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 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, 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,

Small businesses often think that putting together an employee handbook is unnecessary and a waste of precious time that could be otherwise spent on more important matters. Everyone knows the company rules in a small business, so why bother with a whole formal write-up? In a certain sense, small business owners and employees who question the wisdom behind a write up are correct to do so. A write up for a very small company is unnecessary, and can actually become a liability if the information that it contains is misplaced or falls into the hands of a competitor. However, a manual for procedures, whether for individual departments or for the business at large, is important for when a business is ready to be scaled up, as it sets up a framework for growth. Much like a trellis allows a vine to climb steadily upwards, so a manual allows a small business’ s departments to grow steadily with greater ease.  Here are some other reasons that

An alternative to a bad credit business loan refers to a source of capital that small businesses can access, even if they have poor credit scores or other issues that would typically prevent them from getting approved for external financing. What is the importance of alternatives to traditional loans? At first glance, having multiple options for financing a small business outside of what is offered by traditional banks seems redundant. Business owners who are even aware of other options may be wary of them, as outside of the realm of a bank loan there are many different products and entities, some more beneficial for small businesses than others. However, when it comes to the question of whether or not these alternative capital sources are important, consider this; the average 7(a) loan amount in fiscal year 2012 was $337,730. Why is that significant? Because it demonstrates an important reality related to small business lending. The fact is, many of the enterprises we typically think of when

The way that people consume information is changing as the age of the smartphone puts more and more far flung capabilities into the hands of the average person, with the phrase “there’s an app for that” coined by Apple in 2009 serving as a summation of the zeitgeist. Services such as Yelp have rolled out apps that allow small businesses to list themselves in local directories, as well as link to keywords and appear in searches by neighborhood and by services provided. Apart from that, video consumption on smartphones is rapidly growing, with reports from Ooyala indicating that consumption of videos on tablets and smartphones is set to double from last year by the end of 2013, having claimed 13 percent of all internet video consumption by end of last June. What does this mean for small business? In plain terms, it means that optimizing your small business’s web presence for mobile will provide you with an edge over your competitors, especially in terms of local

There are many ways to increase the bonds that small businesses share with their best customers, from rewards programs, to community events. When it comes to deciding how to stay in contact and deepen your rapport, it’s important to factor in the financing aspect for your small business, balancing your ambitions and you cash flow and ensuring that you get a good ROI on the money that you do spend while keeping your customers happy. One of the best principles that small businesses can espouse is taking what you already have and making it work more for your business. A perfect illustration of this concept can be found in the creation of a newsletter. So your small business has a social media presence? It’s also got a blog? Great! Then you already have everything that you need in order to put together a newsletter that can boost both your site’s traffic and the size of your social media presence. Here’s how it can work for you. Step 1:

There is large number of small business owners in the US who, due to one reason or another, have poor credit scores. While credit can affect a wide range of things in a person’s personal life, including the rental of an apartment to things as wide ranging as the ability to find a spouse or get hired, it does not mean that life is over for the person who has it. On the contrary, small business owners with bad credit actually have more options open to them than many of them realize. The ability to obtain financing to grow a small business is incredibly important, and while some banks will fund bad credit business loans, usually backed by the SBA, many will find that the traditional banking institutions that they would typically approach when trying to access credit will turn them away as a result of an extreme aversion to risk. Some of the typical reasons that business owners seek bad credit business loans and their

Here’s some food for thought; the commercial trucking industry, while not often thought of by your average restaurant goer, has a whole lot to do with what winds up on your plate when you sit down to eat. Recently, commercial trucking was brought into the news through the debacle surrounding the Trucker’s Ride for the Constitution, a protest that, while not endorsed by major trucking groups including the American Trucking Associations, gained viral support despite a low reported turnout. The logistics sector in the US is integral to our infrastructures, allowing for the wide range of products offered in supermarkets and by extension, in our restaurants. The main factor to consider in commercial trucking that could effect the restaurant industry going forwards is the constraint of freight capacity. As the economy has been racked with problems over the past few years, commercial trucking firms have been growing at a slower rate, not willing to tempt fate by expanding without sure signs of economic growth in

Small business owners in the liquor business are selling a product that already has a very strong set of associations for most people. When combined with the marketing campaigns of major liquor brands, there is already a high level of demand for top shelf liquor products. What this means is that, while marketing liquor as a product is made easier, the battle that these small business owners face is instead marketing their specific store over all the other liquor stores in their area. So how do you create branding for your business in a way that promotes you as being different from the other liquor stores in your area? Embracing the trend of craft cocktails is a great place to start. You are selling a luxury product already, but within the scope of how that product is used, there are literally limitless combinations. Now, the trend of craft cocktails is getting a lot of buzz, even appearing in the Wall Street Journal. An association with trendy

While not every small business will be engaged in activities where an employee or customer could potentially get hurt, outdoor businesses, restaurants, factories and other, more physically oriented business models have an inherent risk of injury associated with them, even if it is only a small amount. If an injury occurs at your business, it is better to be more rather than less prepared for treating it. CPR is a set of techniques for caring for injuries or medical emergencies that can save or prolong the lives of victims as emergency health professionals are contacted and arrive at the scene of an accident. CPR is easy to learn and get certified for, and the potential to save a life is invaluable for businesses where there is a risk of injury, from major bodily harm, to minor accidents like choking. Here’s what small business owners should know about preparing their employees and themselves for emergencies with CPR training. What can business owners do to prepare for

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