It wasn’t supposed to happen this way. I never meant to be a poster child for an independent single woman—but 20 years after my divorce– I’m still single at 62.Even after two failed marriages, I’ve never been a male-basher. Oh, I admit I did fantasize a few scenes taken out of a Godfather movie where I had both my ex-husbands against a wall and was ready, willing and able to do bodily damage. But other than that, I’ve pretty much forgiven both of them for being jerks.I still have this fairy-tale hope that someday I will meet a man who is kind, spiritual, supportive, financially solid, and romantic as well as a good friend. You know–the usual list. Perhaps tomorrow my prince will come. Meantime, I had to survive on my own. It hasn’t always been easy—but I’ve learned a lot—because I had to.Soon after my divorce, I had to overcome some basic maintenance challenges. Not being talented with a hammer or a screwdriver, I was proud when I learned how to put up a picture, unplug a toilet, paint a room and change the batteries in my smoke alarms.But for the more major life […]
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If you are disabled and unable to work, several disability insurance and benefit programs are available to help you pay the bills, return to work or both.
Knowing the available disability programs before you need them is an advantage to reap the benefits right away. For instance, disability benefits might commence on the date you file your claim, not on the date your disability began. Further, waiting period may be taken into consideration before disability benefits begin.
Employer Disability Insurance Benefits
Many employers offer disability insurance benefits to attract and retain employees in addition to health care, dental and life insurance benefits. Usually, these employers provide both short-term and long-term disability insurance benefits.
These benefits may be given in various ways such as:
0 Paying 100 % of disability insurance premiums and providing benefits to all qualified employees
0 Offering disability insurance benefits at discounted group rates and giving eligible employees the option to choose coverage.
0 Offering short-term disability insurance free and giving entitled employees the option to elect long-term disability insurance at discounted group rates.
State Disability Insurance Benefits
A few states including California offer disability insurance benefit programs. If you do not have private or employer-provided disability insurance benefits, you might be covered by your […]
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Company formation offshore companies is not as difficult as you may think.
A company is any entity engaging in business, such as a proprietorship, partnership, or a corporation.
Offshore is a term that means outside of your own jurisdiction, not necessarily across a body of water. So a registration offshore company means merely the formation of a company in a tax haven jurisdiction.
Offshore business incorporation is sought merely to reap maximum tax or trade benefits for the business and avoid extravagant legislation which decrease the business’ profitability and negatively impacts its financial position.
There are several reasons in favor of deciding on an offshore business incorporation. Some of these benefits for company formation offshore companies are briefly explained in the coming paragraphs.
1. Less taxation rates in offshore destinations:
Less taxes save your hard earned income and increases the profitability of your company ensuring that you reap maximum benefits from your undertaking. Of course, in exchange you are not entitled to the social services an efficient country may provide in terms of free health care or retirement benefits.
2. Operational ease is enjoyed by offshore companies:
Company formation offshore companies are sometimes preferred because the laws governing their operations are simple when compared to those of onshore […]
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