Archive for the ‘Home Page’ Category

Sunday, October 12th, 2014

Many people choose to shop online because of the convenience and cost factor. And they do so because they like the idea of a low-cost retailer that makes buying online easy for their customers.

However, online shopping is not always cheaper than brick and mortar. As a retailer, you should pay attention to the price and size of your online inventory. This will determine how much you’ll earn and how much you’ll spend in the future.

Let’s look at some examples of how you can earn more when buying online.

What makes Amazon so valuable to brick-and-mortar businesses is that it offers a free shipping guarantee, which can be one of the most profitable sales drivers. When you order a large product online from Amazon, you can take advantage of Amazon’s Free Two-Day Shipping. With this option, you can usually expect your product to arrive in two business days, or sometimes even sooner if your order is a special, one-time only offer.

Amazon Prime members are entitled to a $99 annual membership that includes free two-day shipping on over 6 million items, so it’s worth signing up.

Amazon also offers a Free Two-Day Shipping option in Canada and the United States plus it offers furthers discounts and coupon codes that can be found online (you could look here for more info). But it’s not always available at the same time as Prime shipping, so if you’re ordering a larger item like a TV set, you may need to choose between the two options.

Discover Great Deals by Shopping Online – Lokki Shop

How much do you save by buying from Amazon instead of from a traditional retailer? That depends on what you need the device for. If you need to replace a busted, scratched, cracked, or cracked screen, your bill is almost guaranteed to go up. So unless you’re in a hurry or just don’t want to shell out for a new screen, you can’t afford to purchase a broken, scratched, cracked, or cracked screen device directly from Amazon. Instead, you’ll want to find a local repair shop or a site like iFixIt that can repair, or even replace, the busted screen of your iPhone. The problem with these repairs, of course, is that it may or may not be a hassle to replace the phone, so you may not want to wait too long to make the upgrade.

Employers 401(k)

Tuesday, June 12th, 2012

Employers 401(k) is one of the most common ways for beginners to start investing for retirement, often as an addition to a 401(k) or a solo 401(k). Employer retirement accounts are a great way to avoid high fees, low-return investment options, and the burden of managing their own investments (especially when the employer offers no or low-interest loans), visit to get further details. A 401(k) is just the beginning. If you plan to have more than one employer-sponsored account, you will likely want to consider Roth or Roth conversion options.

Start Your 401k with a 401(k) Planner

When starting a 401(k) plan, it helps to do a little homework first. This will help you find the best fit for your savings goals, which can be especially helpful when you’re working in a high-risk industry. Your plan advisor can help you understand your 401(k) requirements, help you choose a plan that best suits your needs, and provide an excellent service when you call in to inquire about the process.


A significant percentage of your funds from a 401(k) will likely go to tax purposes. How much depends on how much you contribute, the tax laws you choose, your 401(k) plan and if any special rules apply. As of 2017, you pay a 15.3% tax on all of your income. In addition, you’ll pay 5.6% when your funds are withdrawn from your 401(k). Withdrawals made after you turn 62 are considered long-term and taxed at your regular tax rate, up to 37% (there are state and local taxes added to the total). Learn more about the IRS Tax Guide and your particular circumstances to help you determine your taxes. We’ll help you decide whether you should contribute to a 401(k) that has a match. If your 401(k) match is not provided, the match amounts will be deducted from your contributions. Learn more about the Match in the Employee Manual and our advice for 401(k) members who do not have a 401(k) match.

Taxation of 401(k) contributions. Contributions to a 401(k) that are eligible for an employer match are considered taxable earnings if you withdraw the funds before you turn 62. The maximum tax-free withdrawal from a 401(k) account after you turn 62 is $18,500. However, this amount is adjusted each year to account for inflation. Learn more about the matching contributions that are tax-free and are subject to the same tax rate as regular contributions. Learn more about tax treatment of 401(k) contributions, including the new 10% early withdrawal penalty and the 10% additional tax.