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Retirement Planning for Small Business 3 options

Wondering if your business is too small for a group retirement plan?

One of the keys to attracting and retaining top employees is to offer a high-quality retirement plan. A group savings plan conveniently helps employees save money for the future while reducing and deferring taxes today. Plus, the investment you make in a group retirement plan is an investment you make in your organization, your employees and your reputation. Everyone’s a winner.

Three options stand-out depending on what you want to accomplish with your plan and how much flexibility you need. These are: 401(k) plans, SEP IRAs and SIMPLE IRAs.

The 401(k) Offers the Most Flexibility and High Contribution Limits The traditional 401(k) is probably the most widely known retirement product on the market. It’s the fully loaded, high performance SUV of retirement plans. It’s generally defined as one that enables a business owner and employees to make consistent, tax-deferred contributions during the length of their careers.

SEP IRAs are Pretty Easy to Start and 100% Funded by the Employer Simplified Employee Pensions, more commonly referred to as SEPs, are also a popular retirement plan choice as they offer a contribution limit that’s similar to a 401(k). It doesn’t have all the bells and whistles of a 401(k) plan, but it’s got a good engine under the hood. One of the most important things to understand about SEPs is that 100 percent of the contributions made are by the employer (no employee contributions allowed) and these dollars are immediately vested for the employee.

The SIMPLE IRA is a Solid, Affordable Third Option

The SIMPLE IRA’s name is a bit misleading (it actually stands for Savings Incentive Match Plan for Employees). While both employer and employee can contribute to the plan, the employer must match and matching is vested immediately.

If you do decide that you want to offer a retirement plan, you are definitely going to need some professional advice and guidance. Pension rules are complex, and the tax aspects of retirement plans can also be confusing.

As a financial planning and wealth management professional firm, Mintco Financial has been helping its clients effectively plan for comfortable retirements.

Michael Minter, as a managing partner of Mintco Financial, is a trusted investment management professional who carries more than 16 years of experience in this challenging career field.

Throughout his professional history, Michael Minter has gained strong insight into what skills and knowledge is necessary to perform investment management, wealth building services, small business development and retirement plans.

Michael MInter is also author of the book I-Plan, a guide for your financial security.

Call Michael Minter at 813-964-7100 at Mintco Financial.

Retirement Planning for Small Business

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The Urgency in Deploying Network Security Appliance for Small Business Networks

Information is business assets, like other valuable business assets, that must be protected against any threats. In medium to enterprise business networks, the management of the information security is a must. In small business networks, generally the organizations lack of competent security experts that should manage the information security. Therefore the choice of the deployment of small business network security appliance is a must for small organizations.

In large enterprise networks, they have many layers of security protections including the endpoint security, the management of information security and policies which must be enforced to all business unit groups. Unlike large scale business or enterprise networks, in small organizations – generally they do not develop the management of information security in place.

This is generally due to lack of IT security expertise which does not compare to the assets that must be rotected. Any layers of security that should be deployed, depends on how critical your information assets is. Therefore, they mainly focus in securing the endpoint security.

The entry point of the private network generally where all the internet threats are coming from, the intruders or the hackers as well as the malware will start to attack the vulnerabilities they found. Therefore, small business network security should concentrate in protecting the entry point by any types of secured firewall appliances. There are many security appliances available in the marketplace you can consider to use for your organization.

The following are some of the small business network security appliances you can consider to use for your small organizations. DSD-150 is designed for home or SOHO networks that use broadband internet connection.

DSD-150 Security appliance

D-Link DSD-150 internet security adapter is an all-in-one small business network security which is designed for home and small business networks. With this single device connected in the entry point of your broadband internet connection, you have a complete protection including network protection, firewall protection, virus protection, spyware protection, identity protection, pop-up blocker, SPAM blocker, and parental control – all in a palm-sized box.

DSD-150 is suitable for home and SOHO as small business network security which has 4 computers or more. installation and configuration is easy, DSD-150 has 2 Ethernet ports, WAN port must be connected to the modem (RJ-45 LAN port), and the LAN port must be connected to the wireless router.

CheckPoint Safe Office 500

CheckPoint Safe Office 500 is a small business network security a total internet security appliance for small to medium sized business networks. If your organization is lack of security personnel, dont worry trust the network security to this CheckPoint Safe Office 500 that can protect a network of up to 100 users from any types of network threats.

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Unsecured Small Business Loans Easy Financing Without Collateral!

Statistics prove that the demand for unsecured small business loans have been rapidly increasing over the past few years. The idea of an unsecured loan creates new financial horizons for individuals that may not have collateral. This is also of special interest to new business owners that are interested in entering a new business venture. Potential business owners are always interested in a business loan to provide working capital for their new endeavor.

The paradox when applying for most unsecured small business loan programs is that a new business owner does not yet have any collateral. This can quickly shatter a business dream. The only other consideration such an individual can have is to use his or her personal assets to secure a loan. But new business ventures have a risk associated with them, once that many people are not willing to transfer to their hard earned assets.

Collateral is often the biggest obstacle to the prospective business owner. Not only does a new business not yet have any commercial collateral to provide; but it is asking a lot for an entrepreneur to put his hard earned personal assets at risk in order to start a new business venture. Yet, without collateral, getting a business financing can sometimes seem impossible.

Small entrepreneurs, who do not have collateral to offer, find unsecured small business loans as an alternative, which help them expand their business to new horizons. They are only required to make regular repayments to the creditor without any apprehension of their business assets being repossessed by the lender in case of defaults. At the same time, small businessmen who opt for unsecured small business loans should be prepared to pay a little higher interest as compared to other credit options. However, interest rates may vary depending upon the credit history of the businessmen.

No collateral unsecured small business loan products are now available through select lenders, although they can still be relatively difficult to find among traditional banks and lenders. The revolutionizing force is coming from a plethora of web based lenders that are offering innovative new financial solutions, including no collateral loans. A variety of unsecured loan products for business and personal needs can be found via web based financial companies.

Applying for unsecured small business loans is easy, all the business owner need to do is just go on line and submit their loan details. Then the lenders will refer back to you with the loan decision in a few days.

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Small Business Bank – How Specialized Banking Works for You

If you’re opening a small business, you need a small business bank, pure and simple. Using your regular bank won’t net you the benefits that a specialized banking account can come with. No matter who you choose as a host for your banking needs, you always need to open a new account for a business. Never use your personal bank account as this can make it next to impossible to discern your business income and expenses from more personal sources. Always choose a new account, and look for a specialized bank whenever possible. The right bank will have a deep understanding of your business needs.

One of the most important features of a small business bank is an assortment of affordable banking solutions. Money is usually tight when you’re starting out. You don’t want to have a high minimum amount on your account that you can’t possibly sustain. If you need to make a large withdrawal for business purposes, you should know that you can do so without jeopardizing your bank account. It’s also important that you’re able to make deposits and withdrawals without a lot of fees. The right business bank will work with you so that you can maximize your profits early on.

Small businesses today are far different than what they were in the past. A mom and pop shop used to be a brick and mortar store with an easily-defined address and actual location. Today, many businesses are run online. You could be running your business from locations all over the country, or all over the globe. You can’t always work with the bank down the street. You need a small business bank that will go with you everywhere you happen to be. Online banking, mobile banking, and more are essential for a business banking account. You don’t want to be tied down to one location, and with the right account you won’t be.

When you’re getting ready to open a new banking account for your business, it’s important to take the time to do your research. Look into a variety of banking opportunities to find the small business bank that’s right for you. When you look at other offers, you’re sure to notice where the best deal really lies. It’s important to understand what’s out there so you don’t get sucked into the first well-worded advertisement you see. Compare your options and look for a small business banking account that provides all the services, benefits, and convenience you need to make your company a success.

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Easily Build a Small Business Website with WordPress

WordPress is one of the most essential and highly flexible content management system. It serves as one of the founder for a blog or for fully fledged small business website especially for the online marketing or ecommerce. Now it has become easy to add new pages and post to your blog with WordPress built site. It does not require any HTML, CSS or any other mind numbing acronyms.

It’s quite easy to customize the look of your website in order to make it unique. Hundreds of Plugins can be added in order to add new capabilities thereafter your site will become search-friendly. By adding All in One SEO Pack you can easily optimize each and every page/post in order to boost website in search engine ranking. So in order to build a site like this for small business website you will have to download WordPress from WordPress.org. Here the software is free this is due to its open source feature. Adding to its better features you can also avail themes and plugins in free. Here the only thing you would have to do is to pay for the web hosting that would be as low as $6 per month. Or on the other hand you can also host WordPress site on your own server.

Thereafter you will need web hosting service that supports PHP version 5.2.4 or greater along with MySQL version 5.0 or greater. In this situation Apache or Nginx is most recommended. It is most robust and full of features for running the WordPress inorder to create free wordpress site. After this work will be done without any problem. In the directory Web hosts is listed here you would have to select Bluehost, in this the service is featured in a very prominent manner, it provides unlimited disk storage, monthly data transfer and email address.

Bluehost hosting account has become quite easy with Bluehost installing WordPress. One would only have to install it by using Bluehost’s Web-based control panel and then follow the steps 2 through 6 to create wordpress site free.

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Small Business Owners Business Best Practices Ideas

Small businesses are often beaten out by larger competitors because the bigger business has better practices than the small ones do. The good news is that there are many of the business best practices that are used by big companies that can be translated for small businesses.

These business best practices are some of the best kept secrets and will in the long run make a business more successful. Here are a few ways you can use these business practices to fit your small business.

One: Borrowing ideas from other companies is one business practice you can use in your small business. This is known as best practice benchmarking and it can lead to vast improvements in your business structure if it is done the right way.

Most small businesses have a tighter budget than the big businesses do so the business practices that you learn can save money and can be even more beneficial to you than it would be for the big business. When you emulate another business and how they cut costs, you will be able to do the same thing they have done in a much shorter time period.

Two: You have to have a clear understanding of business methods if you are going to borrow their business practices. You need to do some heavy research and ask questions. This will help you figure out how others were able to get the job done to get them to their goals.

This is imperative if you are going to have success using these practices with your small business. One helpful way to find out the information you need is to send surveys to businesses that are successful in the business field you are looking at.

Three: Once you have studied the business best practices and you know how that business uses them, you will need to translate them to fit your small business. Before they will work for your business t want business practice you can use in your small business is borrowing ideas from other companies here may be some crucial modifications that need to be made.

Four: One business practice that is imperative to the success of any business of any size is to have good communication in your business. This means that you need to communicate on a regular basis with your employees.

You have to do this to make sure that everyone is on the same page business wise. Otherwise, you may find problems cropping up that you will have to deal with.

Emulating business best practices is fine but you want to make sure that you don’t steal their practices outright. Always do your research and use the business practices that you can modify to fit your small business. Don’t do anything to get your business in trouble in the future.

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Why seek employment law advice for your small business

While it is perfectly normal for a business owner to want to focus on the most essential processes that contribute to the success and growth of its small business or startup, paying attention to the legal aspects of running a business is also very important. Statutory compliance, staff employment, terms of service and supplier contracts are the areas where professional legal advice services can help secure your business and save money in the long term.

According to a recent report published by the UK Legal Services Board, called In Need of Advice? and based on a YouGov survey of over 9000 British small businesses, 38% of surveyed small businesses experienced one or more legal problems in the past year, out of which employment law issues were second most common situations business owners had to face, right after issues concerning trading. While 45% of surveyed small business owners considered that legal problems have a tangible impact on their business operations and growth, in the majority of cases they dealt with problems entirely on their own (52%), with only 16% of legal problems being solved through professional legal services.

Prepare your small business for future employment law situations

As businesses grow, its almost inevitable that small business owners will have to deal with the occasional difficult employment scenario, the most common issues revolving around employee gross misconduct, unfair dismissal and redundancy. These employment issues can have a negative impact on the overall performance of the business and can quickly escalate and generate loss if the correct legal steps are not followed. This is why seeking employment law advice from the outset helps a small business be prepared to handle any employment situation correctly .

Employment law advice directly from the experts

It is good business practice to seek employment legal advice not only when employee grievances arise or legal action is required, but from the very beginning of your business setup.

Other than offering employment law advice and support in cases of gross misconduct, redundancy and dismissals, an employment law solicitor can play a preventive role, by helping small business owners set up the correct employment contracts, prepare employee handbooks and other essential employment procedures and keep the business up to date on employment legislation.

Affordable employment legal advice

There are many ways in which small businesses that cannot afford a dedicated HR and employment service can still benefit from expert employment legal advice. While engaging a high street employment firm of solicitors on matters requiring legal action in court can prove to be an expensive exercise, small business owners can seek employment law advice with local professional associations and groups, which offer a series of online legal advice resources that any small business can easily access. Another route to take is to engage independent accounting and tax consultants that often include employment solicitors and offer employment law advice and guidance on a retainer arrangement, which is usually the most cost-effective solution for small businesses.

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Mobile Marketing and Advertising for Small Business

The mobile marketing and advertising news-wires are abuzz and more and more companies are jumping into the game on a daily basis. Powerhouses like Google and Apple are building their arsenal for the mobile advertising phenomenon that is all the talk right now.

Companies large and small are jockeying for position within their target markets and local niches in an effort to get a first mover advantage in the inevitable transformation to the Mobile computing tsunami that is already taking shape.

What this means to the Small Business owner and in-house marketers is that the mobile marketplace has gained momentum. A solid mobile strategy can provide a huge advantage and be your secret weapon for success among a targeted niche audience or in a localized small to medium size metropolitan area.

You see, we understand that you don’t have the time to keep you ear to the ground on all of this Mobile mayhem, because you are busy with your two hands on the wheel with your companies. What we also know is that you rely on other small businesses to provide you with the knowledge and the tools to make sure that you are keeping you marketing and advertising efforts relevant and effective. In the ever evolving multimedia e-marketplace, you need solutions and you either need them to be service based and low cost, or you need them to be extremely easy to understand and integrate on a do it yourself basis.

After all, one of the coolest things about being a small business owner is the adventure of wearing a variety of hats and learning the latest and greatest techniques to stay ahead of the competition. Today, Mobile Marketing might be one of the most effective and efficient means to push your business out ahead of the pack. Whether you are a retail shop, professional service, restaurant, hotel, craftsman or independent artist, you can engage your customers like never before.

The tools, knowledge and abilities to put this into motion for your specific marketplace are right at your fingertips. Although this might seem like a complicated technological maze, you’ll be pleased to find that many other small companies within the Mobile Marketing industry have brought forth some interesting and easy to understand guidelines and tools that you can utilize today in efforts to launching your company into the Mobile arena.

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New Small Business Directory Release 2013-2014 Directory of Housing Authority Procurement Opportun

New Book Release: 2013-2014 Directory of Housing Authority Bidding / Procurement Opportunities and Vendor Applications, Volume 1, Edition 1

Use this Annual Directory to Apply for Often Untapped Housing Authority Small Business Contracts and Procurement Opportunities

Untapped Small Business Contracts

Housing authorities are a fertile source of contracts for smaller enterprises. Larger city and state contracting opportunities are often more visible and accessible by business entities; but there are a plethora of contracting opportunities with local housing authorities that often go untapped by small businesses.

Easy-to-Use Resource

This directory is an easy-to-use, one-of-a-kind, resource tool for small business owners seeking to grow their companies by doing business with housing authorities across the United States.

Receive Bid Solicitations as Soon as they Become Available

By using the Housing Authority Directory, small business owners can click and apply to receive bid solicitations and procurement opportunities in their regions as soon as they become available by housing authorities. They can also seamlessly click and complete vendor packages online without having to do the research to find and sort out contracting opportunities.

What’s Included in Housing Authority Directory

The 2013-2014 Directory of Housing Authority Bidding / Procurement Opportunities & Vendor Applications, States A-F, Volume 1, Edition 1, includes the following:

— Direct links to housing authority procurement applications.
— RFP and Bid Solicitation Requests for several housing authorities, complete with bidding deadlines.
— Housing authority contact information, including street and website addresses.
— Direct links to small business vendor packages in several states.
— Procurement contacts, including point-of-contact names, addresses, telephone numbers, fax lines, and email addresses.

Get started quickly and easily today. See the 2013-2014 Directory of Housing Authority Bidding / Procurement Opportunities and Vendor Applications, Volume 1, Edition 1, at , for an easy-to-use resource for registering your business and finding contracting opportunities in housing authorities.

________________

Cassandra Black is the author of the Directory of Housing Authority Bidding / Procurement Opportunities and Vendor Applications available via Amazon, Barnes and Noble and Stone Cottage Books, the Master List of Property Preservation Companies Directory, 3rd Edition, and other small business publications.

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Computer Support Virginia Services for Small Business

Computer support Virginia services can allow you to fix any kind of hardware or software related problems of your PC. For small businesses, such services are quiet beneficial a sit can allow them to gain cost effective services.

Easy and fast way of carrying business is by means of using computer as it can assist in smooth running of business. For people running small scale business computer support Virginia services are essential as it can assist in resolving technical problems associated with your computer. In order to solve technical problems you need to have good set of skills and for people running small business it is not possible to carry out all activities single handedly. If you want to prevent your PC from sudden breakdown then it is essential to opt for reliable computer support services. Sudden break down might create problem for you as you might loose all your previous data.

Proper diagnosis of problem is essential to come up with suitable solution related to computer repair. Hiring professional services can make it possible for you to analyze problem and accordingly work over it without spending extra bucks on problem which actually do not exist. Small problems related to installation of anti virus software or corrupt software can be solved by you but when it comes to major problem, you would need computer support Virginia services. Opt for the services which say no to guesswork. Guesswork in technical errors might sometime not work in your favor and can further create more problems related to your PC.

While hiring such services for your small business see to it that professional IT expert is available to identify the problem and provide with solution accordingly. Don’t let the employee of your business assume the problem and apply their own mind to solve it. This might sometime work in your favor but can sometime invite more problems. Also it will waste lot of working time and so hiring professional services can help you to save considerable amount of time. Apart from time factor you also have to look after cost factor. Try to resolve problem as soon as possible before it gets too big and invite spending more amount of money.

Computer support Virginia for small business can be very fruitful in terms of services as well as cost. Look for the service provider who is located near to your business location so that you can save time involved in traveling. Look for the IT professional who can find it easy to resolves different problems related to hardware as well as software. Troubleshooting procedure should be aptly carried out so that further you can find your computer easy to maintain.

NTConnections provides fast data networking services, best it consultants online & exceptional business technology solutions. Opt for more comprehensive technology & Computer Support Virginia.