text:
Jordan Henderson says he will remain "forever in debt" to England goalkeeper Jordan Pickford for his heroics in the last 16 penalty shootout win over Colombia.
Pickford, who is 6 feet 1 inch (185 centimetres) tall, had been criticised for failing to save Adnan Januzaj's victor when Belgium beat England 1-0 last Thursday top Group G.
Pickford then saved from Carlos Bacca to secure a 4-3 win and send the Three Lions into a quarter-final clash with Sweden. I got criticised about using the top hand but I don't think I'll be getting criticised about it now.
"I don't care if I'm not the biggest keeper, I've got that power and agility and I'm very good at penalties".
Girlfriend Megan is out in Russian Federation to support Pickford, and last night posted two pictures of herself on Instagram, one before and one after the penalty shootout.
Jordan, Russia to Hold Talks as Syria Fighting Displaces 270,000
Eight towns fell to regime control on Saturday and another five on Sunday, including the key town of Bosra al-Sham. But on July 2, the civilian part of the opposition's delegation withdraws from the talks .
"I've never really been in a situation like that before but felt I had to score after missing the header at the end, so I'm just thankful I scored", said Dier on ITV after the game.
He deserves all the credit because he's the one who's helped me prepare for penalties.
Note that England won the penalty shoot-out in its history at the world Championships. He played 46 games in all competitions last season and has now established himself as England's number one.
John Welsh, Greg Cunningham, Jordan Hugill and fellow goalkeeper Mathew Hudson all also congratulated the former 24-year-old.
The Tottenham man struggled to make an impact during the group stages but now goes down as the first Englishman to convert a winning penalty - the solitary previous success having been settled by a David Seaman save against Spain in 1996. On my social media profiles I read a lot of positive comments about Southgate and the work he's doing with all the younger players and the tactics and mental preparation he is developing. "Ideally, we don't want to be going to a penalty shootout but we are delighted for the fans and the whole country".


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COLLECTED WISDOM™ on Compliance and Regulatory Related Issues
This page gathers relevant information for 401k plan managers, sponsors, administrators, recordkeepers and others with plan fiduciary and administrative responsibilities. It covers many aspects of compliance and regulatory related issues.
This archive contains not only the most current material on the topic, but also older items that are still relevant, provide background, perspective or are germane to the topic.
If you find a broken link or an items that you feel is outdate, irrelevant or no longer appropriate, please let us know.
The Right Way to Manage Taxed Uncashed Retirement Checks
Abstract: If you think uncashed pension checks are a hassle to manage, it gets more difficult if the taxes have been taken out at distribution. There is a practical solution discussed in this article authored by PenChecks Trust President and CEO Peter Preovolos.
Source: Penchecks.com, August 2018
IRS Issues 2018 Version of Form 1099-R for Retirement Plan Distributions
Abstract: Retirement plan administrators (including administrators of 401k plans) are required to report plan distributions on Form 1099-R, which they file with the IRS and deliver to the plan participant or beneficiary. While the 2018 form and instructions largely mirror the 2017 version, there are a few changes.
Source: Thomsonreuters.com, August 2018
What Every Advisor and Plan Sponsor Should Consider When It Comes to 404(c) Compliance
Abstract: One of the keys to good fiduciary practices is understanding that nothing can ever be put on autopilot. In order to receive the benefits of ERISA Section 404(c), plan fiduciaries must comply with certain requirements. This article's recommendations will help advisors and plan sponsors evaluate their efforts.
Source: Vestwell.com, August 2018
Funding 401k Corrective Contributions With Forfeitures
Abstract: The IRS has issued final regulations allowing forfeitures under a 401k plan to be used to fund corrective contributions. IRS rules require forfeitures under a plan to be used as soon as possible to pay administrative expenses, to reduce the employer's contributions or otherwise to be allocated among participants.
Source: Ktserisacorner.com, August 2018
Partial Termination of Your Qualified Retirement Plan: Don't Let It Sneak Up on You
Abstract: What some plan sponsors may not be aware of is that it is possible for a plan to experience a "partial termination" even if the plan sponsor did not intentionally initiate a termination. Because this can occur over time, partial terminations frequently sneak up on plan sponsors. The fact that a partial termination may be discovered long after it occurs can complicate taking necessary measures and require correction to maintain the plan's tax qualified status.
Source: Boutwellfay.com, August 2018
401k Participant Disclosures - What Employers Need to Know
Abstract: 401k plan sponsors have a fiduciary responsibility to distribute certain information to plan participants from time to time. These important participant disclosures can also be many and spread throughout the year, which can make their distribution seem like an overwhelming fiduciary responsibility. This is a description of the various participant disclosures that can apply to a participant-directed 401k plan with guidelines for their distribution.
Source: Employeefiduciary.com, July 2018
You Improperly Excluded an Employee From Your 401k Plan -- Now What?
Abstract: One error that can arise during the life of a 401k retirement plan is for an employee to be improperly excluded from making elective deferrals for a period. If you are an employer that has found this mistake, what are the necessary questions to ask and steps to take to get your plan back in compliance? This article is the first of several in a series that goes through several examples.
Source: Graydon.law, July 2018
IRS Blesses Use of Forfeitures for QNEC/QMAC/Safe Harbor Contributions
Abstract: The IRS has finalized regulations that allow employers to use forfeitures as qualified nonelective and qualified matching contributions to help pass nondiscrimination tests and as safe harbor contributions. The change is effective for plan years beginning on or after July 20, but, as previously offered in IRS' proposed regulation, can be relied on for earlier periods.
Source: Conduent.com, July 2018
IRS Issues Final Regulations Approving Forfeitures to Fund QNECs, QMACs
Abstract: The IRS and Department of the Treasury have issued final regulations amending the definitions of qualified nonelective contribution and qualified matching contribution, settling the issue of whether participant forfeitures can be used to fund QNECs and QMACs.
Source: Ascensus.com, July 2018
Hardship Distribution Cannot Be Taken for Repayment of Student Loans
Abstract: In Information Letter 2018-1, the IRS responded to a U.S. Congressman who asked why his constituent could not take a hardship distribution from his 401k plan to pay off his daughter's college student loans. The IRS explained that a hardship distribution must, among other things, be necessary to satisfy an immediate and heavy financial need. The IRS confirmed in the Letter that because a safe harbor hardship distribution may be made only for the prospective payment of education expenses, it cannot be made for the repayment of student loans.
Source: Drinkerbiddle.com, July 2018
Changes to DOL Late Deferral Remittance Enforcement Procedure
Abstract: This article is intended to share a recent change to the DOL's enforcement procedures regarding the late remittance of participant elective deferrals by plan sponsors. Unfortunately, the DOL appears to have adopted a more aggressive and threatening approach about plan sponsors who attempt to correct such failures without pursuing "pristine" correction under the DOL's Voluntary Fiduciary Correction Program.
Source: Legacyrsllc.com, July 2018
Time for 401k Plan Sponsors to Revisit Your Hardship Withdrawal Provisions
Abstract: The Bipartisan Budget Act of 2018 includes several changes to the rules governing hardship withdrawals from 401k plans. Because the changes apply to plan years beginning after December 31, 2018, plan sponsors should start considering their options now and make decisions regarding which changes, if any, to implement to allow plenty of time to develop and timely distribute participant communications, update procedures and re-program plan administrative systems (including coordination with the plan recordkeeper's systems) and amend their plan documents.
Source: Employeebenefitsupdate.com, July 2018
Stakeholders Propose Ideas for Expanding the Determination Letter Program
Abstract: IRS received comments from trade organizations, law firms, and other stakeholders on what special circumstances beyond initial plan qualification and plan termination should merit a review of plan changes. It remains to be seen whether the IRS will allow determination letter applications for significant design changes, mergers, multiemployer plans, governmental plans, or other circumstances raised in these comments.
Source: Conduent.com, July 2018
What are the "Reasonable" Expenses That Can Be Paid Out From Plan Assets?
Abstract: Under ERISA, retirement plan sponsors have a fiduciary duty that requires them to act solely in the interest of plan participants and beneficiaries. Plan sponsors are also limited to using plan assets for the reasonable expenses of administering the plan. Using plan assets for other plan expenses could be a breach of the sponsor's fiduciary duty and lead to potential fines and costly litigation.
Source: Bsllp.com, July 2018
Frequent 401k Audit Finding Series - Hardship Distributions
Abstract: During a 401k audit, hardship distributions are a common area where failures are discovered. The plan sponsor is often unaware that they were required to gather supporting documentation, and they have approved the distribution without verifying that an immediate need existed.
Source: 5500audit.com, July 2018
IRS Appears Likely to Expand Determination Letter Program in 2019
Abstract: All signs point to the IRS expanding access to the determination letter program for individually designed plans in 2019. This would be a welcome move for employers and other plan sponsors, who have been unable to obtain determination letters with respect to most ongoing plans since the DL program as we knew it ended last year.
Source: Employeebenefitsupdate.com, July 2018
Podcast: Fixing Retirement Plan Overpayments
Abstract: This 8-minute podcast discusses how to fix retirement plan overpayments, based on (1) the type of plan, (2) whether the overpayment was with respect to a lump sum or ongoing payments, (3) the type of overpayment (whether it was to the wrong person or paid at the wrong time), and (4) who caused the overpayment. They discuss the requirements, the decisions involved, and certain ERISA and taxation issues that can arise when addressing these overpayments.
Source: Benefitsbrief.podbean.com, July 2018
Avoid Audit Flags: How to Lower Your Plan's Audit Risk
Abstract: Are only the largest plans audited? The truth is that plans of any size can be audited by the IRS and the DOL. Your plan could be selected for a random audit, or as a result of IRS datasets that target certain types of plans. However, lots of audits are triggered by specific events. Learning to avoid the red flags can help reduce your risk and increase the odds that you will survive any audit for which you are selected without major problems.
Source: Cohenbuckmann.com, June 2018
Beware of These Common ERISA Compliance Errors
Abstract: ERISA is a complex and continually changing federal law that applies to most private sector employee benefit plans. When companies unintentionally run afoul of ERISA regulations it can expose them to fines, penalties, and costly litigation. Understanding these ERISA problem areas can help you avoid making these common compliance mistakes.
Source: Bsllp.com, June 2018
Tips for Establishing and Maintaining Plan Documents
Abstract: ERISA Section 402 says every employee benefit plan must be established and maintained by a written instrument. Plan sponsors have a fiduciary duty to operate in accordance with that plan document, but an ERISA attorney shares common cases when mistakes are made.
Source: Planadviser.com, June 2018
Common Errors and Corrections in Retirement Plan Loans
Abstract: Although retirement plan loans can increase administrative responsibilities, many plan sponsors include them as a plan feature with the idea that offering participant loans can help to encourage a higher participation rate. Despite your best efforts in administering plan loans, mistakes can happen. Knowing what resources are available to fix errors can help.
Source: Fidelity.com, June 2018
Plan Sponsors Need to Give Special Tax Notice Update for 401ks
Abstract: One of the many fiduciary duties of plan sponsors is to provide disclosures to plan participants, including a summary of material modifications, annual reports, and notice of any applicable updates. The Tax Cuts and Job Act went into effect on January 1, 2018. Among the many changes made by the tax plan, the TCJA has changed the time period for making eligible rollover loan offsets for 401ks, which will require a notification for plan participants to understand the changes.
Source: Bsllp.com, June 2018
401k Testing Corrections
Abstract: If the test fails there are two options, one of which is to distribute funds to the Highly Compensated Employees. To correct a failed test using the distribution option includes some extra steps that can be very confusing. This article discusses the process required for correcting an ADP test using the corrective distribution option.
Source: Benefit-Resources.com, June 2018
TCJA's Defaulted Loan Extended Rollover Rules have a Serious Technical and Fiduciary Glitch
Abstract: Effective January 1 of this year was the right of participants to an extended period to rollover their defaulted loan amount, if the default arose following unemployment or the termination of a plan. The statue has a fundamental flaw: it confuses the rules related to the taxation of the loan with the distribution rules related to defaulted loans. The practical effect of this confusion is that it is virtually impossible to effectively use. Making it work requires the acceleration of the reduction of the plan's retirement benefit, which runs counter to the fiduciary obligations under a loan program.
Source: Businessofbenefits.com, June 2018
Plan Sponsors Must Now Analyze 401k Plan Administration
Abstract: Many 401k plans may need plan amendments to either bring them into compliance with TCJA and the Budget Act, offer the distribution opportunities now permitted following this legislation, or comply with regulations implementing these provisions that have yet to be written. The deadline for adopting these amendments may not be until December 31, 2019, or later and some plans may not require amendments at all.
Source: Blr.com, June 2018
Complying With Hardship Withdrawal Rules
Abstract: Recent IRS guidance and legislative changes discussed here show that this is an area where both plan sponsors and participants may still have questions.
Source: Laboremploymentperspectives.com, June 2018
Tax Reform Makes Now a Good Time for a 401k Plan Compensation Definition Audit
Abstract: The Tax Cuts and Jobs Act made several changes to the tax code that eliminated the ability for employers to deduct and employees to exclude from income certain fringe benefits received by the employee. As a result, plan administrators will need to review their 401k plan's definition of compensation and may need to make appropriate changes.
Source: Ktserisacorner.com, June 2018
401k Notices and Updates
Abstract: The Tax Cuts and Jobs Act enacted late in 2017 and the Bipartisan Budget Act enacted in early February this year both made changes to the laws regarding rollovers from retirement plans and when a plan must accept certain rollovers. The tax notices that all qualified retirement plans provide to participants when their employment terminates need to be updated to reflect the changes to these rules.
Source: Winstead.com, June 2018
Form 5500 Update
Abstract: As a plan sponsor or financial advisor, it is paramount that you maintain an open line of communication with your TPA or recordkeeper responsible for preparing this filing to avoid potential penalties and fines from both the IRS and the DOL. To avoid delays in the preparation and filing of the form, here are some things you can do as the plan sponsor to assist your service provider.
Source: Legacyrsllc.com, June 2018
Top Ten Workplace Retirement Plan Administration Mistakes
Abstract: Mistakes are made when running workplace retirement plans. Marcia Wagner, the founder of The Wagner Law Group, brings her over thirty years of experience working on ERISA matters to this podcast and shares her list of the top 10 mistakes she sees retirement plan sponsors make.
Source: 401kfridays.com, June 2018
Tax Reform Requires Plan Sponsors to Update 401k Plan Special Tax Notices
Abstract: In several places in the 2009 IRS model 402(f) special tax notice as modified by Notice 2014-74, references are made to the 60-day rollover requirement and consequences that flow from failing to make a rollover within that time. Because TCJA creates an exception to these consequences, the model special tax notice no longer accurately describes the relevant law and needs to be updated to avoid any inaccuracies or correct any statements that have now become misleading due to the new legislation.
Source: Ktserisacorner.com, May 2018
Have You Checked Your Plan's Definition of Compensation Lately?
Abstract: If it has been awhile since you have compared your payroll files to the definition of compensation in your plan document, it's recommended that you do an internal audit of payroll now. Don't assume that you know your plan's definition of compensation, but check the actual document. The earlier that any mistakes are detected the less the error will cost you.
Source: Graydon.law, May 2018
The Complete Guide to 401k Corrective Distributions
Abstract: Making corrective distributions is an administrative burden, can lead to fines and excise taxes if not done promptly, and, perhaps most notably, frustrates HCEs. If you find yourself needing to make corrective distributions, don't worry. This is a very common problem. This guide will walk you through everything you need to know about corrective distributions.
Source: Forusall.com, May 2018
Can a Company Freeze a 401k Account If an Employee Is Suspected of Stealing From the Company?
Abstract: This is one of the very rare instances when there is a clear-cut answer, and it is a resounding "no." One of the unique features of company-sponsored retirement plans is that they are protected from legal judgments and bankruptcies. They also cannot be used as collateral and cannot be assigned to another individual. This article reviews a few exceptions.
Source: Dwc401k.com, May 2018
The Quick-Start Guide to 401k Plan Documents and Records
Abstract: Whether you're staring down the barrel of a DOL audit or just being proactive, knowing the details on your 401k plan documents (and keeping them organized) can save you a lot of pain. Here is a breakdown of your key 401k plan documents, including some industry-insider tips.
Source: Forusall.com, May 2018
Missing Participants Procedure
Abstract: Some search steps involve so little cost and such high potential for success that a fiduciary should always take them before abandoning efforts to find a missing participant, regardless of the size of the participant's account balance. The failure to take such steps would violate the fiduciary obligations of prudence and loyalty, as set forth in section 404(a) of ERISA.
Source: Qbillc.com, May 2018
Top 10 Issues Found in 401k Plans
Abstract: Compiled from lists published by the IRS and plan auditors, here are 10 items to check and review to make sure your 401k plan is operating in line with IRS expectations.
Source: Qbillc.com, May 2018
401k Notice Distribution: Hard Copy vs. Electronic Delivery
Abstract: It seems like 401k plans require a lot of different notices and disclosures be provided to participants each year. We have safe harbor and default investment notices at the end of the year, fee disclosure notices and participant statements each quarter, and the summary annual report when we file our Form 5500. Are we allowed to distribute all of these 401k notices to our participants electronically?
Source: Dwc401k.com, May 2018
Avoiding the Curveball of a Taxable 401k Loan Under New Law
Abstract: Under the new Tax Act, the 60-day period was extended to the filing due date for the participant's tax return for the year in which the loan offset amount arises. This means the deadline for any offset that arises during the tax year will not be until April 15 of the following year, which can be extended to October 15 with a tax return extension. Participants now have a much larger window of time to come up with the funds to deposit the offset into an IRA or another qualified plan to avoid taxation.
Source: Belfint.com, May 2018
Four Tips for Preventing Uncashed Retirement Checks
Abstract: No plan sponsor or TPA likes dealing with uncashed retirement checks. However, when a former employee fails to cash their distribution, the employer still has fiduciary responsibility for the funds. Here are four ways to decrease the burden involving ex-employees and uncashed checks.
Source: Penchecks.com, April 2018
DOL and ESG Investing: Evolving Guidance
Abstract: This article describes the key points from FAB 2018-01 and then provide a summary of the ever changing regulatory framework ERISA fiduciaries have been instructed to use when considering proxy voting and investing in ETIs.
Source: Groom.com, April 2018
Labor Department Says ESG investments Aren't Always "Prudent"
Abstract: The Trump administration unveiled guidance aimed at the burgeoning socially responsible investment industry that left some investors scratching their heads. The Department of Labor, which oversees retirement-plan funds, published guidelines that said investments based on environmental, social and governance issues aren't always a "prudent choice" and that such factors shouldn't "too readily" be considered as economically relevant by fiduciaries.
Source: Investmentnews.com (registration may be required), April 2018
What Is the Deadline to Correct a Failed ADP/ACP Test?
Abstract: Every couple of years, our 401k plan fails the ADP/ACP test by a small margin. Since we don't always fail the test, gathering our year-end census information to send to our TPA sometimes isn't as high a priority as some of the other projects necessary to close out the year. Is there a timing deadline to run the tests each year and to make any corrections if there is a failure?
Source: Dwc401k.com, April 2018
Field Assistance Bulletin No. 2018-01
Abstract: DOL Field Assistance Bulletin 2018-01 provides guidance in addressing questions raised by Interpretive Bulletin 2016-11 and 2015-12 regarding the exercise of shareholder rights and written statements of investment policy and relating to economically targeted investments.
Source: Dol.gov, April 2018
IRS Updates Substantiation Procedures for Hardship Distributions
Abstract: None of the IRM requirements for substantiating hardship distributions have been set forth in formal regulations that have been subject to notice and comment. But, the IRS believes substantiation that a distribution is for one of the safe-harbor hardships is required to determine that a hardship distribution is deemed to be on account of an immediate and heavy financial need. As a result, plan sponsors seeking to avoid disputes with IRS auditors may wish to follow the hardship substantiation requirements outlined.
Source: Ktserisacorner.com, April 2018
IRS Requests Input on Possible Expansion of Determination Letter Program in 2019
Abstract: In Notice 2018-24, the Treasury Department and IRS request comments on the potential expansion of the determination letter program for individually designed plans during 2019. As part of their commitment to annually review the scope of the program, they are looking for comments on the types of plans that should be allowed to seek a determination letter as well as specific issues for those plans that would justify the need for review.
Source: Groom.com, April 2018
Missing Retirement Plan Participants -- Employer Risk
Abstract: Former employees will often have account balances or benefits due them under an employer's retirement plan and are still considered to be participants. Regulatory guidance makes it clear that distributing the retirement accounts and accrued benefits of former employees is the employer's responsibility. Employers who maintain retirement plans are required to have procedures in place for finding missing participants.
Source: Stevenslee.com, April 2018
What to Do With Missing Participants and Required Minimum Distributions
Abstract: Issues related to missing and nonresponsive retirement plan participants are causing more problems and creating more uncertainty for plan sponsors and administrators. RMDs and missing participants aren't going away any time soon. This article provides an overview and search steps.
Source: Penchecks.com, April 2018
Strategies to Help HCEs Maximize 401k Contributions
Abstract: When employees aren't participating in the 401k or saving enough, non-discrimination testing can severely limit how much highly compensated employees can contribute. Limits imposed by non-discrimination testing are tough to overcome, but far from impossible. This article walks you through three highly effective strategies for overcoming these limits and acing your non-discrimination tests.
Source: Forusall.com, April 2018
Reporting And Disclosure Requirements Checklist
Abstract: Qualified retirement plans are subject to many reporting and disclosure requirements under ERISA and related regulations. Although there may be additional requirements that apply to special circumstances, the Reporting And Disclosure Requirements checklist provides an overview of the requirements that typically apply.
Source: Watkinsross.com, April 2018
Helping Plan Sponsors Deal With the Missing Participant Problem
Abstract: When participants terminate employment, either through turnover or retirement, many often leave their DC accounts with their former employers. However, if the employer has lost track of the participant's location, it now has a missing participant. It may not be the fault of the sponsor, but it remains the responsibility of the sponsor to find the participant.
Source: Napa-net.org, March 2018
Contingent Workers -- Consequences for Qualified Retirement Plans
Abstract: Distinguishing common-law employees from independent contractors can be challenging. Mistakes in this area can trigger dire consequences for qualified retirement plans, like plan disqualification and participant lawsuits under ERISA. Plans should periodically review worker classifications for compliance purposes, paying particular attention to eligibility terms and definitions, as well as proper inclusions and exclusions of classifications for testing purposes. Article reviews some proactive strategies.
Source: Conduent.com, March 2018
Which 401k Plan Fees Can Be Paid Out of Plan Assets?
Abstract: Are we allowed to pay 401k plan-related expenses out of the plan assets? This is another one of those questions with a short answer and a longer answer. The short answer is yes, it is perfectly allowable for some 401k plan expenses to be paid out of plan assets, but the flip side of that is that there are some expenses that are not allowed to be paid from the plan.
Source: Dwc401k.com, March 2018
Can Bonuses Be Excluded From Retirement Plan Compensation?
Abstract: This article answers the question: "Is it possible to disregard signing bonuses from plan compensation or do we have to treat those the same as all other bonuses? If they must all be treated the same, could we carve out all bonus payments?"
Source: Dwc401k.com, March 2018
IRS to Issue Letters to Master and Prototype, Volume Submitter Plans
Abstract: The IRS on March 9 said in Announcement 2018-05 that it plans to issue opinion and advisory letters for master and prototype and volume submitter defined benefit plans that were restated for changes in plan qualification requirements listed in Notice 2012-76 and that were filed with the IRS during the submission period for the second remedial amendment cycle.
Source: Asppa.org, March 2018
Summary Plan Descriptions Required for All ERISA Retirement, Health and Welfare Plans
Abstract: Misconceptions of the ERISA rules can lead plan administrators to believe that they either have provided an ERISA-compliant SPD when they have not, or that an SPD is not required at all. Administrators of all employee benefit plans subject to ERISA should ensure their plans' compliance with ERISA's Summary Plan Description (SPD) requirement.
Source: Hklaw.com, March 2018
Congress Enacts Changes to Hardship Withdrawal Rules
Abstract: The recently enacted Bipartisan Budget Act of 2018 included some unanticipated provisions that directly affect retirement plans. One such provision relates to the availability and amount of hardship withdrawals made under 401k plans. This article summarizes the impact of these new rules.
Source: Legacyrsllc.com, March 2018
Missing Participants and Required Minimum Distributions Cause Headaches for Plan Fiduciaries
Abstract: Unfortunately for employers, the DOL has been aggressively challenging the adequacy of employer efforts to locate and contact missing participants. Numerous plan sponsors have received letters from the DOL during missing participant audits that threaten sanctions against plan fiduciaries for alleged violations of ERISA, despite a lack of definitive guidance on exactly how employers should follow up on a variety of challenges.
Source: Winston.com, February 2018
Compliance Checklist 2018 for Plans That Are Subject to ERISA
Abstract: This 43-page Compliance Checklist incorporates defined benefit, defined contribution, and ERISA 403b requirements and provides information on the materials that will need to be file, filing due dates, and agencies to which the filings should be made.
Source: Prudential.com, February 2018
Retirement Plan Sponsors Looking to Protect Themselves From Litigation
Abstract: Fee lawsuits have exponentially increased over the past two years. Retirement plan sponsors of all sizes must be vigilant this year to protect themselves from plan litigation relate to high fees, lack of investment options or poor investment options and breach of fiduciary duty.
Source: Benefitnews.com, February 2018
Budget Act of 2018 Brings Changes for Hardship Distributions
Abstract: The Bipartisan Budget Act of 2018 was passed into law on Feb. 9, 2018 and introduces some unexpected changes for retirement plans. The most significant of the Act's changes for retirement plans reduces the existing restrictions on hardship distributions from 401k and 403b plans.
Source: Icemiller.com, February 2018
How Should We Handle It If We Accidentally Overfund Our 401k Match?
Abstract: This year, when the plan's TPA calculated the total match and profit sharing contributions for the year, it was discovered that employer funded more than was needed. What are the options for applying the amount overfunded? Can it be carried over and apply it to next year's contribution?
Source: Dwc401k.com, February 2018
2018 Key Administrative Dates and Deadlines for Calendar-Year DC Retirement Plans
Abstract: This calendar provides key administrative dates and deadlines for defined contribution plans subject to ERISA and the Internal Revenue Code.
Source: Milliman.com, February 2018
Hardship Withdrawal Changes Under the New Budget Act
Abstract: The Bipartisan Budget Act of 2018 contains changes to the ways in which hardship withdrawals from qualified retirement plans are administered. The changes reviewed here are effective for plan years beginning after December 31, 2018.
Source: Consultrms.com, February 2018
401k Plan Documents: Keeping All Your Ducks In a Row
Abstract: Many 401k tasks either require documents that should be retained or require documentation for future reference. This table lists several important documents that are smart to keep handy, either in the event of an audit, or to reference during the ongoing administration of the 401k.
Source: Forusall.com, February 2018
401k Plan Nondiscrimination Testing
Abstract: To ensure a 401k plan is not favoring owners or highly paid employees, the IRS requires certain nondiscrimination testing is performed. The ADP measures the employee deferral contributions and the ACP measures the employer matching contributions. ADP/ACP testing must be completed annually. Here is a quick review.
Source: Watkinsross.com, February 2018
ADP Test Basics 2017
Abstract: The tax code governing 401k plans was written to prevent qualified retirement plans from overly favoring Highly Compensated Employees. The ADP test uses mathematical equations to compare the participation and contribution rates of the HCEs to the NHCEs to determine whether the plan is discriminating in favor of the HCEs. This article reviews the test and how it works.
Source: Legacyrsllc.com, February 2018
IRS Wants Hurricane Distributions Reported as Penalty Tax Exception on 2017 Forms 1099-R
Abstract: The IRS mandates the use of Code 2 on Form 1099-R to report hurricane Harvey, Irma, or Maria distributions made in 2017, known as "qualified hurricane distributions" under the relief provided to victims by both the IRS and Congress.
Source: Ascensus.com, February 2018
DOL Extremely Active in Enforcement, With Terminated Vested Participant Investigations a High Priority
Abstract: The DOL compiles statistics every year to measure its activities as the agency responsible for investigating and enforcing the fiduciary duties under ERISA. Statistics for the agency's 2017 Fiscal Year enforcement activities are now available. These statistics affirm that the DOL's enforcement program remains extremely active, with a particular focus on terminated vested participant investigations.
Source: Morganlewis.com, January 2018
Hunting for Retirement Plan Participants?
Abstract: The DOL has reportedly commenced a national audit campaign targeting plans with missing participants, and just last month, the Pension Benefit Guaranty Corporation issued final regulations expanding its existing missing participant program (previously limited to certain defined benefit plans) to a defined contribution plan.
Source: Foxrothschild.com, January 2018
2018 401k ERISA Retirement Plan Calendar
Abstract: This Retirement Plan Compliance Calendar highlights the critical compliance deadlines for ERISA 401k defined contribution retirement plans.
Source: Cammackretirement.com, January 2018
Revised VCP Fees -- Simple Isn't Always Better
Abstract: The IRS has described its recent changes to its Voluntary Correction Program user fees as "simplification." This simplification is achieved by significantly changing the way user fees are determined and by eliminating alternative and reduced fees that were previously available. At first blush, this simplification appears to result in a general reduction in user fees, however, in certain circumstances, the changes will actually result in significantly higher fees.
Source: Benefitsbryancave.com, January 2018
The Impact of Tax Reform on Qualified Plans and Fringe Benefits
Abstract: The Act makes changes to the rules governing qualified plans (such as 401k plans and pension plans) and fringe benefit plans. These changes generally apply to plan years beginning after December 31, 2017. This is a review of those changes.
Source: Drinkerbiddle.com, January 2018
2018 Compliance Calendar for Defined Contribution Plans
Abstract: This is a month-by-month chart of compliance items that a DC plan sponsor should address throughout the year in order to retain the qualified status.
Source: Watkinsross.com, January 2018
IRS Modification of User Fees for VCP Submissions Will Negatively Impact Small Plans
Abstract: The new fee structure is based on a plan's total asset value and represents a significant departure from the historical methods the IRS used to assess VCP user fees. While the new structure will significantly lower the user fee for some applicants, it raises the fees for others (particularly small plans).
Source: Relius.net, January 2018
Why the New IRS VCP Fees Are Bad for Small Business, TPAs, and Retirement Plans
Abstract: At a time when employers need more encouragement to help employees save for retirement, the trend at the IRS does the exact opposite. The increased risk that the employer takes on due to a lack of communication with the IRS, coupled with the increased expense of correcting any failure, is a move in the wrong direction.
Source: Ferenczylaw.com, January 2018
Voluntary Correction Program User Fees Changes
Abstract: The IRS has simplified the user fees charged for most submissions made under the Voluntary Correction Program. The total amount of net plan assets determines the applicable user fee. Most alternative or reduced fees that were part of previous revenue procedures no longer apply.
Source: Irs.gov, January 2018
Hurricane Relief for Distributions and Loans to Participants in Puerto Rico Retirement Plans
Abstract: The Puerto Rico Treasury Department is providing special relief for distributions and loans from Puerto Rico qualified and dual-qualified retirement plans following Hurricane Maria. Under Administrative Determination No. 17-29, Puerto Rico residents affected by the hurricane may take distributions from their qualified retirement plans at lower tax rates. Additional relief is available for outstanding plan loans.
Source: Towerswatson.com, January 2018
Some Benefit Limits for Puerto Rico Plans Are Different From U.S. Plans
Abstract: The Puerto Rico Treasury Department issued Circular Letter of Tax Policy 17-02 formally announcing the key pension limits for 2018, as required by the Puerto Rico Internal Revenue Code. Different limits and rules for retirement plans qualified in Puerto Rico may cause some operational issues for plan sponsors.
Source: Planadviser.com, January 2018
Details From the Retirement Plan Simplification and Enhancement Act
Abstract: Alongside numerous proposed changes, employees who work for three consecutive years with at least 500 hours of service each year would have to be made eligible to participate in an employer's plan, but would be excluded from top-heavy and nondiscrimination testing.
Source: Planadviser.com, January 2018
Annual IRS Revenue Procedure Includes Surprising Change to User Fees
Abstract: This year's update includes a significant fee change surprise for the VCP program; and while changes in past years typically went into effect about a month after they were announced, this year's changes are effective immediately.
Source: Erisapracticecenter.com, January 2018
DOL 2018 Inflation-Adjusted Penalties
Abstract: The DOL has published its final rule to adjust for inflation the civil monetary penalties assessed or enforced in its regulations.
Source: Benefitsforward.com, January 2018
2018 Key Administrative Dates and Deadlines for Calendar-Year DC Plans
Abstract: This is a 5-page retirement plan chart and 2018 calendar for defined contribution plans, published Milliman. The document provides key administrative dates and deadlines for calendar-year plans.
Source: Milliman.com, December 2017
The Importance of Internal Controls and Audit and Investigation Readiness
Abstract: Diane Wasser, partner-in-charge of EisnerAmper's Pension Services Group, recently sat down with Callan Carter, special counsel at Trucker Huss, APC, a firm of ERISA and employee benefits attorneys, to discuss common retirement plan errors and how to avoid them.
Source: Eisneramper.com, December 2017
2017 Plan Year-End Compliance Reminders
Abstract: Every year, plan sponsors must make sure their plans meet certain compliance requirements. This publication identifies the materials you need to review and will help you prepare for year-end. It only applies to qualified defined contribution plans and 403b plans that are subject to ERISA.
Source: Prudential.com, December 2017
Retention Practices: Fiduciary Records Are (Almost) Forever
Abstract: How long should fiduciary records be kept? The Court has said that although the statute of limitations for bringing an action against a plan fiduciary for an imprudent investment begins on the date of the investment, the limitation period begins anew if at any time during that period the fiduciary should have reviewed its portfolio and replaced the investment.
Source: Fiduciaryplangovernance.com, December 2017
IRS Identifies No Qualification Changes Affecting 401k Plans on 2017 Required Amendments List
Abstract: The IRS has issued its 2017 Required Amendments List for qualified retirement plans. The 2017 RA List does not identify any qualification changes affecting 401k plans, but plan sponsors must still determine whether amendments are necessary for their particular plans.
Source: Thomsonreuters.com, December 2017
Employer's Failure to Deduct Plan Loan Repayments Resulted in Deemed Distribution
Abstract: This is a cautionary tale of how a poorly administered participant loan program can result in adverse tax consequences to participants. While this participant's reasonable reliance on the employer and recordkeeper allowed her to avoid the accuracy-related penalty, it did not protect her from the deemed distribution.
Source: Thomsonreuters.com, December 2017
Should Your 401k Plan Provide Hurricane Relief?
Abstract: You don't have to have employees in the disaster areas to be able to provide relief for victims of the 2017 hurricanes through your 401k plan. IRS announcements and a new law enable participants to take withdrawals to help relatives who were seriously impacted by hurricanes Harvey, Maria and Irma if their plan permits hurricane distributions. Special rules also allow plans to permit loans for relief even if the plan terms don't currently provide for loans. However, the agencies in charge aren't making it easy for plan sponsors who want to help.
Source: Cohenbuckmann.com, November 2017
2017 End of Year Plan Sponsor "To Do" List Qualified Retirement Plans
Abstract: This is a qualified plan "to do" list of items on which you may want to act on before the end of 2017 or in early 2018. The list is broken into five categories.
Source: Swlaw.com, November 2017
DOL Guidance and Relief for Plans Impacted by Hurricane Maria and California Wildfires
Abstract: The U.S. Department of Labor announced employee benefit plan compliance guidance and relief for victims of Hurricane Maria and the October 2017 California Wildfires.
Source: Dol.gov, November 2017
DOL, IRS Release Information Copies of 2017 Forms 5500
Abstract: The IRS and the Department of Labor have announced what they describe as "advance informational copies" of 2017 plan year annual return Forms 5500 and 5500-SF. Also included are information copies of the accompanying schedules commonly filed with these forms.
Source: Ascensus.com, November 2017
2018 Planning for ERISA Single-Employer DC Plan Operations
Abstract: This paper will help you set up a yearly schedule of activities, so you do not miss important deadlines for your qualified plans. As you evaluate the various tasks, you can confirm suitable deadlines with your vendors for their completion. Identifies and addresses other activities that are event-based and participant-specific.
Source: Conduent.com, November 2017
Delaying the Inevitable: Required Minimum Distributions for DC Plans
Abstract: The rules governing required minimum distributions are complex, and exceptions to the rules abound. Plan sponsors should check their plan document to be sure RMDs are in operational compliance. Additionally, plan sponsors should educate account holders about the rules related to RMDs so that account holders are aware of tax implications and potential penalties related to RMDs. This article provides an in-depth look at RMDs.
Source: Findleydavies.com, November 2017
Updated List of Required Modifications for DC Plans
Abstract: The IRS releases its updated list of required modifications for defined contribution plans. The information package contains samples of plan provisions that have been found to satisfy certain specific requirements of the Internal Revenue Code, taking into account changes in the plan qualification requirements, regulations, revenue rulings, and other guidance.
Source: Benefitsforward.com, November 2017
Are You Up-to-Date on Qualified Plan Beneficiary Rules?
Abstract: Most TPAs don't wake up first thing in the morning thinking about qualified plan beneficiary rules. However, improper payments due to lack of knowledge about these rules can have unwanted consequences. As the first in a series, this article covers the basic rules of the spouse beneficiary requirement for qualified plans.
Source: Penchecks.com, November 2017
The Perils of Missing Participants
Abstract: Sponsors of retirement plans are well aware of the annoyances associated with missing participants. However, there may also be associated legal perils. An October 2, 2017 letter from the American Benefits Counsel to Tim Hauser at the Department of Labor, outlines the aggressive legal positions recently taken by DOL investigators with respect to missing participants.
Source: Wifilawgroup.com, November 2017
Qualified Retirement Plan Amendments: 2017 Year-End Update
Abstract: This advisory reminds plan sponsors of deadlines for amending qualified retirement plans and certain year-end legal updates.
Source: Alston.com, November 2017
The Elusive IRC Section 410(b)(6) Transition Rule
Abstract: One of the most confusing parts of working with retirement plans occurs when the plan sponsor buys another company. This article reviews one aspect of the rules relating to transactions, which is commonly the key to a successful handling of benefits matters in M&A, and is also commonly misunderstood: The IRC Section 410(b)(6) Transition Rule.
Source: Ferenczylaw.com, November 2017
Year-End Compliance Issues for Single-Employer Retirement Plans
Abstract: By year-end 2017, sponsors of calendar-year single-employer retirement plans must adopt necessary and discretionary plan amendments to ensure compliance with the statutory and regulatory requirements of ERISA and the tax code. This bulletin looks at key areas -- including administrative compliance issues -- that sponsors of such DB or DC plans should address by December 31, 2017.
Source: Milliman.com, November 2017
Cashing-Out Terminated Employees From Your Company's Retirement Plan
Abstract: This article focuses on one aspect of the employment termination process as it relates to defined contribution retirement plans. More specifically, it examines the involuntary cash-out provisions included within most DC plans.
Source: Legacyrsllc.com, November 2017
Chapter 13 Debtor Can Put Earnings Into 401k
Abstract: Chapter 13 debtors can deduct 401k contributions in calculating their disposable income that must be contributed to a payment plan, even if they weren't contributing in the six months prior to the bankruptcy, an Illinois bankruptcy judge ruled Oct. 30.
Source: Bna.com (registration may be required), November 2017
401khelpcenter.com, LLC is not the author of the material referenced in this digest unless specifically noted. The material referenced was created, published, maintained, or otherwise posted by institutions or organizations independent of 401khelpcenter.com, LLC. 401khelpcenter.com, LLC does not endorse, approve, certify, or control this material and does not guarantee or assume responsibility for the accuracy, completeness, efficacy, or timeliness of the material. Use of any information obtained from this material is voluntary, and reliance on it should only be undertaken after an independent review of its accuracy, completeness, efficacy, and timeliness. Reference to any specific commercial product, process, or service by trade name, trademark, service mark, manufacturer, or otherwise does not constitute or imply endorsement, recommendation, or favoring by 401khelpcenter.com, LLC.
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In the example below, page A has 3 Inlinks (from pages B, C and E) and 4 Outlinks (to pages D, E, F and G).
The Inlinks percentile graph shown in the Inlinks section indicates how the overall volume of internal links found on your website (between two pages on your website) is distributed among all pages, from the perspective of pages which receive the links.
As this is a percentile graph, each dot on the line represents 1% of all analyzed pages. The value is the average number of follow incoming links for these pages.
In the example below, 19% of pages on the website receive a single incoming link, on average (some can receive none, if they can only be found via a redirect):
26% of all analyzed pages (the 56th to 81th percentiles) receive an average of 5 follow incoming links:
And 1% of analyzed pages (top percentile), receive an average of 11,524.
If you want to see pages which receive the highest amount of follow incoming links, click to get all URLs in the top percentile:
Then, you will see how many follow links the top pages receive - this is usually much higher than the average for the top percentile.
Although it's normal for some pages to receive more links than others (top navigation pages receive more because of the website structure, and that's partly how search engines recognize them), the distribution is clearly not ideal when the difference between top linked pages and the rest reaches many orders of magnitude.
The example below is far from being ideal. More than two thirds of all analyzed pages receive no more than 3 follow incoming links, while 1% receive an average of 30,000 each:
In this other example, the distribution of follow incoming links is better.


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When you are renting a 5, 10, 15, 20, 30 or 40 yard dumpster, you want a company you can trust with prices that make you smile. Give us a call today and see the difference we can make in your next construction or clean out project.
Simply give us a call and we will help you figure out your dumpster rental needs.
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Most Norma dumpster rental companies will take care of securing this permit for you if you rent from them. Make sure that if you're planning to put the dumpster on the street, the company has made the appropriate arrangements. You should also ensure that you get the permit in a timely manner and at the correct cost. If you thought the dumpster company was getting a permit and they did not, you will be the one who will have to pay the fine that is issued by the authorities.
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Removing trash through the home of a compulsive hoarder isn't a simple task-it but not only involves quite a lot of physical labor, but it is and a very difficult emotionally charged challenge for that hoarder, his or her household, and whoever has any sort of curiosity about the maintenance of the property involved. For these main trash removal jobs, especially those under time constraints, may be necessary in order to increase the process as well as spare homeowners extra expenditures such as disposal fees and also the gas utilised to drive insert after insert of garbage to the shift station.
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If you reside in The state of virginia, Washington DC or perhaps Maryland compared to you live in the beautiful spot and you desire to keep it lovely. Your neighborhood is actually proud of the beauty that encompasses them and you all desire to upkeep the idea. No matter where your house is you want your own home and local community kept clean and delightful.
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Do you want to rent a dumpster? Renting a dumpster can be quite a great thing. Occasionally you just need to rent a dumpster because you have got a lot of junk. Like for instance for anyone who is remodeling your property. During redesigning there will be many trash made. If you have never remodeled your property then get ready because there is going to be a lot of trash even though you just renovate a little of your property.
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Please use the form below to contact us. We look forward to working with you and will get back to you as soon as possible. All fields are required


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Not Available to Buy - Awaiting stockRelated Products
Made to the highest standard by Orion, the respected brand, this product is currently excellent value for money. Orion Xt6 Classic Dobsonian Telescope Kit is now for sale for everyone to acquire from the telescope shop at this great price.
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Personal Protection Measures
July 19, 2018 - 1:10pm
Be aware of peak exposure times and places. Exposure to arthropod bites may be reduced if travelers modify their patterns or locations of... more ››
Tire Collection Program
May 24, 2018 - 11:01am
Tire recycling to eliminate mosquito larval habitat and reduce risk from mosquito-borne diseases. There is no additional cost to residents ... more ››
Dog Heartworm
May 24, 2018 - 11:01am
Please consult your veterinarian to be sure all vaccinations are up to date, and if a booster is needed during the season. Do not give... more ››
Abandoned Swimming Pools
May 11, 2018 - 12:17pm
Now that we are in the 2018 summer season, we have a specific larval control program to target and treat abandoned swimming pools. These... more ››


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This weekend we had a workshop with my good friend Hans van Meer. Luckily we found the only dry day in the whole week. Some of the trees were just amazing and they are still in development. I can't wait to see them finished. Here are some glimpses.
This is the pine I worked on. I will post a better photo of it in a few days.
Stimulating back buds on Japanese black pine
15 hours ago


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30 & Flirty Pineapple Coconut Sangria - My Fat Healthy Life
Yes friends… I have an irrational fear of growing older. I don't understand it, I don't know where it stemmed from, I just know that the idea of turning 30 Blows. My. Mind. I'm trying to consider it a smack on the ass to get my butt in gear and really, and I mean REALLY, figure out where my life is going. Friends and family have grown up, gotten married, had kids, traveled the world. Me? I still feel like I'm 22, call my mom for advice ALL the time, want to stay home and snuggle my dogs, but want …
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text: Definition of Annotinous. Meaning of Annotinous. Synonyms of Annotinous Definition of Annotinous. Meaning of Annotinous. Synonyms of Annotinous Here you will find one or more explanations in English for the word Annotinous. Also in the bottom left of the page several parts of wikipedia pages related to the word Annotinous and, of course, Annotinous synonyms and on the right images related to the word Annotinous. Definition of Annotinous AnnotinousAnnotinous An*not"i*nous, a. [L. annotinus, fr. annus year.] (Bot.) A year old; in Yearly growths. Meaning of Annotinous from wikipedia - unanimity, unanimous annus ann-, -enn- year annals, annates, anniversary, annotinous, annual, annuity, biannual, bicentennial, biennial, biennium, bimillennial... Loading... Recent Searches ... OctandriaOcteneOctosyllabicalOdalOdfendOdicallyOdontalgicOdorlessOEcologyOEnomaniaOffshoreOftenOgress Related images to Annotinous Loading... This is the place for Annotinous definition. You find here Annotinous meaning, synonyms of Annotinous and images for Annotinous Copyright 2017 © WordAZ.com


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Tiny house
Tiny house "The Honeysuckle"
Tiny house "The Honeysuckle"
2 guests
1 bedroom
1 bed
1 bath
2 guests
1 bedroom
1 bed
1 bath
Great check-in experience100% of recent guests gave this home's check-in process a 5-star rating.
Great location100% of recent guests gave this home's location a 5-star rating.
Great communication100% of recent guests gave this host a 5-star rating for communication.
This adorable Tiny house is equipped for complete relaxation or natural setting place to get work done .
For those that have the tiny house obsession come visit !
Views of wooded trees, and small orchard. Outdoor kitchen area to relax , watch tv on big screen tv , work or cookout on charcoal or a jenn air grill . Sit and view the horse in the pasture or read a book. Trails for walking at the park close by or horseback riding available down the road . Just let me know if interested .
Air conditioning
Free parking on premises
Sleeping arrangements
Bedroom 1
1 double bed
House Rules
Not suitable for children and infants
No smoking
No parties or events
Check-in time is 3PM - 12AM (midnight)
Check out by 11AM
5 Reviews
This tiny house was perfect! I took my first solo trip here and I couldn't have picked a better place. The piece of property the tiny house sits on is so gorgeous. The outdoor kitchen area was a great place to sit and relax. The house was a perfect size for just me. I was a littl…
Nestled beautifully atop the out hills of Canton, Rebecca's tiny house was the PERFECT stop for me to enjoy peace and quiet and enjoy the comforts of a Georgia farm. The house overlooks the woods and was perfect for my morning coffee. They have absolutely outdone themselves with …
I'm a professional photographer . I adore my three sons and married to the love of my life . We love traveling and new experiences , being outdoors , hiking , photographing , and being by the water . I also teach yoga .
Response rate: 100%
Response time: within a few hours
Always communicate through AirbnbTo protect your payment, never transfer money or communicate outside of the Airbnb website or app.
The neighborhood
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Explore other options in and around Canton
More places to stay in Canton:


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Configure One CPQ Alternatives
Salesforce CPQ: No. 1 Alternative
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What are alternatives to Configure One CPQ?
If you're not yet convinced that you want to buy Configure One CPQ then one of the more reliable ways to evaluate it is to use the vendor's free trial or demo plan. This will give you a firsthand contact with the features and inner workings of the program and find out if they meet your needs. It's also a good idea to explore free trials of other CPQ Software services seeing that the majority of competitors provide that kind of test ride nowadays. The more free trials you sign up for the better are you changes of picking one of Configure One CPQ alternatives that's a great match for your company. Give the free trials a week of two before you decide which software gives the best value for your money.
Our group of independent experts have evaluated Configure One CPQ with a total score of 7.0/10 after a series of thorough tests. Actual customers of Configure One CPQ have an average satisfaction rating with the product at 100% which reflects their attitude towards this application. If you spend some time analyzing other Configure One CPQ alternatives you will most likely find other products with similar or possibly better ratings.
TOP Configure One CPQ Alternatives
Award-winning cloud document management tool
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PadnaDoc is the winner of Expert's Choice Award. It's a feature-rich online document management and collaboration solution for professionals, SMBs and enterprises. Read Review
CallidusCloud CPQ
An on-the-go CPQ guide.
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An adaptable and intelligent CPQ software that automates the quoting creation and approval process. Read Review
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An omnichannel configure price quote software that allows direct sales organizations, dealers/distributors, and eCommerce website owners to generate interactive 3D visuals and models, and engineering drawings for their complex products; and build business and product rules. Read Review
Other Popular Configure One CPQ Alternatives
Configure One CPQ is a solid product that our experts evaluated with a 7.0 score and with a 100% user satisfaction rate. It's price starts at By quote. However, you may want to consider other CPQ Software products that got even better scores and satisfaction ratings. Here's how Configure One CPQ fares in comparison to these:
Best Competitors To Configure One CPQ By Total Satisfaction
Top Competitors To Configure One CPQ By Cost
Best Alternatives To Configure One CPQ By SmartScore
It may at times be a real challenge to find a solid CPQ Software solution that will not only fit your expectations but will also include your budget limits. If you examine different alternatives to Configure One CPQ you may want to pay attention not just to features but also to a broad spectrum of factors including cost, quality of customer support, supported mobile devices and offered integrations. With enough research you should be able to locate a software that will include all the elements you need at an inexpensive pricing.
Page last modified on 16/08/2018


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Ready to rumble! Seth Rogen slaps on some Spanx as he and Amy Schumer transform into candidates for the 'Bud Light Party' in Super Bowl election spoof
Donald Trump better watch his back, there's some other celebrities gearing up to do battle in the presidential campaign.
Seth Rogen and Amy Schumer are leaving Hollywood behind and throwing on control top underwear to become political candidates in a funny new teaser for Bud Light's Super Bowl commercial.
In the clip released Friday, the pair get ready to represent The Bud Light Party in a spoof of the current election wars.
Scroll down for video
Oh, it's on! Seth Rogen and Amy Schumer are leaving Hollywood behind and throwing on control top underwear to become political candidates in a funny new teaser for Bud Light's Super Bowl commercial
Amy, 34, is dressed to impress with her pearl necklace and blue dress, but it is Seth, 33, who goes the extra mile as he struggles to step into nude shapewear.
After Seth successfully pulls up the Spanx, the clip captures Amy as she glams herself up in front of a compact mirror and clasps on a pearl necklace.
Meanwhile, Seth powders himself and takes a bite out of a sandwich.
The actor was clearly determined to look his absolute best, and even attempted to recruit Amy to help him in his prep.
Ready to rumble! The advert began with the pair's silhouettes, dressed in robes
No detail left untouched: Amy showed off her physique as she pulled up the stockings
Not his thing! Trying to turn himself into a trim candidate, Seth squeezes into Spanx and almost doing so
Seth was applying lotion to his arms as he informed her, 'Really got to get the elbows. Will you get the middle of my back?'
Amy responds, 'There is no middle!'
Seth at last is suited up in a light blue shirt and trousers, but struggles to put on his tie, which takes several different tries before it is successfully fastened.
Getting pumped up: Schumer polished off her final look in a small compact mirror while Seth fueled himself with a sandwich
Too much information: Going for laughs, the Knocked Up star showed off his bottom in his shapewear
Getting ready: The actress clasped on her bra after ditching her blue robe
The pair next attach their Bud Light Party pins to their clothing before cracking open a cold blue bottle of the beer.
'You ready?' he asks her.
Amy is pumping herself up as she responds, 'You know it! You ready?'
The new Bud Light teaser is intended to embody Bud Light's playful attributes, Bud Light VP Alexander Lambrecht said in a statement, according to Variety.
Glamming it up: The funny lady looked very much like a political candidate as she clasped on a chic pearl necklace for a finishing touch
Why the long face? The 34-year-old couldn't help but look annoyed and disgusted as she watched her co-star apply lotion to his arms
'There is no middle!' Seth without a hint of embarrassment, asks Amy for help applying the lotion to the centre of his back
'This is more than just a Super Bowl ad,' he said in the statement. 'It's a completely new communication of what Bud Light stands for – inclusivity, positivity and fun.'
Last year's Super Bowl was watched by a record-breaking 114.4 million people, and this year Beyonce is performing alongside Coldplay on February 7 in San Francisco.
The upcoming Super Bowl will take place at the Levi's Stadium in Santa Clara, California, on February 7.
Representing: The comedians attached a Bud Light Party pin to their sharp outfits in a nod to the current presidential candidate campaigns
Cheers: The pumped-up pair toast to their campaign. Fans can expect an even bigger offering from the funny pair during the Super Bowl next month
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By Annabelle Brewer on August 07 2018 08:00:28
Read Also: Best Selling Outdoor Fire Pits and Patio Heaters
A fire pit or a fire hole can vary from a pit dug in the ground to an elaborate gas burning structure of stone, brick, and metal. The common feature of fire pits is that they are designed to contain fire and prevent it from spreading.
Above-ground fire pits can be constructed from a variety of materials. The most popular options are brick, natural stone and concrete blocks, such as Belgard retaining wall products. Although design options are endless, most fire pits are either round or square. One reason has to do with the shape of standard fire pit liners.
There are a number of benefits to a gas fire pit. It's easy to start, there's no mess, there's no smoke, and it can be placed closer to the house. For purists, however, burning wood is one of the primal reasons to even have a fire pit. For the best of both worlds, consider a wood-burning fire pit with a gas starter. One popular trend is to install a gas starter with a switch that can be operated either locally, from inside the house, or with a mobile app.
Although fire pits are often a central part of backyards, portable versions are good options for encouraging more secluded seating nooks. Here, a change in material underfoot -- from gravel to pavers -- marks the quiet square. It is just big enough for a cozy sofa and chair as well as the central fire pit.


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Introducing: Yellow Owl Workshop
New in at the Roo's Beach store and online, is cool and colourful jewellery and stationery brand Yellow Owl Workshop!
Founded by Christine Schmidt, who's art career began with a triumph at the local colouring competition, Yellow Owl's products include everything from cat necklaces, magical unicorn stationery and fruity earrings (can you see why we've picked them?).
Her studio based in San Francisco bustles with a small dream team of hard-working ladies, fuelled by Earl Grey and radio shows, who create beautiful and quirky hand-printed cards and gifts as well as seeking out local suppliers and fine materials.
The sophisticated and playful aesthetic of their products is based on the expert attention to detail, ecological awareness and luxury, US sourced materials and is evident in every single product from the natural rubber stamps to the veggie-ink based greeting cards.
Original graphics and bold colours are the first things that will strike you about the Yellow Owl pieces as well as their unique, glass vial packaging with cork closure that will make an outstanding gift or stocking filler for anyone who loves a bit of fun!
Shop the Yellow Owl edit here.


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Age 10 girls school uniform
5 school dresses 4 grey and 1 black All in good condition from a smoke free house Collection from le8 6
5 school dresses 4 grey and 1 black All in good condition from a smoke free house Collection from le8 6
Girls George Halloween Costume. Age 7-8. Pre-owned. From a smoke free and a pet free home. No returns. Thank you for looking. I'm having a clear out-so please have a look at my other items. I'm happy to combine the postage. If you might have any q
Worn by my 14 year old daughter for one school year. size 38/40. Very clean condition from a smoke free and pet free home. Shop sale price is £19.99 - Buy at bargain price for only £10 Also got a Manor High V-neck Jumper size 38/40, a girls b
Good condition. Size 1.5-2years. Looks lovely on! Boys suit . Posted by Danielle in Kids Clothes, Shoes & Accessories, Other Kids' Clothes in Blaby. 5 August 2018
Debenhams Bluezoo dinosaur raincoat. Lined. Brand new with tags still on. From a smoke free home. Collection only from Blaby.
COLLECTION ONLY! Only been worn once From a pet and smoke free home
English Martyrs (Anstey Lane) official Black Polo PE Top Size 11-12 Yrs (28"-30") Excellent Condition
Brand new river island size 4-5 excellent condition shoes size 8 purchased on thur too big lost receipt
Girls converse tracksuit and Adidas tracksuit age 3 /4 in good condition £7 both
Hi I have for sale 2 boys grey suit jackets, lovely navy blue lining, 2 front buttons. In excellent condition only used once. Grab a bargain, £5 each jacket. From a smoke and pet free home. Having a clear out so check out my other items. Tha
2 packs of gold sock size uk 12-3 and size uk 9-12
A pack of boy Jurassic world ankle socks uk size 6-8
All have 3 pairs in each pack
Brand new
Ad ID: 1282836792


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Shopping for home insurance in Sopchoppy, FL doesn't have to be difficult. Simply enter your Zip Code at the top of this page and you will be presented with the list of the top recommended insurance companies in your area. Compare quotes from these carriers and you will be on your way to saving on your homeowners coverage premium.
When it comes to homeowner's insurance in Sopchoppy, FL, there are quite a few different factors that can affect how much you have to pay. Understanding what these factors are can give you a better idea of how Florida insurance companies come up with the quotes that they give you.One factor that affects homeowner's insurance quotes is the area where you live. For instance, some parts of the country are particularly prone to severe storms and other potentially dangerous situations. In these areas, you may have to pay more for homeowner's insurance than you would in an area of the country that was less risky.
The same holds true for areas that have particularly high crime rates. If you live in an area where there are a lot of robberies or break-ins, you may have to pay more for your insurance than someone who lives in an area that has a lower crime rate.
The overall value of your home also comes into play when figuring out how much you will have to pay for homeowner's insurance. Generally, the more valuable your home, the more money you will have to pay to insure it. This is because expensive homes cost more to repair or replace than lower cost homes.
The deductible that you choose for your policy will also affect your rate. A policy with a higher deductible will generally cost less than one with a low deductible. Although the thought of a lower monthly payment may be appealing, make sure that you have the money on hand to meet your deductible in case anything goes wrong. Otherwise, you could be left in a bind with no way to repair your home.Interestingly, the distance of your home from the nearest fire hydrant can also come into play when determining how much you have to pay for insurance. Insurers tend to prefer homes that have a fire hydrant nearby. This helps ensure that first responders can act quickly in the event of a fire, helping to minimize damage as much as possible.
All of these factors come into play when getting Sopchoppy, FL homeowner's insurance quotes. If you want to keep your costs as low as possible, consider choosing a policy with less coverage or with a higher deductible. Just make sure that you fully understand how these decisions will affect you if you ever need to file a claim. You may find it more beneficial to go for a policy that offers more coverage or a lower deductible so that you don't have to come up with a lot of money on your own if something does eventually happen to your home.
To get the best savings on your Sopchoppy, Florida coverage for your home, make sure to use our comparison tool. Enter your Zip Code below and get the list of the best Florida insurers.
More Info and Tips for Sopchoppy, Florida
There are a good deal of businesses out there competing for your company as a property owner, but it truly is up to you to find out which firm is supplying the best possible insurance for you and your loved ones. Even though your residence demands safety, you cannot choose a random plan. The pursuing advice will give you the guidance you require.
Do not just consider about acquiring insurance coverage for your house go ahead and do it! If you do not have homeowner's insurance coverage, you will be out of luck if you are robbed, normal catastrophe strikes or your residence burns down. With a mortgage loan, you are more than most likely required to have homeowner's insurance policies.
You could feel you never live shut sufficient to a entire body of water to have to be concerned about flood insurance...but feel once again. Just before you decide you will not require it, evaluate the flood chance for your geographical region. You will be surprised at the surprising elements of the nation which have skilled floods in the earlier 12 months or two, and if you live in or close to on of these places, flood insurance may possibly be appropriate for you. FEMA.gov is one web site that offers data on flood pitfalls for all parts of the U.S.
Set up a protection system to support reduce your homeowner's insurance policy high quality by five%. Your safety method need to be viewed over by a central station or tied directly to your local law enforcement station, in get to get this price cut. Your insurance coverage agent will want to see evidence that your protection method is currently being monitored.
If you need to file a claim with your homeowner's insurance policy firm, do so instantly. Swiftly react to any ask for for information as fully as you can. The a lot more details the insurance coverage business has, the more quickly they can method your claim. Also, considerably injury endured by residences will only worsen with time, which means that if you let it sit, the expense will be greater.
Select a policy that is made up of "guaranteed alternative value". You do not want to stop up in a trailer alternatively of a home similar to the one particular you have been spending for, for years. It will protect the charges connected with receiving a home that is like the previous 1 in the celebration it is ruined.
Home owners insurance policies is a really big necessity in existence. Hold in thoughts that some mortgage businesses will not even make the loan unless of course a individual can give evidence of coverage for reasonable or total price of the property. It can be quite costly so be sure to study the various firms and examine their policies so that you can uncover the best charge and coverage.
Homeowner's insurance policy is a essential investment, even though it is pricey. Keep in brain that there are a lot of techniques that can operate to lessen your insurance policy bill. In fact elevating your deductible can help lessen your top quality. If you place in fireplace or burglar alarms, that can also assist to lessen what you want to spend. Speak with the insurance policy company to locate out which enhancements you can make to save income.
It is less costly to get and hold homeowner's insurance coverage if you do not have injuries prone units. Insurance coverage firms see swimming pools, trampolines, and other similar objects to be a greater risk for harm and will consequently increase the volume of your quality. Despite the fact that getting a pool may possibly be entertaining, eliminating it will help save you income!
When you buy a new house, you are making a large investment decision that ought to be guarded. The most rational protection you can offer for your new property is a sturdy insurance policy that will consider care of it, but you need to have to make certain you're being adequately coated. Use the suggestions shared listed here and you can get the plan that is right for you.


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