No business owner ever expects it to happen. After closing up for the day or the week, a phone call at 6 a.m. lets you know that the severe storm that passed through town overnight took a punch at your small business, with flood damage, fire, tornado or other damage.

Or it could have been an earthquake or hurricane. Still, what may have taken years to build is in ruins. How do you begin to recover?

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It is easier than ever to start a business from scratch without any overhead costs, which is great news for aspiring business owners who do not have the capital to start anything big. But to grow a business from an idea to something profitable, you do have to put some money into it. Here are five investments you should make to grow your business.

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Apps mainly do two things: They either distract us or keep us on track. If you are a busy entrepreneur or someone who works for one, it is best to stick to the latter kind, at least during working hours, especially if you want to be a productivity powerhouse.  

Productivity apps can give you -- and, yes, your boss, too -- a leg up on putting your most organized, efficient professional foot forward.

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You nominated them and now it’s time to cast your vote to support your pick. Small Business Trends and Small Biz Technology bring you the Small Business Influencer Awards 2015. Here’s a chance to celebrate the people, businesses, and even apps that have made an impact in the small business market.

Even if you missed the nominations, you can still jump in and vote for your favorite. But you might want to hurry. There is less than a week left to vote!

To see a full list or to submit your own event, contest or award listing, visit the Small Business Events Calendar.

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Pricing can be quite difficult to compute.

There are so many factors to take into account it boggles the mind. The simple way to approach pricing for a product is to create a spread sheet that will calculate it for you.

For example, when I make a gluten free mix, the Food and Drug Administration requires I report each product based on total grams, converted to ounces and pounds, which is then reported on the box. The ingredient list on the box is reported by heaviest ingredient to the least weight. This is used to calculate the Nutritional Statement by an outside company based on each serving. WHEW!

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Small business owners already have a lot on their plates during this time of year, so when it comes to holiday marketing, it can all feel a bit overwhelming. Staples is here to help. Beyond being the one-stop shop for everything small businesses need to make more happen, below are some tips to help small businesses capitalize on this seasons top trends.

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People make resolutions about losing weight, stopping smoking, and other habits that they probably will not give up. Business owners should take advantage of this time-for-future-thinking opportunity to set goals to enhance their businesses. Here are five resolutions to help entrepreneurs have a more profitable 2016.

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Regardless of the size of the business, ultimate responsibility for success lies with the CEO. If you’re a small business owner, thats you. And the most critical CEO tasks that result in success or failure lie in the knowledge and practice of financial management fundamentals.

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Blood pressures are rising at many small businesses now that tax season is underway.

Although many owners hire accountants and attorneys to complete their income tax returns, taxes are a hassle. In a survey released last year by the advocacy group National Small Business Association, nearly 60 percent of the owners surveyed said the administrative burdens were the biggest problems posed by federal taxes. And 85 percent of the more than 675 owners said they relied on a professional to prepare their returns.

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Generally speaking, it allows small business owners to write off up to $500,000 worth of qualified expenses in the year they are made, up to $2 million, rather than amortizing them over a period of years. In addition to spurring immediate spending, which benefits the economy, the deduction theoretically frees up cash that business owners can use to grow their businesses.

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If you are like most small business owners, you spend a lot of your time researching ways to save money. After all, running a business can quickly break the bank. There are office supplies to buy, employees to pay, and software to purchase and install, among many other things.

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Starting a business is a bit like falling in love for the first time: it is exciting, exhilarating, and new. You want to savor each moment and be your very best every minute of every day.

After the adrenaline rush subsides, however, reality sets in and you may discover that not everything about running a business is so wonderful. There will be tasks you don’t like to do, activities you find stale and boring, technical difficulties to test your patience, and clients and vendors who might challenge you.

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Enthusiasm—it can be both a blessing and a curse for new entrepreneurs. Passion for your business can fuel your success, but it can also drive you to operational and financial ruin if you do not take the time to think decisions through.

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Apps consume the majority of mobile media time, but local business apps struggle to compete for attention. Columnist Wesley Young looks at how SMBs can instead use space on the most popular apps to get in front of customers.

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Everyone by now is well aware that IT networks are subject to various cyber threats, and small and medium size businesses (SMBs) must protect against them just as larger enterprises do. But these threats are not limited to the online world. SMBs also have to protect the IT equipment itself from physical dangers.

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After almost two decades, the federal government for the first time has been able to meet its goal of awarding five percent (worth $17.8 billion) of all contracts to women-owned small businesses.

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1. Have a point of view and unique product offering

Commodity businesses such as books and electronics were the first to see e-commerce really squeeze out mom and pop stores. The product offering is uniform and easily comparable.

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Motivation can be hard to come by, especially in the face of challenges or difficult work. When you are thinking about implementing that new idea, or starting that new company or beginning that new regimen -- this is the new year, after all -- it is easy to talk yourself into procrastinating. Or worse, avoiding your goal altogether.

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Ninety-four percent of independent workers love the control that independence provides, but 67 percent say their top concern has to do with inconsistent income in their micro businesses.

This is according to a recent survey of more than 600 independent workers conducted by the folks behind Invoice2go, an invoice app that allows small businesses to create and send professional invoices from any device.

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I work with a ton of small businesses, and I love it. I love seeing different business models, helping entrepreneurs with limited resources and experience, and getting unique perspectives that you just can not find in bigger, often more cookie-cutter business establishments. One-on-one, we can share information and insights, and build a strategy that is helpful for their business.

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Being an entrepreneur or business owner is, for a lot of people, choosing to work 80 hours a week for yourself to avoid that 40 hours you’d be working for someone elses corporation. That was absolutely true for us when we first started. In our first few months as entrepreneurs we each got in a minimum of 80 hours per week - that’s a lot of work! We realized pretty quickly that we needed to change something. We were drowning!

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Small businesses are a crucial part of Orlandos economy, but there's no denying that there are challenges in operating one, especially in the first few years.

In fact, there are more than 28 million small businesses in the United States. According to data from the Small Business Administration, in 2013 about 630,000 small businesses launched, and of those, close to 80 percent still had their doors open in 2014.

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As someone that has worked for small technology-based businesses for years, I have come to learn some of the best habits of small business geniuses. While most business owners are unique and every business is different, there is one very important trait that is shared by the most successful ones: they track everything.

Tracking is one of the key pillars of a successful business. Without tracking, the business owner simply cannot know what works and what does not. It is also difficult to see where the inefficiencies are and how they can be improved upon.

The best way to become a data genius is to get into the habit of tracking everything when it comes to your business, and that includes the website, customers, and employees.

Since my experience mainly covers online and web businesses, most of the tips in this article will be relevant to those types of businesses. However, they can be modified and applied to just about any business.

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Some people think starting a business will be this great thing to do and then as they move forward with the process quickly learn it is not always rainbows and unicorns.

Sure, it has it perks - you become your own boss, choose your own hours and the clients you would like to work with along with how much to charge them. Then, theres one of my personal favorites - you choose the dress code!

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It takes more than a solid business plan and gumption to succeed in business nowadays. Growing your company in a competitive businesses landscape—and attracting interested investors—requires a solid footing in technology.

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Britains vote to leave the European Union is already taking a toll on some small U.S. businesses, with canceled tour bookings in New York and U.K. retailers cutting back their orders from American suppliers.

The plunge in the pound against the U.S. dollar after the vote three weeks ago makes goods and services more expensive for those in the U.K. and means British tourists get less for their money while traveling elsewhere.

Many of the companies are trying to plot a course without clarity on exactly when or how a split may occur.

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Running a business is like running a marathon. You have the law, the government, and the competition all eagerly expecting you to make a mistake. Unlike in the marathon, any mistake you make cannot be forgiven. That being said, many of the mistakes businesses make are usually due to negligence and ignorance. Notwithstanding the intent behind these mistakes, you can be made to pay a huge price for committing them.

However, nothing can hurt your business as much as running afoul of the law in the process of running your business. Small business owners can pay the hardest for legal mistakes.

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Facebook  is to let small businesses in emerging markets sell to customers for free directly through their Facebook pages, the social media company said on Wednesday, marking a new effort to build up potential advertisers in its fastest-growing regions.

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Global mobile traffic now represents roughly 60 percent of internet traffic, making mobile apps a must-have for businesses. But consumers today increasingly expect an Amazon-like experience online. Small businesses do not just need to build a mobile app, they need to build a great one.

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1. Contribute to your community.
For Chiodo, offering his time and resources to the community is not a chore so much as it is part of his commitment to doing the right thing.

Last summer, for example, Chiodo and his team installed four new air conditioning units at a local animal shelter where the cooling system was on its last legs. Instead of handing the shelter a hefty bill, Chiodo worked with his distributor to have the equipment donated. He handled the labor for free.

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When small business owners think about getting involved in SEO, they often become intimidated (or frustrated). They see massive corporations and large businesses dominating the search engine world, and it is no secret why they are able to. They have access to tens of thousands of dollars (or more) to spend on online marketing, a highly talented full-time staff to oversee campaign management, and perhaps most importantly, they have been around for years, so they have had time to cement their authority in their respective niches.

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Is your business protected from a data breach? The largest data theft in history:

1.2 billion internet user names and passwords compromised
420,000 websites impacted
Well-known national brands and small companies affected.
Here are ten things you can do to protect your business.

1. Secure sensitive customer, employee or patient data.

Store paper files and removable storage devices (such as thumb drives and CDs) containing sensitive information in a locked drawer, cabinet, safe or other secure container when not in use.
Restrict access to sensitive data to those who have a need to know. Give employees access to only the information they need to do their jobs - whether it's online or in paper form.

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Marketing is a three-syllable word that seems so simple, yet encompasses so much. Marketing is a multi-faceted approach to promoting a product or service. Both traditional and unconventional marketing methods have a place in the small business world. Marketing helps small businesses focus on building their brand and identity.

There are few limitations to marketing options, and the opportunities listed here are just a few that will generally result in a decent ROI (Return On Investment) for most small businesses. That said, do not be afraid to be creative -- no one knows or understands a small business like its owner, so think outside of the box and don't be afraid to experiment.

Innovative Ways to Market

With the ongoing move of smart phones towards near-ubiquity, much of society has come to take these do-all devices for granted. In overcoming the novelty of smart phones, many of us have lost our one-time sense of awe at this technology, and have ceased marveling at the effect it has had on the world around us. However, it is undeniable that smart phones have exerted a huge and multi-faceted impact on society, and continue to do so to this day.

The Advent of Access: How Smart Phones Have Changed the World

Running a business is complicated, which means there are some factors or tasks that tend to get overlooked. From basic concepts to more involved processes, members of our small business community have plenty of tips for dealing with those sometimes overlooked business tasks. See the full list of tips below.

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Perhaps it is time to embrace some new first principles.

Making a first impression is not easy. People are just so sensitive these days. Sensitive about themselves, that is.

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As a general rule, true creativity is lauded across the globe. From the iconic Burning Man Festival, which is held annually in the Black Rock Desert, Nevada, to ever-diversifying International Women’s Day, there are recurring events that celebrate the innate abilities and the creative potential that exists within us all.

Conversely, creativity is typically viewed as an inherently disruptive force in the world of business and commerce. After all, the boldness and distracting nature of innovative thinking is often considered to be detrimental to the basic mechanics of business management, while the endless pursuit of productivity often forces entrepreneurs to eschew creativity in favour of something more reliable.

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As Federal Reserve officials gathered to issue their monthly assessment of the world's largest economy, a new study lays bare the extent to which many small firms are pressed for cash.

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Why Your Business Needs Virtual Assistants

If you are looking to de-clutter your business life so you can focus on serving your clients and customers, then virtual assistants are the perfect solution. They excel at the everyday tasks that keep your business up and running and can also handle the more complex tasks that you’re ready to hand off to someone else.

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For small and local businesses, it can be hard to stand out against larger nationwide brands. However, content marketing can help your small business attract attention, and for relevant niches in your industry, too.

Content marketing is a marketing approach that involves creating and distributing relevant and valuable content to your prospective audience in the hopes of driving a consumer action, and it has numerous benefits for small businesses. It can give you the opportunity to not only expand your company, but also to build your reputation and establish a place as a trusted leader in the industry.

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When you run a business, it’s important to always keep an eye on the future if you want your business to grow and improve. Members of our small business community understand what it takes to keep businesses moving forward. Here are some of their top tips.

Make Sure Your Small Business is Prepared for the Holidays

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As a small business, you are uniquely positioned to be able to compete for above average margins, and this should be your focus.

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Visitors seldom leave a small business website with a neutral impression. For most prospects, your small business is an unknown quantity, so their first impression of your company will either make them more comfortable doing business with you or less comfortable. For this reason, you want their first experience with your website to inspire them to contact you—not your competitor.

These are the 10 biggest website problems that can drive potential new business away:

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Interconnectivity is at the core of our digital universe, and with tech advancements, staying on top of trends is critical to career success. With 86 percent of U.S. adults1 18-29 owning a smartphone, most students, recent grads and longtime employees are seasoned in adopting new technologies.

Preparing for the future of automation and digital security can help jobseekers adapt to the future of tech. As you consider your career goals in todays digital world, there are four things to ask yourself.

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More and more hiring managers no longer view longevity on a résumé as a positive attribute. Some believe it indicates the employee lacks diverse work experience; others that the employee is complacent, or is afraid of change. This could very well be the case, but to me (and I may be coming from an old school of thought), stability on a résumé is something that hiring managers should still value. It can demonstrate loyalty, dependability, expertise and commitment.

More specifically, here is how I evaluate longevity in a potential employee, in an attempt to see if it should be embraced, rather than dismissed.

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How do you stay on top of the latest trends in your field?

I read a lot of blogs. I stay on top of Google Webmaster Central Blog, Search Engine Land and Moz Blog are ones that I read. I network with colleagues in the field to see what they’re doing, what they’re hearing and learn from them. There are a few SEO and social media marketing meet-ups in town that I attend.

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To understand the truth, we must first understand the lies that make it difficult to grasp.

1. Success means the same thing to everyone.

It does not.

Some people value success in pure cash. Some people value it in the freedom that cash buys. Some people see success in how many lives they impact for the better. And some people judge success by how well they perform any given task at any given moment.

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You stare at a blank screen for what seems like hours, waiting for your brain to come up with a brilliant idea, and it never comes. There has to be a better way to brainstorm, right?

There is--and it might be as simple as doing the laundry.

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Elon uses the Richard Feynman technique from what I have read about his approach, mixed with first principles.

... which is, basically, in simple terms: do not try to remember, but try to understand; when you understand, you will remember automatically.

Sounds simple? But yet, so many people do not do it like that. They try to cram loads of info and facts into their brains, especially students, with the result of forgetting a lot of it.

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Paying taxes is unavoidable, yet that does not mean you need to pay more than necessary. You can make smart decisions to minimize your tax burden, without running afoul of the IRS.

For small businesses and entrepreneurs, business structure impacts how you pay taxes, and potentially how much you pay as well. The biggest difference is whether the business is its own entity responsible for paying taxes or whether the business’ profits are passed along to the owners’ individual taxes.

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