After 30 years, it was time for a solar refresh.

El líder del PP está convencido de que las explicaciones que dará Mazón el jueves en las Cortes "reconfortarán parcialmente" a los ciudadanos Leer

After a barrier breaking career and multiple Olympic appearances, Vanessa James said she will “hang up my competitive figure skates.” The Skate Canada website said, “Pair world bronze medalists Vanessa James, 34, Scarborough, Ont., and Eric Radford, 37, Balmertown, Ont., have decided to retire from competitive skating. James and Radford announced their partnership in April 2021. “The […]

Warwickshire release wicketkeeper Michael Burgess to allow him to pursue a career outside the game, and former fast bowler Liam Norwell also retires.

The difference between what the answer should be-and what it will be-tells you almost everything you need to know about today's Democratic Party.

Gable Steveson, who won the coveted Hodge Trophy an unprecedented two times, is not quite ready to bring his wrestling career to a close.

They allegedly promised the victim a windfall through online trading

A Canadian couple spends two of their retirement years with OM in Italy, learning that it’s never too late to change the world around them.

Eagles Super Bowl champion Vinny Curry will retire as an Eagle on Thursday and serve as an honorary captain.

LeGrand S. Redfield, Jr., President of Asset Management Group, Inc, in Stamford, Connecticut has earned the designation of Retirement Income Certified Professional (RICP®) from The American College. Unlike a general financial planning program like the CFP® or ChFC®, the RICP® delves much more deeply into the specific area of retirement income planning. It also trains advisers to plan for potential issues that can have a serious negative impact on a person's retirement plans.

Why did Willie Sutton rob banks? "Because that's where the money is."

Why does the government want to tax your IRA and ROTH retirement savings? Because that's where the money is.

When the income tax first went into effect in 1915, the top rate was a mere 7% and fell only on those making $500,000 a year or more -- that's $13.5 million in today's dollars. The vast majority of Americans paid the lowest 1% rate.

Today, the federal income tax ranges from 10%-37% and that's on top of all the FICA withholding. Today's top rate -- more than five times higher than it was in 1915 -- falls on those making about $500,000.

Which means top rate-payers are paying 5.5 more income tax on about one-thirtieth of the income.

The lowest rate-payers are paying 10 times more on about the same fraction -- and that still doesn't count FICA deductions, which hit the poorest the hardest.

The income tax was sold by early 20th Century progressives as a way to sock it to the rich, but progressives made sure it become a way to sock it to everybody.

You can bet your bottom dollar -- if Congress doesn't confiscate that, too -- that today's "Billionaire Income Tax" is tomorrow's "Tax Your Middle Class Retirement Accounts Before You Even Retire."

Our government is too big, too unaccountable, too incompetent, and entirely dedicated to growing its own power. Anything that can't go on forever, won't.

Small-business owners often are so busy working that they do not take time to plan for their retirements.

But that is clearly a mistake, financial advisers say.

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When it comes to retirement and succession planning, a recent Wells Fargo/Gallup Small Business Index survey suggests that business owners are not necessarily as prepared as they ought to be. Seventy percent of business owners surveyed say they do not have a formal written plan in place outlining what they will do with their business if they decide to retire or can no longer continue working.

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Have you procrastinated about setting up a tax-advantaged retirement plan for your small business? If the answer is yes, you are not alone. Even so, this is not a good situation. You are paying extra income taxes every year that you could easily avoid. However, you still have time to set things right and line yourself up for major tax savings for this year and beyond. This column explains the basics about your tax-smart retirement plan options.

When you cut through all the technical details, you’ll discover that tax-advantaged retirement plans come in two basic varieties:

Defined-contribution plans, which come in several different flavors.
Defined benefit pension plans.

How to choose a retirement plan for your small business

Sixty-nine percent of small business owners have zero to little confidence they will be able to retire comfortably, Paychex found in a survey.

Thirty percent said they were somewhat confident, 21% said they were not at all confident, and 18% fall between somewhat confident and not at all confidentȒadding up to a total of 69%. Only 20% said they were very confident they will have enough money to retire comfortably.

Asked what could help improve their situation, 68% said being able to save more. Other ways they would like to receive financial help were assistance in converting a portfolio balance into monthly income, cited by 10%; guidance on investments and the appropriate savings rate, also cited by 10%; and retirement tools to cover a wide range of expenses, including health care, cited by 8%. Fifteen percent said that nothing would help them feel more confident about retirement.

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The Tax Cuts and Jobs Act (TCJA) was signed into law by President Trump near the end of 2017 and it mostly took effect in 2018. While the TCJA impacts almost every single individual taxpayer to some degree, the changes also significantly impact corporations and small businesses. In some areas, the impact was purposeful and directed. However, in other ways, the TCJA will have both positive and negative secondary effects. One area that could see a secondary or unintended boost due to a new tax deduction (IRC § 199A) for pass through businesses is retirement plans with small business employers.

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For most of us, that means establishing a nest egg in the form of an IRA, 401(k), or both. But a large number of small-business owners have a different sort of backup plan for covering the bills in retirement: their businesses.

An estimated 42% of small-business owners say that their businesses will serve as their personal pensions, so to speak, according to data from New York Life. But that's a dangerous proposition in several regards.

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Small business owners are often so involved with the day-to-day operations of their business, many feel they don’t have the time to look down the road and plan for retirement.

And as a result, some entrepreneurs may never be ready to retire. According to a survey by Manta, one-third of business owners don’t have any retirement plan, and 75% of respondents to a BMO Wealth survey said they had “$100,000 or less” saved for retirement.

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The benefit of working for a large company is gaining access to an employer-sponsored 401(k) – a critical tool that helps millions of workers save for retirement.

But if you are a small-business owner, you should know that you have several tax-advantaged savings plans at your disposal that allow you to sock away substantial funds for your golden years.

Better yet, the annual contribution limits for all of these plans increased in 2019, so now's a better time than ever to start funding one.

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Most working class Americans are employed by companies that either require or offer retirement savings options in the form of a 401(k), 403b), or pension plan. Because these contributions are automatically deducted from the employee’s paycheck, saving for retirement tends to be a rather painless process. Over time, the cumulative effect of regular monthly contributions leads to a nice sized nest egg that can be used in the retirement years.

But for entrepreneurs, the story is a little different. With no steady paycheck or employer-sponsored plans, many of these hardworking individuals forgo retirement contributions.  And though it may not seem like a big deal in the early years, this misstep can prove to be dangerous and irresponsible as entrepreneurs age.

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What is the best retirement plan for a self-employed person? Which is the best retirement plan for a small business owner? More importantly, which is the right retirement plan for you – as a business owner and / or a self-employed individual? Choosing the best retirement plan for you and your personal financial goals will depend on a few factors. Those include how much you can save into a retirement plan, whether or not you have employees and when you are setting up the retirement plan. Is it during the tax year or when filing taxes? To name a few.

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Running a small business or being self-employed can offer flexibility, freedom and control over your earning potential. While the perks are plentiful, there’s one thing thats usually missing when you own a small business: an employer-sponsored retirement plan.

Self-employed people do not have 401(k)s, and small business owners tend not offer them, citing the time and cost to set up and administer them. The good news is there are several other retirement plan options available to small business owners. If you have yet to begin saving for retirement as an entrepreneur, here is how you can change that.

Small Business Retirement Plan Basics

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I caught this brief clip from CBS' "The Early Show" today, touting Tulsa as a great place to retire. YouTube clip in GroupBlog 329.

Tom Kaye, the former president of one of the oldest and and respected names in paintball, Air Gun Designs, officially announced his retirement from the sport of paintball and his ownership of AGD...

New Sekitori

I’m thinking of buying a new car, but I’m confused between the Audi A4 and the Audi Q3 Sportback. The A4 is a bit cheaper, at Rs 46 lakh, but it’s going to be discontinued in 2025. The Q3 Sportback is a bit more expensive – Rs 50 lakh – but it’s newer and might hold its value better. What do you think I should do? I like the A4 a lot.

Purav Patel, Nashik

Autocar India says: Both the Audi A4 and Audi Q3 are good cars, but we would pick the A4 because it’s nicer to drive. In fact, the A4 is the best luxury sedan in its class thanks to a smooth and peppy engine, exceptional ride and a solid build. The Q3 is more practical if you are driving mainly on rough roads, and it has a more comfortable back seat – the A4’s a bit cramped at the rear. We understand the resale value concerns, but we would still pick the A4 over the Q3, and that Rs 4 lakh saving could offset the lower resale value when you eventually sell it.

Also See:

2022 Audi Q3 India video review

2022 Audi Q3 India review: Back with a bang

2021 Audi A4 facelift video review

2021 Audi A4 facelift review, test drive

As many know, Kevin Allen recently announced his retirement from his interview program, Ancient Faith Today. After listening to an interview Ancient Faith Radio did with Kevin announcing his departure, Fr. Tom shares his own thoughts on the state of American Orthodoxy.

John Maddex visits the home of Fr. Peter and Kh. Marilyn Gillquist to talk about the recent announcement by His Eminence Metropolitan Philip of Fr. Peter's retirement as Chairman of the Department of Missions and Evangelism for the Antiochian Archdiocese. Joining them is their son, Fr. Peter Jon Gillquist.

Novak Djokovic says he is shocked and overwhelmed by the news that his "greatest rival" Rafael Nadal will retire at the end of the season.

Former Wales lock Jake Ball announces he will retire from professional rugby at the end of the season.

Former Commonwealth Games squash silver medallist Tania Bailey announces her retirement from the sport.

1. Sauvetage de Casino: les syndicats retirent leur plainte en appel après avoir conclu un accord avec la direction  Le Figaro
2. Plan de sauvetage de Casino : accord avec la direction, les représentants du personnel retirent leur plainte en appel  France 3 Régions
3. Sauvetage de Casino : un accord social enfin trouvé pour clore le dossier  Capital.fr
4. Casino: les représentants du personnel retirent leur appel formulé à l'encontre du plan de sauvegarde  Investir
5. Plan de sauvegarde de Casino : la direction trouve un accord avec le personnel  La Tribune.fr

Operation Blessing helps retired police officer with clean-up from downed trees and debris after Hurricane Helene.

What do you picture when you hear the word retirement?  You might have a vague plan of traveling around the country visiting grandkids. Or maybe you long for the day when you’ve saved up enough money to quit a job you hate. Some of you might feel anxious because you’re not prepared. Now, hear me out: It’s never too late to start saving for retirement. And if you feel behind, don’t panic! Getting ready for retirement will take planning and sacrifice, but you can do it.   To get you started, here...

Dear Dave, I have $11,000 in a mutual fund account that is not a retirement account. My wife has a retirement account through her job as a teacher, but I do not have one at all. We’re in Baby Step 2, so should we cash out the $11,000 in the investment account to help pay off debt? Chris Dear Chris, If this money is designated as non-retirement funds, I’d say go ahead and cash it out. Use the money to pay down debt, and continue to stay focused working the Baby Steps. Get that debt paid off,...

Five critical decisions that can sabotage your exit and retirement.

Is your company ready for your departure?

The entire process of exit planning can be bogged down with the technical jargon of accounting, law, tax codes, estate planning, insurance and financial planning.

Steve Bradley joined the charity as a cadet aged 11 and continued to serve for the next five decades, meeting the woman who would become his wife along the way

Washington – Occupational Safety and Health Review Commission Chairman Thomasina Rogers retired on April 27.

Silver Spring, MD — Of the nearly 225,000 construction worker deaths recorded in 2020, 60% of those workers were at least 65 years old, according to a new report from CPWR – The Center for Construction Research and Training.

Portsmouth, England — Frequent musculoskeletal pain may lead people to retire or leave the workforce early, results of a recent study by British researchers show.

Silver Spring, MD — A recent study of older and retired construction trade workers shows that more than half experience hearing impairment – and the risk increases with age.

Ardent Mills is conducting both an internal and external search, and the board seeks to announce a new CEO in the near future. 

Combined, McEvoy and Jankowski bring more than 50 years of exceptional contributions to Sargento. They will continue to provide strategic counsel by staying on as advisors to the senior leadership team through the end of the year.

Jarrett Foods offers a range of high-quality products, such as whole bird cut-up, custom breast and thigh deboning, breast and tender hand portioning, marination, and re-packing services.

The Carpet and Rug Institute (CRI) announced the retirement of Richard Turner, director of technical services, and the appointment of Darrell Hagan as the new director of technical and programs.