, can be used to create the ultimate defense against outside threats. Our security integrators will inspect your property to determine potential target areas of an attack so that the right security defenses can be put in to place to monitor, protect, and defend your property. No burglar wants to be recorded in the act of committing a crime which means the very presence of video surveillance cameras can help deter crime before it happens. Moreover,   Read more…

Security Lock Systems Installs Residential Keypad Systems For Homeowners in Tampa

Residential keypad systems are a great choice for homeowners looking to replace their older residential locks with new, high end smart locking hardware. Keypad systems offer convenient access to your property and many of today’s technologically advanced systems will keep a log of each time someone enters your property. This system is great for monitoring kids and visitors while also providing a safe and effective solution to giving out access to your home without distributing physical keys. Call Security Lock Systems today at 813-874-1608 to schedule your residential keypad installation in Tampa. At Security Lock Systems, we understand that residential security is likely one of your top priorities. We will come out and inspect your property to best determine its needs for enhancing the overall security of your property. Residential keypad systems work great on front doors, side doors, rear doors, or any entry that will require multiple people having access to your home through that specific entry way. Most residential keypad systems have the ability to create virtual keys or temporary keys, so you can give out different key codes to different people that will work specifically for their needs. This means that the one master code can be   Read more…

CBD Unlimited’s CBD Oil And CBD Isolate For Sale Come From 100% Pure Hemp

CBD Unlimited is proud to provide the absolute purest CBD oil, CBD isolate and cannabidiol products for sale. Within the medicinal community CBD has continued to make inroads towards becoming a viable treatment alternative to many prescription opiates currently available. From pure hemp extracted CBD oil to potent CBD topical balm and topical spray, CBD Unlimited provides a wide range of cannabidiol clients for our customers. All of our cannabidiol products are derived from 100%  pure hemp, tested thoroughly by third party laboratories for potency and purity, ensuring our customers have nothing but the very best CBD experience. Impurities within the hemp by which the CBD is derived is the foremost concern for our staff- it is these very impurities that side effects have been attributed to. If side effects of dry mouth and slight nausea are seen to occur, these effects have been directly linked to said impurities. CBD Unlimited constantly strives to provide the purest product for our customers- many with severe anxiety, migraines, chronic nerve pain, inflammation issues or just seeking a clear mind have turned to our products with the knowledge that they can find relief, without side effects. Settling with our health is not an   Read more…

The 529 College Savings Plan

The federal formula for assessing how much a family can pay for college is strictly focused on the finances of parent and child. So 529 plans opened by grandparents go uncounted in the federal calculus. In distributing their own aid, however, colleges often look at all 529 plans that name the student as beneficiary. So even if the strategy works for the federal-aid calculation, it won’t necessarily work for the institution’s own aid assessment. – From Wall Street Journal; December 18th, 2006 Here are a couple of lines taken from CSS Profile, Section Q #521) Enter the total value of assets held in Section 529 college savings plans that were established for the student by someone other than the student’s parent(s) #523) Enter the estimated amount that will be withdrawn for the student for the 2017-2018 academic year from Section 529 plans established for the benefit of the student. If you own a 529 Plan, make sure you have a competent college funding advisor examine it BEFORE you apply for financial aid. One last thought: 529 Plans are often funded with mutual funds and ETFs. A lesson learned during the “lost decade” (2001-2010) is that markets are volatile. The S&P   Read more…

DHEA Allows Deep Sleep And Less Fat

Houston, TX – Half the U.S. adult population suffers from poor quality sleep at night. Sleep drives energy, focus, and sense of well-being. More than 7 out of 10 adults in the USA are overweight   Hormones drive many aspects of our lives: how we sleep, how we feel, energy levels, mood, drive, muscle tone, and fat. A plentiful normal balance of hormones over time is best to stay healthiest. An essential pro-hormone or  hormone precursor is DHEA, abbreviation for dehydroepiandrosterone.   Medical research findings show that higher DHEA levels are associated with deeper REM sleep, thus allowing sounder sleep at night. Higher levels of DHEA also help support immune function and reduce the risks of cancer. People with higher levels of DHEA have less abdominal fat and a lower risk of cardiovascular disease. While people with lower levels of DHEA have more abdominal fat, sleep poorly, and have a greater risk of developing cancer.   Many unpleasant signs people are getting older are driven by declining hormone levels. The naturally occurring pro-hormone DHEA is the most abundant foundation or base from which the body makes hormones. Levels of DHEA made by the body gradually increase until about age 25,   Read more…

Financial Aid for A College Education

There is so much misinformation surrounding the financial aid that is costing eligible families thousands of dollars every year, some of which is grant or discounted college programs. Separating the myth from reality will reveal opportunities to secure college financing that you may not have considered or even known existed. Shockingly, it is estimated that there is as much as $245 billion in total financial aid available, much of which is untapped. So the funds are out there. To secure your piece of the pie you need to calculate your family need. Once you’ve applied and have been accepted to your college of choice, you need to determine the cost of attendance (COA). The COA includes tuition, books, room & board, etc. Then you need to determine your expected family contribution (EFC). The EFC is comprised of parents and student ‘s earned income, assets, ages, the number of children in school, etc. Then you subtract the EFC from the COA and the result is the aid your family is eligible for. The four main sources for college financial aid are the federal and state government as well as college (university) and private sources. The first step is to apply. No   Read more…

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