Self-Employed Retirement Plans: Which Is Right for You?

Being self-employed certainly has its benefits. From being able to throw your alarm clock out the window to having the opportunity to take a three day weekend whenever you like, it is easily the best gig out there. However, when it comes to retirement planning, being  self-employed has its drawbacks as well. If you had chosen to work within a larger corporation, the chances are quite good that your company might have set up and contributed to a retirement account for you, thereby absolving you of the responsibility of  handling the situation yourself.  But since you are on your own choosing the right retirement plan early is essential to your financial state of being later in life.

What Are My Options?

There are several kinds of retirement plans available for the self-employed. A Simplified Employee Pension, also known as an SEP, is a fairly simple, basic retirement plan. A Keogh is a bit more complicated, but the benefits can outweigh the related complications. Individual 401K plans offer some of the best self-employment benefits on the market. Roth IRA plans are an excellent secondary retirement savings plan. Spousal deductible
IRAs work well if your spouse has an established retirement plan at work.

Which Option Is Right For Me?

SEP Benefits: If you choose to go with an SEP plan, you are looking at a simple retirement account that accepts contributions of up to $44,000 per year. In general, you can contribute twenty percent of your self-employment earnings to this type of plan without paying any taxes on the money. One of the best benefits of a plan like this one is that they are really easy to set up. They have no real ongoing costs, unlike many of the other self-employment plans,, and they allow some fairly serious contributions each year, helping you prepare for retirement at a much earlier age.

How to change the Design and Background of Blogger comment box

Here in this post I will tell you about how to change default design and background of Blogger comment box. Every blogger wants their users to leave some quality comments or start a discussion as this is the only way to interact with their readers and sort out their problems or respond to their queries.It is also useful in creating backlinks. So it is necessary to give an attractive and good look to the default comment background and design.
To change the design of blogger comment box just follow some easy steps mentioned below and you will be there :-
i.) Go to your Blogger Dashboard >> then go to TEMPLATE section.
ii.) Now hover your mouse to EDIT HTML option and click on it.
iii.) In Edit HTML option search for the code which will look like ]]></b:skin>
iv.) Now paste the below code just Before/Above the ]]></b:skin> code. Here is the code which you have to paste –

Tips to Effective Marketing for Start-Ups

dentify your Market

Market research is the first step in developing a marketing plan. Determine who your target customers are. The age, lifestyle and income levels of your prospective customers will have a direct affect on where you spend your advertising dollars.

What are your customers looking for? Check trade magazines for statistics and buying trends. Visit your library for local records, published surveys and reports pertaining to your business market. A neighborhood retail business will market differently than one with an international clientele. Known your target demographic and focus on marketing to them.

Investigate your Competition

Monitoring the competition is important in all facets of a business, including marketing. Find out what type of marketing techniques your competitors are using. Evaluate their  strengths and weaknesses, and develop new ideas to outshine them. Focus on discovering what value competitors are portraying in their advertising, and attempt to deliver at a higher level.

customer relationship management (CRM)

A management philosophy according to which a company’s goals can be best achieved through identification and satisfaction of the customers' stated and unstated needs and wants.
2.
A computerized system for identifying, targeting, acquiring, and retaining the best mix of customers.
Customer relationship management helps in profiling prospects, understanding their needs, and in building relationships with them by providing the most suitable products and enhanced customer service. It integrates back and front office systems to create a database of customer contacts, purchases, and technical support, among other things. This database helps the company in presenting a unified face to its customers, and improve the quality of the relationship, while enabling customers to manage some information on their own.

what is computer networking

computer network or data network is a telecommunications network which allowscomputers to exchange data. In computer networks, networked computing devices exchange data with each other using a data link. The connections between nodes are established using either cable media or wireless media.