The hazard of email promoting | Freeadin

17 May, 2012 at 5:47 pm in Sports

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'); $('#infoBacking').css({display:'block'}); $('#infoHolder').show(); $('#info').fadeIn('slow'); } $('.close').click(function(){ $('#infoBacking').hide(); $('#infoHolder').fadeOut('fast'); }); }); /* find browser window size */ function browserWindow () { width = 0 height = 0; if (document.documentElement) { width = document.documentElement.offsetWidth; height = document.documentElement.offsetHeight; } else if (window.innerWidth && window.innerHeight) { width = window.innerWidth; height = window.innerHeight; } return [width, height]; } /* find total page height */ function getScrollXY() { scrOfX = 0; scrOfY = 0; if( typeof( window.pageYOffset ) == 'number' ) { scrOfY = window.pageYOffset; scrOfX = window.pageXOffset; } else if( document.body && ( document.body.scrollLeft || document.body.scrollTop ) ) { scrOfY = document.body.scrollTop; scrOfX = document.body.scrollLeft; } else if( document.documentElement && ( document.documentElement.scrollLeft || document.documentElement.scrollTop ) ) { scrOfY = document.documentElement.scrollTop; scrOfX = document.documentElement.scrollLeft; } totalY = (window.innerHeight != null? window.innerHeight : document.documentElement && document.documentElement.clientHeight ? document.documentElement.clientHeight : document.body != null ? document.body.clientHeight : null); totalX = (window.innerWidth != null? window.innerWidth : document.documentElement && document.documentElement.clientWidth ? document.documentElement.clientWidth : document.body != null ? document.body.clientWidth : null); return [ scrOfX, scrOfY, totalY, totalX ]; } return false; }); Send Inquiry E-mail is a good option to stay in touch with prospects because when men and women occur on the web, one with the initially thing they are doing is test their e-mails. Email checklist is nonetheless one of the most valuable asset on the web. No surprise e mail volumes carry on to grow. EMarketer study discovered that e-mail volume within the US will rise to nearly 2.7 trillion by 2007. Keep your audience e mail with you. Your weblog or every other facilities on the internet ought to have e mail notification built into it. But one with the key issues on-line is undesirable commercial bulk email or else named spam. Whenever you deliver bulk mail, it drains and affects the server hence the authorities are right after people that ship unsolicited industrial bulk mail. And they have built technologies and filters that prevent bulk mails likely into inbox. Following researching or creating merchandise, you deliver email to some checklist only to find out the subscriber under no circumstances saw it due to the fact a spam blocker or filter sends your e-mails right into a spam box or bulk folder?spam will frustrate your targeted traffic. What about if it's solicited? Inside the earlier days with the Online, people willingly subscribed to mailing checklist but now they have stopped. No one desires advertisements. So it can be nearly not possible to obtain a large solicited email list. DoubleClick research located that sixty four.7% of all reputable emails sent are by no means opened. Filters and triggers will block your e-mails and newsletters even when it truly is permission-based. People today can now determine an industrial e mail by just taking a look at it. So when you send 10, 000 bulk emails, only about 3000 will get in, and a hundred are really opened and forty read though the rest are deleted. Many people report email as spam and delete it although they subscribed by themselves. In case you ship a confirmation e-mail so that you may know people that really want you, you will only shrink your list. You'll be shocked that no one will subscribe unless those that desire to analysis your product or market. And when you spam, you can get listed in spamming database. Spamming database is where email suppliers confirm what exactly is and is just not spam. Each time you deliver out an e-mail, it really is has an IP address connected to it. In case your IP will get in to the database: your position may possibly go down, your host could de-host you, your payment processor could banned you, and you could be sending e-mails which are being blocked For those who hyperlink to blacklisted sites, you normally get blacklisted as well. To prevent getting caught in spam filters or getting blocked by ISPs: do not spam; allow your subscribes include your site to their address e-book; some words and phrases cause spam filters like weight, subscribe, promote, obtain etc. The trick will be to include image (like an apostrophe, asterisk or dash) in the center of words. And hope that filter doesn't arbitrarily block you. In case you are promoting one thing within your topic line, spam filter will likely block you. Spam and e-mail overload have basically reduce down email marketing and advertising success by about 60%. Use it only to substitute other site visitors approaches. Down load "Evil ways of making money--what the rich won't tell you" absolutely free at oxcheck and find out ways to introduce survival tactics into your company. Shop for super-cheap Victor Cruz Jersey from official Clay Matthews Jersey Store Outlet immediately with Swift Shipping, Safeguarded Payment & Good Customer Service.

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How you can Give up Smoking ? Boost Your health Beginning At ...

Smoking cigarettes tobacco is usually a follow that began as early as 5000 BC. It was in the late 1920?s that German scientists determined that smoking tobacco had a connection with the occurrence of oral and lung cancer. Therefore, the first at any time anti smoking cigarettes movement was launched in an effort to bid goodbye to smoking. It really is true that quitting smoking cigarettes is just not a simple point to try and do. Much like another addiction, cigarette smoking cigarettes too can utterly destroy a single and to be able to stop it a single requires the psychological stamina and affirmation to remove the habit. It has been estimated that there are all-around 1.45 billion smokers in the planet in 2010 which is able to rise to some 1.9 billion smokers by 2025. But in the recent a long time there?s been a expanding awareness with regard to the hazards that cigarette smoking poses for the system and also a significant amount of the cigarette cigarette smoking inhabitants have taken up techniques to stop smoking cigarettes. In an effort to stop smoking cigarettes you have to insist to you very a number of moments during the day you undoubtedly are a non-smoker and easily not another person who is attempting to stop smoking. It really is essential for yourself to own a clear self picture which is able to assist to instill self-confidence in the self and therefore will permit you to imagine in the private self that it?s doable for yourself to stop smoking cigarettes. If you have made a decision to stop cigarette smoking cigarettes you have to exercise the psychological stamina to carry out. Even when you might be overcome through the wish to smoke just the a single cigarette, you have to remain robust and resist the temptation. Now, for the duration of the first number of times of one?s new routine, your day might seem unfulfilled without the need of smoking cigarettes. But there are generally other substitutes you can consumption orally to bridge in the experience of emptiness. 1 can chew nicotine gums, cinnamon sticks as well as use electronic cigarettes to be able to hand over smoking. Nicotine gums delivers nicotine right on the system and is also a branch from the nicotine substitute therapy (NRT). The chewing gums can be found world-wide, that contains an approximate volume of 2 to 4 mg of nicotine. Also cinnamon sticks use a very similar flavor to that of nicotine, so munching on which can definitely assist. Electronic cigarettes replicate the act of tobacco cigarette cigarette smoking nonetheless it doesn?t make the smoke as an alternative generating a haze when inhaled, abandoning a flavor of nicotine in the mouth from the inhaler. If you are not a health and fitness center human being, now could be time to get started on if you are seriously interested in quitting smoking cigarettes. Everyday exercise, power walking, yoga, getting a steam all the above will help in enjoyable your entire body. Alternatively of endorsing your entire body on the ill effects of smoking cigarettes, why don?t you go out for a stroll and acquire some fresh new air otherwise you could possibly even pamper you by obtaining system massages. You need to feel good about you and want to persuade you that you?re not lacking out on nearly anything. Also remedial prescription drugs at the moment are obtainable through the American Foodstuff and Drug Administration (FDA) which is able to assist you to to stop cigarette smoking cigarettes and sustain the habit. Smoking is usually a important cause of lung cancer, heart assaults, emphysema, which can cause a pre mature demise as research have disclosed that smokers eliminate out no less than ten a long time of their in shape lifestyle. So isn?t it worthwhile to stop cigarette cigarette smoking, once you have the advantage of a lengthy and wholesome lifestyle? You look and feel very good about you therefore you would not need to smoke once again if you are assured of the minty-fresh breath. Only click listed here for more information with regard to the Electronic cigarette

Tags: electronic cigarette

This entry was posted on Thursday, May 17th, 2012 at 6:29 am and is filed under Misc. You can follow any responses to this entry through the RSS 2.0 feed. You can leave a response, or trackback from your own site.

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What Early Learning Can Teach K-12 About Reform. And ...

Education reformers trying to improve K-12 systems could learn lessons from early educators.

An interesting new report suggests that early learning could show K-12 how to improve assessments, one of the bigger challenges in reform, in elementary, middle and high schools.

At a time of considerable urgency and demand for improvements in our nation?s schools, particularly when it comes to evaluating the effectiveness of teachers, there is no need to reinvent the wheel. Instead of looking to the development and implementation of new educational models and methodologies, K-12 educators would do well to learn from the lessons and experience accrued by their counterparts in the early childhood sector, specifically when it comes to teacher performance evaluation. -- ?Implementing Observation Protocols: Lessons for K-12 Education from the Field of Early Childhood.? Center for American Progress. 5/15/2012.

Despite interest in improving teacher evaluations around the country, ?there are too few models of how to do observation well in the K-12 sector. But there is one sector where we have more than two decades of widespread application of classroom observation from which to draw lessons: early childhood education?? the article adds.

The story is based on a new 37-page report by Robert Pianta, dean of the Curry School of Education at the University of Virginia.

What else can K-12 education reformers learn from early learning? Post your thoughts in comments.

Kindergartners Rating Teachers: In a twist on assessments, kindergartners will review teachers in Georgia, The Hechinger Report says.

Under a new pilot program, 5-year-olds will be guided through a survey that includes such statements as ?My teacher knows a lot about what he or she teaches? and ?My teacher gives me help when I need it.? -- ?Student surveys to be used to rate teachers in pilot program ? even in kindergarten classes.? 5/14/12. The Hechinger Report.

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Catholic university in Ohio drops student health insurance, cites ...

A Catholic university in Ohio said Tuesday it is being forced to end a student health insurance program over the Obama administration?s contraception mandate and costs associated with other provisions of the health care overhaul.

Franciscan University in Steubenville, Ohio, said it has so far excluded contraceptive services and products from its health insurance policy for students and will not participate in a plan that ?requires us to violate the consistent teachings of the Catholic Church on the sacredness of human life.?

Full story:?Catholic university in Ohio drops student health insurance, cites Obamacare

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Aroostook County Marketing Mini-Grants: June 1 Application ...

Microenterprises throughout Aroostook County are encouraged to apply for Women, Work, and Community?s marketing mini-grants program. The next deadline for the Aroostook County grants program is June 1, with grants to be awarded by July.

Women, Work, and Community offers four quarterly grant cycles each year in Aroostook County. Two types of mini-grants are available: cash grants of up to $400, and advertising grants with WAGM-TV (50 business card airings, valued at $260). Individual entrepreneurs and small businesses as well as business partnerships may apply. Nonprofit groups are not eligible for the mini-grant program. Successful proposals will focus on marketing, branding, and access to new markets for Aroostook County microenterprises. Men, women, and all entrepreneurs are welcome to apply.

Past grant recipients have used mini-grant funds to build websites; develop logos and branding materials; produce business cards and brochures; purchase banners or business signage; promote their products and services at events; advertise their businesses through television, radio, print, or trade shows; promote their business through direct mail and online advertising; and collaborate with other small businesses to reach new markets.

For more information or to request a mini-grant application for your business marketing project, contact Women, Work, and Community at 764-0050 or email erica.quineaster@maine.edu.

Women, Work, and Community also invites larger businesses and local individuals to serve as sponsors for the marketing mini-grant program. Your tax-deductible contribution of $400 to Women, Work, and Community will underwrite one marketing mini-grant cycle, supporting small business development in Aroostook county. Sponsors are recognized in all marketing and publicity for the mini-grants program. For more information on becoming a sponsor, contact Women, Work, and Community at 764-0050 or email erica.quineaster@maine.edu.

Recent mini-grant recipients include Cindy Johnson of The Cubby, who received a $250 grant to support a television ad campaign to build the customer base of her Presque Isle and Caribou thrift stores; and Farren Theriault of F.L.S. Photography, who received a $150 grant for website development, online advertising, and marketing collateral. Two businesses were awarded television advertising business card packages contributed by WAGM-TV: RoSa?s Treasures Childcare, a new Presque Isle child care center owned by Rona Violette and Sarah MacCormack; and Aroostook Photo, a photography business owned by Jill Doucette of Van Buren.

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Michael Douglas To Front Cancer Awareness Crusade - Starpulse ...

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Michael Douglas has teamed up with the Oral Cancer Foundation to raise awareness of the deadly disease.

The Basic Instinct star spent six months fighting throat cancer in 2010, undergoing chemotherapy and radiotherapy treatment.

He was given the all-clear last year and has now signed up to appear in a public service announcement (PSA) for the Oral Cancer Foundation, a non-profit organization set up to help those struck down with the disease.

In the PSA, which will debut in June, Douglas urges his fellow Americans to undergo annual screenings for oral cancer.

The charity's founder, Brian Hill, says, "The Foundation is indebted to Michael Douglas for partnering with us in the battle against oral cancer. Michael is a highly visible, well known actor, and a consummate professional. Those qualities, when coupled with his personal cancer experience, yield a respected voice to this fight."

"His willingness right from the beginning of his journey, to openly talk about his difficult personal experience with oral cancer on TV and in print, has certainly created awareness in the public of a cancer too few have even heard of."

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Fat Cyclist ? Blog Archive ? Fight Cancer, Win a ?Dream? Trip ...

05.15.2012 | 11:31 am

A Note from Fatty: If you?ve already read (or are not currently in the mood to read) all the hoopla around this contest and are now in the mood to just get on with the entering of said contest already, click here to donate (in multiples of $5, please) to my LiveStrong Challenge page. Thanks!

I am a deliberate and thoughtful person. For example, it is no accident that I live where I live ? I picked this place because it is an unbelievably wonderful spot to go bike riding ? whether you like road or mountain biking.

Furthermore ? and your mind may reel at this ? it is no coincidence that I ride bicycles a lot. I do this because I like riding bicycles. And, believe it or not, I write a blog about biking because I like sharing stories and talking with people about bikes!

Your head is spinning right now, I know. But I?ve got one more for you. I spend quite a bit of time and effort putting together contests to raise money for the fight against cancer because I hate cancer.

Whoah.

And today I?m excited to tell you about a new contest. One that takes all these very subtle and complex nuances of my very deliberate, thoughtful self, and combines them into something so spectacularly awesome that it?s going to take a couple days to describe.

That?s right, this contest has two grand prizes, but I?m only going to tell you about one of them today.

Fight Cancer, Ride in Utah With Fatty

Hey, I?m not interested in starting any fights here, but I think I could make a pretty good case for Utah being the most awesome place in the world for cycling.

And if you win this contest, I?ll do my level best to prove it to you.

We?ll get on the phone and talk. I?ll find out what kind of riding you like to do ? road or mountain biking. We?ll talk about what level of riding you like to do. And how long you like to ride.

And then I?ll start telling you about some ideas for rides you might enjoy.

For example, maybe you?d want to ride The Alpine Loop:

Or maybe you?d want to go mountain biking at what I?ve called the best place in the world, Tibble Fork, which includes the unbelievable Joy Descent:

Or if you?re feeling like doing an epic all-day road ride, we could head out and ride Mt. Nebo.

Or maybe you would rather go see a different part of Utah than my hometown. In that case, we could go to Moab.

Or we could go to Saint George and ride Gooseberry and / or Little Creek:

Or the Guacamole Trail:

Or we could go to Moab. I hear there?s some good biking there.

But Wait, That?s Not All

Once we?ve figured out where and what you want to ride, we?ll figure out a time that will work for both of us (frankly, this will probably be the most difficult part of the whole shebang, but we?re smart people and will find a way, somehow).

Then I?ll fly you down / up here, and take you to SLC Bicycle Company, where you?ll get professionally fitted on the bike you?ll be using for this trip.

Yep, a professional fitting, on a top-flight bike. So the bike you?ll be riding on this trip will be the most awesome-fitting ride you?ve ever had.

Which also means you won?t need to bother bringing a bike with you.

Then we?ll head out riding. I?ll bring The Hammer along if you?re a woman, so it won?t feel like you?re on some weird creepy date with a married guy.

And if you?re a guy, I?ll see if some of the Core Team can come along for the ride, because they?re a lot more interesting than I am in person.

And then, after we ride, we?ll have brats. Unless you?re a vegetarian or something, in which case I?ll make my vegetarian burritos, which are almost as good as brats.

And I?ll put you up in a hotel so you don?t have to sleep on my couch.

And then, the next day, we?ll ride some more.

And afterward, you and I will agree that this has been the single most awesome vacation, ever.

There are a lot of cycling meccas in the world, OK? But Utah is my cycling mecca. And if you win this contest, it will be your mecca too.

Seriously, That?s Not All. In Fact, It?s Not Even Close To All.

I believe I mentioned at the beginning of this post that I was only describing the first half of the prize for this contest today.

Tomorrow, I will describe the second half. And I believe that at that point you will like this contest even more, and the idea of winning it will make you lose sleep at night.

I apologize in advance for your upcoming sleepless nights.

Why This Is Important

I believe very strongly in the good work LiveStrong does. I?ve said ? many times before ? that I received help and inspiration from them, firsthand, when Susan was starting her second big fight with cancer.

And more recently, I got to see up close ? during the LiveStrong Assembly ? some of the great ways LiveStrong puts our fundraising dollars to use.

People who are fighting cancer need help, in a variety of ways. And LiveStrong does an amazing job of providing that help.

So for this contest, I wanted to show that I am not just an observer and facilitator in my support of LiveStrong. I wanted to show that I?m willing to spend my own money and time to help LiveStrong in its mission.

So yeah, this contest is gonna cost me. Airfare, hotel, etc. won?t be cheap. But it?s totally worth it.

And not just because we?re going to get some awesome riding in, either.

How the Contest Works, And to How to Enter

For every $5.00 you donate at my LiveStrong Davis Challenge page, you?ll get a row on my magically deluxe spreadsheet, which I have affectionately and cleverly named FriendsOfFatty.XLS.

The more you donate, the more rows you get

Once the contest ends (on June 22 at midnight, MST), I?ll randomly (using random.org, natch) choose a row on that spreadsheet. Then I?ll contact you, and you?ll start yelling and stuff (which will be totally OK, because I?ll be contacting you by email) and we?ll get this ball rolling.

[A note for my international friends: I only have so much money. If you win the contest, it's your responsibility to get to the U.S., and I'll fly you the rest of the way, OK?]

And what if you?re already a member of Team Fatty and are raising money for your own LiveStrong Challenge? Well, just keep on raising money ? and maybe donate some more into your own account ? because the money you?ve raised as part of Team Fatty counts toward your entry in this contest, too.

Yep, that?s right, you can join Team Fatty and get other people to donate on your challenge page, and you might win this prize. In other words, keep up the good work you?ve already started.

So, please donate. You might just win an awesome trip to ride with . . . me.

Not to mention the second half of the prize, which will make it really spectacular.

More on that tomorrow.

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Facebook raises IPO price as offering nears

Screens outside the Grauman's Chinese Theatre on Hollywood Blvd. advertise for people to "Become a Fan" of the Theatre on Facebook is seen at the Los Angeles premiere of the film "What to Expect When You're Expecting," Monday, May 14, 2012, in Los Angeles. The social network's stock is expected to start trading on the Nasdaq stock exchange later this week after it's initial public offering. (AP Photo/Danny Moloshok)

Screens outside the Grauman's Chinese Theatre on Hollywood Blvd. advertise for people to "Become a Fan" of the Theatre on Facebook is seen at the Los Angeles premiere of the film "What to Expect When You're Expecting," Monday, May 14, 2012, in Los Angeles. The social network's stock is expected to start trading on the Nasdaq stock exchange later this week after it's initial public offering. (AP Photo/Danny Moloshok)

NEW YORK (AP) ? Facebook on Tuesday increased the price range at which it plans to sell stock to the public, as investor enthusiasm in the offering continued to mount and boost the potential value of the world's most popular social network.

The Menlo Park, Calif. company said in a regulatory filing that it now expects to sell its stock for between $34 and $38 per share, up from its previous range of $28 to $35. At the upper limit of $38 per share, the sale would raise about $12.8 billion.

The IPO is expected to be completed late Thursday and begin trading on the Nasdaq Stock Market on Friday under the ticker symbol "FB."

The increased range is a sign of high demand from investors to own a piece of the world's most popular social network. The initial public offering is the most hotly anticipated in years and would value Facebook at more than $100 billion.

Facebook is selling 180 million of its shares in the IPO. Another 157 million shares are coming from existing stockholders, including the company's earliest investors and CEO Mark Zuckerberg.

Even after the IPO, Zuckerberg will remain Facebook's single largest shareholder. And he will control the company through 57 percent of its voting stock.

The IPO is expected to be the largest ever for an Internet company. It is expected to raise more than 10 times as much as the $1.67 billion raised in Google Inc.'s 2004 IPO.

At a value of $38 per share, the high end of Facebook's expected range, Facebook would generate $6.84 billion on its shares. Existing stockholders would collectively make $5.98 billion.

Facebook has more than 900 million users who log in at least once a month.

Even at the higher price range, it's going to be tough for the company's fans and everyday investors to get in on the IPO. Most of the shares are expected to go to people with connections to the company or large, active accounts with one of the big banks or brokerage firms directly involved in the stock sale.

Morgan Stanley leads the team of 33 underwriters selected for the Facebook offering, followed by JPMorgan Chase and Goldman Sachs.

The inclusion of online broker E-Trade Financial Corp. as an underwriter was seen as a glimmer of hope that Facebook might make more shares available than usual for retail investors through discount brokerages. But chances of getting any are very slim regardless.

Analysts say there's so much interest in Facebook's stock that some underwriters are closing their books as early as Tuesday. This means they won't be taking any more orders from potential buyers.

In its Tuesday filing, Facebook also adjusted the timetable for finishing its $1 billion acquisition of Instagram, saying it expects the deal to close sometime in 2012. Previously, it had said it expected to complete the deal in the second quarter.

Some have speculated that the acquisition of the photo-sharing network would come under regulatory scrutiny. If the deal doesn't close by Dec. 10, Facebook could have to pay Instagram a breakup fee of $200 million.

Associated Press

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Arthritis Discomfort Remedies And Solutions For Osteo arthritis Pain

By description, Osteo arthritis means inflammation in the joint parts. Inflammation involves four criterions- these are pain, inflammation, inflammation and development of the local heat range. All these are seen in Osteo arthritis.

The first question comes to our mind is whether to go for the substitute healthcare of arthritis or not. The suggestion is- if it allows you to be dynamic, you can go for it.

This subject increases complex issues, and there is no easy answer that informs us about the fruitfulness of substitute treatments for treatments of arthritis.

As for example, rub, workout and hot fomentation, which are well known treatments methods for many years, are recruited as substitute strategy to cure arthritis. But actually, these are the standard and recognized practice in the remedies for years.Alternative arthritis pain reducer has a broad variety.

It begins from A (stands for Acupuncture) to Z (stands for Zinc oxide sulfate). The varieties of the center variety are from diamond to dietary products to magneto treatments to yoga- just to name a few.

A lot of arthritis sufferers look for substitute arthritis pain reducer with a view to get getting rid of this, combined rigidity, anxiety, stress and even depressive disorder that the sufferers are affected.According to the Osteo arthritis Groundwork of The united states more than 70% of the sufferers who are experiencing arthritis have tried the substitute treatments for arthritis treatments.

Here are some of the useful providers and top arthritis pain relievers:

Glucosamine and Chondroitin Sulfate- these two ingredients are existing normally in any synovial fluid of the combined (the fluid material that is existing in the combined space in a bag). At the moment they are created artificially in the clinical and are promoted.They have the power to reduce the value of pain that a individual has arthritis along with considerably reducing down the success of Osteo arthritis besides speeding up repair of the deranged combined.

MSM or Methyl Sulphonyl Methane provides organic sulfur to the joint parts. This residence makes it a useful anti-inflammatory broker to battle arthritis.

MSM decreases the concentration of inflammation, thus decreases this and inflammation of the joint parts. As a result, the enhancement it is a very effective pain killers.

Turmeric, the liven we use to make our recipes has a highly effective residence of anti-inflammatory activity. By far, turmeric root extract extract is the best organic component for stop arthritis activity.

In Ayurveda (Indian program of historical medicine), the use of Yograja, Guggulu, Mahamas oil, Aniseed oil, Camphor, Menthol are well known.

Boswellia is a plant that has much anti-inflammatory activity.

Another substitute arthritis pain reducer is SAM-e. It allows to increase the combined versatility.

Thus in a case of combined rigidity, increases the variety of activity. Traditional china remedies is a traditional Chinese technique of pain reducing. According to this technique, the epidermis is pierced using several little indicated tiny sharp needles.

The tiny sharp needles are placed in the so called 'Active stress points'. This in turn provides some alerts to our Main Anxious System producing treatments.

Some people prefer 'Magnetotherapy'. Small heat are placed over the attractive resounding point on the epidermis. It is considered that the attractive field created by these little snacks decreases this.

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Retirement Plan Options For Small Businesses | Payroll Accounting ...

Ron Leyva

MiNeeds.com, where consumers get competitive bids from Accountants/CPA?s. Read reviews, compare offers & save. It?s free!

http://www.mineeds.com/Claremont/Leyva-Business-Services/Articles/Retirement-Plan-Options-For-Small-Businesses

MiNeeds, Accountants / CPAs, Claremont, CA, 91711, Leyva Business Services, Ron, Leyva, Retirement Plan Options For Small Businesses

So, you have gone into business for yourself?Way to go. But you want to put a retirement plan in place for you employees, but don?t know what you can do. Here are some options that might be in interest to you. This article is a bit long, but I hope that it provides you with some information that can make take some worry off your mind.

According to The Pension & Welfare Benefits Administration, small businesses employ nearly 40% of the private-sector workforce in the United States. However, a majority of small businesses do not offer their workers retirement savings benefits.

If you?re like many other small business owners in the United States, you may be considering the various retirement plan options available for your company. Employer-sponsored retirement plans have become a key component for retirement savings. They are also an increasingly important tool for attracting and retaining the high-quality employees you need to compete in today?s competitive environment.

Besides helping employees save for the future, however, instituting a retirement plan can provide you, as the employer, with benefits that enable you to make the most of your business?s assets. Such benefits include:

? Tax-deferred growth on earnings within the plan

? Current tax savings on individual contributions to the plan

? Immediate tax deductions for employer contributions

? Easy to establish and maintain

? Low-cost benefit with a highly-perceived value by your employees

Most private sector retirement plans are either defined benefit plans or defined contribution plans. Defined benefit plans are designed to provide a desired retirement benefit for each participant. This type of plan can allow for a rapid accumulation of assets over a short period of time. The required contribution is actuarially determined each year, based on factors such as age, years of employment, the desired retirement benefit, and the value of plan assets. Contributions are generally required each year and can vary widely.

A defined contribution plan, on the other hand, does not promise a specific amount of benefit at retirement. In these plans, employees or their employer (or both) contribute to employees? individual accounts under the plan, sometimes at a set rate (such as 5 percent of salary annually). A 401(k) plan is one type of defined contribution plan. Other types of defined contribution plans include profit-sharing plans, money purchase plans, and employee stock ownership plans.

Small businesses may choose to offer a defined benefit plan or any of these defined contribution plans. Many financial institutions and pension practitioners make available both defined benefit and defined contribution ?prototype? plans that have been pre approved by the IRS. When such a plan meets the requirements of the tax code it is said to be qualified and will receive four significant tax benefits.

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1. The income generated by the plan assets is not subject to income tax, because the income is earned and managed within the framework of a tax-exempt trust.

2. An employer is entitled to a current tax deduction for contributions to the plan.

3. The plan participants (the employees or their beneficiaries) do not have to pay income tax on the amounts contributed on their behalf until the year the funds are distributed to them by the employer.

4. Under the right circumstances, beneficiaries of qualified plan distributors are afforded special tax treatment.

It is necessary to note that all retirement plans have important tax, business and other implications for employers and employees. Therefore, you should discuss any retirement savings plan that you consider implementing with your accountant or other financial advisor.

Here?s a brief look at some plans that can help you and your employees save.

A SIMPLE plan allows employees to contribute a percentage of their salary each paycheck and to have their employer match their contribution. Under SIMPLE plans, employees can set aside up to ,500 in 2009 (,500 in 2008) by payroll deduction. If the employee is 50 or older then they may contribute an additional ,500. Employers can either match employee contributions dollar for dollar ? up to 3 percent of an employees wage ? or make a fixed contribution of 2 percent of pay for all eligible employees instead of a matching contribution.

SIMPLE plans are easy to set up ? you fill out a short form, administrative costs are low, and much of the paperwork is done by the financial institution that handles the SIMPLE plan accounts. Employers may choose either to permit employees to select the IRA to which their contributions will be sent, or to send contributions for all employees to one financial institution. Employees are 100% vested in contributions, get to decide how and where the money will be invested, and keep their IRA accounts even when they change jobs.

A SEP allows employers to set up a type of individual retirement account ? known as a SEP-IRA ? for themselves and their employees. Employers must contribute a uniform percentage of pay for each employee. Employer contributions are limited to the lesser of 25 percent of an employee?s annual salary or ,000 in 2009 (,000 in 2008. This amount is indexed for inflation and will vary each year). SEPs can be started by most employers, including those that are self-employed.

SEPs have low start-up and operating costs and can be established using a single quarter-page form. Businesses are not locked into making contributions every year. You can decide how much to put into a SEP each year ? offering you some flexibility when business conditions vary.

401(k) plans have become a widely accepted savings vehicle for small businesses. Today, an estimated 25 million American workers are enrolled in 401(k) plans that hold total assets of about trillion.

A 401(k) Plan allows employees to contribute a portion of their own incomes toward their retirement. The employee contributions, not to exceed ,500 in 2009 (,500 in 2008), reduce a participant?s pay before income taxes, so that pre-tax dollars are invested. If the employee is 50 or older then they may contribute another ,500 in 2009 (,000 and 2008). Employers may offer to match a certain percentage of the employees? contribution, increasing participation in the plan.

While more complex, 401(k)plans offer higher contribution limits than SIMPLE plans and IRAs, allowing employees to accumulate greater savings.

Employers also may make profit-sharing contributions to a plan that are unrelated to any amounts an employee chooses to contribute. Profit-sharing Plans are well suited for businesses with uncertain or fluctuating profits. In addition to the flexibility in deciding the amounts of the contributions, a Profit-Sharing Plan can include options such as service requirements, vesting schedules and plan loans that are not available under SEPs.

Contributions may range from 0% to 25% of eligible employees? compensation, to a maximum of ,000 in 2009 (,000 in 2008) per employee. The contribution in any one year cannot exceed 25% of the total compensation of the employees participating in the plan. Contributions need not be the same percentage for all employees. Key employees may actually get as much as 25%, while others may get as little as 3%. A plan may combine these profit-sharing contributions with 401(k) contributions (and matching contributions).

Business owners setup retirement plans for different reasons. Why are you considering one? Do you want to:

? Take advantage of the tax breaks, to save more money than you?d otherwise be able to?

? Provide competitive benefits in addition to ? or in lieu of ? high pay to employees?

? Primarily save for your own retirement?

You might say ?all of the above.? Small employers who want to set up retirement plans generally fall into one of two groups. The first group includes those who want to set up a retirement plan primarily because they want to create a tax-advantage savings vehicle for themselves and thus want to allocate the greatest possible part of the contribution to the owners. The second group includes those who just want a low-cost, simple retirement plan for employees.

If there were one plan that was most efficient in doing all these things, there wouldn?t be so many choices. That?s why it?s so important to know what your goal is. Each type of plan has different advantages and disadvantages, and you can?t really pick the best ones unless you know what your real purpose is in offering a plan. Once you have an idea of what your motives are, you?re in a better position to weigh the alternatives and make the right pension choice.

If you do decide that you want to offer a retirement plan, you are definitely going to need some professional advice and guidance. Pension rules are complex, and the tax aspects of retirement plans can also be confusing. Make sure you confer with your accountant before deciding which plan is right for you and your employees.

I hope you enjoyed the article! Please rate it at the following link, your feedback is highly appreciated:

Retirement Plan Options For Small Businesses

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Markets tumble as Greek government talks fail

By Dina Kyriakidou and Paul Taylor

ATHENS/PARIS (Reuters) - Attempts to form a government in Greece collapsed on Tuesday, jolting financial markets at the prospect that leftists opposed to the terms of an EU bailout could sweep to victory in a June election and tip the euro zone deeper into crisis.

The turmoil in Athens sent shock waves around other troubled members of the 17-nation European single currency area. The euro slipped below $1.28, world stocks slid and Spanish and Italian bond yields rose above the danger level of 6 percent as investors scurried for shelter in safe haven German Bunds.

The tremors from Greece, compounding worries about Spain's debt-laden banking system, ended any honeymoon for new French President Francois Hollande, thrusting the growing risks to the euro zone to the top of the agenda for his first meeting with German Chancellor Angela Merkel hours after he took office.

In his inaugural address, the Socialist president called for a European pact to revive growth and temper German-driven austerity measures, seeking to change the direction of euro zone economic policy.

"I will propose to our partners a pact that will tie the necessary reduction of our public debt to the indispensable stimulation of our economies," Hollande declared, saying Europe needed "projects, solidarity and growth".

The French leader's aircraft was struck by lightning shortly after takeoff from a military airport near Paris en route for Berlin, forcing him to turn back and take a substitute plane.

In Athens, President Karolos Papoulias abandoned efforts to broker a compromise on a cabinet of technocrats to steer the country away from bankruptcy, nine days after an inconclusive general election. A caretaker government will now be formed pending a new vote probably in mid-June.

"We resisted in every way," said Alexis Tsipras, leader of the hard-left SYRIZA party, which surged to second place in last week's election on an anti-austerity platform and blocked any deal with pro-bailout mainstream parties.

"We made the decision to not betray your hopes and your expectations," said Tsipras, emboldened by opinion polls showing his party could top the poll in a second vote. "Now it's time to complete it: We will consign in the dustbin of history all the spent forces of the past.

Euro zone finance ministers dismissed talk of Greece leaving the single currency area as "propaganda and nonsense" on Monday. But with hostility to EU/IMF-imposed austerity rising in Greece, speculation about a possible state bankruptcy and euro exit is rattling financial markets and won't go away.

IMF chief Christine Lagarde said it was important to be technically prepared for the possibility of Greece leaving the euro zone, warning that such a move would be "quite messy" with risks to growth, trade and financial markets.

Finnish Prime Minister Jyrki Katainen openly discussed the prospect, telling broadcaster MTV3: "If Greece were to leave the euro it would probably not cause a significant financial crisis that would have happened a couple of years ago.

"But on the other hand, we would have other problems. What kind of impact would it have on European economic development, on Spain's, Italy's economies, would market begin to speculate about other euro countries leaving? Naturally it would have an impact on the stability of Greek society."

MORE TIME?

Averting an immediate default, Greece made a key payment to bondholders who rejected an earlier debt exchange, a move likely to upset the vast majority of creditors who accepted just cents on the euro in a historic bond swap in March.

The outgoing government opted to pay 435 million euros ($552 million) of a May 15 bond to investors who had refused to exchange their debt, despite having insisted that those who rejected the swap would get nothing.

Sworn in with all the pomp of the French Republic, Hollande won support from Germany's opposition Social Democrats (SPD), who vowed to use their parliamentary blocking power to delay ratifying a European budget discipline treaty until Merkel accepts accompanying measures to boost growth and jobs.

Hollande's inauguration with military honors, capped by an open-topped motorcade ride up the Champs Elysees to the Arc de Triomphe in a torrential downpour, marks a potential turning point in the euro zone's debt crisis.

EU officials hope his election will revive proposals for radical steps to overcome the debt crisis such as issuing joint euro zone bonds, which Merkel has so far blocked.

Some policymakers believe it could also lead to heavily indebted member states that are in the grip of a recession being given more time to meet their EU budget balancing targets.

Markets and policymakers are watching the dialogue between the conservative German chancellor and the centre-left French leader for signs that they can overcome their differences on Merkel's drive for austerity and lead the euro zone together.

In Berlin, the Social Democrats, invigorated by their victory over Merkel's Christian Democrats (CDU) in a major regional election on Sunday, said growth measures must go beyond the structural economic reforms advocated by the chancellor.

"That is not our definition of growth nor that of the Socialists in France," said SPD Chairman Sigmar Gabriel.

A senior Merkel ally, CDU parliamentary whip Peter Altmaier, said that while he expected no concrete decisions to be taken at the first Merkel-Hollande meeting, he was confident the euro zone's two most powerful economies would reach a joint position on growth measures in time for an EU summit next month.

"It is important that we study each others' proposals. But I am sure that we will be able to agree a common Franco-German approach by the end of June at the latest," Altmaier told Reuters in an interview.

Despite the SPD's threat, Altmaier said he expected the German parliament to approve the European fiscal compact before the summer recess, which requires some opposition votes to provide the necessary two-thirds majority.

"HOMER" AFTER "MERKOZY"?

Merkel and former French President Nicolas Sarkozy, who left office on Tuesday, had dominated euro zone crisis management since the debt turmoil began in late 2009, earning the nickname "Merkozy" for their sometimes disputed leadership.

Her relationship with Hollande, which one French pundit has already dubbed "Homer" perhaps due to its Greek challenge, may initially be cool as they are from opposing political families.

But the chancellor has promised to welcome the Socialist "with open arms" and the two calm, methodical leaders may be better suited temperamentally than the calculating Merkel and the impetuous, hyperactive Sarkozy.

Hollande has said he will press Berlin to lift its veto on issuing common euro zone bonds to harmonize borrowing costs within the currency area, or to allow the European Central Bank to lend directly to governments.

Both ideas are "red lines" for the centre-right German government, although Merkel has not ruled out euro zone bonds as a long-term prospect if Europe takes more steps towards a tighter political and fiscal union.

Surprisingly strong first quarter growth figures for Germany relieved pressure on shares and the single currency on Tuesday, but worries about the deepening impact of the euro area crisis and a possible Greek exit kept demand for safe-haven assets strong.

The German economy grew 0.5 percent in the first three months of the year, well ahead of forecasts due to a big rise in exports, but weakness elsewhere in the region meant the euro zone stagnated in the first quarter.

(Additional reporting by Catherine Bremer and Brian Love in Paris, Noah Barkin and Andreas Rinke in Berlin, Jan Strupczewski in Brussels and Richard Hubbard in London; Writing by Paul Taylor; Editing by Giles Elgood and Janet McBride)

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T-Mobile UK reveals Samsung Galaxy S III pricing

T-Mobile is the latest British carrier to announce pricing details for its subsidized Galaxy S III handsets. Tmo UK is promoting the Galaxy S III on its "Full Monty" plan, which offers unlimited data, texts and T-Mobile to T-Mobile calls, in addition to 2000 minutes to other networks. If that's what you're after in a Galaxy S III price plan, then you'll pay £49.99 up-front, and then £36 per month for the next 24 months. Right now the network's not offering details of any other Galaxy S III plans, but it's likely the phone will be offered with a cheaper monthly bill, in exchange for a higher up-front fee for the phone.

The Samsung Galaxy S III will launch in the UK in just over two weeks, starting May 30. All five major mobile networks, including T-Mobile, are confirmed to be carrying the device.

More: T-Mobile UK

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scrambls

Facebook includes an option to limit readership of your posts to specific groups, but you have to remember to use it. Other social media sites may not offer similar protection. A scrambls (free) membership lets you take total control of who can read any post. It isn't military-grade encryption, but it works well for simple privacy, as long as all of your friends install it too.

To start using scrambls, you sign up for a free account and download the appropriate browser plug-in. The service currently offers plug-ins for Firefox, Chrome, Safari, and Fennec (Firefox's mobile browser for Android). There's no plug-in for Internet Explorer as yet, but the company is working on it.

The company specifically advertises that scrambls works with Facebook, Twitter, LinkedIn, Google+, and Yammer, but it really should work for any social media site. If you discover a site where scrambls doesn't work, the company wants to know about it.

You type your post as usual, but when you send it scrambls replaces the text with a social-media-friendly encrypted version. If you're logged in to scrambls you'll still see the plain-text post. If not, or if you're not authorized to see the post, it looks like gibberish.

Defining Groups
Out of the box, scrambls defines two groups, Everyone and Only Me. A post scrambld for the Everyone group will be visible to any other scrambls user; a post set to Only Me can't be viewed by anyone but you.

You'll probably want to define your own groups to control access. Unfortunately you can't import your friends list from Facebook. The simplest way to define a group is by using a list of email addresses. According to the scrambls site, "We will soon be adding support for other identifiers, such as a Facebook id, as well as the ability to assign multiple identifiers to one account."

Scrambls offers a number of advanced methods for defining a group. You can include entire domains, for example, to keep certain posts accessible only within your company. You can also exclude specific domains or addresses.

One way to avoid entering an endless list of addresses is the shared secret technique. You define a shared secret (basically a passphrase) for the group. Any scrambls user who wants to view posts assigned to this group must enter the passphrase to see the plain text.

Group rules can also determine just when a post can be viewed. You can control the beginning and ending date for viewing of posts to a group, or set posts to become active and expire after a specified time. For business users, there's an option to authenticate users via an external service; setting this up will require help from scrambls tech support.

Your initial choice of group for a post isn't set in stone. At any time you can right-click a scrambld post and choose a different group. Setting a post to the Only Me group effectively hides it from everyone else.

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ATD: Yahoo's CEO Scott Thompson to step down amidst degree scandal (update: confirmed)

While thousands upon thousands of Americans are celebrating graduation weekend with degree in hand, it looks as if the CEO of one particular internet company will be wondering why he lied about his. After weeks of investigating, word on the street has it that freshly appointed (as in January 4th) CEO Scott Thompson will be "stepping down." In other words, he's being canned. The news comes from an All Things D report on the matter, with the official word expected soon. The scandal took hold a few weeks back, with the official Yahoo bio listing a computer science degree that he allegedly didn't even have. The company line is that he's bolting for "personal reasons," but seriously -- what are the chances these "reasons" would've emerged sans scandal? It's bruited that Yahoo's global media head Ross Levinsohn will be filling Scott's shoes for now, but there's no word yet on who the firm's next CEO will be. It's a shame, but it sure feels like a revolving door in Yahoo's corner office.

Update: Yahoo has confirmed Thompson's departure in an official press release (after the break), placing Ross Levinsohn in a interim CEO position, as expected. The firm also mentions that Roy Bostock's seat as Chairman of the board will be filled by Fred Amoroso. Hit the break for the official statement.

Continue reading ATD: Yahoo's CEO Scott Thompson to step down amidst degree scandal (update: confirmed)

ATD: Yahoo's CEO Scott Thompson to step down amidst degree scandal (update: confirmed) originally appeared on Engadget on Sun, 13 May 2012 12:03:00 EDT. Please see our terms for use of feeds.

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We Are Swimming In Oil (Powerlineblog)

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You Won't Believe This Colorful Glass Gem Corn Is Freaking Real Corn [Food]

This is corn. No, it's not photoshopped. Yes, it's real. It's a corn variety called Glass Gem Corn and though it may look like jelly beans or beads, it's real, actual, edible corn. What in the world? More »

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Pebble ties itself up in Twine: sounds so rustic, couldn't be any less (video)

Take an e-ink smartwatch that's got plenty of willing customers, throw in a WiFi-connected sensor box and well, imagine the possibilities. The founders behind Pebble and Twine hope you are, because they have announced that the pair will be connectable through the latter's web-based interface. This means you'll be able to setup text notifications to your wrist when your laundry's done, when someone's at your door and plenty more mundane real-world tasks. A brief video explains how it should all go down, but try not to get too excited -- pre-orders are sadly sold out.

Continue reading Pebble ties itself up in Twine: sounds so rustic, couldn't be any less (video)

Pebble ties itself up in Twine: sounds so rustic, couldn't be any less (video) originally appeared on Engadget on Fri, 11 May 2012 16:41:00 EDT. Please see our terms for use of feeds.

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Lil Boosie Found Not Guilty In Murder Trial

Baton Rouge rapper dodges a life sentence in 2009 murder case.
By Nadeska Alexis

Lil Boosie
Photo: Asylum

After a week of testimony and deliberation in a murder trial stemming from a 2009 case, jurors in Baton Rouge, Louisiana, found rapper Lil Boosie (born Torrence Hatch) not guilty of a first-degree murder charge on Friday (May 11). The rapper was facing life in prison if convicted.

Boosie is currently serving an eight-year sentence for non-related drug charges, but WBRZ reported that the 29-year-old was able to beat seemingly insurmountable odds in a murder trial in which he was accused of ordering primary witness Michael "Marlo Mike" Louding to murder Terry Boyd. The 35-year-old was shot to death in his home in Baton Rouge in October 2009.

On the third day of testimony in the Boosie trial, 19-year-old Louding took the stand and backtracked on his previous confession of being hired to kill Boyd. He claimed instead that he had never confessed to law enforcement about the murder, adding that he was with Hatch and getaway driver Adrienne Pitman at the rapper's house on the night of the shooting.

The prosecution came under fire for using Boosie's violent lyrics to incriminate him in the case, even pointing to Louding's tattoo of an AK-47, with the script "Yo Boosie Who's Next?" as proof that the two had conspired. Meanwhile, the defense aimed to paint a picture of Boosie as an artist who let too many strangers into his inner circle without knowing their true intentions.

On Wednesday morning, an IT specialist took the stand to testify about the contents of the Baton Rouge rapper's computer. The expert pinpointed a photo of a tattoo parlor, which was related to the investigation, but no details were given on how his testimony might have affected the case. Throughout the trial, several officers were questioned, including one who revealed that Boosie was not considered a suspect until his name was brought up during Louding's confession.

While prosecutors argued that Louding's admissions and cell phone records were proof that he committed the crime, Boosie's defense attorneys countered that the confession was a lie, prompted by hours of interrogation.

Stick with MTV News and RapFix.MTV.com as further details in the case emerge.

Related Artists

• Lil Boosie

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Many blacks shrug off Obama's new view on gays (The Arizona Republic)

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