The Small Business Owner and The House’s Tax Reform Bill

November 27, 2017 by


Well, there you have it, folks.  The House’s tax bill, if it passes will indeed benefit the small business owner. If you are indeed a small business owner, this is good news for you.  According to many analysts and bipartisan groups, for the average American taxpayer, the bill changes very little or none at all. But, according to them, the small business owner does have something to look forward to if the bill passes.

To read more about this and other topics, follow the links below.

Two big reasons the House’s tax reform bill benefits small businesses

The House tax reform bill passed last week is really not much, if any, of a middle-class tax cut. Even the Joint Committee on Taxation — a bipartisan congressional group — concluded “the vast majority” of Americans (92 percent) will either pay less or see little change over the next five years and after that, only 40 percent of Americans will pay less taxes.

But then again, this bill was never really meant to benefit individuals. It was meant to benefit businesses. And to that end, it succeeds. Big corporations should be very happy with its passage, and so should small firms like mine. Why? Two big reasons.

According to the Tax Foundation, 90 percent of small businesses are pass-through entities . . . like mine (meaning the income produced by the business is accounted for in the owner’s personal tax filings). Research from 2010 has shown that the typical small business owner makes anywhere from $35,000 to $75,000 per year — reasonable numbers even today considering that the vast, vast number of small businesses are merchants, restaurateurs and operators of very small mom-and-pop firms, freelancers and independent contractors. The House bill will (after some last minute changes) allow most of these business owners to take advantage of a tax rate of 9 percent on their first $75,000 of income with a cap of 25 percent on the rest.

7 Marketing Automation Tools That Could Change Your Small Business

As every small business owner knows, wearing a lot of hats is how you keep your company in the black. The problem, of course, is that any business owner only has 24 hours in a day. Cramming business development, customer service, marketing, production, financials, and everything else on one to-do list is a recipe for disaster (and a complete lack of sleep).

The best way to overcome the limitation of time is by automating some of your processes — and marketing is one area ripe for automation. The key for small businesses is finding a tool that can automate many components of marketing at once, and these seven platforms take different approaches to automating marketing processes to make entrepreneurs’ lives easier.

Small Business Saturday

Greensburg Square Merchants urge shoppers to ‘Give us a chance’

​GREENSBURG – Saturday, Nov. 25 is “Small Business Saturday.” As the kick-off weekend to the 2017 holiday shopping season begins, retail merchants all over the world prepare to greet the throngs of customers whose shopping habits will either make or break their yearly sales goals. In a tough economy, big “box” stores prepare to happily accept almost any form of payment in exchange for those lofty sales figures so important in determining their futures.

Jeff Emsweller, executive director of the Greensburg Chamber of Commerce was asked about Small Business Saturday. “It’s a great program that was started about three or four years ago by American Express.

 

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Small Business Tools For Business

November 2, 2017 by

In today’s global market, the small business owner wants and is able to compete with the big companies around the world. By effectively using the marketing tools and management software available to them, they can reach customers across the globe to provide the goods and services that make their business a success.

Marketing and business tools that enable the small business owner to compete in a global market are available to them as well as the big guys.  The difference is the scale and availability of the talent around them.

If you have talented tech people around you, the business dealings you need to do will not be postponed because you need to deal with computers, marketing or software that you may not know anything about.  The talented people you hire to do the technical jobs  are there to make that part of your job a bit easier and hopefully a bit more enjoyable.

Some of the business tools small business owners can use to make their job a bit more enjoyable are internet marketing software that allows you to produce;

  • Email software that allow you to monitor the recipients opening rates, and personalized the emails to reach your intended target.
  • Blogging tools that allow you to produce content in an easy to use manner while keeping the quality to a high standard.
  • Lead generation tools that enable you to reach more customers while keeping in contact with the existing customers you have.
  • A CRM that allows you to keep your customers and the relationships you have formed active while keeping their data centralized.

Nowadays, the relationships the small business forms can be the difference between a successful business or one that is barely making it. Yes, there are many businesses out there offering the same  goods and services your business is offering, sometimes cheaper and some times better, but unless the difference is pronounced, the relationship you have formed with that client will keep their business with you because they have come to trust you and perhaps like you.

The small business tools you need are out there  to help you and make your business a bit easier to manage, choosing the most expensive ones is not always the solution, you just need to know what you need and research it a bit to see if that is what you need.

 

 

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Marketing Your Small Business The Smart Way

September 26, 2017 by

We all probably heard the saying” Think outside the Box” and for marketers and small businesses, that means finding creative, smart and financially achievable goals without spending too much time and money.  Marketing your small business doesn’t mean writing big checks for companies to market your business, or promote your services.  Creativity nowadays is something every small business owner can do without breaking the bank.

Follow the links  below for more news about small business

Think Small Business To Help America’s Middle And Working Classes Win Big

 In spite of a rebounding and more robust economy, many in the lower middle and working classes remain anxious and concerned about their futures. There has been low and slow wage growth and, as we discussed in our last blog, the changing nature of jobs, the middle class and the American Dream have pushed a large part of the workforce toward a gloomy perspective.

There have been various proposals to make the economy work better for America’s workers. The Trump administration suggests that a restrictive skills-based immigration bill (the RAISE act) that considerably reduces the number of immigrants will increase the chances for more and higher paying jobs. The Administration has also asserted that cutting corporate taxes will stimulate job creation and wage growth.

Small businesses expand, invest despite gridlock in Washington

Small business owners are tired of sitting on their hands while Washington dithers.

Despite lingering uncertainty over tax and health care policy, U.S. entrepreneurs are moving ahead with investment and expansion plans that could juice economic growth.

Thirty-two percent of small businesses are planning capital outlays in the next three to six months, the strongest reading since 2006, according to the National Federation of Independent Business’s August survey. And 27% say the next three months is a “good time to expand,” the largest share in 13 years.

A September survey of economists by the National Association for Business Economics, out Monday, predicts that business investment overall — by small and larger companies — will grow 4.4% this year, up from their 3% median estimate in December. Businesses that expand, buy new equipment or build new structures typically hire workers to operate the machines or occupy buildings, while the factories that make the products generally need to staff up as well.

Huge List of National Holidays for Marketing in a Small Business

National Kick Butt Day is coming up. Bet you never heard of that one, did you? Today it seems as if there are national holidays, a national day or national month for everything. In fact, there are over a thousand national holidays, national weeks and national months. Add bank holidays and major religious holidays, and you have one crowded calendar!

National days of observance have become trendy and popular in part because companies have learned to use them for marketing. Just look at social media. Judging from the hashtags for various food days, people days, pet days, medical condition days, military days or industry days — it seems like every single day is a national holiday or national day of observance on Twitter and Instagram.

If you’ve ever wondered, “what national holiday is today?” — we’ve got you covered. Our hand-picked list of national holidays for marketing appears below. But before we get to that list of national days, we have some advice.

 

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Small Business and Your Employees Health

September 20, 2017 by

According to the National Institute on Drug Abuse ( NIH), more than 90 Americans die daily due to an overdose on Opioids. According to The Center for Disease Control and Prevention, this tragic epidemic is costing the American people  $78.5 billion a year which includes addiction treatment, health care, and the lost productivity these employees are costing the businesses in the United States.   For a small business owner, are you worried or experiencing difficulty with these situations? How are you coping? To read more about how small businesses in the United States are tackling these issues, follow the links below.

Small businesses forced to deal with drug epidemic

After a troubled youth himself, Phillip Cohen made it a practice to hire people at his woodworking business who have also struggled with addiction and mental health issues. But when an employee died from a drug overdose, he adopted a zero-tolerance policy.

“I think I have saved lives,” says the owner of Cohen Architectural Woodworking in St. James, Missouri — an area hit very hard by the nation’s growing opioid epidemic. Opioids range from prescription pain medicine like oxycodone to illegal drugs like heroin.

Cohen still hires former drug addicts, felons and people who have been traumatized in life. One person, now a top employee, was hired right after he finished drug rehabilitation. Another used to sell illegal drugs. Still, Cohen says, if a worker fails a periodic random drug or alcohol test, “we’ll fire them on the spot.”

The epidemic of drug use — a report from the surgeon general last year said that 20 million Americans have a substance use disorder — is forcing many small business owners to think about what they would do if they suspect an employee is abusing drugs or alcohol.

Health benefits vanish at small businesses

Only half of America’s smallest businesses now offer health coverage to their workers because many say steady cost hikes have made it too expensive to afford a benefit that nearly all large employers still provide.

The Kaiser Family Foundation said Tuesday only 50 percent of companies with three to 49 employees offered coverage this year. That’s down from 59 percent in 2012 and 66 percent more than a decade ago.

“There’s just not as much money around for compensation, including benefits,” said Gary Claxton, a Kaiser vice president and lead author of the nonprofit health policy organization’s annual health benefits study.

Employer-sponsored coverage is the most common form of health insurance in the U.S., covering an estimated 151 million people under age 65, according to Kaiser. The federal Affordable Care Act requires all companies with 50 or more full-time employees to offer it.

Quitter Talk: 5 Things That Are Stopping You and Your Small Business

Perseverance isn’t always a good thing. There are some situations where quitting is entirely appropriate, especially when you’re running a small business. Not everything needs to be a figurative fight to the death. Here are a few things that you should stop doing if you want to succeed:

  1. Procrastinating: Procrastination is the silent killer. Taking a few minutes out of your work day every now and then to take a look posts from your friends on social media seems harmless, but it could be costing you and your small business hours of productivity each week. Putting things off means delaying things that could be pushing your agenda. The sooner you stop procrastinating, the sooner you get important things done. I remember focusing on work for a little while and immediately getting distracted watching a YouTube video. This is a productivity killer — be careful.

 

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Employee happiness and Business Success

August 28, 2017 by

Regardless of what you hear from Congress or any other politician in Washington, American workers are not the best in the world.  As a nation, we are lacking in skills ranging from math, and problem-solving to literacy. The study done by the Organization for Economic Cooperation and Development, shows the American labor force is not only not comparable to other equal nations, but we are falling behind.  The skilled workforce needed to fill basic job positions is not longer there, and hasn’t been there for many years now.

Finding and keeping talented employees has become a struggle for many businesses, and the perks these businesses are willing to offer to entice talented people are a sign of the shortage of skilled employees.

For more about this and other topics, follow the links below.

Keeping employees happy a key to business success

Business owners may want to pay attention to more than how many widgets their employees are making.

They also should consider how happy those workers are while making them.

Experts – and a boatload of research – agree that satisfied employees tend to work harder and smarter, which in turn can boost a company’s bottom line.

“An engaged employee who feels valued and fulfilled is more likely to go all in and be far more productive,” said Evren Esen, director of workplace analytics for the Society for Human Resource Management.

“They also are more likely to stay with an organization longer, which reduces turnover costs,” she said.

That might sound like common sense. But finding out what makes an employee happy and then doing things to engage them is not an exact science.

Most workplace studies and surveys concentrate on two main areas: tangible gains, such as salary and health care benefits, and intangible bonuses, such as respect and job security.

Good businesses, even universities, invest in their employees

If higher education truly wishes to help solve the world’s complex problems, it is essential that all voices get a seat at the table, including those of graduate student workers. At Washington University, we need to do more to ensure graduate student workers don’t have to choose between academic success and personal well-being.

We are “privileged to be here,” we graduate student workers are so often told, and we shouldn’t question issues of compensation if we are truly passionate about the work we do. But as long as Washington University insists that we are students only, graduate student workers receive none of the protections afforded to employees under the law, even while we are compelled to remain in this tenuous position in order to complete our degrees.

While Washington U. is ostensibly committed to its role as a beacon of higher learning in the St. Louis community, it is in fact run as a business — and an incredibly lucrative one, at that. But good businesses invest in their employees. By promoting the well-being of the whole employee, Washington U. stands to benefit from higher graduation rates, better job placement, better academic and teaching work, and a healthier spirit of collaboration between students and their faculty advisers.

Family philosophy behind Marlex Pharmaceuticals’ success

​Savar Patel, president of Marlex Pharmaceuticals, believes employees go the extra mile for him and his brother Samir because of loyalty.

That mindset stems from Samir and Savar’s father Amrish, Marlex’s founder, who the brothers say was an employee-centric boss who never wanted to treat people badly.

“We’ve just continued on with that philosophy,” Savar Patel said.

That philosophy has landed the New Castle-area-based packaging and distribution company on The News Journal’s list of Top Workplaces four years in a row.

Marlex Pharmaceuticals was ranked first among small businesses in The News Journal’s annual Top Workplaces survey conducted by WorkplaceDynamics of Exton, Pennsylvania.

The company engages in the distribution and packaging of pharmaceuticals. All products are made in the United States and distributed nationally, with access to every hospital, pharmacy and nursing home across the country.

 

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Happiness and Company Culture

August 28, 2017 by

Small businesses have many positive things going on for them.  The owners have total control of what’s going on in their business and take care of things personally and quickly.  Many of them do not look for ways to pass the blame onto others, they are the owners after all. The business succeeds or fails because of them.  If they plan carefully and consider the advantages of having a team around them, then the chances of success increases.

The beginning of any business is hard.  Lots of hard work, and maybe loss of income can become quite a strain for many small owners.  That is some of the reasons a third of the small businesses that start do not make it past the first two years according to the Small business administration.  And half of those businesses do not make it past the 5th. year.

A business plan before starting a business, and a financial plan to weather the first years should be a necessity for many small owners.  The difficulties that you will encounter the first years of the business are always unexpected. You know you will have difficulties but don’t know what they are.  Later on, the good and bad experiences you encounter will give you the experience and the forbearance to weather the storms.

There are millions of small businesses across the United States.  Some grow to become great, powerful companies, and a lot of them do not.  What is it then that makes some companies thrived while others go under?  For many people great companies show a handful of characteristics that makes them great, but as always great or good means something entirely different for people.

But for  companies to succeed, the first thing to remember is that employees play a crucial part in the success of any business.  Employees that understand that they are working for a company , and that they are supposed to be a team, not sole individuals with different purposes, make a better company.  They as a team, have a more happy, positive company culture, and research has shown time and again that employee’s happiness plays an important role in the success of the company.  Happy individuals that know the company’s philosophy, and are on board, will make the company a better place all around.

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Small Business and The Senate’s Health Care Bill

July 14, 2017 by

As a small business owner, do you offer health insurance to your employees?  Many businesses do not offer health insurance for their employees, and small business owners specially feel the pinch when offering health care coverage to them.  The Senate Health Care  Bill-if it passes-would alleviate some of the burden these small businesses feel, keeping in mind though that some other people would have to pick up the tab for it.

For more about this and other news, follow the links below.

Senate’s Health Bill Would Make Life Easier For Some Small Businesses

Some small-business owners burdened with high health care costs would get a break via an obscure provision in the health bill proposed by the GOP Senate. The provision would offer less regulation, more bargaining power and better prices.

But those benefits could come at a cost to others.

The clause, included in the proposal advanced by Senate Majority Leader Mitch McConnell, R-Ky., last month, would exempt insurance policies sold through “associations” from most Affordable Care Act mandates and state regulations. To be able to offer these plans to their employees, small businesses join an association, which may be loosely based on certain types of professional, trade or interest groups that offers insurance to members.

New Senate Healthcare Bill Slams Small Business Owners And Savers

Senate Republicans today released version 2.0 of their Obamacare “repeal and replace” bill, the Better Care Reconciliation Act (BCRA).

This version of BCRA is a major lurch to the Left from the original BCRA and conservatives supporting this process have some things to think about.

A Tax Hike on Small Businesses and Savers

The major departure from the original BCRA is that v2.0 fails to repeal the 3.8 percentage point Obamacare surtax on capital gains, dividends, and other savings (the “net investment income tax,” or NIIT). It also fails to repeal the 3.8 percentage point tax bracket for the self-employment tax and the payroll tax ostensibly earmarked for Medicare

In failing to do so, v2.0 of BCRA raises taxes by over $230 billion over a decade relative to v1.0 of BCRA.

US small-business optimism dips in June, remains near high

​A gauge of U.S. small-business confidence fell in June as business owners expressed frustration over gridlock in Washington, according to a National Federation of Independent Business report released on Tuesday.

The group’s Index of Small Business Optimism fell to 103.6 last month from 104.5 in May, although it remains near its highest level in more than a decade. The index surged following the election of Donald Trump as U.S. president last November, and in January hit its highest level since December 2004.

The rise was largely attributed to business owners’ optimism surrounding Trump’s promises of deregulation, tax breaks and infrastructure spending.

But Congress’ inability to deliver on those promises has muted confidence as business operators grow wary of political infighting over the health-care reform legislation, and prospects for tax reform are uncertain.

 

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Healthcare and Small Business Borrowing

April 11, 2017 by

Businesses in the United States  are still waiting to see what happens with healthcare, and other policy changes in the new administration before they commit to investing or hiring, or any other change that can affect their business.  The euphoria of the Election is passing, and with it the high optimism businesses felt.  Numbers are not as promising as analyst predicted, jobs felt short by more than 100K, and the business community is waiting.

For more about this and other stories, follow the links below.

Small-business sentiment declines as post-election euphoria runs out of steam

Small-business owner optimism declined in March as sales expectations and earnings came back to earth after a post-election surge.

The National Federation of Independent Business said its monthly sentiment gauge fell 0.6 point to 104.7, a slightly larger decline than the 0.5-point dip forecast by economists surveyed by Econoday.

The post-election surge was the biggest in the four decades NFIB has been conducting its survey. The gauge rose again in January but then receded in February.

In March, some warning signs appeared. The uncertainty index rose to 93, its second-highest reading on record. “More small business owners are having a difficult time anticipating the factors that affect their businesses, especially government policy,” noted Bill Dunkelberg, the groups’ chief economist.
But pessimism was widespread in March. Of 10 survey components, only three notched an increase.

Trump just said small businesses were ‘unable to borrow from banks’ — but small-business owners disagree

In a meeting with some of the most powerful CEOs in the world on Tuesday, President Donald Trump argued that small businesses were struggling to find financing.

“So many people come to see me — I see them all the time — small businesses that are unable to borrow from banks,” Trump said. “They never had a problem five, six, seven, 10 years ago. They had great bankers, great relationships, now they can’t borrow.”

The president blamed the post-financial-crisis Dodd-Frank banking regulations, which were enacted in July 2010, and higher capital requirements for the largest financial institutions. Trump said he planned to “streamline” or “eliminate” Dodd-Frank to allow small businesses to borrow again.

Trump’s narrative, however, is the opposite of what small-business owners are saying.

How small businesses are dealing with health care limbo

Republicans have called it quits for now on any plans to do away with Obamacare.

But while it may remain the law of the land, President Trump and GOP leaders in Congress don’t want it to stay that way.

That’s a lot of uncertainty for small business owners like Dr. Vicki Bralow and her husband Dr. Scott Bralow to handle. The couple is less than a month out from opening up their joint primary care office in Philadelphia. Until now, Vicki co-owned a practice downtown where she voluntarily offered her employees insurance.

“One year I’m paying $650 for a family policy and then the following year I’m paying $1,150 a month for a policy,” she said. “That’s a really, really big deal.”

Vicki’s old business is one of nearly 2 million nationwide that employs three to nine workers, by far the group of companies most vulnerable to Obamacare premium spikes.

 

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Tools To Help Your Small Business Succeed

March 20, 2017 by

Small business owners are notoriously hard workers with long hours every single day of the week. Software tools and applications that make their business a bit easier have become more readily available with the current technology.  Documents, appointments, on line calendars and applications they can access through their phones or other devices have become commonplace.  Their business can truly travel with them, and can provide the much needed time to spend doing other more enjoyable things.

To read more about new business applications and other small business topics, follow the links below.

3 Financial Documents Every Small Business Needs

Columbia, S.C. (WLTX) – Happy Money Monday to our entrepreneur viewers. Today we’re covering the basics to help you understand the financial health of your business.

Here are 3 financial documents every small business needs:

1. Balance Sheet – This is a great way to provide a financial overview of your business. If you’re a visual person, this financial report will be easier for you to understand as it’s displayed as a chart. The left side shows what your company owns (aka your assets), while the right side will show you your expenses and equity.

2. Cash flow Statement – Similar to your budget for your personal finances, the cash flow statement shows how money comes and goes for your business. This helps you understand how your business is operating on a day-to-day basis and will help you answer the question, “How much is my business truly making?”

What is Yext and Can It Help Your Small Business?

It you’re looking for a way to automatically sync your business information across 50+ directories such as Google Maps, Yelp and Apple Siri, Yext presents itself as a possible solution.

Last week, the New-York based company filed paperwork with the US securities regulators to raise as much as $100 million in an initial public offering.

What is Yext?

Yext is a data management tool that is designed to keep track of your business’ location-related information on multiple directories. The software allows you to sync your:

  • Business Name, Address and Phone Number;
  • Business hours, products and services, holiday hours, photos and videos, staff bios, menus, and calendars;

Why your small business needs a mobile app

Many small businesses are unsure whether they need a mobile app, many believing that their mobile website is enough. Are you staying relevant?

Are you app-solutely missing the boat?

These days, we carry our smartphones everywhere. People are using them to play, order food, make purchases, do research, communicate, check reviews, read books, find love and generally get by day to day. Some people are even running their business from their phone! In fact, many of you probably prefer using apps over your desktop when it comes to things like checking emails, updating your social media accounts or checking your online banking.

 

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Information You Must Know For Your Small Business

March 16, 2017 by

If You Think Education Is Expensive, Try Ignorance – Famous quote

And, for many small business owners, knowing the rules and regulations concerning their business can save them a lot of money they can then invest in their business.  Tax incentives, or other type of changes that affect how they do their business, are opportunities they cannot pass up. 

For more about this and other topics, follow the links below.

Medicare rules differ for small business owners and employees

They must enroll when they turn 65 or face lifelong penalties.

Financial advisers who work with owners or employees of small businesses that employ fewer than 20 workers should be aware of a special rule that affects these clients: They must enroll in Medicare when they turn 65 or face lifelong penalties.

Normally, workers age 65 and older can delay enrolling in Medicare, the government-run health insurance program for people 65 and older and certain people with disabilities, if they continue to have group health insurance through their employer or through their spouse’s employer.

If the employer has 20 or more employees, the group health plan generally pays first, according to Medicare.gov. But the rules are different for small businesses and the self-employed. In this case, Medicare is the primary payer and if you don’t sign up for Medicare at 65, it will be as if you have no insurance at all, warns the Medicare Rights Center.

Avoid Business Burnout: 10 Real Small Business Owners Share Their Coping Secrets

Let’s face it: nobody starts a small business so that they’ll work less and have more free time. One thing I’ve heard consistently over the years from small business owners is how much harder it is to run a business than it is to work for one. In fact, many of them describe business ownership as a job that means working from morning till night, seven days a week. A friend of mine who owns a small café recently admitted to me that he hasn’t taken a single vacation in the seven years since he opened!

All of this sounds like a surefire recipe for serious “business owner burnout.” So I decided to ask 10 real-life small business owners how they stay energized. How do they cope with those moments when they feel overwhelmed by the constant pressure, the lack of time off, and the worries that come with being in business for yourself? This is the question I posed to them: “What tactics do you use to re-energize yourself and reinvigorate your passion for your business?”

10 Reasons Why Marketing Training for Small Business Owners is Essential

It’s no secret, at the core of business success is marketing. For small businesses, marketing goods, services and their brand, is essential in reaching customers, selling products and services and generally staying afloat. Though as with any discipline, marketing is achieved more effectively when you have the knowledge and expertise about the most effective forms of advertising, promotion and public relations, hence why marketing training can prove invaluable for many marketing-naïve SMEs.

If you run a small business and your marketing efforts are either non-existent or aren’t getting you very far, it could be worth investing in marketing training. Take a look at the following 10 reasons why marketing training for small business owners is essential.

Open new doors

Being up-to-date with the latest trends, innovations, technology and developments in the world of marketing, can help open new doors for your business. You will be able to implement such innovations into your own marketing strategy, and by doing so, grow your businesses organically by reaching out to new and existing customers.


 

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