Employers: If your company is typical, 30 percent of your employees don’t participate in your defined-contribution retirement plan at all. Among those who do, fewer than half contribute the maximum allowed. Many invest too conservatively, borrow from their accounts or pay taxes and penalties on unwise early withdrawals. They’re discouraged by the results.
These employees are not getting all they could from their plans — and neither are you. Poor participation means employees don’t appreciate the program you’ve provided, so you’re not getting the recruiting and retention benefit you should. Automatic enrollment can boost participation but makes it even easier for employees to be disengaged.
Jeff can help. With a low-cost, easy-to-understand presentation of one to two hours, Jeff will show your employees how to get the most from your program. Jeff will:
- demonstrate the enormous value of compounding over time
- show why it’s important to counteract inflation
- teach employees how to calculate their retirement needs
- underscore how sound household budgeting can produce a bigger nest egg
- emphasize the value of making maximum monthly contributions with the help of professional Xero accounting
- show how each investment option can fit into a long-term strategy
- help employees allocate investments among various asset types
Jeff also offers presentations tailored to various groups of employees with specific needs, including:
Pre-retirees — those within five years of retirement, concerned with post-retirement investing strategies, wealth preservation, required minimum distributions, Social Security and Medicare
Mid-career employees, including those trying to “catch up” on retirement savings and those who need to balance retirement strategies with college costs or providing for elderly parents
Young workers who are just getting started in retirement saving, balancing long-term goals with the need to save for down payments on homes and paying off college loans
College savers choosing between Section 529 plans, Coverdell Accounts and taxable savings as they plan to provide for their children
Homeowners and prospective homeowners seeking advice on choosing a home, picking the best type of mortgage and deciding whether to buy or rent…
Almost every aspiring trader wants to enter the binary options financial market, with the sole intention of earning huge profits. However, in order to enter the financial market, traders must have a considerable amount of knowledge and information regarding trading and the variety of tradable assets. Here, discover the easiest way to enter on the binary options financial market.
Why Binary Options?
Binary options enable traders to adopt flexible trading strategies for either short-term or long-term benefit. In fact, traders can make huge profits through trading in the binary options market within a short frame of time. When compared to other forms of trading, binary options is easier to understand and follow, which is precisely why an increased number of traders are turning to this form of trading – see here how it works.
Tips for Entering the Market
Binary options trading strategies are simple to follow and comprehend. In order to enter this market, traders first need to identify a reputed and trustworthy binary options trading website/platform and later use it regularly for trading purpose. Following are some of the easy to follow steps and procedures that can help traders garner profits through binary options trading.
- Pick and asset for trading purpose.
- Make predictions with regard to the direction in which the price of the asset is likely to move.
- Pick the asset expiry date/time.
- Decide on the amount they wish to trade in the market.
- Enter into trading.
Once the traders have selected a trading platform and created their account with the website, they must make an initial deposit to be able to initiate trading. After the completion of this step, traders need to select an asset for the purpose of trading and choose either ‘High’ or ‘Low’ price options, based on their own predictions and calculations. Finally, they need to mention the amount that they are willing to invest/trade and select the “Buy” option to purchase the asset.
A number of advanced and unique binary options trading platforms also provide “One Touch/Click” trading feature to its users. Therefore, traders simply need to click on ‘Put’ or ‘Call’ the trade options to carry out their trades conveniently.
To sum up, binary options platforms are being widely used by traders across the globe, simply because they allow them to enter the financial market with a small amount of investment initially. Traders can seek acquire trading tips and advice through these websites and also collated useful background details regarding various tradable assets. They can also access graphs and historical data and take well calculated and appropriate trading decisions. …
Today’s newest business software types are fully oriented to the simplifying of each task, duty or whole department program that a company or firm operates and executes. The main idea in computerizing of some things we used to do by hand or for many hours in the office is by all means to cut off the expenses, as well as the working hours for the employees. Moreover – with the appearance of such software products, many flexible and more entrepreneurs and bosses excludes part of the staff members by turning putting them into the creative department – where the whole philosophy of a growing innovative company is – and made the software to their old work. Such a product, for instance is the portfolio management software. If you haven’t discovered it yet, let us give you some clues and ideas as to what it is and how it can improve your overall business activity, presence and most important processes.
Portfolio management software – Shortest explanation ever
Portfolio management software or just PPM is software digital project that centralize the entire management program in a company. This includes tasks like processes, methods and all the techniques used by the managers at once place, so the whole office, as well as part of the currently available customers or investors in a firm check on it. The purpose is clear – PPM aims to optimize the whole management process without losing even second for any manager or management department employee and to let them focus on some more useful activities for the firm.
What are the main features of common portfolio management software?
As any other software that is focuses on business improvement and office processes optimization, the PPM has several main key responsibilities that can discharge some of the currently existing management position your company. First of all, the portfolio management software provides pipeline management that is oriented to the final determination if a company can cope with all the currently assigned management tasks and issues. There is always a deadline according to which PPM shows the possibility and the chance for the final goal to be achieved. There is also a specially tailored framework that can show a list of resolutions for visible problems in then company’s management system. The resource management, meanwhile, makes the PPM program to show you the top resources that are suitable to be used for your current project, while the change control extra in such software helps mangers to be provided with a list of demands, inquiries, instructions and possible solutions for eventual ossifies in future, when ore or another process in the company will lead to some positive or negative changes.
The portfolio management software is ideal for both – big companies and small firms, because its main goal is not to help the staff only, but also to keep the company in a perfect control and organization! If you need such business improvements, PPM is excellent for you!…
Purchasing a home will most likely be the biggest and most
important investment you make. There are many things to
consider. The home buying process can seem complicated,
but if you take things step-by-step, you will soon be holding the
keys to your own home! The following steps will help guide
you through the process
1. Figure out how much you can afford
What you can afford depends on your income, credit rating,
current monthly expenses, down payment and the interest rate.
loan options, and get pre-approved
We can help you to determine if you qualify for special
programs, such as FHA, VA, My Community, or if a
conventional loan is best for your situation.
3. Shop for a home
You can do this on your own, or through a real estate agent.
Learn the pros and cons of each.
4. Make an offer
If you need help with closing costs, ask for the seller to help
5. Get a home inspection
Make your offer contingent on a home inspection. An
inspection will tell you about the condition of the home,
and can help you avoid buying a home that needs major
6. Shop for home owner’s insurance
Lenders require this. Be sure to shop around for the best rates.
7. Sign your papers
Once we get final approval from the lender on your loan, you
go to your “closing”. This will take place at a local title
company. Make sure you read everything and fully…
Paying off one loan by obtaining another; refinancing is generally done to secure
better loan terms (like a lower interest rate).
In a low interest rate climate, many homeowners also refinance for a shorter
loan term, so that they can pay off the mortgage on their homes sooner. If one
can get a lower interest rate by refinancing, he can often refinance a 30 year
mortgage with a 15 year loan with little to no increase to his monthly payment.
Remember, your situation is unique. Don’t be tricked into thinking that one
particular type of refinance loan is a must have just because your friend or
coworker just got “a great rate” on their latest refinance or because it was the
loan your parent’s had.
Refinancing to make home improvements is one of the best ways to build value
and equity in your home. Certain additions, particularly decks, kitchens and
garages, as well as a fresh coat of paint, can really raise your property’s value
and of course improve your quality of life. Some of these improvements can
return up to 200% on the amount you borrow to invest in them, however if you do
the work yourself you can create even more value, which helps your house stand
out from the crowd when it finally time to sell.
Having your loan to value ratio change is often a good reason to refinance your
mortgage. If the equity in your home has grown by a decent amount, a lender
may consider your risk level to be lower. That can result in being able to have a
lower interest rate.
Refinancing used to mean lowering your rate by two points. That simply is not
true anymore. You can save money just by removing mortgage insurance or
consolidating debt even at the same rate. If you are on an FHA loan you must
lower your rate by at least a half a percent from fixed to fixed and by two points if
you are going from fixed to adjustable.
Refinancing your mortgage has many benefits. Lowering your payment and
interest rate are the obvious first reasons. However, you can also refinance for
cash out to consolidate other bills and credit cards into one easy monthly
payment that could save you hundreds of dollars each month.…