EBIA Allows Public Access to Employee Benefits Tax Savings Calculator
Seattle, WA (ContentDesk) July 23, 2004 -- Employee Benefits Institute of America Inc. (EBIA).
EBIA is now allowing free access to their powerful tax savings calculator.
This calculator shows employees how much money they will save in federal taxes by making pre-tax contributions to their benefit plans. And for employees with dependent care expenses, the calculator also shows the relative tax benefits from participating in an employer-sponsored dependent care assistance plan (DCAP) versus claiming the dependent care tax credit (DCTC).Hundreds of attorney and programmer hours were spent developing EBIA's comprehensive, easy-to-use calculator that takes into account several factors often overlooked.
To try out the calculator, simply visit: http://www.ebia.com/publications/calculator.html "You'd be hard-pressed to find a better benefits tax savings calculator," says Thomas McCormick, EBIA founder and chairman.Among various factors, EBIA's calculator accounts for:* Filing status, exemptions, standard deduction vs. itemized* Employee's wages, spouse's wages, other income and adjustments, and spouse's deemed income credit for DCAP/DCTC purposes* Eligibility for the earned income credit (EIC), including how some employees can increase their earned income credit by making salary reductions* The differing impact on FICA savings produced by salary reductions versus 401(k) or 403(b) salary deferrals* The number of qualifying dependents for DCAP/DCTC purposes, and the number of qualifying children for child tax credit (CTC) and EIC purposes* How salary reductions can delay the point where the CTC and exemptions corridors kick in for higher-income taxpayersThousands of professionals rely on EBIA publications and seminars on Cafeteria Plans, 401(k) Plans, COBRA, HIPAA, ERISA, Group Health Plan Mandates, and Consumer-Driven Health Care & Fringe Benefits.For more information about the tax savings calculator, visit EBIA online at www.ebia.com or call (206) 546-6810..
Commercial Mortgage Lending
Business owners looking for office space, factories or stores to expand their business can go for commercial mortgage lending companies to realize their plan. Only commercial mortgage lending companies will help them purchase commercial property. However, the commercial mortgage lending plans are available with different interest rates, terms and amounts. As a business owner, you have to be careful while opting for a particular commercial mortgage lending service. Buying commercial property has become a craze among the business owners.
After purchasing commercial property in a good location, they lease out the additional space. Thus they recover advertising or equipment expenses.
However, some business owners don't want to go for commercial mortgage lending. To avail oneself of commercial mortgage lending, one has to declare his or her financial information. Qualifying for a commercial mortgage is also quite difficult. But if you remain watchful during the selection...
Mortgage calculator > Commercial Mortgage Lending
A Guide To California Home Mortgage Loans
Mortgage has become one of the most important elements in modern day living and a key concept that might help one to fetch the amount of money one needs to fulfill his or her dream. However, the very term "mortgage" has been derived from a French word - from the arena of the law - literally meaning "dead page".
Nonetheless, a mortgage is a device used to create a lien on real estate by contract. It is very efficiently used in creation of a lien on a contract basis. The mortgage as a lien is usually created on a piece of real state - a house, for instance. It is more than often used deliberately as a method by which individuals or businesses can buy residential or commercial property without paying the full value up front.
The borrower - the person concerned for taking the real estate by paying a part of the total money on a contract basis - is often called the mortgager. The borrower or the mortgager then uses a mortgage to pledge real property to the lender, who...
A Guide To California Home Mortgage Loans
Mortgage calculator > A Guide To California Home Mortgage Loans
Why You Should Use a Mortgage Calculator to Understand the Mortgage Amortization Process
Mortgage amortization is often a mystery to the consumer. After all, they oftentimes watch as loan officers whip out their calculators and spill out complicated numbers in record time.But most consumers, unless they work in an industry related to the home buying and mortgage lending process, do not understand how loans are amortized. That's okay?as a consumer it's really not necessary for you to fully understand the amortization process and how your monthly mortgage payments are determined.However, it is important, if you are seeking a home mortgage loan or if you already hold one, to have a general understanding of mortgage amortization and how to figure monthly payments. In short, by having a general comprehension of mortgage amortization, you will be a more informed mortgage consumer.What Does It Do? When a mortgage loan is amortized, the amortization schedule is what will calculate the amount of your monthly mortgage payment. A normal, or standard, mortgage amortization will allow...
Why You Should Use a Mortgage Calculator to Understand the Mortgage Amortization Process
Mortgage calculator > Why You Should Use a Mortgage Calculator to Understand the Mortgage Amortization Process
A Different Kind Of Mortgage Broker
There's a different kind of mortgage broker on the block and they're giving conventional mortgage brokers a run for their money. With today's current economy, consumers have to be as budget conscious as ever, and it's showing in every consumer decision they make - including shopping for a mortgage. Gone are the days where the consumer waits with baited breath as to whether or not the corner mortgage broker can find financing for the home they want to buy. Say hello to today's new mortgage seeker; the one who has lenders competing for their business, makes educated lending choices and is making upfront mortgage brokers more popular than ever. So what is an upfront mortgage broker? The main difference between an upfront mortgage broker and a conventional mortgage broker is that an upfront mortgage broker discloses their fees to the borrower up front and in writing.
The borrower will pay the broker a fee in addition to paying the wholesale loan price. With conventional mortgage brokers,...
A Different Kind Of Mortgage Broker
Mortgage calculator > A Different Kind Of Mortgage Broker