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Tue Nov 29 1:25 am  #1


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Athletics Have Tough Road To Playoffs - RealGM WiretapThe Athletics will play five straight series against playoff-contending teams as the end of the season draws near. Oakland will face a playoff contender in 19 of their final 22 games. The only exception is a three-game set against the Mariners in their penultimate series. In addition nike air max 90 essential valkoinen , more than half of those 22 games will be played on the road. Entering action on Tuesday, the A's held one of the two Wild Card spots.Royals Plan To Use Blanton Out Of Bullpen - RealGM WiretapThe Kansas City Royals have no plans to use Joe Blanton as a starter this season. Blanton, 34, signed a Minor League deal with the reigning American League champions. "The only way he is really going to help us is in the bullpen," Ned Yost said. "We're not going to stretch him out [to be a starter]."Moustakas Gets First Hit In Winning Debut - RealGM Wiretap The Royals defeated the Angels 4-2 on Friday night, which marked the Major League debut of third baseman Mike Moustakas. Moustakas, who went 1-for-3 with a walk, was pleased to get his first hit but was diplomatically team-oriented after the game. "The day would've ended well if I'd have gone 0-for-5 and we got the 'W,'" Moustakas said. "That's the most important thing that happens in any game. That's why you play the game -- to win." 锘? Q: I own a small decorating business and I?ll be the first to admit that I don?t know anything about taxes or retirement plans. I?d like to set up a 401(k) or an IRA or some other kind of retirement plan for me and my three employees. What are the various retirement plan options available for a small business owner and in your opinion, which would work best for me? -- Wanda S. A: Wanda, I appreciate your confidence in my humble opinion, but asking me for financial advice is like asking Donald Trump for a recommendation on hair care products. I can tell you what works best for me and my business, but you?ll need to do your homework and seek professional advice to figure out what would work best for you. As a side note, I hear that Donald Trump is coming out with his own line of hair care product soon to be called ?Big Head.? The formula is 1% mousse nike air max 90 essential suomi , 1% liquid nails, and 98% hot air. It should be a big seller among the high brow, comb-over crowd. Here?s my best advice on retirement plans: find yourself a financial advisor (or financial planner) who is has experience working with small businesses and have him or her explain the options available and make a recommendation as to the type of plan best suited for you and your business. When I say ?financial advisor? I?m not talking about your know-it-all brother-in-law or your accountant. I?m talking about a broker or financial planner (or other licensed professional) who has a proven track record of making his clients money and is an expert on IRAs, 401(k)s, mutual funds, etc. The best way to find a good financial advisor is to ask for referrals from your most successful friends and associates. Find the richest, stingiest man in town and ask who his advisor is. Meet with several advisors, explain your situation, and ask for their recommendations. You should also make sure the advisor is a good fit for your personality and your business. If all goes well you will be doing business with this person for many years to come, so make sure the relationship feels comfortable to you and that you are confident in the advisor?s ability to manage your money. Let me give you a quick overview of a few of the retirement plans available to small businesses so you at least have an idea of what?s out there before you start your search for a good financial advisor. As a small business you basically have three types of retirement plans that you can take advantage of: the Self-Employed 401(k); the Simplified Employee Pension Plan or SEP IRA, and the Savings Incentive Match Plan for Employees or SIMPLE IRA. Each allows you to make pre-tax contributions to the plan, which lets you save for retirement and lessen your taxable income by the amount of the contribution. Your investments also grow tax-deferred until withdrawal. A Self-Employed 401(k) is an option for self-employed individuals or business owners with no employees other than a spouse. The business can be a sole proprietorship, a partnership, or a corporation nike air max 90 valkoinen , including S corps. You can make salary deferrals to this type of plan of up to $14,000 for 2005. Next is the Simplified Employee Pension Plan or SEP IRA. A SEP is an option if you earn a self-employed income from a full or part time business, even if you are covered by a retirement plan at your fulltime job. A SEP allows you to contribute up to 25% of earned income, up to $41,000 for 2004 and $42,000 for 2005. My preferred type of retirement plan is the Savings Incentive Match Plan for Employees or SIMPLE IRA. The SIMPLE IRA was created to make it easier for small businesses with 100 or fewer employees to offer a tax-advantaged, company sponsored retirement plan. With a SIMPLE IRA you and your eligible employees may contribute up to 3% of earned income (with a maximum contribution of $10,000) on a pre-tax basis to individual SIMPLE IRAs. You must deduct Social Security and Medicaid from your gross income, but you can then make your SIMPLE IRA contribution before other taxes are levied, effectively lowering your taxable income. As the employer you must make ?matching? or ?non-elective? contributions into your employees? SIMPLE IRA accounts. Matching contributions means that the business matches the elective deferral contributions made by employees. For example, if the employee opts to contribute 3% of his salary to the plan, the employer must match the 3% contribution. At first you might cringe at matching your employees? contributions, but as the business owner and an employee yourself this can be great news. As an employee of your own.

Fri Dec 2 3:33 pm  #2


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