Month: December 2019

Tax-Free Retirement Planning Services

Tax-Free Retirement Planning Services

For several independent people and also local business proprietors, company retirement are an essential component of retired life financial savings. Comprehending just how the company retirement suits a total retirement is very important to being able to intend sufficiently for retired life.

Congress thinks that companies must be motivated to aid people in this retired life drawing board. Congress identifies that although several staff members comprehend the significance of establishing cash apart, couple of recognize the web link in between their retired life financial savings as well as their total retired life preparation.

Congress currently allows companies that fund a company retired life strategy to supply Qualified Retirement Planning Services to workers or their partners as a tax-free edge advantage.

What makes this brand-new advancement specifically intriguing to independent people as well as local business proprietors is that it allows them to invest pre-tax bucks on retired life preparation solutions. Fringe benefits consist of boosts in worker task fulfillment and also retention, and also worker strategy involvement.

The retired life preparation solution is offered on an employer-paid basis. The worth of the Qualified Retirement Planning Service itself is not credited the worker or consisted of in gross income. Therefore, the worth of the solution is exempt to Social Security, Medicare, or earnings tax obligation withholding.

Very made up workers might just omit the worth of the solution from revenue if the solution is readily available on a non-discriminatory basis per participant of the team of staff members that is generally supplied education and learning as well as details concerning the company strategy.

This team of people normally consists of all individuals in the company retirement. The IRS might allow companies to limit retired life recommendations to people nearing retired life age under the strategy.

The Qualified Retirement Planning Services a company gives might consist of recommendations and also details relating to retired life preparation for a private and/or his partner regarding exactly how the company retirement suits their general retirement. Company retired life prepares consists of SEPs, SIMPLEs, Profit Sharing Plans, Money Purchase Pension Plans, 401(k)s strategies, annuity strategies, and also 403(b) and also 457 strategies.

As constantly, the worth of any kind of tax obligation prep work, accountancy, lawful or broker agent solutions offered by the company should still be consisted of in the gross income of the staff member.

You will certainly desire to speak to a competent economic expert if the schedule of making use of pre-tax bucks to obtain excellent specialist retired life preparation guidance is appealing to you. A competent monetary expert can supply even more info on the Qualified Retirement Planning Services offered to you as well as your partner.

Congress identifies that although several workers comprehend the significance of establishing cash apart, couple of recognize the web link in between their retired life financial savings as well as their total retired life preparation.

Congress currently allows companies that fund a company retired life strategy to offer Qualified Retirement Planning Services to staff members or their partners as a tax-free edge advantage.

The IRS might allow companies to limit retired life suggestions to people nearing retired life age under the strategy.

The Qualified Retirement Planning Services a company supplies might consist of recommendations as well as info concerning retired life preparation for a private and/or his partner regarding just how the company retired life strategy fits right into their total retired life strategy.

The post Tax-Free Retirement Planning Services appeared first on ROI Credit Builders.

How to Grow and Connect with Your Online Network

Unquestionably, businesses, entrepreneurs, professionals, CEO’s, school teachers, NGO’s and any person looking to provide services or influence others, must invest time into growing their social channels. After all, that’s were everyone is these days! Looking at the numbers, these are the largest social channels: Facebook ((largest social media network in the world) with 2.45 billion monthly… …

New comment by hwwc in "Ask HN: Freelancer? Seeking Freelancer? (December 2019)"

SEEKING WORK | Design, Full Stack Development & Data Engineering
Location: US Remote: Yes

We’re a multidisciplinary designer/developer team experienced in the entire web application stack:
– Wireframing & design mockups
– Design systems
– Front & back-end development
– Web accessibility & responsive design
– ETL
– Database design & Data APIs
– Devops & build tooling

For every client, we focus intensely on:
– a coherent design system for better user experience
– performance as a part of the user experience
– maintainable code
– timely and transparent communication

Relevant projects include:
– A web platform for reporting & analyzing the state of open source software (https://opensourcecompass.io/).
– An analytics engine for web applications (https://github.com/hwchen/tesseract).

Primary Skills:
Sketch, Photoshop, (S)CSS, JS, React/Vue/Svelte, Rust, Linux, Google Compute Platform, ClickhouseDB, Postgresql

Production experience with:
Python/Pandas, Node/JS, AWS, Docker, Redis, MySql, Nginx, PHP

Github: https://github.com/hwchen | https://github.com/perpetualgrimace

Contact: hello@hwc.io

New comment by mahmoudimus in "Ask HN: Who is hiring? (December 2019)"

Very Good Security, Inc. | San Francisco/Phoenix/Ukraine | ONSITE | Full-time | https://www.verygoodsecurity.com/jobs/

Very Good Security (VGS) is building a developer-friendly way to embed data security and privacy into both existing and new applications today. As data is increasingly becoming a liability and less of an asset, VGS’s “Zero Data” concept allows any application to operate on its data without the actual possession of the data. The result is the easiest platform to collect, protect, and exchange sensitive data. Your applications instantly have the benefit of pass-through compliances such as PCI DSS, SOC2, GDPR, CCPA, etc.

We are accepting applications for individuals who are interested in:

  - reverse engineering
  - cryptography
  - data security & privacy
  - application security
  - developer experience

If you’re interested on working to making best practices accessible to developers everywhere, come join us. We have a very ambitious roadmap, well funded (>$45MM raised from world class investors, https://www.verygoodsecurity.com/about-us), and growing at a very fast pace!

When applying, please let us know why you think you’d make a great candidate. You can find open jobs here: https://www.verygoodsecurity.com/jobs/. If you do not see a role that you’re interested in, but are interested in learning more, please apply anyway!

Feel free to email me directly (https://news.ycombinator.com/user?id=mahmoudimus) with any question about what we are building.

P.S. Here’s a puzzle that will avoid recruiters to speak directly to me (https://puzzle.becomeverygood.com).

Riches Management Solutions-Options Abound!

Wide Range Management Solutions-Options Abound! Riches administration is a hard idea to comprehend for lots of people, specifically in regards to financial investment as well as financial savings for the future. With alternatives like supplies, bonds, 401K’s, 529’s, as well as extra, selecting the appropriate riches monitoring choice can be hard at finest as well … Continue reading Riches Management Solutions-Options Abound!

Resource: Liverpool'' s Grujic collection for Germ…

Craig Burley as well as Steve Nicol assess Fernando Torres’’ job at and also after Liverpool, adhering to the news of the Spanish demonstrators retired life.

Experience among Fernando Torres’’ most remarkable objectives with Liverpool as he introduces his retired life.

Craig Burley makes the instance that Atletico Madrid and also France celebrity Antoine Greizmann would certainly be simply what Liverpool requirement to test Manchester City even more following period.
Liverpool midfielder Marko Grujic is readied to go back to the Bundesliga for one more car loan with Werder Bremen and also Eintracht Frankfurt fighting Hertha Berlin, where he invested last period, for the gamer’’s trademark, a resource informed ESPN FC.
Grujic, 23, satisfied at Hertha throughout his financing in the 2018-2019 period. Regardless of a number of small injury problems, he made 23 affordable looks for the resources club, racking up 5 objectives and also establishing one more one.
– When does the transfer home window close?
Last period, …

The post Resource: Liverpool” s Grujic collection for Germ… appeared first on Buy It At A Bargain – Deals And Reviews.

Wells Fargo Business Platinum Credit Card: What It Is and What It Isn’t

The True Story of What You Can Do with a Wells Fargo Business Platinum Credit Card, and What You Can’t

It can be a bear to figure out which credit cards are worth your time to apply and for and which ones are not.  If you like to play the loyalty points and balance transfer game, it can be equally as daunting to figure out which combinations of cards work best for your needs.  The Wells Fargo Business Platinum credit card is great for many purposes.  It isn’t for everyone though.

To understand if this card is right for you, and how it compares to other cards out there, keep reading.

Check out how our reliable process will help your business get the best business credit cards.

Wells Fargo Business Platinum Credit Card New Customer Perks

Many cards offer a new customer bonus.  The Wells Fargo Business Platinum credit card is no different.  Currently the offer to new cardholders is a one-time $500 cash back bonus or 50,000 bonus points.  That is, if you enroll in their rewards program and spend $3,000 in the first three months.  They also offer a $0 rewards fee annually.

Wells Fargo Business Platinum Credit Card Cash Back and Points

The Wells Fargo Business Platinum credit card offers 1.5% cash back on every $1 spent.  In addition, you can earn 1 point per $1 and 1,000 bonus points if you spend $1,000 or more in any month.  There are no required spending categories or caps.

Users can redeem points for gift cards, merchandise, airline tickets and more.  In addition, you can earn a 10% credit by redeeming points online.

Wells Fargo Business Platinum Credit Card Interest Rates

This card offers a 0% introductory rate for first nine months.  After that, Interest rates are prime + 7.99% to Prime + 17.99% on purchases.  Cash advance rates are prime + 20.74%.

Which Businesses Benefit Most from the Business Platinum Credit Card?

Not all cards work well for all businesses.  This card works best for those that meet the following characteristics:

  • Businesses with annual sales up to $2 million
  • Those wanting the ability to choose between cash back or points
  • Businesses that need an easy way to manage business expenses
  • Those needing to add employee cards. The Wells Fargo Business Platinum credit card allows up to 99 employee cards with no additional fee.

Other Benefits of the Wells Fargo Business Platinum Credit Card

In addition to those already mentioned, this card also boasts the following.

  • Cash management tools
  • Spending reports available online
  • Online banking and bill payment options

How Does the Wells Fargo Business Platinum Credit Card Compare to Other Cards?

It really just depends on what you need and what you qualify for.  Here are some other options for comparison purposes.

Discover it® Cash Back

You can earn 5% cash back at different places each quarter. Gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs all qualify. There is a quarterly maximum each time you activate however. On top of that, automatically get unlimited 1% cash back on all other purchases.

You will earn an unlimited dollar-for-dollar match of all the cash back you have earned at the end of your initial year, automatically.

For this card, your APR will be 14.99% to 23.99% based on creditworthiness and the market rate, which is based on the Prime Rate. Find out more about this card here.

Check out how our reliable process will help your business get the best business credit cards.

Wells Fargo Business Secured Credit Card

This is another Wells Fargo card that may work better for you if the Wells Fargo Business Platinum credit card is not an option.  It charges a $25 yearly fee per card (up to 10 employee cards).  In addition, it requires a minimum-security deposit of $500 (up to $25,000). It’s designed to help cardholders build or rebuild their credit.

If 1.5% per dollar in purchases with no limits or earn one point for every dollar in purchases sounds like something that would work for your business, this is the card for you. Additionally, you earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.

You will also have access to free FICO scores every month. It’s important to note that there are no foreign transaction fees, and it is possible to upgrade to unsecured credit.  They will review your account regularly to see if you are eligible for an upgrade to an unsecured card.  Approval is not guaranteed and depends on factors including how you manage this and your other accounts.

APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. Since this is a secured card meant for building credit, it is not a good option for balance transfers.  Find out more about this option here.

Chase Sapphire Preferred® Card

If you travel, the Chase Sapphire Preferred® Card is a great option.  They offer two points for every dollar on dining and travel.  Other purchases will earn you one point per dollar.  Trade the points in for the regular parade of cash back, gift cards, or travel.

Other benefits include trip cancellation insurance, travel, and emergency assistance services. They also include an auto rental collision damage waiver, purchase protection, and extended warranty protection.

When you spend $4,000 in the initial 3 months from account opening, you will get 50,000 bonus points. These points are worth $625 if you redeem them for travel through Chase Ultimate Rewards.

There is no 0% introductory APR on purchases or balance transfers. The card’s standard APR is 17.74 — 24.74% variable. Also, there is an annual fee of $0 introductory for the first year. After that it is $95.  Find out more or apply here.

Business Platinum Credit Card Credit Suite2

Ink Business Preferred ℠ Credit Card

With this card, cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising. The cap on this is $150,000 each year.  All other purchases earn an unlimited one point per dollar spent.

In addition, you get 80,000 bonus points when you spend $5,000 in the first 3 months from account opening. There is an annual fee of $95.  However, you can add employee credit cards at no additional cost.

One drawback is there is no introductory APR. Find out more and apply for this card here.

Discover it® Student Cash Back

Be sure to look at the Discover it® Student Cash Back card. It has no yearly fee and offers a six-month introductory period of 0% APR on purchases. After six months, there is an APR of 14.99 — 23.99% variable on all purchases.

One exceptional feature is that this card offers an incentive for students to maintain good grades.  Those with a GPA of 3.0 or higher each year will get up $20 statement credit.  This is good for up to 5 years.

Since it is developed with students in mind, this card is great for building personal credit. Of course, this is different than business credit.  However, for new credit users, FICO scores will be important also. This credit card offers an outstanding way to raise FICO while also getting rewards.

You can earn 5% cash back at different places each quarter like grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, the card offers unlimited 1% cash back on all purchases.  Also, all cash back rewards are matched 100% the first year.

Drawbacks include a cash advance fee of either $10 or 5% of the amount of every cash advance, whichever is more. Even though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.  Find out more here.

Hilton Honors American Express Ascend Card

This one earns hotel rewards points, so it is best if you spend a lot of time in hotels. Get up to 12 points per dollar of eligible purchases at participating Hilton hotels or resorts.

In addition, you automatically get Hilton Honors Gold status. That means room upgrades when available, and a 5th night free when you book a rewards stay of 5 nights or more.

This credit card has a variable purchase APR of 17.74 — 26.74%.   Also, there is an annual fee of $95.

Special offers include a 125,000-point welcome after making $2,000 in eligible purchases within 3 months after opening the account.  Additionally, earn a free weekend night award after making $15,000 in eligible purchases on your card in a calendar year.

Check out how our reliable process will help your business get the best business credit cards.

If you spend $40,000 on eligible purchases with the card within a calendar year, you can earn Hilton Honors Diamond status through the end of the next calendar year. This status includes all the benefits of Gold status. Find out more here.

Where Do You Start?

This is just a sample of what is out there and I am certain you can already see how hard the choice can be.  While some narrowing down is easy, based on things such as spending habits and eligibility, other factors are not so cut and dry.

The first thing you should consider is what is actually available to you.  Which cards are you eligible for based on your business income and credit?  If you currently are not eligible for the cards you want, you can do a couple of things.

The easiest is to start building your business credit.  If you don’t already have business credit, now is the time to make that happen. If you haven’t done the following already, they need to be handled first.

  • Incorporate as either a Corporation, S-corp, or LLC.
  • Get an EIN.
  • Get a D-U-N-S number.
  • Make sure your business has its own phone number, address, and fax number separate from your personal ones.
  • Open a separate business bank account.

How Do You Build Business Credit?

After you do these things, you can begin to open tradelines with starter vendors in the vendor credit tier.  These are vendors that will give you net terms on invoices, and then they will report your payments to the business credit reporting agencies (CRAs).  Find out more about the vendor credit tier and some great starter vendors here.

After there are enough of these vendors reporting on-time payments, your business credit score will be strong enough to start applying for credit cards in your business name.  Start with the retail credit tier.  These are store specific cards, such as a Staples credit card or a Best Buy card.  When you apply, use your business name and contact information along with your EIN.  Do not use your name, SSN, or contact information for anything other than identity verification.

As you get more of these cards and use them wisely, you will be able to apply for fleet cards that you can use to manage fuel and auto maintenance expenses.  Those would be from companies like Fuelman and Shell.

Lastly, you can apply for cards in the cash credit tier, which is where the Wells Fargo Business Platinum credit card falls. Other general, non-store associated cards fall into this category as well.

Is the Wells Fargo Business Platinum Credit Card Best for Your Business?

It depends on what you are looking for and what you are eligible for.  If the rewards with the Wells Fargo Business Platinum credit card fit your spending habits, and if you are eligible, then yes, this card may be right for you.

It can help to choose a few of the best cards that you may qualify for, and make a list of their pros and cons.  Maybe the rewards are perfect for you, but there is an annual fee.  Try to evaluate your spending to determine if the rewards will make the annual fee worth it.  Will you earn more than the annual fee in cash back or points?

If you need to do some work on your business credit before you are eligible for approval, there are other options.  Do some research, and in the meantime follow the steps outlined above to get your business credit score up to par.

It really is a balancing act between what you need rewards wise and what you actually qualify for.  Take some time to evaluate these things, do some research, and find the card that will work best for your business.  It may be the Wells Fargo Business Platinum credit card, but it may be something else entirely.

 

 

The post Wells Fargo Business Platinum Credit Card: What It Is and What It Isn’t appeared first on Credit Suite.

A Guide To Chapter 7 Bankruptcy

A Guide To Chapter 7 Bankruptcy

Personal bankruptcy is a legitimately stated failure of services or people to release their financial debts. A proclaimed state of insolvency can be asked for not just by financial institutions in an initiative to obtain what they are owed yet additionally by the financially troubled person or company. Stating the personal bankruptcy might be the best service to financial debt issues if it is tough to pay off financial obligations.

Out of 6 fundamental kinds of under the Bankruptcy Code, Chapter 7 is a “liquidation” of nonexempt properties to pay financial debts. In a court-supervised treatment, a court assigns a trustee that sells off the non-exempt possessions of the borrower’s estate and also makes circulations to financial institutions. The Bankruptcy Code permits the borrower to maintain specific excluded home; however a trustee will certainly sell off the borrower’s continuing to be possessions.

According to the modifications to the Bankruptcy Code passed in to the Bankruptcy Abuse Prevention and also Consumer Protection Act of 2005, if a borrower’s earnings remains in extra of particular limits, the borrower might not be qualified for phase 7 alleviation. Submitting a request under phase 7, instantly remains a lot of collection activities versus the borrower or the borrower’s residential or commercial property, however prospective borrowers must understand that the declaring of a request under phase 7 could cause the loss of residential or commercial property.

After Chapter 7 personal bankruptcy, one will certainly not much longer owe cash on bank card, unprotected financings, overdue medical facility, clinical as well as energy expenses as well as overdue rental fee. Financial obligations like state and also government tax obligations (unless they are much more than 3 years old), youngster assistance called for by regulation; spousal support, government-backed pupil car loans, financial obligations due to fraudulence, charges, financial obligations as well as penalties due to unyielding injury to one more individual or residential property are not removed by Chapter 7 personal bankruptcy.

Simply a couple of months after the request is submitted, in a lot of phase 7 situations, the private borrower gets a discharge that launches borrower from individual responsibility for sure dischargeable financial debts. Hence, phase 7 Bankruptcy is made to provide the borrower a brand-new beginning as well as an opportunity to deal with audio economic administration.

The post A Guide To Chapter 7 Bankruptcy appeared first on ROI Credit Builders.

Cover Is Hiring an Engineering Manager for Our Toronto Office

Article URL: https://cover.applytojob.com/apply/L3Qtgf46b0/Engineering-Manager-Lead

Comments URL: https://news.ycombinator.com/item?id=21698037

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