No matter how easy working out at home looks it is not so simple. The motivation to get up early in the morning before work and start workout is very important. It is true that many of us swear to work out regularly and then end up exercising just once a week. A personal trainer provides support and motivation to carry on with the regular workout regime. In addition to this, hiring a personal trainer not only motivates you but also guides you in...more
Health and fitness are at the forefront in todays society, which means the demand for fitness professionals is on a rise.Opportunities and avenues for better income as a fitness instructor have never been better before. You can enhance your passion for healthy living with practical training and live sessions from highly experienced fitness professionals. As your skills develop and you gain experience, new doors of opportunity will open. Each day...more
The question of who is responsible for employee benefits, the staffing agency that places them, or the company that temporarily employs them, can often cause uncertainty and confusion. Agency employees placed through staffing or payrolled companies began adopting specific, and often unnecessary, policies to avoid employee benefits liability.Staffing firm customers increasingly began to adopt policies that would limit the length of assignments for staffing firm and payrolled employees in order to avoid retro-benefits claims and employee liability. But many of these policies were likely misguided by the erroneous belief that employees are automatically entitled to company benefits, or to being hired by the customer, after working a certain length of time.Companies using staffing firms and payrolling services should revisit their own policies to ensure that the imposed limits are truly necessary and not based on a common legal misperception. There are basic principles of law that apply to employee benefit plans, and ways that customers can effectively avoid retro-benefits exposure.The principal law regulating employee benefits is the federal Employee Retirement Income Security Act...more
Reading a life insurance policy does not top most peoples list of must reads. However, it is important to familiarize oneself with the various provisions of the policy before it is time to file for benefits. There are several basic sections with which policyholders should familiarize themselves.1.The Cover Page The cover page identifies the carrier...more
Tax planning is one of the important aspects of financial planning. Not only does it help in reducing your tax liability but through this you also ensure yourself a secure future as you are forced to save that chunk of money through one way or the other.Therefore, while you plan your investments, tax planning should be an important aspect to...more
Life insurance plan not only provides a risk cover or death benefit in case the life assured dies within the term plan, it also provides income tax benefit through tax deduction and tax exemption. Although investment based life insurance policies are also subjected to various tax reliefs. So, prudent people choose a life insurance plan to ensure a dual advantage "" tax saving as well as life cover. In tax deduction, amount allotted under this category can be deducted from total income of an individual "" thus, the income tax reduces in similar proportions. In tax exemption, the amount allotted under the category is not kept under the purview of income tax. While filing income tax return, a tax payer must specify his investments, say life insurance policies or health cover plans to ensure he gets the due tax benefit. Life insurance is a key player in helping individuals to reduce tax and plan the amount of tax needed to be filed. Let us check how it can be done. Reducing Income Tax through Tax Deduction There are various sections under Income Tax Act that are applicable for life insurance investments. For instance:"Premiums up to Rs one lakh per year for life insurance plans are...more
Life insurance policies are one of the most popular tools used by a vast majority of Indians for insurance purposes. An unexpected tragedy can happen in anyones life and life insurance policies are one of the best tools to lessen the financial burden...more
Negativity at some point bother all of us in life. There isnt a human being in this earth who have not experienced the onslaught of negative thoughts in our lives. But is negativity good? Have you heard a person who has succeeded in life with...more
Automobiles are a useful ownership and their value is just undeniable. Obtaining a car is just not an important issue, but also its servicing and overall look. After all, you have invested a lot of money on it and you will want to keep it in its best...more
Nearby to my home lives a homeless woman. We sometimes call her the pigeon lady. She doesnt look like a pigeon though. Its more to do with the groups of pigeons always around her I guess she likes their company. Her real name is Juliette.She had a...more
The African continent is unlike any other thanks to its wide expansive areas dotted with forests, national parks and reserves filled with a myriad of wildlife that no other continent experiences. In fact, Africa is the only continent that is capable...more
Alcoholism is one of the major dilemmas the country is facing right now. Here and there, we always hear cases of alcoholic people getting arrested for drinking and driving and other crimes associated with alcohol abuse. With all that we hear about...more