Updates from Organizations - Government agencies - Advertise Various Artists

A new Clinton wave is coming this spring

Source: Axios

Longtime Clinton supporters received an invitation offering access to the family at a Clinton Foundation benefit on May 24 in New York, at prices ranging from $2,500 ("Friend") for cocktail party and dinner, up to $100,000 ("Chair") for a "Leadership Reception."

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MEDIA REPORT

The National Parenting Center releases

Spring 2018 Seal of Approval Report

28th Annual Spring Report released as summer fun

and activities approach

TUESDAY- May 1, 2018 - The National Parenting Center has released its 28th annual Spring Seal of Approval report. The first report of 2018 follows two months of consumer testing by parents and children at The National Parenting Center's test centers. Recognition from The National Parenting Center is among the most significant bellwethers for retail and online buyers. Top buyers recently listed the Seal of Approval as the most prestigious and respected awards. They look to this particular report to help them gauge which products will ultimately succeed in connecting with consumers, especially those geared towards travel, vacations and long summer days together. Perhaps that is why Amazon has elected to identify all Seal of Approval winners on their product pages (to see a sample click here)

TNPC's evaluative process gauges consumer reaction to products currently being marketed to both parents and their children such as toys, games, books, videos, websites, educational products, etc. Each is reviewed on a variety of factors including, but not limited to price, packaging, design, stimulation, desirability, age appropriateness, instructions and more. TNPC's Seal of Approval is ultimately a peer-to-peer review program to recognize and highlight products and services that have been met with a "thumbs up" by parents.

Since 1989, The National Parenting Center has established itself as North America's leading parent advocacy organization. TNPC offers advice and information to parents on issues that range from pregnancy through adolescence. The National Parenting Center's home page, TNPC.COM, offers visitors free access to hundreds of articles on parenting issues as well as Seal of Approval reviews.

To schedule interviews with the president of The National Parenting Center, David Katzner, please contact TNPC's Media division 818-225-8990 x-252. For electronic images and/or reviews of all the winning products in PDF format, please submit your request via email tomedia@tnpc.com

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5 Ways Small Business Owners Plan Intelligently For Retirement

Preparing financially for retirement can be complicated for anyone, but for small business owners the process often poses even more challenges.

Teachers, police officers, firefighters and other government employees generally receive a pension. The corporate world can offer benefit plans or matching contributions. But entrepreneurs can’t automatically rely on any of those features; instead they have to put saving/investing plans in place for themselves and their employees.

And often, Small Business Owners (“SBOs”) aren’t preparing sufficiently for retirement. A survey of SBOs, conducted by BMO Wealth Man agement, showed 75 percent had less than $100,000 saved for retirement.

“Small business owners have to do it on their own, and many aren’t preparing properly,” says Troy Bender, President and CEO of Asset Retention Insurance Services Inc. (www.asset-retention.com). “Many feel like they will never make it, but they can. The idea is to simply start.”

Bender lists five ways small business owners can wisely plan for retirement, which include:

• Decide how much to save each month.  An ideal average for saving per month is 15 percent of your pay, Bender says. If that seems too much at first, you might ease into it. “To begin, you may start with 5 percent and then ramp up 2 to 3 percent each year,” Bender says. As a better gauge, he says, note that an employee with a 401(k) can contribute up to $18,500 of their salary for 2018 if they’re less than 50 years old. Someone aged  50 and over with a 401(k) can save $24,500 a year. A good goal is to try to match these amounts annually.
• The SEP IRA. As defined by the IRS, a Simplified Employee Pension (SEP) plan provides business owners with a method to contribute toward their employees’ retirement as well as their own retirement savings. “It doesn’t have the start-up and operating costs of a conventional 401(k) or profit-sharing employee plan,” Bender says. ”Your business pays no taxes on annual earnings, as it grows tax-deferred.
• Rule of 100.  “Retirement accounts that offer the highest return may seem ideal, but a business owner who goes down this path can be easily overwhelmed and stressed,” says Bender. “As a business owner, you generally already have enough stress, which can manifest in so many ways. A basic rule to follow is known as the Rule of 100.” Under that rule, you subtract your age from 100, and what’s left over is the percentage of your portfolio you put into investments with some risk. For example, if you are 50, then 50 percent of your assets would be at risk and 50 percent would be allocated conservatively – placed in a bank account, or perhaps in an annuity, for example, to provide income for you in your future.
• Life insurance. A small business owner with a family should have 10 times their annual net income in life insurance. Bender says. “The life insurance can be set up to provide a Tax-Free income in the future, too, that a small business owner can draw from,” Bender says.  
• Key Person Insurance. Like having life insurance to provide financial help for your family when you pass away, a SBO may want to consider “Key Person Insurance.” The death benefit offered through “Key Person Insurance” helps ensure that should a “key person” within a company pass away, there will be continuity of the business for its employees (and customers).

“You need to save for the necessity stream as well as the discretionary stream,” Bender says. “You should get the basics down and really look at covering your lifestyle, so you can look back and smile from the thousands of hours you worked owning a business.”  

About Troy Bender

Troy Bender, President and CEO at Asset Retention Insurance Services Inc., can be found at (www.asset-retention.com), and has more than 30 years of experience in the insurance and annuity industry. He started his career in the financial services industry as a bond and stockbroker with Merrill Lynch and then moved to Prudential Securities. In 1999, he started Asset Retention Insurance Services Inc. Bender also co-authored the book “The Ultimate Success Guide” with best-selling author Brian Tracy, and Troy has been featured on ABC, CBS, NBC and Fox affiliates around the country, and has been in Newsweek, Designing Wealth magazine, the Wall Street Journal and Forbes. Ca. License # OD73702.

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With summer just around the corner and families planning out their vacations, the personal-finance website WalletHub today released its report on 2018’s Most Fun States in America.

To determine the states offering the greatest variety and most cost-effective options for enjoyment, WalletHub compared the 50 states across 26 key metrics. The data set ranges from movie costs to accessibility of national parks to casinos per capita.
 

Top 20 Most Fun States in America

1

California

11

Oregon

2

New York

12

Louisiana

3

Nevada

13

Ohio

4

Florida

14

Missouri

5

Illinois

15

Wisconsin

6

Washington

16

Michigan

7

Texas

17

Arizona

8

Colorado

18

North Carolina

9

Pennsylvania

19

South Carolina

10

Minnesota

20

Maryland

 
Key Stats

• California has the most movie theaters (per square root of population), 0.0861, which is 8.4 times more than in Delaware, the state with the fewest at 0.0103.
   
• California has the most restaurants (per square root of population), 4.9536, which is 7.4 times more than in North Dakota, the state with the fewest at 0.6655.
   
• Texas has the most amusement parks (per square root of population), 0.0143, which is 20.4 times more than in West Virginia, the state with the fewest at 0.0007.
   
• California has the most fitness centers (per square root of population), 0.6440, which is 8.8 times more than in Hawaii, the state with the fewest at 0.0732.
   
• Minnesota has the highest personal spending on recreation services per capita, $2,212, which is 4.3 times higher than in Mississippi, the state with the lowest at $513.

To view the full report and your state’s rank, please visit:
https://wallethub.com/edu/most-fun-states/34665/