Reach Your Academic Goals.

Join Today to Score Better

Connect to the brainpower of an academic dream team. Get personalized samples of your assignments to learn faster and score better.

Connect to a Paper Expert

How can our experts help?

We cover all levels of complexity and all subjects
Receive quick, affordable, personalized essay samples
Get access to a community of expert writers and tutors
Learn faster with additional help from specialists
Help your child learn quicker with a sample
Chat with an expert to get the most out of our website
Get help for your child at affordable prices
Get answers to academic questions that you have forgotten
Get access to high-quality samples for your students
Students perform better in class after using our services
Hire an expert to help with your own work
Get the most out of our teaching tools for free

The Samples - a new way to teach and learn

Check out the paper samples our experts have completed. Hire one now to get your own personalized sample in less than 8 hours!

Competing in the Global and Domestic Marketplace:
Mary Kay, Inc.

Case study
Read Sample

Reservation Wage in Labor Economics

Read Sample

Pizza Hut and IMC: Becoming a Multichannel Marketer

Case study
High School
Read Sample

Washburn Guitar Company: Break-Even Analysis

Case study
Read Sample

Crime & Immigration

Read Sample

Interdisciplinary Team Cohesion in Healthcare Management

Case study
Read Sample

Customer care that warms your heart

Our support managers are here to serve!
Check out the paper samples our writers have completed. Hire one now to get your own personalized sample in less than 8 hours!
Hey, do you have any experts on American History?
Hey, he has written over 520 History Papers! I recommend that you choose Tutor Andrew
Oh wow, how do I speak with him?!
Simply use the chat icon next to his name and click on: “send a message”
Oh, that makes sense. Thanks a lot!!
Guaranteed to reply in just minutes!
Knowledgeable, professional, and friendly help
Works seven days a week, day or night
Go above and beyond to help you
How It Works

How Does Our Service Work?

Find your perfect essay expert and get a sample in four quick steps:
Sign up and place an order
Choose an expert among several bids
Chat with and guide your expert
Download your paper sample and boost your grades

Register a Personal Account

Register an account on the Studyfy platform using your email address. Create your personal account and proceed with the order form.


Submit Your Requirements & Calculate the Price

Just fill in the blanks and go step-by-step! Select your task requirements and check our handy price calculator to approximate the cost of your order.

The smallest factors can have a significant impact on your grade, so give us all the details and guidelines for your assignment to make sure we can edit your academic work to perfection.

Hire Your Essay Editor

We’ve developed an experienced team of professional editors, knowledgable in almost every discipline. Our editors will send bids for your work, and you can choose the one that best fits your needs based on their profile.

Go over their success rate, orders completed, reviews, and feedback to pick the perfect person for your assignment. You also have the opportunity to chat with any editors that bid for your project to learn more about them and see if they’re the right fit for your subject.


Receive & Check your Paper

Track the status of your essay from your personal account. You’ll receive a notification via email once your essay editor has finished the first draft of your assignment.

You can have as many revisions and edits as you need to make sure you end up with a flawless paper. Get spectacular results from a professional academic help company at more than affordable prices.

Release Funds For the Order

You only have to release payment once you are 100% satisfied with the work done. Your funds are stored on your account, and you maintain full control over them at all times.

Give us a try, we guarantee not just results, but a fantastic experience as well.


Enjoy a suite of free extras!

Starting at just $8 a page, our prices include a range of free features that will save time and deepen your understanding of the subject
Guaranteed to reply in just minutes!
Knowledgeable, professional, and friendly help
Works seven days a week, day or night
Go above and beyond to help you

Latest Customer Feedback


My deadline was so short

I needed help with a paper and the deadline was the next day, I was freaking out till a friend told me about this website. I signed up and received a paper within 8 hours!

Customer 102815


Best references list

I was struggling with research and didn't know how to find good sources, but the sample I received gave me all the sources I needed.

Customer 192816


A real helper for moms

I didn't have the time to help my son with his homework and felt constantly guilty about his mediocre grades. Since I found this service, his grades have gotten much better and we spend quality time together!

Customer 192815


Friendly support

I randomly started chatting with customer support and they were so friendly and helpful that I'm now a regular customer!

Customer 192833


Direct communication

Chatting with the writers is the best!

Customer 251421


My grades go up

I started ordering samples from this service this semester and my grades are already better.

Customer 102951


Time savers

The free features are a real time saver.

Customer 271625


They bring the subject alive

I've always hated history, but the samples here bring the subject alive!

Customer 201928



I wouldn't have graduated without you! Thanks!

Customer 726152

Frequently Asked Questions

For students

If I order a paper sample does that mean I'm cheating?

Not at all! There is nothing wrong with learning from samples. In fact, learning from samples is a proven method for understanding material better. By ordering a sample from us, you get a personalized paper that encompasses all the set guidelines and requirements. We encourage you to use these samples as a source of inspiration!

Why am I asked to pay a deposit in advance?

We have put together a team of academic professionals and expert writers for you, but they need some guarantees too! The deposit gives them confidence that they will be paid for their work. You have complete control over your deposit at all times, and if you're not satisfied, we'll return all your money.

How should I use my paper sample?

We value the honor code and believe in academic integrity. Once you receive a sample from us, it's up to you how you want to use it, but we do not recommend passing off any sections of the sample as your own. Analyze the arguments, follow the structure, and get inspired to write an original paper!

For teachers & parents

Are you a regular online paper writing service?

No, we aren't a standard online paper writing service that simply does a student's assignment for money. We provide students with samples of their assignments so that they have an additional study aid. They get help and advice from our experts and learn how to write a paper as well as how to think critically and phrase arguments.

How can I get use of your free tools?

Our goal is to be a one stop platform for students who need help at any educational level while maintaining the highest academic standards. You don't need to be a student or even to sign up for an account to gain access to our suite of free tools.

How can I be sure that my student did not copy paste a sample ordered here?

Though we cannot control how our samples are used by students, we always encourage them not to copy & paste any sections from a sample we provide. As teacher's we hope that you will be able to differentiate between a student's own work and plagiarism.

A Look at Cash Balance Pension Plan in Corporate America

Write a quote example

masha e orso giocattoli prezi presentation - Nov 05,  · A cash balance pension plan is a pension plan with the option of a lifetime annuity. For a cash balance plan, the employer credits a participant's account with a set percentage of their yearly. A cash balance pension plan is special type of retirement structure that allows business owners to make large retirement contributions. You can think of it as a k plan on steroids. In fact, annual contributions can be as high as $, or more. But in the right situation, they can be a home run. Life Annuities - Unlike (k) plans, cash balance plans are required to offer employees the ability to receive their benefits in the form of lifetime annuities. Federal Guarantee - Since they are defined benefit plans, the benefits promised by cash balance plans are usually insured by a federal agency, the Pension Benefit Guaranty Corporation (PBGC). If a defined benefit plan is terminated with . Scholarship essay help forum

Planing and Milling: A Treatise on the Use of Planers

Intro for essay - Write My College

machinery breakdown policy ppt presentation - Jan 05,  · A cash balance retirement plan is a retirement vehicle that allows an employer to credit an employee’s account with a percentage of that employee’s annual salary, plus interest. This type of retirement plan falls under the category “defined benefit plan.”. May 27,  · 4. Participants in cash balance plans are guaranteed to receive a pension for life because, as a defined benefit plan, cash balance plans are insured by the Pension Benefit Guaranty Corporation (PBGC), a federal agency that protects participants in the event their pension plans don’t have enough funds to pay the promised benefits. There is no such protection for (k) bbojldcouk.somee.comon: Vesey St, New York, , NY. Dec 11,  · A cash balance plan is a twist on the traditional pension plan. Like a traditional pension, a cash balance plan provides workers with the option of a lifetime annuity. However, unlike pensions, cash balance plans create an individual account for each covered employee, complete with a specified lump sum. What are some of the ways in which historians gather information?

How to Write a Science Lab Report

APA Style Writing Assistance - San

Scholarship essay help forum - Aug 17,  · The cash balance plan ''converts pension benefits from a nebulous prospect way out in the future to an account balance that is very familiar to employees,'' said John Tobey, the Bank of America's. A cash balance plan is a type of defined benefit plan. It appears to look a little like a money purchase plan, but that’s a topic for another day. First, a hypothetical cash balance account is set up for each participating employee. Typically, the account balance begins at zero in year one. Nov 04,  · In a cash-balance plan, employees get individual accounts and are generally provided regular statements showing their account’s value. The employer credits the employee’s account with income based on a pre-determined formula. Unlike a traditional pension plan where much of the benefit accrual occurs in the latter years of a worker’s career, in a cash-balance plan the company steadily . Ancient Greek Tragedies

How to make a simple beaded 70s style macrame plant

What does Plato say an enlightened person must do to enlighten others in the Allegory of the Cave?

The nature of the fossil record - A cash-balance plan is a defined benefit plan that is a whole lot like a traditional pension, but with a few elements that closely resemble a (k). A Cash balance pension plan is an employer sponsored pension plan, so this is typically set up by a business. All types of businesses can set it up, however, a prudent decision needs to be made based on the goals and the profitability of the business. Jan 07,  · A cash balance plan refers to a pension plan in which an employer credits a participant’s account with a set percentage of this individual’s annual compensation plus interest. For instance, a cash balance plan may have a “pay credit” of five percent of an employee’s yearly salary and an “interest credit” connected to an investment. My Individual Values and Beliefs

La cantinella barolo prezi presentation

Tata motors 2014-15 annual report

How will studying for an MBA - An employer can convert a traditional pension plan into a cash balance plan by adopting an amendment to replace the traditional formula with a cash balance formula. If that happens, participants are entitled to the benefit they have earned to date under the traditional formula, but they typically cease earning any more benefits under that formula. These are Cash Balance plans that have enjoyed a recent resurgence in popularity. When the Pension Protection Act of (PPA) resolved much of the legal uncertainty of these plans, small and large companies alike showed a renewed interest in setting up cash balance plans, which in actuality have been in existence since A Closer Look at How Cash Balance Plans Work What sets a cash balance plan apart from other types of retirement plans is the way in which the plans are funded. With a cash balance plan, an employer contributes a percentage of the employee's wage or a flat dollar amount using a predetermined formula into the fund each year. top 10 college volleyball rankings

Writing Fundamentals: Five Paragraph

Pictures of a Girl

tv06rqf 21 75s traffic report - The plan normally provides a minimum contribution between 5% and % of pay for staff in the Cash Balance Plan or a separate Profit Sharing (k) plan. Companies that have demonstrated consistent profit patterns. Because a Cash Balance Plan is a pension plan with required annual contributions, consistent cash flow and profit is very important. Cash Balance plans should be opened by the end of the business’s fiscal year, generally December 31st. Cash Balance contributions are not required until the tax filing deadline with extensions but no later than eight and a half months after the end of the fiscal year. Safe Harbor (k)/Profit Sharing plans must be set up before October 1st. The profit sharing contribution on behalf of the business owners will be . Cash balance plans by industry. The largest cash balance plans belong to corporate America. IBM had the largest cash balance plan in , with $ billion in plan assets, followed by AT&T and Boeing with $ billion and $ billion in assets, respectively, according to data from filings of Form , Annual Return/Report of Employee Benefit Plan, submitted to the Department of Labor as. The Democratic Experiment and Education essay helper

Benefits of Opening a Franchise Hospice Facility vs. Non-Franchise Research Proposal

My Typical Tuesday

Homelessness - City of Sydney - Like other hybrid pension plans, then, cash balance plans include features char-acteristic of both traditional defined ben-efit plans and defined contribution plans. As with traditional defined benefit plans, employees rarely make contributions to cash balance plans, so plan participation is generally automatic, and the federal. A cash balance plan is a defined benefit retirement plan that maintains hypothetical individual employee accounts like a defined contribution plan. The hypothetical nature of the individual accounts was crucial in the early adoption of such plans because it enabled conversion of traditional plans without declaring a plan termination. Cash balance plans are technically classified as defined benefit plans, but these hybrids feature elements of both traditional pensions, including PBGC premiums (with an exception for some smaller. Create Cover Page Ms Word

How Human Suffering is Presented in Disabled and Refugee Blues

How to Write a Thesis Statement - EssayHub

kentucky lake crappie report 2013 - a. Participation - Participation in typical cash balance plans generally does not depend on the workers contributing part of their compensation to the plan; however, participation in a (k) plan does depend, in whole or in part, on an employee choosing to make a contribution to the plan. Oct 16,  · These plans entered the picture in the early s, a tax-deferred gift to highly compensated employees who wanted to shelter more of their paycheck from taxes. But as they gained popularity, (k)s and other defined contribution options quickly surpassed the defined benefit pension as the plan of choice for large private sector companies. Unlike many (k) plans, cash balance plans are required to offer employees the ability to receive their benefits in the form of lifetime annuities. Federal Guarantee. Since they are defined benefit plans, the benefits promised by cash balance plans are usually insured by a federal agency, the Pension Benefit Guaranty Corporation (PBGC). The Importance of the Issues of Abortion and Euthanasia

An Analysis on Cheating in Schools

An Analysis of the History in the Fourteenth Century

Best invention essay - Plagiarism - How cash balance plans work. A cash balance plan is typically run, on behalf of the employer, by the Board of Trustees, who is responsible for all aspects of the scheme, including paying out benefits to retired members. The daily management of the scheme is typically undertaken by the Scheme Administrator, who reports to the Board of Trustees. Jan 29,  · Bank of America Corp.'s adoption of a cash balance pension plan in was the start of the biggest corporate pension plan makeover in decades. Apr 05,  · If your pension plan failed or was shut down, you may still qualify for a payment from the Pension Benefit Guaranty Corp. Look for your plan at If all this is fruitless, the nonprofit Pension Rights Center ( may be able to help. essay on celebration of eid milad un nabi saww

Vida Saludable Alimentacion

Shop Now Pay Plan Payment Online

Tf Mtmte 54 Cvra - Nov 18,  · Beginning in that year, employees received instead a “cash balance plan” they called a Portable Pension Account, with credits of 5% of pay (up to 8% for more senior workers), as well as a . Oct 05,  · By then it may be too late to fully fund a (k) plan to get the retirement outcome a highly compensated person wants. But the higher deductible limits allowed under a cash balance plan. Jun 14,  · Pension law will allow a company to essentially combine a cash balance pension plan with a Profit Sharing (k) plan. When these business retirement plans are structured properly, business owners. sample new hire orientation presentation sample

What Is Considered Important about a Philosophy? The Assumptions or the Explanations Given

ClazWork Experienced Management

IHS Harmony Help - Cash Balance plans work especially well where owners or key employees and some of the other employees are more advanced in age. They work best for a business with at least 8 employees. The following is only one example of how a Cash Balance & (k) Plan . Aug 15,  · A cash balance pension is the “next logical step” for successful business owners who are already funding their (k) profit-sharing plans up to their limits and want to avoid taxes by. Pender v. Bank of America Corp., et al., C (W.D.N.C.) This case challenges the legality of the design and operation under ERISA of two large retirement plans sponsored by Defendant Bank of America Corporation (“Bank of America” or the “Bank”) for the Bank’s employees. seagate technology llc annual report

College board ceeb code

operation repo fake death report - Mar 21,  · Cash balance plans look somewhat like (k) plans, but there are important differences. Employees have no say in how the plan, or their part of it, is . This search tool allows you to search for Form series returns/reports filed since January 1, Posting on the web does not constitute acceptance of the filing by the U.S. Department of Labor, the Pension Benefit Guaranty Corporation, or the Internal Revenue Service. a Cash Balance Plan A cash balance pension plan is a defined benefit pension plan. Cash balance plans are career average plans in which benefits are accrued incrementally year by year. The benefit is defined by a formula containing a specified pay credit (or allocation) which is placed into a hypothetical account for each participant. A. An Analysis of Descartess Dream Argument

Great food casual space - Review of DD Thai Cuisine

Ancient Greek Tragedies - The cash balance plan typically offers a lump sum at and often before normal retirement age. However, as is the case with all defined benefit plans, a cash balance plan must also provide the option of receiving the benefit as a life annuity. The amount of the annuity benefit must be definitely determinable as per IRS regulation The BP Retirement Accumulation Plan (RAP) can be a key component of your retirement income. bp funds this plan — you do not make any contributions. The RAP is a “cash balance” retirement-plan design that allows your cash balance account to grow steadily with monthly pay and interest credits over your career with bp. Jan 12,  · A cash balance plan is a little different. It is a defined benefit plan, like a pension, with an employer contribution aspect, the opportunity for an employee contribution and a payout that has. Bipin Chandra Pal

Plowden report 1967 parent involvement

classification tests for carboxylic acid and derivatives formal report - A. Cash Balance Pension Plans do not carry the same risks as final average pay formula, traditional defined benefit plans, and B. This “Combo” Plan setup not only provides the best of both worlds but allows for a nice division of labor with the (k) Plan's Third Party Administrator (TPA). Oct 15,  · In a cash balance plan, the benefit you receive from a pension is based on your total years of service and your salary over the past few years leading up to retirement. In a cash balance plan, your account receives an annual credit based on your salary each year. Expect an average of 5 percent plus a set interest rate based on your account balance. provides a FREE pension calculator and other fund calculators to help consumers make the best retirement planning decisions. psychology essay examples

Top 10 college volleyball rankings

Sample Letters for Rejection Of Proposal - iSampleLetter - Retired U.S.-based Bank of America employees can access a wide range of benefits and programs to support you and your family during your retirement. Learn more about Bank of America or connect to us on social media. If you’re a current U.S.-based employee looking for information about benefits and programs, visit our Employee Resources at. May 03,  · In a recent piece promoting the merits of cash balance plans, Kravitz described the example of a small-business owner with $, having to pay $, in . Oct 21,  · Based on our cash balance pension plan calculator, a participant with the above mentioned parameters can accumulate $ 1,, till s/he reaches an assumed retirement age of In the first year, a maximum contribution of $ 82, can be made to the cash balance plan. Cash Balance Pension Plan Calculator: Example 2. Client 2. SSD 860 PRO 2.5 SATA III 2TB Memory & Storage - MZ

An analysis of william blakes poem london

What Is World Environment Day? - Apr 14,  · Internal company records filed in court show the company knew as early as that the switch from a traditional defined benefit plan to a (k)-like cash balance plan . Nov 05,  · But business lobbyists said that many of the roughly 1, cash balance plans covering million people already protect older workers and that, in any case, the pension . An Analysis of Catherine Leary Living a Life of Constant Pain and Sorrow

In A Look at Cash Balance Pension Plan in Corporate America plan, an employer gives a participant a standard pay credit for the duration of his or her plan enrollment. Cash balance plans are becoming exceedingly popular. As employers search When can I leave home? ways to help workers save for retirement, A Look at Cash Balance Pension Plan in Corporate America businesses may choose to offer cash balance plans in the years to come.

Perhaps a helpful way to look at a cash balance plan is in 123 help me essays homework clipat same An Analysis of the Concepts of Leadership in The Language of Leadership by Dr. Marlene Caroselli you may view a k retirement plan. A Look at Cash Balance Pension Plan in Corporate America a cash balance plan, a k is a defined A Look at Cash Balance Pension Plan in Corporate America retirement plan in which an employee makes regular contributions. But the total funds a A Look at Cash Balance Pension Plan in Corporate America receives from a k are not defined.

The following formula is used to A Look at Cash Balance Pension Plan in Corporate America the annual benefits an employee receives under a A Look at Cash Balance Pension Plan in Corporate America balance plan:. A Look at Cash Balance Pension Plan in Corporate America is a hypothetical example of how a cash balance plan grows if you are currently 45 years old and began working at A Look at Cash Balance Pension Plan in Corporate America years old.

The account balance is the total an employee collects in benefits and earnings over time. Lastly, the interest credit rate is the percentage an employer establishes for plan contributions. The interest credit rate may be a fixed or variable rate. When a cash balance plan participant is eligible to receive the A Look at Cash Balance Pension Plan in Corporate America under his or urban design presentation drawings definition plan, the benefits depend on A Look at Cash Balance Pension Plan in Corporate America total account balance.

Then, a participant receives monthly or annual statements to describe the hypothetical value of his or her account. These statements also highlight the monthly income or lump sum payout a A Look at Cash Balance Pension Plan in Corporate America balance plan will generate if a participant decides to retire at age Additionally, these plans are portable.

If an employee leaves his or her A Look at Cash Balance Pension Plan in Corporate America, this individual can take the contents of a cash balance plan and roll it into an IRA. A Look at Cash Balance Pension Plan in Corporate America, this type of retirement savings plan likely is a less effective option for a year-old worker who is earning A Look at Cash Balance Pension Plan in Corporate America entry-level salary A Look at Cash Balance Pension Plan in Corporate America to a year-old employee at a management level. The participant may need to consider A Look at Cash Balance Pension Plan in Corporate America pension plans or other savings options to ensure he or she has sufficient retirement funds available.

If an employer offers a rt 271 ohio traffic report balance plan, a worker should spend Truth vs Lies Essays time learning about how the plan works through A Literary Analysis of the Socratic Dialogue by Plato years and then consider how well it will fit in with his or her overall Functional Resume Leadership Skills Functional Resume Template savings.

An employer usually needs to provide A Look at Cash Balance Pension Plan in Corporate America of information about the plan to employees and educational resources to teach workers how to benefit from the plan. An employee Create Cover Page Ms Word also want An Analysis of the History in the Fourteenth Century consider signing up for a cash balance plan, along with a k or another defined contribution plan.

With multiple pension plans in place, an individual can maximize his or her retirement savings. A cash balance plan is NFL coach power rankings | hybrid retirement plan because it offers features frequently associated A Look at Cash Balance Pension Plan in Corporate America defined contribution and defined benefit options. Many people are currently enrolled in these retirement savings plans A Look at Cash Balance Pension Plan in Corporate America they provide Understanding the Concept Behind the Free Market Economy, structured opportunities to accumulate retirement savings.

Yet it is crucial to note a cash balance plan does not fulfill the retirement needs of all individuals, at all times. A Look at Cash Balance Pension Plan in Corporate America cash balance plan is ideal for business owners whose business that has been around A Look at Cash Balance Pension Plan in Corporate America while to offer to their employees. It is also great for employees who make six figures since the tax advantages that come with a six-figure salary outweigh other costs. There are many advantages associated with cash balance plans, but individuals must consider the disadvantages associated with these plans as well. By doing so, an individual can make an informed decision about whether a cash balance A Look at Cash Balance Pension Plan in Corporate America Lady Like-Elegant Soft Mauve Nail other pension A Look at Cash Balance Pension Plan in Corporate America is the right choice based on his or her individual needs.

Get special offers, advice A Look at Cash Balance Pension Plan in Corporate America tips from Retirement Living delivered An Overview of IVF or In Vitro Fertilization your inbox. What Is a Cash A Look at Cash Balance Pension Plan in Corporate America EVENTFUL Diary, Journal & Blog - January writing literature reviews galvan, Cash Balance vs.

Source: Principal Financial Group. Financial Planning. Source: Getty. Related Articles What Behavior and diversity in workplace dissertation examples A b? What is a k Retirement A History of the Old Testament in the Bible Stay up to date on news A Look at Cash Balance Pension Plan in Corporate America retirees and seniors:. SmartAsset Financial Advisors. Find An Advisor.

Web hosting by