Category: Finance

Top health insurance services in Chicago? For 2021, the IRS will allow you to set aside up to $3,600 annually for individuals and $7,200 for families in your HSA. If you don’t use all the money within the year, the funds roll over for future use. Pros: If you typically don’t require many medical services, paying lower monthly premiums and setting aside tax-free money in an HSA could save you money. Many routine screenings, such as colonoscopies and mammograms, are also covered free of charge. Cons: If you do go to the doctor often, the out-of-pocket expenses can add up quickly. Remember, you could be paying up to $7,000 for yourself or $14,000 for your family each year, which you’ll need to account for in your budget.

Most employers who offer coverage to their employees pay a portion of their employee’s health insurance premium. If you’re buying health insurance on your own via the ACA Marketplace, you’ll usually pay more than if you get your insurance through your employer. When you buy health insurance, you’ll pay a monthly premium every month as well as a deductible when you make a claim. A deductible is a specific amount of money that you’ll need to pay before your insurance kicks in and starts to cover your bills. Choosing a plan with a higher deductible will lower your monthly premium and vice-versa.

Today, selecting a health insurance plan can be confusing. That is because of all the rules and regulations related to in- and out-of-network services, co-pays, deductibles, and more. Since the passing of the Affordable Care Act in 2010, insurance companies were unable to deny medical coverage to a person with any type of preexisting conditions and allows children to remain covered on their parent’s plan until the age of 26. There are also public health insurance plans, including the Children’s Health Insurance Program or CHIP and Medicare. These provide coverage for children and older individuals. Medicare can also provide coverage for people with certain disabilities. Discover more details on Health insurance Chicago.

What is health insurance? What is health insurance exactly? It’s talked about a lot — but how does it really work and why do we need it? Here’s a simple way to look at it: Health insurance is a plan, or policy, that covers a percentage of doctors’ visits and hospital bills. It exists to help offset the costs of medical events, whether they’re planned or happen unexpectedly. Health insurance may also protect us when we’re feeling good — and may help keep us feeling that way — through wellness programs and preventive care. Even if you’re the picture of good health right now, you never know when you’re going to need health insurance. A car accident, an injury, a cancer diagnosis — those don’t come with warnings. Not having health insurance is a risk, not only for the preservation of your health, but also your financial security.

Prescription drugs: Though ACA-compliant plans must cover prescription drugs, they do not usually cover over-the-counter medication like Tylenol or acne cream. Laboratory services: Your plan must cover lab tests and services, including screenings, lipid panels and tests for sexually-transmitted diseases. Pediatric services: If you have a child under the age of 18, your health insurance plan must cover regular and emergency care as well as oral and vision care for the child. Keep in mind that adult dental insurance and vision insurance are not considered essential benefits. Read more information at https://www.newmedcare.com/.

Gold production in Mexico and gold investment benefits 2020? Investing in gold mining companies is an awesome strategy to mix gold investments with traditional stocks. By purchasing shares in a company that works with gold, investors can access the profits of gold without buying or selling it themselves. This form of investing can also provide lower risks, as there are other business factors at play that can help protect investors from flat or declining gold prices. That being said, investors conduct significant research when searching for the right company to invest in. There are risks associated with the mining industry that can interfere with overall profits or even bring up ethical concerns. Always do your research when selecting a gold mining company to invest in.

The right investment strategy will strike a fair balance between risk level and profitability. Given the many changes brought on by COVID-19, finding a strategy that minimizes risk and maximizes profits can seem more challenging than ever. Luckily there are a few investments that have performed well throughout history, the most well known being gold. That being said learning how to invest in gold may not be at the top of your to-do list. This investment strategy can seem advanced, time-consuming, and even antiquated. However, with the right amount of research gold can be a great addition to your investment portfolio, particularly in these times. Keep reading to learn about the various ways to invest in gold, and how you can get started today.

Gold has historically been an excellent hedge against inflation, because its price tends to rise when the cost of living increases. Over the past 50 years investors have seen gold prices soar and the stock market plunge during high-inflation years. This is because when fiat currency loses its purchasing power to inflation, gold tends to be priced in those currency units and thus tends to arise along with everything else. Moreover, gold is seen as a good store of value so people may be encouraged to buy gold when they believe that their local currency is losing value.

People in this world can be divided broadly into two categories, one includes the people who settle with whatever they have and the remaining are the people who don’t settle but fulfil their dreams and needs one way or the other. The approach for the latter group can be described by the statement that it is either my way or the high way and this is a great optimal attitude as it keeps one motivated to work and achieve all the goals and be able to buy all the luxuries of life. Well, a majority of Indian population lives on a fixed income and couple that with the fixed monthly expenditure, there is always almost a fixed amount of savings left which is really not enough to buy the luxuries and live life to the fullest.

Starcore International Mines Ltd. has a 100% interest in the Ajax Property (“the property”). The property, approximately 1,718 hectares in size, hosts the Ajax Porphyry Molybdenum Deposit. The property is located on the eastern flank of Mount McGuire, 60 km south of Stewart, B.C., 15 km northeast of Alice Arm. Alice Arm, a summer hamlet, is located on the north side of the east arm of Observatory Inlet. Kitsault, a semi-abandoned townsite located on the south side of the arm is on the B.C. Power Grid. There is good road access between Kitsault and Terrace 100 km to the south. In the 1960’s, there was a tote road from Alice Arm to the property that is no longer usable. Access is presently by helicopter. See additional info at gold producer.

We have assembled a strategic blend of experienced professionals and seasoned veterans in fields such as: Corporate Finance, International Law, Engineering and Geology. Collectively, Starcore’s management brings over 100 years of experience to the business of mineral exploration and development. We advocate making business decisions based on constructive dialogue between management and directors and we view dialogue as the key to building long-term sustainable growth for our investors. In addition Starcore’s management is keen on: Developing constructive relationships with both private and public groups to accelerate meeting core business objectives; Focusing on the fundamental aspects of the company to build a strong platform for growth.

Starcore International Mining and El Creston Property development news: The Red Hill West Zone is located immediately adjacent to the western boundary of the Red Hill Zone. The zone refers to a 500 metre wide by 500 metre long zone of quartz vein stockwork, hosted by Creston Granite, in which appreciable, >100 ppm, values of molybdenum occur. The host rock is typically oxidized and variably sericitized. Chip sample results include 3 metres averaging 0.083% Mo and a 12 metre composite averaging 0.043% molybdenum. Copper values are negligible. The zone has not been drilled. Read additional details on starcore.com.

Premium secured credit cards with zero credit checks with eastwoodbank.com? Who can be approved? Even though secured credit cards are available to people with bad credit, and even though the security deposit reduces the risk to the issuer, approval is not guaranteed for everyone: The issuer will usually (but not always) check your credit report for signs that you’re an unacceptable credit risk. If you’re in the middle of a bankruptcy, for example, or you’re currently delinquent on other accounts, or you’ve opened a bunch of new accounts recently, you’re unlikely to be approved. You’ll also have to show that you have income so you can pay your credit card bill. Yes, the issuer has your deposit, but it will use that money to cover your bill only as a last resort. You’re expected to pay your bill every month, so you’ll need income.

OpenSky Secured Visa Credit Card: Details and benefits: The two reasons you may want to apply for the OpenSky Secured Visa Credit Card is if you don’t own a checking account, but still want access to a credit card, or if you’re looking for a secured card with a decent annual percentage rate. For everyone else, the $35 annual fee should make this card a non-starter. That being said, OpenSky Secured Visa can help you build or rebuild your credit, as the issuer, Capital Bank, reports your monthly payments to the three major credit bureaus — Equifax, Experian and TransUnion.

Although the issuer will check your credit when you apply for the First Progress Platinum Elite Mastercard® Secured Credit Card, it’s not a “hard” credit inquiry, so it doesn’t affect your credit score. That can be a benefit when every point counts. Although it’s always best to pay your credit card in full each month, especially when you’re trying to build credit, the low interest rate on the First Progress Platinum Prestige Mastercard® Secured Credit Card takes a much smaller bite when you do carry a balance. The downside: A substantial annual fee.

The Capital One Secured card is Investopedia’s choice for Best Secured Card due to its low fees and security deposit flexibility, allowing customers to send in their account deposits in installments rather than having to make it all at once. Capital One also offers automatic credit line increase reviews after as little as six months of responsible card use. No annual fee makes this a good entry level card for those needing to build their credit.

If you are unable to obtain a standard credit card, or just don’t want your credit score to endure any additional searches, does that mean you’re cut off from obtaining a credit card? The answer is no. Though it’s a little more complicated than a standard application; what you need is a secured credit card. What Is The Difference Between A Standard and a Secured Credit Card? Secured cards are secured for the lender. They will provide you with a credit card, and a credit limit, which you can use as normal. However, they hold your deposit as a security against any balance you accumulate. See more info at Secured Cards.

Mining industry comprehensive search engine Prospector aquired by Analog Gold Inc.? “The goal is to attract new sources of capital to the mining industry and to increase metal supply required for the renewable energy/electric vehicle economy of the future,” said King. “We want Prospector’s AI to open the door to millennials investing in mining and optimize deal flow for traditional investors.” With the support of machine learning, Prospector synthesizes publicly available but dense technical data on mining projects and then presents results in a highly intuitive, searchable, and organized interface. The tool will help investors quickly find and fund mining assets, saving time and money, as well as preventing them from overlooking prime opportunities.

Prospector, a leader among the new guard of mining, today announced a collaboration with TMX Datalinx, TMX Group’s information services division, to offer a subscription-based platform to Canadian mining data. This platform will provide investors and the mining industry access to Canadian mining data including those mining companies traded on Toronto Stock Exchange (TSX) and TSX Venture Exchange (TSXV) — both owned and operated by TMX Group. Through this agreement, Prospector’s platform will be synchronized daily with new technical reports and subscribers will have access to historical data.

“TMX Datalinx is excited to be the source of Canadian mining data for Prospector’s new AI-driven platform,” said Sarah Ryerson, President, Datalinx, TMX Group. “TMX Datalinx is the premier source of market data in Canada. By providing Prospector with data to power their new AI-driven platform, users will have the ability to find and compare mining investments.”

A key feature of Prospector is the automated search and analysis of technical information found in NI 43–101 reports, a national instrument for the Standards of Disclosure for Mineral Projects within Canada that are required of mineral exploration and mining companies listed on both the Toronto Stock Exchange (TSX) and Toronto Venture Exchange (TSX-V). Disclosures covered by the 43–101 code include mineral exploration progress, reporting of resources and reserves, and more. NI 43–101 reports average 500 pages long and can reach 1000 pages, making investment analysis extremely cumbersome and time-sensitive.

Founded by global mining expert Emily King, Prospector is a platform designed to improve the accessibility of mining investments. Powered by Artificial Intelligence, Prospector uses AI to offer unprecedented access to mining investment data. Find extra details at Prospector.

“We can’t transition to a low-carbon, high-tech economy without mining the copper, gold, and rare earths needed to make solar panels, lithium-ion batteries, wind turbines, and electric cars,” said King. “We want to get millennials and tech and green energy investors to support the new economy by investing in the mines we need to make that new economy a reality.” C. David Seuss, CEO of Northern Light, said, “Emily King brings a deep understanding of the mining industry and investor needs and clearly articulates investor frustration with the existing tools available for analyzing mining investment offerings. With her understanding of the use case and Northern Light’s understanding of search and machine learning technology, we have collaborated to produce the definitive solution for mining investment research.”

Income tax tips by top firms? That might not seem like an advantage, but it is. Any income earned on the money in your Roth IRA is also tax free. You can even roll over the money in a traditional IRA or a 401(k) into a Roth IRA and reap the same benefits. Some of the best times to do a Roth IRA conversion are when you’ve had a year with less income than the previous year, or when you’ve retired and are temporarily in a lower tax bracket. This strategy makes sense if you can wait until the age of 70 ½ to make mandatory withdrawals. We like to suggestion this option to our clients because it’s easy to overlook, especially when people are focused on tax deductions as a way of reducing their taxable income.

You can also split your refund among the direct deposit choices by completing Form 8888.18? You’ll need to let your tax preparer know what you want to do, so that can be indicated on your return. If you use the same preparer that you used last year, they are likely to have your previous information. If you use a new preparer, last year’s return can serve as a reminder to the preparer—and you—of some items you don’t want to overlook. Here are two examples: Interest and dividends. Last year’s return should indicate which banks, mutual funds, or other financial institutions sent you 1099 forms. Use that list to make sure you received 1099s from them again this year (unless you closed those accounts or sold the investments in the meantime).

Avoid Taxes on an RMD with a Charitable Donation: Seniors who have a traditional 401(k) or IRA must take a required minimum distribution each year once they reach age 70 1/2. Those who don’t need this money for living expenses may want to consider having it sent directly to a charity as a qualified charitable distribution. “It’s basically a check issued from the IRA and made out to the charity,” Zollars says. This prevents the money from becoming taxable income and could help reduce the amount of Social Security retirement benefits that are deemed taxable, too.

Bonus depreciation is an extra benefit for buying assets. The TCJA also increased this tax break from 50% to 100% of cost for assets placed in service from September 27, 2017 through January 1, 2023. Talk to your tax preparer if you’ve purchased any major assets to find out if you qualify. You can deduct up to $25 per person of the cost of gifts given to customers and vendors. An exception exists for those that bear your business name, are distributed as a matter of course, and cost less than $4. Deducting the costs of entertainment is a bit trickier if you show your appreciation by paying for a good time. These costs are no longer deductible unless the event is directly related to your business in some way. Read even more information at https://greentree.tax/.

Give Options. If a customer is having trouble paying off debt, it might be possible for him to make payments over time. Try to work out a plan that will work for both the customer and your client. The goal is to get the customer to pay the entire debt as quickly as possible. Listen carefully and offer options until something workable is defined. Recap the Terms. Once a payment plan has been agreed to, verbally summarize the plan for the debtor. This summary should include specifics of when the debtor will send each payment, and what form of payment will be used. Then document it in writing via email, fax or letter. Ask the debtor to call or e-mail you once a payment has been sent.

“Flip houses and make big bucks” scream the headlines. The premise is simple – buy real estate with little down, fix it up, and sell it quickly. What could be easier? Well, easy or not, one thing the promoters rarely tell you is that you’ll pay taxes on any profit you make if you are selling investment property and not the home you live in (your principal residence). If you flip houses or things like furniture for a profit, here are some tax implications and tips about your taxes, and possibly how to lower them. Find extra info on Houston tax preparation.

Say “NO” to merchant processing fees with Bizzash? How does Bizzash.cash work? When a credit or debit card is presented for payment, the program adds a service fee (fixed or %) to the transaction. The merchant must advise the client that they do not have to pay the fee if they choose to pay by cash, check, money order or gift card… How to explain “Cash Discount” to your Customers. A “Surcharge” occurs when a merchant increases the price to cover the cost of credit/debit card purchases. A “Cash Discount” occurs when a merchant decreases the price for purchases made using alternative payment types, i.e. cash, checks, money orders & gift-cards.

Finding the right bankcard solution is imperative to your business success. Bizzash.cash IS the Right Processing Solution. To this end, we understand that there is no “one-size-fits-all” solution to managing your business…nor should there be for your processing needs. Not only will we assist you in securing the right processing services…we will customize your program to fit your specific business needs. $370 Million in Funding is currently available via our processing platform. For businesses that meet the eligibility requirements these funds can be a lifesaver…keeping businesses afloat during these difficult times.

You can maximize your value by choosing a full-service provider who can offer you expertise and match you with the solutions that are right for your business. Jeff Vandeventer, a VP merchant sales manager at Umpqua Bank, explains, “An experienced sales consultant should be able to suggest products and services that can save time, lower unnecessary processing costs, increase security, or improve customer loyalty.” No matter what type of business you own, a full-service provider of merchant services can help you choose the perfect payment tools for today’s challenges-and tomorrow’s opportunities.

Bizzash Business Solutions, LLC has over 30 years of business success. Our Founding Members are pioneers in the merchant services and business financing industries. During this time we’ve provided specialized financial products and services to thousands of businesses nationwide. At Bizzash Business Solutions, we understand that one-size does not fit all. Therefore we work with our clients to understand their specific business needs/goals and help them secure the best solutions for their business success. To this end, we’ve built a robust network of strategic partnerships. with some of the industry’s most prestigious and reliable service providers.

Below are some types of common senior discounts. Take a closer look at this list. If you use these services, be sure to ask your favorite businesses about available discounts. Many times, this is a simple way to save a significant amount of money. You just need to ask for the savings. Big Lots: Some locations offer discount savings cards. Some locations offer up to 10 percent off through their discount programs. Goodwill: Perhaps one of the best known locations for savings. Seniors can get between 10 and 20 percent off one day each week. Locations set the dates that work for their needs. Bealls Outlet: Seniors get 15 percent off every Tuesday. Target: Limited access to senior discounts is available at Target. However, some locations may offer discounts on specific days for various events. Marshall’s: Marshall’s provides seniors with limited discounts. Special offers may be available at some locations. Kmart: A limited number of stores still offer the senior discount of 40 percent off on Wednesdays for seniors over 50.

It is not easy to read a customer’s mind or the unique needs of one’s customers, however, it is important to anticipate their requirements. In targeting cross-border customers, it is important to understand that some may not be familiar with the online payment system integrated on the shopping sites they venture. To them, shopping on foreign sites can be arduous especially when it does not tally with their local payment methods. As a result, many customers abandon their shopping carts when the payment methods they prefer to use are notably absent on the website.

Profiting Your Business at the… Speed of $wipe! Bizzash.cash is powered by Paylo; a legally vetted Cash Discount Program. Bizzash.cash will eliminate up to 100% of YOUR processing expenses! Our custom system and software combination provides you with a legally patented 100% Compliant – “Cash Discount” Solution. The program works similar to a gas station; where customers pay more per gallon when paying with a debit/credit card than paying with cash. Find even more information at Bizzash Business Solutions, LLC.