Category: Small Business
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Building a better small business health plan
This 7 1/2 minute, eight slide narrated Powerpoint video presentation introduces the background and steps required to allow a small business to break free from the grip of current health care market turmoil and actually improve employee health benefits immediately.
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Trump’s evolving priorities
What do we know so far about the incoming Trump administration’s priorities and evolving 100 day plan? Specifically, how will it affect my small business clients? What issues should advisers focus on with clients? Over the past five weeks we’ve heard these position statements that I am using personally to base my own economic forecasts.…
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2017 Health Reimbursement Arrangement for Small Businesses
The Freedom Benefits standard small business health plans are redesigned for 2017. All plans can be customized. This is the table of contents for the 2017 Health Reimbursement Arrangement small business health plan. Table of Contents ARTICLE I. PURPOSE AND ESTABLISHMENT 1.1 Purpose 1.2 Name 1.3 Plan Not Subject to Cafeteria Plan 1.4 Effective Date…
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2017 Consumer Driven Health Plan for Small Businesses
Employee Benefit Plan with Voluntary Salary Reduction, Premium Payment, Health Flexible Savings Account, Health Savings Account, and Dependent Care Assistance Plan Components The Freedom Benefits standard plans are redesigned for 2017. All plans can be customized. This is the table of contents for the 2017 consumer-driven health plan. Table of Contents ARTICLE I. Introduction 1.1 Establishment of…
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2017 Small Business Health Plans
What do you expect of your small business health plan in 2017? Keep me out of tax trouble Allow more freedom of choice in selecting insurance Include a flexible spending account or HSA Cover dependent care Include independent, personal professional help All of the above If you answered “all of the above” then give me…
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Rules for Tax Season
I know that I can limit stress to a manageable level and provide a better service to my clients this coming tax season if I follow a few simple rules: Filter out price-sensitive people. Don’t engage with any person who asks about price in the first two sentences of their approach. For example, an acceptable approach would be:…
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The immigration issue from my own perspective
The State of New Jersey Department of Community Affairs officially estimates that 70% of the state’s work force in industries like farming, fishing and construction are undocumented. I see these South American origin neighbors every day and I have great respect for them. In the past we had many Mexicans but in recent years most…
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Post card marketing project for marina
I haven’t managed a business postal mailing marketing campaign since the 1980s. The new marketing partner of a marina client wants to test a post card mailing project. In order to convince myself that the project is worthwhile, I had to make some early assumptions. This what I have so far: Assumptions: Product offered: The main product…
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Why get up in the morning?
I was annoyed with an IRS agent a week ago who criticized my client’s business. This young businessman client grossed about $100,000 per year in each of his first two years but declared little net income due to high start-up costs. The agent said “Why does he get up and go to work each day? He would…
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Short review of Windows Fax and Scan
Windows Fax and Scan is a utility program built into all modern versions of Windows operating software. I did not use this utility program until recently when I became discouraged by my lack of ability to maintain my earlier version of an Abobe Acrobat program in a Windows 10 operating system without switching to a…