With Wave’s free accounting software, you can send invoices, scan receipts, and accept online payments. Starting prices range from $0 to upward of $30 a month—so how can you find…

For instance, if an employee currently earns $50,000 per year and is entitled to a pension equal to 50% of their final salary, the ABO would be calculated based on…

If you don’t have an exact number, add 5 percent of the labor cost to the calculation for each year and you should be fairly close. The savings in hours…