Join us at The Annual EDspaces Show this year in Milwaukee Wisconsin on October 23-25, 2019 and immerse yourself in today’s solutions for tomorrow’s challenges in what is the future of educational learning environments. SMARTdesks will be at the EDspaces Show this year in Booth 1403 and you can visit us to learn about how our amazing tech integrated student desks, workstations, and computer tables are helping enhance classrooms for all types of learning across all subject matters. The event brings together some of the best in the educational technology marketplace to explore how technology and space impact learning. Learn from key stakeholders that design, build, equip and manage educational environments and find solutions to your needs for your educational system, classrooms or for higher education. About SMARTdesks: SMARTdesks designs and manufactures active learning computer classroom desks and conference tables, customized for specified technology to suit IT integration requirements. Virtually unlimited designer color selection for 3D Thermo-foil, stained veneers with wood edge molding, and laminates with edges of wood, polyurethane or PVC. Clients create their SmartSpace with us, enabling people to communicate, team, learn and use the latest technology to reach their goals. Made in the USA with a Lifetime Read more…
October 2019
The Benefits of a Qualified Plan, the Enjoyment Factors in Retirement
The main benefit is saving for retirement. Employers who perform economic due diligence on the use of defined benefit plans, defined contribution plans or a combination on both are likely to design the optimal retirement scheme for their company and employees. Often employers use the benefits to recruit top talent and retain skilled employees that are highly valued. Many times those who generate income for the firm are called “rainmakers” and are highly sought after in competitive markets. Even highly organized operational experts that run the day-to-day operations are of equal value to a company. Some organizations use additional compensation perks that are generally discriminatory and categorized as non-qualified plans to lure major players in the market place and retain the bench strength of their existing personnel. Qualified plan benefits can save significant tax dollars every year. In addition, defined contribution plans like 401(k)s allow individuals to defer up to $18,000 of income (2017 limit). And for older contributors ages 50 or more can contribute an extra $6,000 into your 401(k) plan in 2017. The sum of employer contributions and your salary deferral contributions cannot exceed $54,000 in 2017 ($60,000 for individuals over 50 years of age in 2017). Jodie Read more…
Live Life Unlimited With Pure CBD Hemp Oil Products From CBD Unlimited
CBD Unlimited is providing innovative, high end cannabidiol products to our customers and we invite you to live life unlimited with our pure hemp extracted CBD hemp oil and cannabidiol isolate based products. We constantly strive to raise the bar, and our new Premium Blue Line is packed full of high end and high quality cannabidiol for you and your loved ones. Relax, rejuvenate and recover your range of motion with our CBD hemp oil and CBD topicals – we have a massive digital catalog of CBD products, ranging from CBD capsules, CBD isolate, drinks, dog treats, topicals and more! All of the hemp we use is grown right here in the US of A and is tested thoroughly by third party laboratories. In order to ensure the product we deliver to our customers is the absolute purest, the hemp we use is certified 100% pure by the State of Arizona. Become your own best advocate for health, become a CBD Unlimited customer today. Our pure cannabidiol products are scientifically formulated to provide controlled dosing and targeted delivery, ensuring you see all the potential medicinal benefits of of our cannabidiol products where you need them most. About CBD Unlimited, Inc. Read more…
Nutracap USA Founded By John Wesley Houser Helps Individuals And Businesses Start Private Label Supplement Lines
Nutracap Labs is a full service private label supplement formulation manufacturer located in Norcross Georgia. We have over 100k square feet here at our facility and have a wide selection of top quality raw materials to help you get started on your very own supplement business. Whether you want to private label one of our own formulas or have our experts help you start from scratch with your own custom formulas, we are here to help. Create your own supplement business today with Nutracap Labs, call 800-688-5956 for more information. What sets Nutracap Labs apart from the competition is our dedication to exceptional customer service, industry-best lead times, and our extensive collection of raw materials. With low minimum bottle orders for private labeling and the ability for us to design your own custom labels and logos, we are your one-stop-shop from creation to fulfillment of your new supplements. To get started, simply select one of our formulas for your pre, intra or post work out supplement, protein powders, or other nutritional supplements or let us help create your own unique formula. Then, we can work with you to design new logos and labels if you do not already have a Read more…
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How to Make Qualified Retirement Employer Plans Work for You
Defined Benefit Plans are one of the most useful of all retirement plans that can favor the older business owner with large income tax deductions while securing significant retirement and estate benefits. This is a brief outline of the potential benefits of these plans. Actual benefits must be calculated and certified by a qualified actuary. General Plan Design: These plans work best when the business owner(s) are older than the general employee population. A Defined Benefit Plan favors older employees because larger contributions are required in light of the shorter time to retirement. Contributions are mandatory each year based on the plan’s benefit formula, unless that formula is amended prior to the accrual of any benefits during the plan year (i.e. first few months of the plan year) or if the plan is terminated. These plans are best suited for those companies that have consistent profits and have a need for ongoing business tax deductions. Integration of a Defined Benefit Plan with a 401(k) Plan: We will strive to have the benefits of the non-key employees funded in the 401(k) plan, while the Defined Benefit plan will fund the benefits for the owners and older employees. Plan Contributions by the Read more…
The Mortality Revolution Extending Retirement Planning Horizons
When Willard Scott was on TV as America’s weatherman, he’d often insert into the show birthday wishes to those turning age 100 and place their faces on a Smucker’s jar. In 2014 it was estimated that over 72,000 American seniors were age 100 or older, worldwide the number was about 450,000. By 2050 there may be 3,676,000 seniors living on the planet. So even without any significant medical advancement, the numbers of senior centenarians could be dramatically higher. In light of the greatest mortality revolution, should you start planning to live to age 100? You may need to prepare yourself for age 100 if your family tree already contains longevity or if you exercise religiously and are committed to a healthy diet. There also seems to be a gender advantage towards women in life expectancy stats. Preparing for geriatric living starts with guaranteed income you can’t outlive via lifetime annuities with a cost of living rider. Preparing for elder years should include retro-fitting your home for single level living with stairs turned into ramps, converting bathtubs into walk-ins and kitchen shelves that lower to the counter. Most baby boomers are vehemently against living in a nursing home facility, so preparing Read more…
Relax And Recover With Full Spectrum CBD Hemp Capsules And Oils From Palmetto Harmony
Discover all the potential medicinal benefits of cannabidiol through the full spectrum CBD hemp capsules and high end cannabidiol capsules provided by Palmetto Harmony. For years we have dedicated ourselves to developing the purest cannabidiol health options on the market, and we’re proud to stand behind the purity and potency of our products. Palmetto Harmony’s story starts with a mother and her daughter, little Harmony. From a young age Harmony was plagued by severe seizures, and her doctors only solution was to flush her with pharmaceuticals. Her mother knew there had to be another way. After taking CBD daily, Harmony’s doctors found her seizures dropped by more than 90%, and her pharmaceutical intake dropped by a staggering 80%. CBD has many potential medicinal benefits, and we invite you to speak with our staff to see what our full spectrum CBD hemp capsules may be able to do for you. Palmetto Harmony’s pure hemp derived CBD oils and cannabidiol products are produced all right here in the US. Grown in South Carolina and certified pure by third party laboratories, our massive catalog of high quality hemp CBD oil and cannabidiol products has options for every individual and for all occasions. Reach Read more…
Investment Income Will More than Likely Be Inadequate to Fund Retirement
There seems to be a relatively new approach to retirement portfolio management. The basic methodology separates the portfolio into two financial goals: growth and income. For most Americans, the need for growth often times is a strategy to combat inflation to maintain the purchasing power of the retirement dollar. Not many retirees have discretionary monies for growth. But if they do those investments should be viewed as inflation and growth positions and not income plays to pay essential budgetary items that are fixed. So holding large portions of a portfolio hostage to generate 4% income may not be the best positioning of money during retirement. It maybe better to use a portion of your portfolio to purchase guaranteed lifetime annuity for guaranteed domestic expenses. ETFs, mutual funds and individual stock and bonds were not designed to address guaranteed income for paying obligations and longevity during retirement. The market fluctuations can’t generate predictable income to pay monthly bills unless the portfolio is sizable. Most of the senior market has less than a million dollars, so it’s important to consider using lifetime income annuities that are subsidized by longevity credits. Lifetime income annuities with a cost of living adjustment can generate predictable Read more…
Start Your Own Private Label Supplement Business with NutraCap Labs Founded by Wes Houser
Small business owners can launch their very own supplement brand with NutraCap Labs. We are a full service supplement formulation manufacturer that offers private labeling services as well as custom design services for your new labels and logos for your new products. We can produce a wide variety of nutritional supplements, lotions, skin care items and more thanks to our huge inventory of high quality raw materials. We are proud to manufacture for you your own proteins, fat burners, pre workout supplements, recovery supplements as well as weight loss products and health and wellness supplement. Getting started is simple. First, with our assistance, you can choose one of our stock product formulas or have our experts create your own custom formula. Next, our experts will assist you in creating the right label and logos for your brand. If you already have a brand with established logos and labels, you are able to use these if you prefer. Finally, you determine the quantity of product that you would like to start with and once your order is placed, enjoy industry-best lead times with fast turn around delivered right to your address of choice so you can start selling. Discuss your need Read more…
Lifetime Monthly Income Annuities Are Required in Retirement to Pay Lifetime Monthly Bills
There is no other investment or savings funding tool that can guarantee lifetime income except annuities. As an individual the average male lives 86.6 years and the average female lives 88.8 years. The surviving spouse in a marriage averages living to age 93. 87% of the time the surviving spouse is a female. Half of all Americans will live longer than those averages. If the surviving spouse average is age 93 that’s 31 years from age 62, which is the starting age for many guaranteed lifetime annuities. So the average internal rate of return for lifetime annuities is benchmarked at age 62 for 31 years. Those returns could be somewhere around 3% net of all product expense loads. It could be 4% plus if those at age 93 live to age 100. How can annuity manufacturers guarantee lifetime income? The answer is mortality credits. The theory uses the law of large numbers and those who don’t survive the averages are credited to those who did survive the averages. Mortality credits are not correlated to the market returns like those of bonds and their credited interest or stocks and their dividends earnings. They’re based on surviving the odds. If Jeanne Calment Read more…