Financially Simple Helps Entrepreneurs Choose Between SEP IRA and Solo 401(k)

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KNOXVILLE, Tenn. — About half of all families in the United States today have “no retirement savings at all,” according to a 2016 report from the Economic Policy Institute. With the Small Business Administration estimating that around 9 million American small-business owners fall into this group, confusion as to the best way of remedying this problem is common. A straightforward new video and accompanying guide at will provide plenty of answers, clarifying the difference between SEP IRAs and Solo 401(k) plans in ways that small-business owners can put to use in their own lives.

As a top online resource for everyone from entrepreneurs and retired people to those just getting started, Financially Simple publishes a wide range of useful, practical advice. The site’s brand-new guide to small-business retirement account options will be of great interest to readers ranging from longtime business owners to newly minted entrepreneurs. A successful business owner himself, the founder of Financially Simple understands what kinds of advice other entrepreneurs need and benefit from the most. As with all the features published at financiallysimple.com, the new video and guide are completely free to all visitors, with many more informative features to follow on a regular schedule.

“Saving for retirement is important for all working Americans, but especially so for small-business owners,” said Financially Simple founder Justin Goodbread. “Both SEP IRAs and Solo 401(k) plans can make excellent sense, but many small-business owners wonder which to choose. Like all the other features at our site, our new video guide to the matter is designed to simplify this topic in ways that will answer all the most common questions. We’ve got plenty of other new features in the pipeline, too, so we invite everyone to check back regularly.”

While the defined-benefit pensions of the past have become rare in the private sector, most employers of a certain size do offer retirement savings opportunities to their workers. According to the American Benefits Council, for example, more than 73 million workers in the United States actively participate in defined-contribution 401(k) plans, with nearly $4 trillion in assets residing in them collectively as of 2013.

Small-business owners, on the other hand, need to see to their own retirement savings arrangements. For those without employees, the decision often comes down to choosing between a form of the 401(k) that accommodates an individual and spouse, and the Simplified Employee Pension Individual Retirement Arrangement, or SEP IRA.

Available in both video and written forms, the new Financially Simple guide to the matter applies the site’s unique, widely admired explanatory approach to this important and fairly complex topic. In the space of a few minutes, readers will learn about the most important differences between these two options and how best to choose from them. From entrepreneurship and retirement planning to balancing a household budget, Financially Simple regularly simplifies complex financial matters for readers, as with the site’s brand-new guide to small-business retirement plan options.

About Financially Simple:
Simplifying difficult financial subjects in ways that anyone can understand, Financially Simple helps everyone from entrepreneurs and retirees to young professionals and growing families make better, more informed financial decisions.

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What Are the Biological Benefits if You Are Frequent Customer in Massage Spas Frequent massage have a lot of benefits to us which we can be certain as science says that there are profound effects to our bodies. Normal individuals are capable of decreasing production of hormones responsible for stress according to most experts. Hormones like arginine, vasopressin, cortisol are decreased in terms of its production by our bodies. The decrease of all these hormones are decreased in saliva which is the basis for most of these studies. When you have repeated massage it will have an additive effect to your body’s reactions. Those who received one massage per week for 5 weeks and those who received 5 massages per week for 5 weeks looked different after 5 weeks according to one study. Even after 5 weeks of 1 or 5 massages per week have profound effects on the immune system which is applicable for long-term continuous massages which just getting more interesting. Those who received 2 massages per week lost the additive effect on their immune system but gained oxytocin hormone according to one study. We know that oxytocin is responsible for giving you a good feeling, affiliation, and bonding. The vasopressin and arginine hormones which are responsible for a person to be more aggressive are indirectly and effectively reduced. It is an additive effect for all the studies made for repeated massages which clearly why we call it a stress reliever. You will surely get these benefits at Stress relief massage in Folsom which provides the best service. Women with breast cancer developed improved immune function and lung capacity over time and also received lower in blood pressure and decrease in heart rate. Those babies who are prematurely born will gain weight and those who have asthma have reduced their symptoms and frequency of attacks. If you are always sick this sure will decrease your stress hormones as well as inflammations which mean allergies are going to be controlled. Even for babies, their colic and fussiness will be gone due to the soothing effect of frequent massage. The neuromuscular massage which is considered true therapy because it is medically approved and tested. What happens is all muscle tensions are targeted with the purpose of releasing that muscle tension indirectly minimizing inflammation and reducing infection as a whole. You have to remember that there are different types of massage you can do more frequently. Neuromuscular massage is very helpful if you want to decrease stress and reduce inflammation. For those who want to receive good immune system after 2 weeks or more Swedish massage will be good for you. It is recommended to start assimilating a habit of getting a massage once a week and you will see a change after 2-3 weeks. You will feel happier and less stress.
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It is necessary for you to develop a habit of receiving frequent massages.The 10 Laws of Massages And How Learn More

What Research About Instruments Can Teach You

The Best Piano Lessons for Beginners There are a lot of people out there who want to start learning music but they have no clue what instrument they should pick – well, learning the piano is always the right options. There are actually numbers of people out there who are curious about how hard is it to learn piano. Well, learning piano should be easy, if you find the right teacher. Since you can visually see chord structures on the piano, it is much easier to learn than guitar. The goal of this article is to help individuals who are planning to learn piano. Before you begin learning how to the piano, it is essential that you take the time to contemplate on some few things first. You should know that learning how to play the piano is not totally easy, especially if you are not really passionate about learning and discovering it. You can’t afford to be lazy and you must double your efforts for you to master it. You can make the learning process a lot smoother if you foster good habits – you need to be consisted. Since your brain is still adjusting and trying to learn new stuff, learning piano is harder at first. It is very important that you are patient and that you don’t get easily discouraged, especially when you can’t hit the chord or the keys properly. While you can learn how to play the piano by yourself, it is still advisable that you find a reputable piano teacher. In order for you to make the learning process a lot easier, you need to make sure that you are having fun while learning how to play this great musical instrument. If you want to make things a lot easier, then you should have fun and enjoy every lesson. Avoid hiring piano teachers who are boring, you need to make sure that you hire only those teachers who know how to have awesome fun.
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If you think that the piano instructor is boring and you are not happy with the way he or she teaches you, then it is advisable that you find a new teacher. It is very important that you find a piano teacher who has adequate experience when it comes to teaching piano lessons. Apart from check the piano teacher’s experience, you also need to make sure that he or she has an excellent credentials and good background history. Aside from being a master of playing the piano, the best piano teacher out there should also have the skills and the knowledge on how to teach piano lessons properly to his or her students. And of course, the piano teacher that you should hire should also be a piano lover.Smart Ideas: Options Revisited

Choose a Mountain Town for Your Next Big Meeting

From the great perspectives of pine trees touching the mountains for miles around, to snow heaping upwards past the eye’s scope… there’s nothing very like being in the mountains. Mountain towns have the residential community appeal and quality of being encompassed by the regular marvels of the world.

Finding an area for that huge gathering you’ve been arranging may appear to be simple, in case you’re supposing near and dear. However, picture what could be a gathering to recollect that lifts confidence and gets your participants pumped to be there and prepared for what’s to come.

Regardless of whether huge urban communities and towns have numerous adjacent courtesies to offer, there’s something one of a kind and beguiling about bringing your gathering into a town that is smack-touch amidst nature. Nothing says “how about we kick this gathering off” than some natural air to breath and stunning perspectives (alright, and espresso.)

Here are 5 motivations to pick a mountain town for your next enormous gathering.

1. The view, clearly – Stray far from suburbia or town that gives stuffy rooms encompassed by dividers isolating you and your regular daily existence of streets, structures and roadways. There’s in no way like having a gathering, assembling or investing energy in nature’s miracles.

The advantage of having a gathering in a mountain town is the capacity to see falling slopes or snow-topped trees in the middle of gatherings and as the view of your next arranged occasion. Additional reward: Amazing setting for organization photographs!

2. Isolation, an escape – Being in a swarmed territory like a clamoring city or by a major expressway could be diverting and make more tumult to a gathering. Some would state profitability relies on the capacity to discover isolation to revive, and mountain towns give that tranquil, quiet, and peace that you and your partners may require, particularly if talking about substantial subjects like funds and arranging.

3. Natural air, individuals can think all the more unmistakably – Being out of a city brimming with brown haze and autos and supplanted with trees makes a superior air that isn’t as harmful as different conditions. The capacity to invest energy outside likewise boosts and may make your next gathering additionally energizing to participants.

4. Rates can be less expensive amid non-crest seasons – Peak seasons are as a rule amid the winter ski seasons and sweltering summer months when individuals rush to hit the slants or appreciate the common world amid the mid year. Resorts and inns in a mountain town around these pinnacle seasons, or off-season, might be less expensive for your gathering, which will cut general cost down altogether. You can check whenever during the time to check whether there are regular value contrasts.

Companies Tips for The Average Joe

Services for Web Design for Your Small Business There are a lot of people who are turning to online businesses because it can really work and they can get so much from it. You may know a few business men and business women who are already doing business online and if you ask them why they went online, they will probably tell you that it is more beneficial to have a business online. If you have your business online, you can really be sure that you will get a lot of customers because there are so many people looking for businesses and services on the internet. We are now going to talk about some services that can really help you when you are planning to start a business on the internet so you should read carefully if you really want to know what to do and how to do it. The service that any business whether small or big should really hire is a web design service because it is really important to have a good web design for your online business. If you hire the help of a professional web designer, they can really make your website great so that you will get more customers to your online website and this can mean more traffic and more sales. The problem with so many people is that they do not really know how to do their web designing so if you do not know how to do this, you can really just hire a professional web designer to do it for you because they really know how. There are actually a lot of web designers that you can hire because web designing is really popular these days. This is exactly why there are so many business men and business women who are hiring the help of web designers because they can really help them in so many ways that you do not know of so you should really hire a web designer if you are really looking to start an online business today and you will not regret it. If you ever need help with designing your website, you should really get the help of a good web designer because they can really do great things for you. You may be new to the whole online business thing and if you are not sure what you should do, you can just hire the help of a web designer. These web designers can really tell you what the best thing to do is and what you should not do. Have a great day!What No One Knows About Services

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Simple Tips In Interior Designing

Starting the field in interior may seem to be very difficult and discouraging. However, this is something that you should not worry about. Also, there are tips and tricks that one can do when he or she is till starting interior design. If you wish to design your interior design, you will only have to learn a few things. You need not to start big or be professional to be able to do it. Learning the tips and in tricks in interior design, you are a step to the great interior you wish for your home. The next thing you know, you’ll be landscaping your garden.

Statement walls are also very easy to do. The great thing about statement wall is that adds drama and creativity in the room.

You just have to choose the wall the you will work and put a statement wall. Statements walls work great in the wall in the loving room and bedroom.

This comes easy when you have a wall that protrudes around your chimney breast. But if you opt emphasize the wall other than the one around the chimney breast, then it is really up to you. Statement wall can be great whichever wall you choose when you do it the right way. With the word stamen in it, statement wall just means that! Make a statement and emphasize that wall. Once you have already decided the wall you are going to work on, it is time for you to decide to how you are going to do it!

If you have 4 white wall in the room, then you can paint one wall with yellow. By painting this, it allows a warm tone in the room. This is an easy way to a statement wall.

You just have to know the purpose of your statement wall. Do you want your room to emphasize your creativity and artsy-ness? Or you want to have it cooler or warmer? By knowing what you want your statement to do, it will be easier for to know what and how to do the statement wall.

the simple and easy way to do the statement wall is the painting. However you can also have the wallpaper as the statement wall. The great thing about wallpapers is is very decorative and a great aesthetic for the room. In order not too over decorate the too, you must put a very decorative wallpaper on one wall.
Stencilling designs that you like onto the wall that you desire is a great way to do a statement to. It can be very relaxing. It will be such a creative idea to add to your room.

Transforming ordinary and everyday things can be really thrifty, and can help you cut down waste. Upcycling can be great in interior design and it is also very simple.