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75% of Consumers Plan to Support Small Businesses More Often

The survey shows that consumers have already been going out of their way to support small businesses. 86% of those surveyed say they have continued to support locally owned businesses during quarantine.

The research uncovers how consumers have been supporting local businesses during lockdown. For example, 77% said they have been participating in a virtual experience offered by a local business. 60% of consumers said they have been ordering more takeaways and deliveries from local restaurants.




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Small Business Administration will not name PPP borrowers

A small, overlooked federal agency is shouldering a massive relief effort for the nation's small businesses and their workers left reeling by the novel coronavirus. The U.S. Small Business Administration has committed to auditing every sizable emergency loan it approves, yet nearly two months since the $660 billion Paycheck Protection Program was launched, the agency has yet to make public the recipients of taxpayer aid.




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5 Smart Small-Business Moves to Make During COVID-19

1. Apply for a line of credit
2. Have cash on hand
3. Negotiate with your vendors
4. Be as adaptable as possible
5. Invest in safety




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The Ins And Outs Of The New Small Business Bankruptcy Option

You might have missed it amid all the goings-on since then, but in August 2019, a new law was passed that gives small businesses (and individuals/married couples) a new and simplified way to go through bankruptcy without needing to sell off their assets.

In other words, you can keep operating your business while going through and emerging from bankruptcy. And you can do it faster and cheaper than before.

The Small Business Reorganization Act added a new section to Chapter 11 of the U.S. Bankruptcy Code. Subchapter V lets entities with debts below a threshold amount go through a streamlined court process, establishing and approving new repayment plans that creditors are required to accept (creditors get input, too, but this is limited and more streamlined as well). You don't have to sell off your assets as in a Chapter 7 bankruptcy, and you can keep operating without needing to meet the strict Chapter 13 requirements or suffering the prohibitive expense of a standard Chapter 11 process.

Your business might be in dire straits, but weathering this rough patch might mean a return to profitability.




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How Technology Enables Small Business

Small businesses are a cornerstone of the American economy, contributing $6 trillion in economic output and employing 85 million Americans. Unfortunately, small businesses are also heavily impacted by the COVID-19 pandemic, with one in five closed either temporarily or permanently. With social distancing restrictions in place, small-business owners more than ever count on technology to reach consumers, market their products, and grow their business. Tech has been a critical lifeline for small businesses and consumers alike during the COVID-19 crisis.

Examining the use of digital platforms as a whole in the United States before the pandemic, the national small business survey finds that the use of digital platforms by small enterprises is ubiquitous:

84% of small enterprises are using at least one major digital platform to provide information to customers;
80% are using at least one major platform to show products and services, as well as to advertise;
79% are using digital tools to communicate with customers and suppliers; and
75% are using tech platforms for sales.

Now, during the pandemic, everything from the way consumers find and purchase products and services to the way small businesses market and ship their wares is enabled by technologies. As a McKinsey study found, the most effective way for small businesses to meet new hygiene and safety expectations is to design effective contactless experiences through adopting new technologies. For example, restaurants and retailers that have turned to digital capabilities and investments in technology fared far better since the pandemic began. In an SBE Council survey, around 76% of small businesses say that cloud services have been critical to the survival and operation of their business during COVID-19.




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Small Business SEO: Seven Tips To Rank Your Website On Google

1. Develop a professional mobile-friendly business website.

Your website must be professional and should provide a rich experience and the feel of your brand to users. Here are a few tips to make your website professional and SEO-friendly:

• Use your business logo and branding on your website.

• Make sure your website is mobile-friendly (more than half of local searches are mobile searches)

• Your website should load in less than three seconds.

• Use a clean, minimal design, and avoid fancy styles.

• Your website must be well structured and easy to use.

Many business owners waste too much money creating a professional small business website. But there is no need to waste too much money on a business website. You can create a professional website for less than $500. So do not waste more money on website design, but invest that extra money in SEO.

2. Identify profitable keywords.

The success of an SEO campaign depends on the targeted keywords. Thats why you need to choose the right and profitable keywords for your small business. All keywords are not equal; some keywords could have high search volume but not profitability, while some could be profitable but have small volumes.

Also, focus on long-tail keywords because they are easy to rank and more profitable than short keywords. The profitability of a keyword depends on the nature of the keyword. For that, you need to understand the intent behind that keyword — why a user is searching that.

For example, when a person searches ice cream on Google, they want to know about ice cream, which means it has informational intent. But when a person searches for best choco-milk ice cream near me, the person wants to eat ice cream. This will be a profitable keyword for you to target.

3. Create a separate page for each product.

I found that many small businesses list all their products on one page like the homepage, but this is not a good practice. If you want to get more profit from your local SEO efforts, then you should create specific pages for each product. That way you can rank higher for each product page for multiple keywords.

For example, if you have a clothing store website, then you need to create separate pages for each product, such as one page for jeans and another for shirts. Also, you can create further subpages, such as jeans> men jeans> blue jeans. This can boost your rankings and revenue and reduce your efforts.

4. Use schema.

Structured data is helping Google better understand webpages. That’s why it can help you rank higher and get the advantage of other SERP features like featured snippets, knowledge graphs, etc. Product schema, local business, FAQ and others are must-use schema types for every business.




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Why School Openings Matter to Your Small Business

Unless Congress extends FFCRA past its December 31 deadline or increases the number of weeks past 12, many parents have used up this time anyway. You can not run your business without employees, and employees will find it very difficult to work without schools. And if they extend FFCRA leave, it may help your employees, but your business needs people to run.




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Wear A Mask to Save Small Businesses

There is no easy way to say this: America’s small businesses are dying. Small businesses in some industries – retail, restaurant, travel, hospitality – can now be considered endangered species.

If you want to help them survive – if you want your own small business to survive – the most important thing you can do is simple: Wear a mask.

Wear a mask. It is not a political statement. It’s a way to try to stop the spread of the coronavirus, get this country reopened and save lives and businesses, especially small businesses.

Consider just a few statistics:

• Yelp reported 71,500 businesses that were listed on their site have closed for good since March 1.

• 80% of independent restaurants aren’t sure they’ll survive the COVID-19 pandemic.




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When Covid Upends Your Small Business

On March 16, Lisa Eskenazi Boyer was working up a sweat with her students one last time at her bustling Queens, New York, fitness studio. Covid-19 lockdown orders were about to take effect, and Simply Fit Astoria — along with all other local gyms — would have to close its doors later that night. She never expected it to be for good.....




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How SCORE Is Helping Small Businesses Through Their Resilience Hub

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.




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How Small Businesses Can Prioritize Network Security In The Remote Work Era

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.




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How Small Businesses Can Preserve Company Culture During Dramatic Change

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.




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What Is The Best Small Business CRM For Gmail?

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.




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How To Make Zoom Meetings Actually Enjoyable

Practice Your On-Camera Speaking Skills
Nothing is worse than having a boring presenter be it in person or on camera. Just like public speaking, presenting on camera is a learned skill anyone can achieve if they have the right guidance. Here are 10 tips to speaking on camera

Dress to Impress
Even though no one can see what you are wearing below the computer desk, you want to suit up.

Use the 8% Rule
As Michael, the CEO of Teambuilding explains Any Zoom meeting should have at least 8% of its time dedicated to non-meetings activities.




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Why small businesses are seizing the moment during the pandemic to sell online

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.




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H&R Block Study Reveals Majority of Small Business Owners Need Personal Advice to Recover from Pandemic

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.




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How small business can thrive for the holidays

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.




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That lovely Instagram shoutout could save a small business from shuttering this yearX

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.




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Googles new Small Business Advisors program aims to help SMBs grow

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.




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IRS plans a 50% ramp-up in small-biz audits next year

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.




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Small Business Struggle While New Businesses Surge: A Paradox?

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.




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How to Stop Robocalls on Cell Phones

There is little more frustrating than annoying and unsolicitied phone calls to your cell phone. In many cases these calls are also illegal. How do you stop and prevent these unsolicited phone calls and robocalls to your cell phone?

There are a wide array of tools and options that you can deploy to diminish the number of robocalls you receive.

Register Do Not Call Registry
Cell phones can be registered in the FTCs Do Not Call Registry. You can also  call 1-888-382-1222 from any phone to add it to the do not call registry.  The Do Not Call list takes you off the for-profit business call lists, but it isn't immediate. Telemarketers update their listings only periodically, so it can take up to 31 days to see results.
donotcall.gov

3rd Party Applications
There are a whole host of third party applications that strive to end robocalls and telemarketing calls. You can download applications like NoMoreRobo, RoboKiller or Spam Block.

Block Specific Phone Numbers
If you are receiving a large number of unsolicited phone calls from the same number you can block that specific cell phone number on your phone.

How to Stop Robocalls on Cell Phones




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Nine Resolutions To Start Your Small Business Year Off Strong

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.




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The True Failure Rate of Small Businesses

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.




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Three Learnings Small Businesses Should Take From 2020 Into 2021

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




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7 Strategies for Running a Successful Small Business

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




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Small business ideas: 5 steps on how to go digital with your business

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.




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How To Bring Employees Back To Your Small Business

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.




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5 Hiring Hacks for Small Businesses That Need to Stretch Their Budgets

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.




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Why Small Business Owners Need to Reconnect With Their Mission

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.




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How Your Small Business Can Take Down Goliath

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.




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Three Learnings Small Businesses Should Take From 2020 Into 2021

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.




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Small Business Development Center breaks down how raising minimum wage may affect small businesses

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.




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How Covid-19 Is Transforming the Business World, According to Scott Galloway

The pandemic is accelerating existing trends.

Covid-19 has initiated some trends and altered the direction of others, but its most enduring impact will be as an accelerant. Take any trend--social, business, or personal--and fast-forward 10 years. Even if your company isn't living in the year 2030 yet, the pandemic has spurred changes in consumer behavior and markets. This is clear in the rapid increase in online shopping, in the shift toward remote delivery of health care, and in the spectacular increase in valuation among the biggest tech firms.

The more disruptive the crisis, the greater the opportunities--and the risks.




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With Shopify, Small Businesses Strike Back at Amazon

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.




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American Rescue Plan Act of 2021: Small Business Funding

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.




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An Entrepreneurs Quick Guide to Invoice Financing for Small Businesses

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.




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Selective Survey Finds Majority Of Small Businesses Lack Cyber Insurance Coverage

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.




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Google Is Scrapping Cookies This Year, And Other Small Business Tech News

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.




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Will COVID Stimulus Help or Hurt Small Business?

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.




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Number of small businesses in distress triple pre-Covid level

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.




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How just a few days cost some small businesses thousands on their PPP forgivable loans

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.




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Small Businesses Administration extends deferment for all COVID disaster loans until 2022

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.




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Big Business Practices for Small Business Brands

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.




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Why Are Not Struggling Small Businesses Taking More PPP?

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.




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Python Challenge answers 0 thru 4... in clojure

The Python Challenge is a nifty site that presents you with a series of puzzles that it asks you to solve using python; getting each answer allows you to move on to the next puzzle.

Python is a cool language and it's a good tool for this job1 However, I'm learning clojure right now, so I thought it would be fun to try and solve a few of them in clojure. Here's my answers for challenges 0 thru 4 (warning: if you want to do these puzzles yourself, reading further now might ruin the fun)

Challenge #0 (the "Warmup")

Asks you to solve 2 to the 38th power:

(clojure.contrib.math/expt 2 38)

i.e. just use the exponent function in clojure contrib.

Challenge #1

This one throws some scrambled text at you and a clue on what the key is (ROT 2):

(defn translate [text]
  (let [lookup (vec (map char (range 97 123)))]
    (letfn [(letter? [c] (and (>= (int c) 97) (<= (int c) 122)))
            (shift-2 [c] (mod (+ 2 (- (int c) 97)) 26))]
      (apply str (map #(if (letter? %) (get lookup (shift-2 %)) %) text)))))

Create a lookup table of the chars, a predicate to test if a char is a letter. & a function to get the index of 2nd to next letter (the index loops, essentially making lookup as a ring buffer), then map across the given text, shifting by 2 if its a letter or just returning the char if its not.

Challenge #2

This one throws a big hunk of random data at you and suggests you pick out the 'rare' characters:

(defn filter-file [path]
  (let [fs (line-seq (clojure.contrib.io/reader path))
        lookup (set (map char (range 97 123)))]
    (apply str (mapcat #(filter lookup %) fs))))

A quick visual scan of the text led me to a strong hunch the "rare"2 characters were lowercase alpha, so:

Re-use our lookup table from the last challenge; this time make it a set, then use the set to filter each line of the file denoted by 'path' (I first saved the text to a file to make it easier to work with); use mapcat to flatten the lines out (this has the effect of stripping empty lines altogether); apply str to the resulting sequence to get the answer.

Challenge #3

This one's a big hunk of text too, so a quick refactoring of our last solution results in a more abstract (and higher-order) function that takes a filter function as an additional parameter:

(defn filter-file [filter-fn path]
    (apply str (mapcat filter-fn (line-seq (io/reader path)))))

the filter from challenge #2 thus becomes an argument; partial works nicely here:

(filter-file (partial filter (set (map char (range 97 123)))) "path/to/file")

Now we can make a new filter for challenge #3. This one will need to find character patterns that look like this: ABCxDEF. We'll need grab x. This one just screamed regex at me, so here's a filter that gives us the answer:

#(second (re-find #"[^A-Z][A-Z]{3}([a-z])[A-Z]{3}[^A-Z]" %)))

An anonymous function3 that uses re-find to match: "not-cap followed by 3 CAPS followed by not-cap followed by 3 CAPS followed by not-cap"; the second element of the resulting vector (because we use parens to create a group) produces x; mapcat et al do the rest.

Two big assumptions/limitations here: assumes each target is on its own line, and that the target pattern wasn't on the beginning or end of the line (which was good enough to get the answer).

Challenge #4

This challenge requires one to follow a url call chain, passing a different number as the argument to a 'nothing' parameter each time. The resulting page text provides the next number to follow (and/or some noise to keep you on your toes) until eventually we get the answer.

This one gets kinda ugly.

This is the kind of problem scripting languages are made for (e.g. perl, python & ruby coders would all make short work of this problem). Still, it's possible to write procedural code in clojure, and it's still reasonably straightforward.

One decision I had to make is how to GET the url's - my weapon of choice for this sort of thing is clj-http:

(require '[clj-http.client :as client])
(require '[clojure.contrib.string :as string]

(defn follow-chain [base-url number]
  (let [result (:body (client/get (str base-url number)))
        idx (.indexOf result "and the next")]
    (cond
      (re-find #"^Yes" result) (do
                                 (println result)
                                 (follow-chain base-url (/ (Integer/parseInt number) 2)))
      (= -1 idx)               result
      :else                    (let [result-vec (string/split (subs result idx) #" ")
                                     next-number (last result-vec)]
                                 (println result)
                                 (recur base-url next-number)))))

Take the url as a base & the first number to follow; use client-http/get to grab the page; extract the body of the page; get the index of the phrase "and the next" using the java "indexOf" method - we'll use the index later to parse out the end of the text and get the next number...

...unless of course, we get text that tells us something else (like a message saying "Yes" and then instructing us to divide the last number by two and continue on as before) so...

...we set up a switch using the cond macro: If the result starts with "Yes" make a recursive call dividing the last number by two; if indexOf otherwise came up empty, that's our answer, so return it; else pick the next number out of the result by splitting the end of the string into a vector (using clojure.contrib.string/split) and recur (tail recursively call the function again).

The println's could be removed, although they were essential when figuring out what the code needed to do.

Conclusion

This was a fun exercise; clojure's holding up pretty well so far, though clojure would not be my weapon of choice for that last one; if I choose to do the next five, I'll post them in a future article.

Footnotes

[1] It's also the darling of the hipster crowd right now -- in many cases the same people who snubbed python when ruby was the hip language about a decade ago... python abides.

[2] The official challenge answers also tackle ways to deduce "rare"; knock yourself out

[3] #() defines a function where % %2 etc represent positional parameters; the (fn [arg]) syntax would work here too




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Really bloody excellent omens...

Many, many years ago (it was Hallowe'en 1989, for the curious, the year before Good Omens was published) Terry Pratchett and I were sharing a room at the World Fantasy Convention in Seattle, to keep the costs down, because we were both young authors, and taking ourselves to America and conventions were expensive. It was a wonderful convention. I remember a huge Seattle second-hand bookstore in which I found a dozen or so green-bound Storisende Edition James Branch Cabell books, each signed so neatly by the author that the bookshop people assured me that the signatures were printed, and really ten dollars a book was the correct price. 

I could afford books. Good Omens had just been sold to UK publishers and then to US publishers for more money than Terry or I had ever received for anything. (Terry had been incredibly worried about this, certain that receiving a healthy advance would mean the end of his career. When his career didn't end, Terry suggested to his agent that perhaps he ought to be getting that kind of advance for every book from now on, and his life changed, and he stopped having to share a hotel room to save money. But I digress.) Advance reading copies of Good Omens had not yet gone out, but a few editors had read it (ones who had bid for it but failed to buy it) and they all seemed very excited about it, and thrilled for us.


On the Saturday evening Terry left the bar quite early and headed off to bed. I stayed up talking to people and having a marvelous time, hung in there until the small hours of the morning when they closed the hotel bar and all the people went away, and then headed up to the hotel room room. 


I opened the door as quietly as I could and tiptoed in the dark across the room to where my bed was located.


I'd just reached the bed when, from the far side of the room, a voice said, “What time of the night do you call this then? Your mother and I have been worried sick about you.”


Terry was wide awake. Jet lag had taken its toll.


And I was wide awake too. So we lay in our respective beds and having nothing else to do, we plotted the sequel to Good Omens. It was a good one, too. We fully intended to write it, whenever we next had three or four months free. Only I went to live in America and Terry stayed in the UK, and after Good Omens was published Sandman became SANDMAN and Discworld became DISCWORLD and there wasn't ever a good time.


But we never forgot it.


It's been thirty-one years since Good Omens was published, which means it's thirty-two years since Terry Pratchett and I lay in our respective beds in a Seattle hotel room at a World Fantasy Convention, and plotted the sequel. (I got to use bits of the sequel in the TV series version of Good Omens -- that's where our angels came from.)


Terry and I, in Cardiff in 2010, on the night we decided that Good Omens should become a television series.


Terry was clear on what he wanted from Good Omens on the telly. He wanted the story told, and if that worked, he wanted the rest of the story told.


So in September 2017 I sat down in St James' Park, beside the director, Douglas Mackinnon, on a chair with my name on it, as Showrunner of Good Omens. The chair slowly and elegantly lowered itself to the ground underneath me and fell apart, and I thought, that's not really a good omen. Fortunately, under Douglas's leadership, that chair was the only thing that collapsed. 




The crumbled chair.



So, once Good Omens the TV series had been released by Amazon and the BBC, to global acclaim, many awards and joy,  Rob Wilkins (Terry's representative on Earth) and I had the conversation with the BBC and Amazon about doing some more. And they got very excited. We talked to Michael Sheen and David Tennant about doing some more. They also got very excited. We told them a little about the plot. They got even more excited.


Rob Wilkins and David Tennant on the second day of shooting.

Me and Michael and Ash aged nearly 2.
What it was mostly like shooting Good Omens: peering into screens while something happened round the corner.



I'd been a fan of John Finnemore's for years, and had had the joy of working with him on a radio show called With Great Pleasure, where I picked passages I loved, had amazing readers read them aloud and talked about them.


(Here's a clip from that show of me talking about working with Terry Pratchett, and reading a poem by Terry: https://www.bbc.co.uk/sounds/play/p06x3syv. Here's the whole show from YouTube: https://www.youtube.com/watch?v=j7OsS_JWbzQ with John Finnemore's bits too.)




L to R: With Great Pleasure. John Finnemore, me all beardy, Nina Sosanya (Sister Mary in Good Omens) Peter Capaldi (he played Islington in the original BBC series of Neverwhere).

I asked John if he'd be willing to work with me on writing the next round of Good Omens, and was overjoyed when he said yes. We have some surprise guest collaborators too. And Douglas Mackinnon is returning to oversee the whole thing with me.


So that's the plan. We've been keeping it secret for a long time (mostly because otherwise my mail and Twitter feeds would have turned into gushing torrents of What Can You Tell Us About It? long ago) but we are now at the point where sets are being built in Scotland (which is where we're shooting, and more about filming things in Scotland soon), and we can't really keep it secret any longer.


There are so many questions people have asked about what happened next (and also, what happened before) to our favourite Angel and Demon. Here are, perhaps, some of the answers you've been hoping for. 


As Good Omens continues, we will be back in Soho, and all through time and space, solving a mystery which starts with one of the angels wandering through a Soho street market with no memory of who they might be, on their way to Aziraphale's bookshop. 


(Although our story actually begins about five minutes before anyone had got around to saying “Let there be Light”.)








  • Good Omens
  • What time of the night do you call this then?

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