One of the most important organizations that has always helped small businesses is SCORE with its 300 chapters and over 10,000 volunteers. They are there to offer help when entrepreneurs want it. Now during the pandemic, their free assistance is needed more than ever.

SCORE has established a special Resilience Hub to let small business owners connect with a mentor and help them navigate to specific COVID resources, discounts, grants, training materials and guides for industries. This site includes how to access a network where people can learn from each other.

Remote work was already on the rise before Covid-19 forced many employees to transition to working from home. Today, as many organizations continue to operate remotely due to the pandemic, how can business leaders address the array of security challenges their companies face?

Network security should be top of mind for businesses of all sizes across a variety of industries. While the list of companies experiencing major security breaches in recent years includes some well-known enterprises, addressing security threats is an especially hefty challenge for small businesses—particularly if those businesses lack the resources to implement strong controls and educate staff.

One of the primary appeals of the contemporary small business, in my opinion, is the family-centric culture that comes from a close-knit team. While in modern America, many may feel swallowed by corporations, the notoriety of the small business proves that people still find value in the intimate workplace.

Every industry across the globe has felt the staggering impacts of Covid-19, but small businesses were put under specific strain. Based on what I've seen, however, they have proved their undeniable resilience.

As a proud member of a small business myself, I have felt the social deprivation of working from home firsthand. Similar to my own experience, members of thousands of other small businesses who have worked alongside each other for lifetimes have had to adjust to maintaining an office culture from the comfort (or discomfort) of their home. While online interactions can never compare to the in-person experience, many small businesses, like my own, found that being apart actually meant working closer together than ever before.

There are three types of CRMs that work with Gmail. Some - like Zoho , Sugar, Insightly and GoldMine - have their own, built-in email clients that can connect to Gmails server to send and receive messages. Others - such as Salesforce - will just quickly integrate with Gmail right out of the box via a plug-in and then synchronize messages back and forth. And then there are a few – like Copper and Streak - that work right inside of Gmail.

Here is something good that has come out of the pandemic. Because people have had fewer buying opportunities, the countrys personal savings rate is the highest it’s been in 30 years. Retail sales have continued to grow and consumer confidence is at a six-month high.

But the biggest impact on the sales of smaller retailers has been online. According to the U.S. Department of Commerce, online sales have increased more than 44% compared with the previous year and, as more shutdowns, quarantines and other disruptions potentially loom, many expect this trend to continue. Small retailers in this area know this, and many have been investing heavily in e-commerce to succeed this holiday season.

Recovery is slow: In fact, more than half (56%) have experienced a slower recovery than expected after shelter-in-place orders began to expire, with nearly half of small business owners fearing they may need to shutter their business within six months if pandemic restrictions are not lifted or if shelter-in-place orders resume in the near-term.
    
Survival requires adaptability: Yet despite fear of survival, owners are demonstrating resiliency and adaptability, with about a third (30%) creating products/services to meet new needs and half (50%) of those with an online presence increasing their digital footprint to meet the moment. And, they’re looking for help in making those changes – nearly 70 percent of female and 60 percent of male small business owners say they need one-to-one small business advice.

They depend on their community: While small businesses continue to be important facets of communities, many small business owners have noted changes in their customers and worry that people will not be able to afford doing business with them. However, half of small business owners believe that there seems to be a renewed interest in shopping locally in their area.

The end of the year is a critical time for businesses especially for small businesses that are looking to make the most out of holiday shopping. 23ABC spoke with two business consultants on how small businesses can adapt to make the most out of this final stretch of 2020.

Starting with investing in your community.
Their second piece of advice is to build an honest and transparent relationship with your customers and business neighbors.
As times have slowed down, they are encouraging business owners to take a good look at who their ideal client is and reshape their marketing for them.
Lastly, being collaborative and creative.

Kudos matter now more than ever. On average, social media endorsements of small businesses generate 23% of revenues, according to data from Amex.

Few things put more smiles on the faces of small-business owners than social media recommendations about their products or services, but now, new research proves that those online shoutouts also put cash in their bank accounts.

On average, social media endorsements of small businesses generate 23% of revenues—or approximately $197 billion—new data from American Express finds.

Google has beta-launched a program for small businesses (SMBs) to help them become better marketers on Google. Called Small Business Advisors (SBA), the program offers 50-minute individualized consulting sessions on a range of products from Google My Business to Ads and Analytics to YouTube.

No enterprises or agencies. Google told me in an email that the program is is open to small businesses in the United States with an active Google account.  Large businesses, marketing and SEO agencies are not eligible to participate. The cost is $39.99 per session. There’s no fee through the end of 2020.

Small business does not appear to be defined, so theoretically companies with up to 100 employees or even 499 employees (the U.S. Small Business Administration definition). As a practical matter, the program will likely be utilized by very small businesses with relatively few employees. Suspended accounts are not eligible to book an appointment and must get reinstated before gaining access to the program.

The Internal Revenue Service is planning to ramp up audits of smaller businesses and their investors by about 50 percent next year, following years of persistently low examination rates, an agency official said Tuesday.

The result could be a surge in audits of companies ranging from mom-and-pop retail stores and technology startups to investment funds that have historically faced only infrequent checks thanks to the time and effort required at the IRS.

This week the Wall Street Journal reported that nearly 300 companies that had received loans through the Paycheck Protection Program had filed for bankruptcy. The very next day, the Journal highlighted Americans using the Covid-19 pandemic to take their first steps on the entrepreneurial journey.

Existing small businesses continue to struggle. New entrepreneurs are seeking opportunities. That is what the data appears to be saying about the state of small business and entrepreneurship amidst the third Covid-19 wave.

Small Businesses Suffering, See Rough Road Ahead

In early November, Goldman Sachs surveyed nearly 900 small businesses. They found that four in 10 had laid off employees or cut compensation. If further government relief were not forthcoming, another 38% said they would need to do the same. Half of small business owners had stopped paying themselves.

1. Be clear in your direction.
2. Know who your customer is.
3. Focus on the channels that matter.
4. Only talk about what matters.
5. Remember what makes you special.
6. Find your niche.
7. Learn something new.
8. Plan well to save time.
9. Engage with your customers more.

Have you heard that 90 percent of new businesses fail? Or that 50 percent of new businesses fail? Stick around in the entrepreneurial community long enough and you’ll likely hear a wide spectrum of claims, mostly falling between these two extremes.

But what is the true failure rate of small businesses? And should it influence your decisions as an entrepreneur?

What we know about the failure rate of small businesses

According to data from the Bureau of Labor Statistics, as reported by Fundera, approximately 20 percent of small businesses fail within the first year. By the end of the second year, 30 percent of businesses will have failed. By the end of the fifth year, about half will have failed. And by the end of the decade, only 30 percent of businesses will remain — a 70 percent failure rate.

1. Have an adaptable business model
2. Diversify supply chain operations
3. Create an omnichannel customer experience

1. Organize your business documents
2. Have a scalable technology plan ready
3. Plan to spend money to earn money
4. Prepare to outsource tasks
5. Create a blueprint for business continuity
6. Develop a strategy for balancing work and life
7. Build your team

Arguably the most critical aspect of digital transformation, digital payments ensure that small merchants or kiranas can continue to accept or send money and preserve cash flow in an increasingly contactless world.

The Covid-19 pandemic caused an unprecedented financial ripple effect in nearly every industry but hit the small businesses that define America the hardest. Throughout the first six months of the pandemic, more than 60 million Americans filed for unemployment insurance. That’s 23 million more than the 37 million who filed claims during the 18-month Great Recession.

By now, many small-business owners who made the difficult decision to shrink or temporarily pause are rebuilding. As they have already learned, though, rebuilding your business is not as easy as flipping a switch and watching your business rebound to its pre-Covid-19 state. As a small-business owner, your plan to rebuild should focus on rehiring employees who can fulfill your immediate needs while simultaneously paving the groundwork for growth in the new norm.

Finding and keeping the best talent has never been easy. It became the top concern for HR professionals this past year, with more than two-thirds reporting struggles with their recruitment and retention efforts. While the reasons for those struggles run the gamut, they often relate to attracting qualified candidates (49%), retaining star employees (49%) and issues with the talent-culture fit (42%).

For small and midsize businesses (SMBs), any difficulties with finding talented hires end up wasting precious resources. Worse yet, the cost of a bad hire is equal to 30% of the hires first-year salary – without factoring in the potential losses in revenue and time associated with onboarding the wrong person for a job.

Pivoting has become one of those hot topics in mainstream business media. When an economic crisis arises, countless think pieces are written about how to pivot your business to respond to the external environment. But pivoting is a huge gamble, requiring deep resources and the ability to fail with minimal consequences (hence why the term is often associated with venture-backed startups). And, one must ask oneself if there’s even a solid reason to pivot.

As a small business owner, while you might feel pressure to look anywhere and everywhere to increase your top line, resist the urge to pivot. Instead, focus on your mission.  

Define your mission
In the college admissions space, disruption is something we are used to. While high-profile recruiting scandals and a renewed focus on racial inequities have dominated headlines recently, a larger cultural shift was quietly occurring.

The accelerated churn rate of the S&P 500 indicates that at least half of todays top U.S. companies will get replaced by someone new over the next decade. That is a mind-boggling market value of $13.5 trillion up for grabs. And the craziest part is who replaces the old market leaders: It is often companies that, just a few years before, were considered scrappy little startups.

To unseat a champion, a smaller company has to play by a completely different set of rules.

1. Change the basis of competition.
2. Exploit taboos.
3. Optimize for power.
4. Dramatic simplification.

The United States has seen an increase in new businesses formed this year. According to the United State Census Bureau, in week 50, there were over 86,000 new business applications nationwide — representing a 38% increase over filings during the same week in 2019. The challenges small businesses have experienced in 2020 have led to some core lessons that those in the business community need to apply — whether they own an established small business or a newly formed one.

Minimum wage is a complex issue for small businesses, says the Small Business Development Center in Binghamton.

The SBDC adds that, typically, small businesses have a close relationship with their employees and if they could pay them more originally, they would.

They add that they believe some business owners may have to pick up the slack in order to keep costs low.

In a world in which e-commerce has become a necessity for nearly every retailer, it can seem they have only two options: list their goods on marketplaces run by giant companies, or sell to consumers directly, hoping they will make more on each transaction despite fewer sales. In other words, either join a dominant marketplace like eBay , Walmart or Amazon —which by itself represents 38% of U.S. online sales, according to Digital Commerce 360—or hope they can find customers through advertising and word of mouth.

For many small- and medium-size sellers, a third option has emerged, embodied by the rising star of e-commerce, Shopify . This approach gives merchants access to cloud-based third-party services such as payments and fulfillment, but lets them maintain more control of their branding and customer relationships than the biggest marketplaces offer. Shoppers might not even know they’re buying something from a Shopify-powered retailer, and that’s the point.

In addition to making goods available on sellers’ own sites, these software companies—which also include BigCommerce and Magento—can perform the laborious task of listing merchandise on the giants marketplaces. By becoming hubs for managing sales through multiple channels, including social-media platforms, they represent real competition for Amazon and its ilk, potentially giving merchants more leverage when dealing with those entrenched giants.

Specific PPP provisions of the new law include:

Appropriates an additional $7.25 billion to the U.S. Small Business Administration (SBA) for the PPP program

Expands PPP eligibility to include:

~ Additional tax-exempt nonprofits, such as 501(c)(5) labor and agricultural organizations and community locations of larger nonprofits, whose lobbying activities do not comprise more than 15 percent of its activities
~ Internet publishing organizations assigned a North American Industry Classification System (NAICS) Code of 519130 and engaged in the collection and distribution of local or regional and national news and information
~ Adds COBRA premium assistance as an allowable payroll cost under the PPP program.

Invoice financing is a type of business funding wherein the business sells its outstanding invoices or account receivables (A/R) to financing companies to get an immediate cash flow boost. The financing company takes over the invoices, and sometimes be in charge of collecting customer payments (as in invoice factoring).

Invoice financing is a popular financing option for businesses that have to wait 30,60, or 90 days to get their clients payments.

A survey of small businesses conducted by Appalachian State University in coordination with Selective found that cybersecurity and technology issues were growing concerns for 44% of survey respondents due to the COVID-19 pandemic. Yet, only 20% of survey respondents have cyber insurance coverage.

The findings highlight an awareness gap among small businesses about the risks they face from cybercrime. Twenty-eight percent of data breaches impact small businesses, and phishing attacks account for over 30% of breaches, making them the biggest cyber threat for small organizations.1 Cyber coverage from Selective can help small businesses manage and mitigate risks with comprehensive coverage options and cyber threat education.

Here are five things in technology that happened this past week and how they affect your business. Did you miss them?

1 — Google plans to scrap third-party cookies by 2022.

Google announced this past week that it plans to stop the use of tracking cookies on Chrome by next year and— instead— will replace cookies with a profiling system

2 —Recruiting startup SeekOut raised $65M to take on LinkedIn and other talent acquisition companies.

3 —Small business owners adopted new software in 2020 and increased tech budgets in 2021.

The data on business startups and closing show a mixed bag across the United States. Some states have seen an increase in new business applications over the past year (February to February) and some states have shown a decline. The Mid-Atlantic and Northeast are among the weakest regions, with Virginia showing a 3.5% decline in year-over-year applications.

Business closings are harder to track month to month because small business operators do not always file documents when they shutter their doors, and it is hard to distinguish between permanent and temporary closings. Closings do show up eventually in tax filings and articles of incorporation.

This month almost 135,000 businesses are showing strain, as the impact of a year of Covid-19 restrictions reverberates.Businesses in the services and retail sectors accounted for almost three-fifths of those showing distress, said Mazars. Sectors allowed to reopen were faring better, with construction and manufacturing businesses making up 7.9 per cent and 6.7 per cent of those in distress respectively.

For some of the smallest businesses that applied for forgivable loans through the Paycheck Protection Program, waiting just a few days or weeks would’ve gotten them thousands of dollars more.

But they had no way of knowing what was coming.

The Biden administration in late February announced a slew of changes to the loan program, which offered forgivable loans in return for keeping employees on a company’s payroll, after it reopened in January with $284 billion in funding. Those amendments included an adjusted loan formula that would mean larger amounts for sole proprietors as well as expanded eligibility for small business owners with certain criminal records, were delinquent on student loan debt or were non-citizens.

The Small Business Administration has extended deferment periods for all of l its disaster loans made either in 2020 or 2021, the agency announced on Monday.

The extended deferment includes the SBAs Economic Injury Disaster Loan – or EIDL – program, which many businesses that did not qualify for Paycheck Protection Program loans or other funding used to bridge the losses incurred during the COVID-19 pandemic.

All SBA disaster loans made in 2020 will have the first payment due date extended from 12-months to 24-months from the date of the note, the agency said. Disaster loans made in 2021 will have a first payment due date extended from 12-months to 18-months from the date of the note.

Every business was considered small at some point in its history. Some go big, but some stay small and do quite well. The size of a business in common measurements (revenue, employees, locations) is less relevant than the size of your customer base and the corresponding loyalty of customers.

Millions of businesses across the country are struggling, yet many are not taking the latest version of government aid: a second round of Paycheck Protection Program (PPP) loans. This is not happening because businesses are better off than they were last year; it is because the PPP still contains structural blockers that are stopping businesses from obtaining the aid they urgently need.

A recent survey by the Federal Reserve Bank found that 30% of U.S. small businesses — totaling 9 million — fear they will not make it through 2021 without more government assistance. And yet, many are not applying for aid. The Small Business Administration (SBA) reports that seven weeks after round two of PPP began, nearly half the funds remain, and only 31% of 2020 PPP loans have been forgiven to date.

Title: Can You Go Back to Normal After Psychosis?
Category: Diseases and Conditions
Created: 6/28/2022 12:00:00 AM
Last Editorial Review: 6/28/2022 12:00:00 AM

Title: Can You Get Yourself Back to Normal After Psychosis?
Category: Diseases and Conditions
Created: 7/5/2022 12:00:00 AM
Last Editorial Review: 7/5/2022 12:00:00 AM

We are aviation specialists with a proven track record as an Operator, and we manage one the largest fleets of widebody aircraft. The Company; Our Services; Our Fleet; Job Openings; Contact Us; We are an Aircraft Management Company. Learn About Us View Our Fleet. How we can help you ? Business Jet Management. Your aircraft is your asset. We’ll manage it like one. Charter and Jet cards ...

Die Polizei in Irland ist einem geheimnisvollen polnischen Verkehrsrowdy auf die Spur gekommen, der landauf, landab die Straßen unsicher zu machen schien - denn gegen den seltsamen Herr Pravo Jazdy liefen Dutzende von Verfahren wegen Schnellfahrens und Parkverstößen. Und irgendwie schaffte es Pravo Jazdy immer, sich der Justiz zu entziehen, indem er eine falsche Adresse angab. Nun hat die Polizei dar Rätsel allerdings gelöst, wenn auch mit dem Ergebnis, dass sie die Bußgelder wohl in den Kamin schreiben kann. Zur Auflösung hier nur so viel: Es wäre nicht weiter verwunderlich, wenn auch ein französischer Adliger namens Permis de Conduire auf der Fahndungsliste stünde.

1. Open a new file and set your font; Verdana; 18pt
2. File > Templates > Save as Template
3. Select > My Templates then tick the "Set as default template" box
4. Enter a name at the top then save and close the file.

The next time you open Writer, the settings should be in place.

Above 50?..IQs are important to observe your mental development!

Autor: Redakcija 031 Naslov: Iz prodaje se povlači himalajska sol u mlincu
Postano: 13.11.2024. 12:15 (GMT 1) Državni inspektorat Republike Hrvatske izvijestio je o opozivu proizvoda Kotanyi Himalajska sol, 88g, L426651, rok trajanja 24.03.2029., L429757, najbolje upotrijebiti do 19.06.2029., L418800 najbolje upotrijebiti do 11.11.2028. zbog utvrđenih čestica plastike nastalih prilikom mljevenja soli.

Proizvod nije u skladu s Uredbom 178/2002 o utvrđivanju općih načela i uvjeta zakona o hrani, osnivanju Europske agencije za sigurnost hrane te utvrđivanju postupaka u područjima sigurnosti hrane.

Podaci o proizvodu:
Proizvođač: KOTANYI GmbH, A-2120 Wolkersdorf, PF 66 Austrija
Obavijest se odnosi isključivo na proizvod sa gore navedenim podacima

Proizvođač poziva sve potrošače koji eventualno posjeduju spomenute proizvode da im se obrate na e-mail adresu: info.hr@kotanyi.com.


Foto: Pixabay.com/Ilustracija

Autor: Redakcija 031 Naslov: Grb grada Malog Lošinja dvojici pripadnika Jedinice specijalne i interventne policije Osijek
Postano: 13.11.2024. 16:00 (GMT 1) Povodom Dana Grada Malog Lošinja dodijeljen je Grb Grada i dvojici pripadnika Jedinice specijalne i interventne policije Osijek, za izuzetnu hrabrost, stručnost i profesionalnost u realizaciji složene akcije izmještanja mine iz lošinjskog akvatorija 14. ožujka ove godine.

Robert Dorinka i Tomislav Slabinac su ronioci Jedinice specijalne i interventne policije Osijek, koji su sudjelovali u izmještanju mine zaostale iz 2. svjetskog rata, koja se nalazila u lošinjskom akvatoriju.

Da se radilo o opasnom podvigu, potvrđuje činjenica da je zbog bombe teške oko 1000 kilograma, uoči početka akcije zbog mjera sigurnosti u potpunosti evakuirano stanovništvo iz takozvane crvene zone, odnosno područja uvale Čikat. Osim toga je tijekom akcije bila na snazi privremena zabrana cestovnog, pomorskog i zračnog prometa.


Tekst i foto: PU osječko-baranjska

Une porte-parole de la partie continentale de la Chine a condamn� mercredi les politiciens du Parti d�mocrate progressiste (PDP) dans la r�gion de Taiwan, qui tentent de faire obstacle aux �changes normaux entre les deux rives du d�troit de Taiwan...

Interesting.  I’ve been an HSBC business customer for 10 years, and was surprised to find out that they are no longer interested in small businesses in Canada.  Their new focus, I was told on the phone, is international businesses with sales over 3 million dollars. So, while they’ve graciously ‘grandfathered’ my business account, I can’t … Continue reading HSBC not interested in small businesses in Canada →

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