Archive for May, 2009

Now is the time to purchase fixed assets
May 8th, 2009

Time has not yet run out on the opportunity to take advantage of the 50-percent first-year, or bonus, depreciation for most new restaurant equipment and certain leasehold improvements placed in service before Jan. 1, 2010.  Please note that the payment date does not determine the date placed in service.
Taxpayers can also still take advantage of the increased Section 179 expense for qualifying assets.  For tax years beginning in 2009, the expensing limit is $250,000 and the investment ceiling limit is $800,000. The amount eligible to be expensed can’t exceed the taxable income from the active trade or business.
Unless there are further law changes, the bonus depreciation goes away after 2009. For 2010, the Section 179 limits fall to $125,000/$500,000, adjusted for inflation, and then to $25,000/$200,000 for 2011 and beyond.  Given the lead time required to place equipment orders, process loan requests, and schedule and complete installation, now is the time to begin the process.
Keep in mind that the bonus depreciation and Section 179 deductions are merely timing differences as to what year or years the cost of the assets will be deducted.  Larger deductions this year mean smaller deductions in future years.
If you don’t use these accelerated write-off opportunities, you still write off all of the asset’s cost — just over a longer period of time.  Also, please note that many states did not adopt these federal accelerated expensing options; therefore, individual state taxable income could be significantly higher than federal.
Please contact us at 770-785-7855 with any questions.

Cafeteria plans good for employees, business
May 8th, 2009

Some business owners may require their employees to pay, on an after-tax basis, a portion of the cost of their health insurance coverage under the company’s health insurance plans. If so, then we strongly recommend implementing a Cafeteria Benefit Plan.  A cafeteria plan can be an important feature in your employee benefits package to help attract and retain employees as well as reducing your employer FICA liability.
What is a cafeteria plan?
A cafeteria plan is a type of employee benefit plan that permits each participating employee of the employer to choose among two or more benefits consisting of cash and qualified benefits, such as medical, disability, group-term life insurance coverage and dependent care assistance. Thus, workers may match benefits to their own needs and priorities. A plan can be as simple or as complex as the employer wants, ranging from a plan that allows only salary deferrals to pay the employee portion of health insurance, to one offering an extensive menu of benefits.
What are the tax benefits to the participating employee?
Cafeteria plans may be the most attractive way of providing certain benefits to employees. A cafeteria plan allows employees to reduce their salaries and to use the forgone amount to purchase on a pre-tax basis benefits not fully subsidized by the employer. Thus, as the employee’s salary is reduced, so is his income tax liability.
What are the tax benefits to the employer?
The employer’s contributions to a cafeteria plan are fully deductible. In addition, the employer FICA liability will be less because of the reduction in taxable employee wages.
If you are interested in implementing a cafeteria plan and would like more detailed information, please contact us and we will get you started