For some small business owners, taking care of their business is such a high priority that at times they can forget to take better care of themselves. Where this can become particularly evident is in the dietary choices that they make. When pressed for time, it can be tempting and all too easy to simply order takeout, or grab a doughnut off of a snack tray, but this is not going to do you any favors in the long run. Eating a healthy and balanced diet has benefits that go far beyond your waistline; it can improve your energy and mood and even help you live longer. This guide isn’t going to prescribe you with a miracle diet, rather provide you with some suggestions that you can use to make better choices and work with your on the go lifestyle. Switch to whole grains. Whenever possible, go for whole grain products as opposed to bleached flour. While some people prefer the texture and flavor of white

A startling revelation reported on by MarketWatch reveals that according to data from last year, 1 in 10 small businesses had employees working under the influence of drugs or other judgement impairing substances. The report emphasized the dangers posed by prescription drugs in particular, which, while legally available to those who need them due to medical conditions, nonetheless have a potential for abuse that can lead to addiction and serious health consequences, and even death by overdose. The dangers posed by an impaired employee will vary depending on their job, proximity to heavy machinery or weapons, and their level of intoxication, but in reality any case of inebriation on the job represents more than just a danger to the employee and their coworkers, and should be viewed as a serious lapse in discipline and professionalism. Social stigma aside, any substance that impairs an employees ability to do their job effectively should not be consumed before or during work hours. There are social and personal issues that

Every small business owner faces some common challenges, from the difficulties involved in applying for small business loans, to the questions surrounding hiring, payroll and the management of employees, right down to the struggle to find energy on heavy work days after lunch. While the first few challenges require some serious thought and attention to detail, giving yourself a much needed boost of energy is actually not that complicated at all. In fact, by taking just 15 minutes out of your day, you will be able to tackle all of your other projects with a feeling of wakefulness and energy that can help you get much more done. Here are some of the best pieces of advice on how to maintain focus after you start to fade during the middle of the day. Moderate you caffeine intake. Usually, without a more defined plan on how to combat drowsiness, small business owners will simply reach for the coffee pot or an energy drink and use that to

An office is a space dedicated to functionality. The easier it is to find the tools you need to do your job within this space, the better. For many small business owners, the office is their classroom, war room and zen temple all in one, necessitating that they be comfortable in their space as well as able to quickly access anything they need in order to maintain their productivity during the day. However, just because the office is a utilitarian space, that does not mean that it has to be visually bleak and devoid of any personality. Some tasteful and not overly distracting decoration can make you feel more at home in your office, not to mention make a better impression on employees, business partners and potential clients who visit it for whatever reason. What usually stands in the way of decorating an office for small business owners is time. The challenges that a bad credit business loans to a manager in terms of budgeting

While small business owners are generally a tough bunch, there are things that are beyond their control, from the government to natural disasters, that they need to be prepared to face in order to preserve the strength of their business. One of these external issues that can severely effect a business is the extremely cold weather that many parts of the US experience in late winter. Business owners should take note that, before they do anything to protect their small business, they need to ensure that they and their families are dry, warm, and out of the path of dangerous weather, with enough supplies to last them through whatever period of time they may need to stay indoors. If possible, get your business location ready in advance of inclement weather. Things to do in order to prep for extreme cold are checking to see if any of the electrical wiring, water or gas lines to the building are in danger of freezing or being damaged by

The U.S. Small Business Administration is an organization that many small business owners in the US don’t exactly understand. For many, the organization’s role may not be clear, as evidenced by the number of business owners (or would be business owners looking for start up capital) who ask for loans on their message boards. The SBA does not provide loans directly, rather, it provides backing for small business loan programs provided by banks. With the current high underwriting criteria on the part of these banks, many small businesses are finding it difficult to qualify for these programs. Efforts to help these businesses, for example by changing procedures around accessing holiday lines of credit, are often less than effective. The Herald Tribune’s recent story on new SBA programs highlights the inefficiency of the changes by pointing out there are still too many businesses being denied access to the capital they need, when they actually need it. More troubling, business owners who have bad credit usually cannot

The holiday season is in full swing, and small business owners across the country are taking time to think of their families and friends and be proud of what they have accomplished over the past year. Whether the past year was full of success, or full of trials and tough lessons, business owners can still find ways to give back to their communities during the holiday season. While giving back is a great thing to do regardless, it can also give your business a positive PR boost and help create an image that will allow it to cement a place in the community. Giving back can take many forms, so here are three great starting ideas small business owners can build on and personalize. Sponsor a toy drive. The holidays are typically associated with giving gifts, yet for many underprivileged children and their families, that is simply not possible without assistance. Your business can brighten the season for these children by sponsoring a toy drive. You

This year has not been an easy one for small business owners, with bumps in the road from acts of nature to acts of government creating roadblocks, but there has been good news as well. For one thing, a gradual climb in optimism has been reported, with slight dips following the government shutdown. The economy is generally recovering as well, although on a bumpy, winding road. One of the biggest problems that has been holding small business owners back is the fact that there is relatively little in the way of small business financing available for all but the best credit risks from traditional banks. One the plus side, the financing gap is increasingly being filled by providers of alternative capital. Businesses without collateral, with bad credit scores, or even recently declared bankruptcy have been put between financing needs and the limitations of their cash flows. Alternative capital allows them to obtain financing with no restrictions placed on it, meaning they are free to allocate it

As if it isn’t enough that the Obama administration’s launching of the new federal website for health insurance has resulted in nationwide confusion regarding coverage, now,  scammers and con artists are taking advantage of the chaos to try and steal your personal information and your money.  While some level of fraud is predictable with any large scale government program, the technical difficulties with HealthCare.gov as well as the widespread lack of understanding of the law itself threaten to make matters worse.   According to Zane Benefits, many small business owners are still confused about ObamaCare.  As a business owner, you need to be especially vigilant in order to protect your small or bad credit company from fraudsters and predators that seek to exploit health care portal confusion and rob you of your identity and your hard earned cash.  Here are a few tips that can help you identify major red flags. Beware scammers that contact you.  According to Fraud.org, ObamaCare scammers claiming to be federal government

Business owners with bad credit are put into a predicament that can create conflicts of priorities surrounding expenses. If cash flows are not broad enough to finance projects, often they will have to be cancelled or scaled down, but knowing what to cut and what to preserve is often difficult. When a small business is the combination of many separate departments, it is essential that communication avenues are streamlined in order for a comprehensive budget to be created. Here are some strategies to employ in order to keep your small business’s ability to function safeguarded through the credit recovery process. Create a detailed budget report for each of your essential departments. While some small business owners will simply dump all of their expenses into one balance sheet and then reconcile it with their revenues, it makes much more sense in terms of deciding where to allocate a budget to break down expenses into departments. For example, if you find that your marketing is being severely neglected,

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