Sub Headline: The Psychology of a Business Owner May Surprise You Synopsis: Even successful business owners have self-doubt about maintaining an ongoing profitable enterprise. They lose sleep over their businesses just as a worried parent does over a child. The psychonomics of ownership is dealing with anxiety, most of which is unwarranted. Watch the video interview with nationally recognized author, speaker and retirement authority, Peter Hibbard. Content: Over the years, forty-five-year financial veteran Peter Hibbard was quoted as saying, “I don’t think I’ve ever met a business owner who hasn’t had some sort of paranoia about continuing their success, and very few are really ready for retirement.” Peter has also observed that, even among successful business owners, many do not have an exit strategy or succession plan. Many entrepreneurs are sweating bullets at night, as they lie awake worrying about their continued success, their business transition and their retirement lifestyle. And if that’s true for successful business owners, what of the marginally successful? The real story here is the human factor. Business owners are nagged by insecurities and a sense of powerlessness regarding preparing their businesses for success into retirement. The psychonomics of business ownership is very fragile and that’s Read more…
October 2019
Savannah Georgia’s Professional General Contractor American Craftsman Renovations Offers Superior Home Remodeling Services
American Craftsman Renovations is Savannah Georgia’s trusted general contractor with many years of experience in the industry and extensive knowledge of Savannah homes and structures. Homeowners that are thinking about renovating or remodeling their home rely on American Craftsman Renovations for home additions, kitchen and bathroom renovation services, interior and exterior painting services and more. Schedule your free in home remodeling estimate in Savannah with American Craftsman Renovations today by calling 912-481-8353. When it comes to remodeling or renovating your home, working with American Craftsman Renovations can help make all the difference. Because of our years of experience in the industry and knowledge of Savannah homes and properties, we are best equipped to handle even the most complex renovation projects. Moreover, we will keep you informed along the way, helping to ensure you have a positive and successful remodeling experience. We love working with our Savannah neighbors, helping them accomplish their remodeling goals. Whether you are looking to expand your home with a residential home addition, transform your space with custom kitchen and bathroom renovations or simply create a fresh new look and feel with interior or exterior painting services, we are here to help. Discuss your Savannah Georgia residential Read more…
Benefit Focused Defined Benefit Plans Can Super Charge Your Retirement
Overview: What distinguishes a retirement plan, which is Benefit Focused from one that is Lump Sum Focused (such as the traditional split funded insured defined benefit plan?) A Benefit Focused Plan provides no distribution or cash out of the lump sum value of the participant’s monthly retirement benefit. This restriction of no cash out permits the plan: to fund to a more valuable benefit, i.e. a 100% joint and survivor monthly retirement benefit; to provide a death benefit of 100 times the monthly pension until the death of the participant while the surviving spouse continues to receive the participant’s monthly benefit (vs. the traditional split funded plan where the insurance death benefit must end at normal retirement age), and; to protect the value of this benefit from estate tax since there is no distribution of this value (vs. the traditional split funded insured defined benefit with a single life annuity and a cash out at retirement). The fundamental plan provisions of the Benefit Focused Plan, which are backed by IRS letters of determination and include the most recent restatements, are what distinguishes the Benefit Focused Plan from Lump Sum Focused Plan. They include the following: The Benefit Focused Plan provides Read more…
Findit Features Members Hip Hop Bling, SMARTdesks, Titan Roofing, and American Craftsman Renovations
Findit, Inc. (OTC PINK:FDIT), a Nevada Corporation that owns Findit.com, shares the latest posts from some of our members. Featured today are Hip Hop Bling, SMARTdesks, Titan Roofing, and American Craftsman Renovations. Findit, is a full service social media content management platform that provides members with online marketing web tools and services that help create craft detailed status updates. Each Right Now post becomes its very own landing page, that can include a variety of content verticals such as photos, a video link, text description, audio file and a back link to the members website if they choose. Each boarder of the page includes navigation to that members content posted in Findit along with the members contact information for those that include it. Many of our members use Findit to compliment their social media online marketing strategy along with meeting their SEO objectives. In addition to Instagram, Twitter, Facebook, LinkedIn and Pinterest Findit is utilized to improve overall online web presence by increasing organic search results in search engines, along with increasing sharing to other social networking sites. Here are some of the latest posts from our featured members today. Hip Hop Bling HipHopBling.com has been trusted for 15+ Years Read more…
Start Your Student Debt Relief Counseling with Freedom Loan Resolution Call 888-780-6225
Freedom Loan Resolution services offers professional student debt relief counseling to students with past due student loans. If you are struggling to make ends meet as a result of your student debt along with other mandatory living expenses such as a rent or mortgage, utilities, car payments and other expenses, the time to take action is now. Get the student debt relief counseling that you need from Freedom Loan Resolution Services today, call 888-780-6225. There are several types of student debt relief programs that have been put into place to help students that are struggling with their student debt. The three main programs are student loan forgiveness, an income based payment plan or student debt loan consolidation. With student loan forgiveness, students may be eligible to have their student loan principle reduced, partial loan forgiveness, or a complete loan discharge. With an income based payment plan, your income level determines the ability for you to repay your loans along with your family size. In some situations, your student debt repayment could be calculated at $0.00 per month. With student loan consolidation, all of your student loans are organized into one new loan with one new payment at a price that Read more…
CBD Unlimited Announces Stage One $2 Million Financing Program
CAVE CREEK, AZ, Oct. 17, 2019 — CBD Unlimited, Inc., (EDXC) formerly known as Endexx Corporation (EDXC), a provider of innovative phytonutrient-based food and nutritional products, announced today an advancement of the company’s growth strategy, as the company secured a stage one $2 million financing program. CBD Unlimited’s three-pronged approach has made headway to its financial targets as a critical piece was completed in its short-term, mid-term, and long-term goals. The past year has provided CBD Unlimited, along with other companies in the Hemp industry, extended opportunities and increased demand with the legalization of hemp-derived products. The Company’s completion of this $2 million will be used for short-term manufacturing and fulfillment requirements. CBD Unlimited has activated multiple mass retail locations, surpassing its year-end goal of more than 5,000 stores, four months in advance of its forecasted year-end target. The Company plans to use these funds for inventory production and marketing, while expanding store count nationwide. “This announcement represents a significant milestone for CBD Unlimited, as “Family Offices” and small institutional investors recognize the value of early investments in this booming CBD industry. The money secures continued growth and its goal of establishing vital retail space in key storefronts nationally,” commented Read more…
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Findit Selected to Increase Awareness of Custom Formulation Skin Care Private Label Services Offered by NutraSkin USA
Findit, Inc. a Nevada Corporation (OTC PINK:FDIT) has been selected by NutraSkin USA, a custom formulation skincare and lotion manufacturer private label company based in Norcross Georgia, to assist in online marketing and increasing awareness of their brand. Founder John Wes Houser of NutraSkinUSA stated, “After beginning our campaign earlier in the month with Findit for NutraCap Labs and seeing the immediate impact in our search results and social engagement, we added NutraSkinUSA.com as well for Findit to assist us in achieving tangible search results.” https://www.youtube.com/watch?v=WIfJX6ZyMCk Findit is providing content creation, social posting and sharing through multiple Findit sites set up under the NutraSkin USA name. The campaign will consist of targeting specific long tail keyword phrases to increase and improve search results. Post on the go with the Findit App available on IOS and Android Devices Clark St. Amant of Findit stated, “We are looking forward to producing tangible search results for NutraSkin USA and to help improve overall brand awareness and web presence through social media content creation and sharing.” About NutraSkin USA At NutraSkin we focus on providing our customers with an industry-best customer service experience combined with the highest quality ingredients, formulations, label printing and packaging. Based just Read more…
Profit Sharing & Cash Balance Plans Can Add Significant Value to Retirement
Cash Balance A cash balance plan is a defined benefit plan that defines the benefit in terms that are more characteristic of a defined contribution plan. In other words, a cash balance plan defines the promised benefit in terms of a stated account balance. In most cash balance plans, a participant’s account is credited each year with a “pay credit” (such as 5 percent of compensation from his or her employer) and an “interest credit” (either a fixed rate or a variable rate that is linked to an index such as the one-year treasury bill rate). Increases and decreases in the value of the plan’s investments do not directly affect the benefit amounts promised to participants. As a result, investment risks are borne by the employee. When a participant becomes entitled to receive benefits under a cash balance plan, the benefits that are received are defined in terms of an account balance. For example, assume that a participant has an account balance of $100,000 when he or she reaches age 65. If the participant decides to retire at that time, he or she would have the right to an annuity based on that account balance. Such an annuity might be Read more…
Findit, Inc. Retains The Law Offices of Thomas C. Cook to File Form S-1 Registration Statement to Become a Fully Reporting Company
ATLANTA, GA / October 16, 2019 / Findit, Inc. (OTC PINK:FDIT) a Nevada Corporation which owns and operates the full service social networking content management platform Findit.com along with Transworldnews.com, equitiesnewswire.com, linkmyfan.com, linkmystock.com and other online web properties that include the Findit App available in the Apple App store and Google Playstore, retains the law offices of Thomas C. Cook to file Form S-1 Registration Statement to become a fully reporting company. Findit recently entered into the Topical B2B sales of Hemp CBD related products. The entry into this sector of the CBD market took place in the third quarter of 2019. Since Findit, Inc. has entered into the B2B wholesale CBD topical space, we have booked in excess of $325,000.00 between the third and fourth quarter. Findit has decided at this time to retain The Law Offices of Thomas C. Cook to draft and to file an S-1 Registration Statement with the Securities and Exchange Commission in an attempt to become a fully reporting company, and, eventually, move to the OTCQB. Findit has identified the Auditing Firm as well and will announce when they are formally retained. Findit, Inc., is planning on filing the Form S-1 registration after the 2019 fiscal year is completed Read more…
What You Need to Know About 401(k)s and Safe Harbor Plans
401(k) profit sharing plans are advantageous because they potentially allow you to contribute significantly larger amounts of money the plan compared to a SEP IRA, SIMPLE IRA or most other available retirement plans (excluding certain other defined contribution and defined benefit plans). The 401(k) profit sharing plan is available to any business, including businesses, which employ only owners and their spouses, including C corporations, S corporations, partnerships and sole proprietorships. The 401(k) profit sharing plan contains generally higher contribution limits compared to SEP IRA, SIMPLE IRA. Employer contributions — deductible contributions up to 25 percent of eligible compensation based on a maximum compensation amount of $270,000 (2017 limit.) (Slightly lower limits for sole proprietorship based on net Schedule C income and SEI tax adjustments.) Salary deferral contributions — Individual salary deferral of up to $18,000 of income (2017 limit). “Catch-up” contributions — If you are age 50 or older, you can contribute an extra $6,000 into your 401(k) plan in 2017. The sum of employer contributions and your salary deferral contributions cannot exceed $54,000 in 2017 ($60,000 for individuals over 50 years of age in 2017). Other key benefits: Contribution flexibility — As plan sponsor, you decide each year how Read more…