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Fact: If a 401(k) plan seems confusing to you, your employees may feel the same. Choosing a modern 401(k) with an easy-to-use interface will make them more likely to get on board. Myth: They're for larger companies who can afford them. Fact: Many 401(k) providers now offer small business solutions at affordable rates. Additionally, the tax advantages for offering retirement plans to employees often offset some plan fees. Myth: I can't afford employer matching contributions on my small business budget. Fact: Not only do matching programs vary widely, they are optional. Even if your small business is unable to afford a match, you can still offer your employees a 401(k) plan so that they can contribute their own money. What are some of the key responsibilities that a 401(k) providers can help you handle? Plan design and setup: Document your plan, coordinate contributions with your payroll provider and custodian, and designate fiduciary responsibilities. Enrollment and education: Explain your plan to employees, educate them on investment options, and give them timely notice of plan changes.
The room was well thought out and challenging yet was realistic in expectations for its players. I cannot wait to return and try the other rooms. Jennifer Great experience! We have done many escape rooms and this one was so fun! Don't let the outside of the place steer you away. We did the Dracula room and it was a great theme and great puzzles. Enjoyed chatting with the friendly staff about escape rooms! We will definitely be back! Elyssa We use cookies to optimize site functionality, personalize content, and provide you better experience. By continuing to browse our website, you agree to our cookie policy. Please read our full privacy statement.
"Getting a COVID-19 vaccine is an important tool to help stop the pandemic, " tweeted the CDC's official account. Accompanying the text was a cartoon image of a woman wearing a mask receiving a vaccination. "You may have some side effects, which are normal signs that your body is building protection, " states the text on the promo. Getting a COVID-19 vaccine is an important tool to help stop the pandemic. More on how viral vector #COVID19 vaccines work:. — CDC (@CDCgov) April 6, 2021 The female character has exactly the same eyes and nose as the NPC wojack, a meme that first came to prominence in 2018. According to KnowYourMeme, the NPC wojack meme, which is named after non-player characters within video games, is supposed to symbolize unthinking drones who just regurgitate whatever the establishment feeds them. "The character is meant to represent people who do not think for themselves or are incapable of having an internal monologue, bearing many similarities to the terms "basic" and "normie, " according to the website.
If you're considering refinancing, here are the questions we asked ourselves (and you should too) before you jump in. 5 Questions to Ask Yourself Before You Refinance 1. Is the New Interest Rate 1-2% Lower Than Your Current Rate? The general rule of thumb is that it's worth it to refinance if your new interest rate will be at least 2% lower than your current rate, but many argue even a 1% drop (or less! ) is worth it if you're going to stick around. So for us, the old interest rate was 4. 25%. The new interest rate was 2. 75%. Difference: 1. 5% So far so good. 2. Will You Be In Your House Long Enough to Make Up for the Refinance Fees? It's not free to refinance: you have to pay for someone to write you a new mortgage, and the average cost is around $5, 000, depending on where you live. So while lowering your interest rate saves you money in the long run, you have to find your breakeven point: where the money you save in interest is greater than the initial upfront refinancing costs—and then do some crystal ball staring to figure out the likelihood of you still living in your house at that point.
Doing so will flag your account so companies know there is an issue that is currently being dealt with in regard to your credit score. Request a Credit Report Although you only need to contact one of the three companies to request a fraud alert claim, you should request a credit report from each of them. Although major damage has already been done, checking your credit report for ID theft will help you pinpoint when the security breach occurred, and will also keep you informed of any further issues with your credit score. Create Official Reports Once you have all the information you could possibly get from your credit report, you'll need to file formal complaints. The first complaint to file is a report to the FTC. In this report, you'll need to provide as much information as possible regarding the identity theft. Make a copy of this, of course – you'll be using it immediately. Next, file a police report at your local station. This will open the door for a formal investigation by law enforcement on your behalf.