Home : Thread List - Employee Benefits and Retirement Planning

Who Needs To Retire??

LUCKIEST — Sun, 19 Apr 2009 14:04:36 GMT

More people are losing confidence in their ability to retire comfortably.

The economy, inflation and the cost of living are some of the reasons.

How do you feel about retirement or are you going to keep on working??

solo 401k and SEP

Jose263 — Fri, 09 Oct 2009 20:53:40 GMT

Is it possible to contribute to a solo 401k and an SEP. single owner/employee S Corp - already have a 401k - is it possible to open a SEP and fund ?

Where and how do I get my employees benefits?

Focus.com — Mon, 10 Aug 2009 23:18:29 GMT

I operate a relatively small business. Lately, I've been getting asked about employee benefits. I don't want to lose any of my key contributors, but I have no idea how to get benefits for my team. How expensive is paying benefits for my top 3 guys and where is the best place to find useful information?

Retired Start Your Home Based Business

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Is Affordable Health Care Possible?

gypsy639 — Sun, 20 Jul 2008 04:07:45 GMT

Affordable Health Care*
All Americans should have access to affordable health care, including prescription drugs, and these costs should not burden future generations.

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Something has gone wrong in America when millions of people are just one medical emergency away from bankruptcy and financial ruin. How many of us are sure we can get quality health care when we need it for our children, our loved ones, and ourselves? Something needs to change.

Getting the health care we need shouldn't bankrupt us as individuals, businesses, or government. Businesses, individuals, and communities have a shared responsibility. Getting clear up-front explanations of cost, eliminating unnecessary paperwork, and more research on what works best is a start.

Cost is at the root of this problem. Health care is expensive and getting more so every day. The health care system is a maze of paperwork and confusing charges that make it impossible for an ordinary family to understand what they have to pay to get the care they need. The United States spends $1.9 trillion a year on care - some $6,280 for every man, woman and child in the country. Health care expenditures are 16 percent of the U.S. economy, well above what any other industrialized nation spends on health care. And these nations make health care available to all their citizens. Yet, when we compare health outcomes-measurements of health such as infant mortality or life expectancy-the U.S. trails these nations

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Skyrocketing health costs jeopardize financial and physical well being - and dreams

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Trying to balance the cost of good health against checkbooks causes tremendous problems for millions of Americans.

60 percent of small business owners say that the rising costs of health care amount to a "crisis."

23 percent of Americans have problems paying medical bills, and millions go bankrupt every year because of medical costs.

The average cost of health insurance for an American family now exceeds the yearly income of a minimum wage worker.

Many Americans may be tied to jobs they dislike or stopped from opening their own businesses because of the excessive cost of health care coverage or preexisting medical conditions that deter them from changing insurance providers.

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Health care costs put American industry at a disadvantage

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Companies that do the right thing by providing health coverage for their employees face enormous costs. Take General Motors, for example. Health care costs add more than $1,000 to the cost of every vehicle sold. It's cheaper for them to make cars in Canada rather than at home because of these expenses. In fact, more than half of the CEOs of America's largest companies cite rising health care costs as the most significant cost pressure facing their companies. These costs are sapping our nation's competitive strength.

As a result of these high costs, some employers have stopped offering health insurance or require employees to pay more for their health insurance. These rising costs make coverage unaffordable for many people and leave even more with the feeling that they are on the verge of losing their insurance and their peace of mind.

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Affordable prescription drugs

Prescription drugs save lives, reduce pain and suffering, and prevent diseases and illnesses from worsening. Yet too many people cannot afford the medications they need, with prescription medicines accounting for the largest share of out-of-pocket medical expenses.
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The Medicare prescription drug benefit is a good step toward making drugs affordable, at least for those 65 and older. But it can certainly be made better. And with 47 million uninsured Americans, and many millions more with inadequate prescription drug coverage, more needs to be done.

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Imagine an America with affordable, quality health care. That challenge has been met.
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Watch for my next article. It will open a window to a solution!!!!

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BEST BENEFITS

FERRARIF40 — Sun, 14 Oct 2007 17:05:07 GMT

Hello out there.........I live and work in Arizona. I recieved a letter on wednesday 10/10/07 from Bank of America, with an introduction that they had just started a new healthcare system. IT was only $19.95 per month per person and covered just about everything. Well, needless to say I was very interested to sign up and get my few employees coverage.............. well......today is sunday and in our local Arizona paper it stated that this is a scam and do not send them money and avoid the Best Benefits completely. Bank of America has nothing to do with this program.... So, please if you get a form letter and it looks like the real deal from Bank of America.....check into it immediately.

The NEOS HSA

NEOS100 — Thu, 10 Sep 2009 16:47:00 GMT

Take control of your health and healthcare costs with a NEOS Health Savings Account. http://www.neoshsa.com

Using non-salary money to fund retirement plan?

cognitive77 — Wed, 17 Oct 2007 14:02:55 GMT

I own an S-Corp and would like to take some of our company's capital towards a retirement plan. Does anyone know if this is possible? I'd like to leave our meager monthly salary alone if possible.

Dual member LLC with Employees

ajv208 — Thu, 12 Feb 2009 03:48:03 GMT

I am a partner in a dual member LLC and we have some employees. I have set up a 401k plan but am not sure if we as owners are eligible for the 401k plan, or if we have to use a different plan altogether...

Non-Profit Compensation

BLJRECEO — Sun, 19 Jul 2009 22:51:08 GMT

How much should one get paid if they basically single-handedly runs and manages a 501(c)(3)? Is there a ratio of compensation-to-profit or something of the such? Thanks.