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Statistics show that more than one million people in the United States start a new business each year. That number would be much higher if all the would-be entrepreneurs had the financing required to get a business up and running. In order to accomplish their dream of business ownership, entrepreneurs are finding new and innovative ways to finance their new ventures.

According to Leonard Fischer, PresidentCEO of BeneTrends, one of these new financing options is the use of a person's existing retirement funds-a pension, profit sharing Wholesale Jarrad Davis Jersey , 401(k), IRA-which allows that person to start the business he or she has always dreamed of without tax penalties, consequences or mountains of debt.

Under the Employment Retirement Income Security Act (ERISA), retirement funds can be transferred into usable capital for business investments or operations. If a person has more than $40,000 in a retirement account and is not currently employed by the company that holds those funds Wholesale Marvin Jones Jr Jersey , he or she qualifies for this Small Business Administration (SBA)-recognized financing approach to start a business.

Retirement funds can be used for any business purpose, including:

• Purchasing a franchise or existing business

• Start-up expenses, such as purchasing property, equipment, etc.

• Working capital Wholesale Golden Tate III Jersey , including paying salaries, franchise fees, etc.

• Business expansion, such as funding additional franchises, locations Wholesale Darius Slay Jr Jersey , etc.

• Equity toward SBA or other loans.

The thought of dipping into one's retirement can cause some apprehension. Through this investment strategy an individual actually has more control over hisher retirement-instead of gaining minimal growth dependent on the stock market, those savings are actually being invested in one's own business. This approach often allows an individual to set aside more money for retirement than ever before.

"Today's entrepreneur faces an environment of tremendous competition, complexity and opportunity, so starting a business the right way is more important than ever," says Dr. Germain Boer Wholesale Matthew Stafford Jersey , Director of Vanderbilt University's Center for Entrepreneurship. "This financing method is a good option for an individual who has accumulated funds in hisher retirement accounts."

The entire process generally takes two to four weeks to be completed, and can be done by phone, email, fax, FedEx and regular mail.

Working with an experienced employee benefits plan expert Wholesale Ziggy Ansah Jersey , starting a business is as simple as these four steps:

Step 1: Establish a C-corporation.

Step 2: The new corporation creates a retirement plan.

Step 3: Funds are rolled over into the corporation's new retirement plan.

Step 4: The new retirement plan purchases the stock of the corporation.

"So many people have watched their dream of owning their own business go out the window due to lack of funding options. We help people achieve that dream every day using money they already have," says Fischer.

If you're ready to explore this innovative financing option, be sure to consult an expert to guide you through the specialized process.

Looking after the welfare of children is a very important job. The role of caregivers in the present and future health of kids is actually understated from time to time. In some respects a nanny acts as a type of parental insurance. If for whatever reason the true parents of a child can't be in touch, the nannies step in to be that adult contact. But would most people be willing to take a nanny job?

Naturally it requires a very special sort of person to even consider the work of a nanny as a profession. Parents sometimes need help with kids because they are difficult to take good care of. But although landing and remaining happy in these jobs isn't always the easiest thing to do, this can be a very rewarding vocation. Here is some advice on finding a job.

As has already been stated Wholesale Da'Shawn Hand Jersey , parents may choose to hire a nanny for several specific reasons. Some may be reluctant to use daycare or may have work restrictions that prevent them from taking care of children alone. Whatever the background, the reason boils down to needing an extra pair of hands around the house. In order to maintain their own goals and provide for their families, families may choose to enlist the help of a nanny. There are usually no set qualifications for being a nanny, but there are a few things to know.

A good nanny is organized and knows how to use time well. He or she needs the ability to multi task, prepare meals Wholesale Tracy Walker Jersey , and have a genuine love of children. Before enlisting, consider having current CPR and emergency first aid qualification as you never know what might happen. Criminal background checks may also be required before you can start working. For both experienced and inexperienced alike however, the question is primarily one of how to get work.

For finding work, online resources are invaluable. Families looking for full-time babysitters and nannies will often use advertisement sites. In Canada the popular ones would be craigslist or kijiji. For the United States, sites like craigslist are worth a crawl. Like most jobs of course it takes work to sift through everything to the viable opportunities. When applying for these however Wholesale Kerryon Johnson Jersey , remember that with nannying a good resume preparation and well-chosen references are key. Employers will place a greater emphasis on character and references than in other jobs so it is important to make sure that you can trust your listed references.

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