On the surface, an interest rate is just a number. How that number applies to debt or equity opens up a world of possibilities. The first consideration is always whether it’s simple interest vs.

SEP IRAs and SIMPLE IRAs are ideal retirement savings accounts for small businesses and the self-employed. Knowing the plans' differences and similarities can help save you money for retirement.

Cost and administrative complexity are two of the most frequently cited reasons small businesses give for not offering a retirement plan. But the Simplified Employee Pension (or SEP) IRA and the ...