Is Honesty Really the Best Policy?

Dumb Little Man

The post Is Honesty Really the Best Policy? Not everyone is a born smart or Genius. As we grow old, we get that funny feeling. There were lot of fights and quarrels , that could have been avoided. Many things were meaningless. There were not worth dying for. This is like what they say….Growing Growing up. There were so many people, whom we met in our adult hood. They left. We moved on. I remember hearing from my old friends, that time has changed in this generation.

Guide To Life Insurance: How to Make Sure Your Policy Takes Care of You

Dumb Little Man

In this article, you’ll learn the best tricks to make sure your life insurance policy is prepared to take care of you and your family. The premise of the claim is that the payments you make into the policy build cash value (almost like an investment) which you can later use as collateral for loans or payment for your monthly insurance premiums. In reality, the monthly premiums are almost always so much higher than for a similar term policy. Life Insurance.

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Policy Protection – Which Types of Business Insurance Are Right For Your SME?

Small Business CEO

Starting a business exposes you to certain risks. Fortunately, however, all businesses have access to a wide range of insurance types, to protect them from the dangers that could wipe out a small business before it has had a chance to take off.

How to Create a Sales Policy That is Fair to ALL of Your Clients

Office Organization Success

When you start developing your multiple streams of income business by adding products and programs which are available on your website, there’s a very specific policy you need to have in place … and that is a clearly defined Sales Policy. Your Sales Policy is simply a statement which lets your clients and customers know what they can expect from you and how you handle your sales processes.

Mis-sold a PPI Policy? Rush To Claim What’s Yours – It’s Your Money!

Small Business CEO

When you have a PPI policy, chances are, you’re not eligible to claim on, especially when you’re self-employed. In fact, there are at least two million people in the UK who have the same fate as yours: You’ve been mis-sold a PPI policy.

The Taylor Review: The British Government Looks at the Gig Economy

Small Business Labs

  Because of this, there are no easy answers, policies or laws that will make everyone happy. gig economy Government Policy

2017 58

The Need for More and Better Future of Work Data

Small Business Labs

  gig economy Government PolicyThere's long been a need for our government agencies to collect more timely and better data on the the forces impacting jobs and work.

2017 64

Job Growth Slowed in 2017; Implications for the Economy in 2018

Small Business Labs

Government Policy Small Business EconomyDespite all the noise from DC about a booming economy and massive job growth, the U.S. economy created fewer jobs in 2017 than in 2016 and economic growth was moderate.    U.S.

2018 31

Few Small Businesses and Freelancers Will Benefit from the Pass-Through Provision of the Tax Plan

Small Business Labs

According to the non-partisan Tax Policy Center , only about 13% of all small businesses are in marginal tax brackets above the 25% rate.    Finally, see the Tax Policy Center's analysis of the bill. 

2017 36

Seeking Freelance Flexibility With Full-Time Stability

Small Business Labs

Economic Uncertainty Freelance gig economy Government Policy Independent workers self-employmentThe Inc. article What Do Millennials Want From Their Employers, Exactly? This Study Sums It Up in 1 Sentence says Millennials want: "Freelance flexibility with full-time stability" This is, of course, not just what Millennials want. It's what everybody wants. The study the article refers to is Deloitte's 2017 Millennial Survey.

2017 50

Small Business Owners Don't Like Taxes

Small Business Labs

Government Policy Small Business Economy I've never met a small business owner who liked taxes. No surprise there. Also, if you talk to small business owners for any length of time, most will eventually complain about taxes.

2015 72

Top 10 Small Business Trends for 2014

Small Business Labs

  Government Policy trends Web/Tech Below is our 7th annual Top 10 Small Business Trends list.  2013's trend list is available here. To see earlier lists, click on the year: 2012 , 2011 , 2010 , 2009 , 2008. Our overall economic outlook for 2013 is for solid if moderate growth with U.S. GDP increasing 2.5% to 2.75%.    We expect hiring and the job market to continue to improve with unemployment falling and finishing the year in the 6.5% range.

2014 105

The New Tax Law: Freelancers Win on Taxes, Lose on Healthcare

Small Business Labs

1099 Economy Freelance Government PolicyThe new tax law contains a major benefit for many freelancers. It allows them to deduct 20% of their revenue from their taxable income. This is the "pass-through" provision.

2018 25

Police, Policy, and Politics

Daily Writing Tips

Are police and policy related? Originally, police , like policy, referred to civil administration (both come from the intermediate Latin noun politia ), but by the early 1700s, it came to apply specifically to law enforcement, and within about a century that was its only sense.

Hamilton, Jefferson and Trumpcare's Impact on the Self-Employed

Small Business Labs

  gig economy Government Policy on-demand economy self-employmentFirst off, the most important thing to know about American Health Care Act (AHCA or Trumpcare) is it will almost certainly be changed in major ways by the Senate. 

2017 36

Encouraging U.S. Commerce Report on "Digital Matching Firms"

Small Business Labs

  I was also recently on a panel with a senior policy person from the Department of Labor.   1099 Economy Contingent Workforce Freelance gig economy Government Policy on-demand economyThe U.S. Commerce's department report  Digital Matching Firms: A New Definition in the “Sharing Economy” Space  is, in our opinion, a pretty balanced view of sharing/digital matching firms and their growing economic role. The report attempts to accomplish two goals. 

2016 33

Why Your Office Needs a Green Workplace Policy

Eco-Office Gals

If you have an office without a green workspace policy, it’s about time to put one in place! There are a variety of reasons to implement such a green policy, and if you’re looking to do so, ways to do it simply and without great cost. Green policies make a big difference.

Obamacare's Impact on Entrepreneurship and Self-Employment

Small Business Labs

Government Policy Independent workers Small Business EconomyThere's no doubt the Affordable Care Act (ACA, or better known as Obamacare) has been a good for freelancers, the self-employed and other independent workers.

2017 31

Graham-Cassidy Healthcare Bill Likely Bad for the Independent Workerforce

Small Business Labs

gig economy Government PolicyThe quick summary of our analysis of the Graham-Cassidy healthcare bill on independent workers is: Low and moderate income independent workers would likely be worse off due to the reductions in medicaid and elimination of subsidies provided by the ACA (Obamacare). Older independent workers (aged 50+) would likely be worse off due to potential changes in how insurance companies can charge older Americans.

2017 23

Most Cities Embracing the Sharing Economy

Small Business Labs

gig economy Government Policy on-demand economy Small Business EconomyIt's always interesting how the media covers the sharing economy. 

2017 18

Five Major Global Economic Challenges

Small Business Labs

Government Policy trendsIs peaceful international collaboration ending? This is the key question asked in Knowledge@Wharton's  How to Manage the Top Five Global Economic Challenges.

2017 18

Comparing Small Business Owners and High-Growth Entrepreneurs

Small Business Labs

  The main reason we're interested in this topic is we believe policy makers are too focused on high-growth companies and entrepreneurs.  high-growth companies (called Gazelles in policy circles) are very important sources of innovation, employment and economic growth.    government policy Small Business Economy womenHigh-growth entrepreneurship - mostly from the technology industry - has become the poster child for U.S. business success. 

2011 53

Enterprise Rockers Launch Mentoring Scheme for Bankers and Politicians

The Small Business Blog

Enterprise Rockers banking Banks better banks enterprise rockers Government government policy politics UK Economy uk politics

Social Media – The Policy. The Rules.

The Small Business Blog

This is a great video about social media “Do’s & Do Not’s&# – take a look. You can get social media training if you are unsure how to start your online marketing campaign. Hat-tip to @adrianswinscoe

More on Personal Tax Rates and Small Business Jobs

Small Business Labs

government policyThe Kauffman Foundation did a poll of the attendees at the recent Inc. 500 conference.    One of the questions they asked is "What is the biggest impediments to the growth of your business?" 

2011 40

Considerations For Social Media Use In The Workplace

Small Business CEO

This practice can create liability for a company absent a policy or set of guidelines for such professionals to reference, allowing them to make sure their behavior does not violate applicable law or expose the company to legal action. Provide a social media policy.

The Post Office Expanding Use of Contingent Workers

Small Business Labs

Contingent Workforce Government Policy Independent workers Interesting interview with the head of the U.S. Postal Service in the Wall Street Journal. Lots of information on how the Post Office is doing financially (quick summary - not well) and how it hopes to return to solvency.

Uber and Lyft Lawsuits & the On-Demand Economy

Small Business Labs

  Freelance Government Policy Independent workers on-demand economy Uber and Lyft were both dealt legal setbacks in two different lawsuits last week. The separate suits - one filed by Uber drivers and other by Lyft drivers - allege they are misclassified as independent contractors. The drivers are claiming they are employees.

Legal 23

The Growing Numbers of Not Working

Small Business Labs

  Government Policy The most recent BLS jobs report showed that almost 500,000 Americans left the workforce  in March, resulting in the workforce participation rate falling to 63.3%.  This is the lowest its been since 1979.

Is Small Business Ownership the Great Equalizer?

Small Business Labs

  For policy makers this data shows that small businesses run by underrepresented demographic groups are equally competitive once they survive the early startup stages.    Programs and policies that provide early and especially mid-stage stage support and education could improve small business ownership outcomes for these groups. government policy trends women

2011 33

Adhering to the "Closed Door" Policy

Professional Assistant Blog

I wrote a post entitled "Adhering to the 'Open Door' Policy", but this post is a little different, so please read on. Do you find that you get disturbed around your cubicle because of excessive noise? Do you wish that you could build walls around your cubicle just so that people would keep quiet? I am sure that this happened to many of you on a regular basis. Managers have offices and the.

Millennials' Standard of Living Lower than Parents

Small Business Labs

  Gen Y Government Policy trends Pew Research's article Generational Equity and the "Next America" has a depressing assessment of the economic fortunes of American millennials (roughly aged 21-33): Today’s young have the unhappy distinction of being the first generation in modern history to have a lower standard of living than their parents’ generation had at the same stage of the life cycle.

2014 19

Who Speaks for Small Business on Health Care?

Small Business Labs

government policyThe WSJ's Business Groups Welcome Health Law Set Back  covers the recent ruling by a federal district judge that the Obama administration’s health-care law was unconstitutional. The suit against the bill was led by the National Federation of Independent Businesses (NFIB).    Obama Care was also opposed by a number of business groups, including the U.S. Chamber of Commerce.

Should Employees be Allowed to Use Social Media?

Small Business CEO

Nowadays many companies even have social media policies governing the ways that an employee can access social media in the work environment and whether they can at all. The Policy. Most employees carry mobile devices that can be used to access social media, so how far does a policy go?

Health Grows to 17.6% of U.S. Economy

Small Business Labs

  government policy trendsIf like us you're worried about health care spending, there's some good news and some bad news.    The good news is U.S. health spending grew just 4% in 2009 , the lowest growth rate in the 50 years the government has tracked this data.    The bad news is, due to the recession, health spending hit an all time record of 17.6% of 2009 U.S.   Health spending was 16.6% of GDP in 2008.

2020 31

My Health Care Risk Shift Mistake

Small Business Labs

  government policy Intuit 2020 Trends Report trendsI recently personally experienced one of the trends we follow - The Risk Shift.   The    The bottom line: I spent over $800 for x-rays that should have cost me $37.    Let me explain. Over the last few decades a series of economic, political and social changes have resulted in the shifting of risk management responsibilities from institutions to individuals. 

How policy and cost savings are helping to drive the uptake of low-energy, retrofit LED Lamps

Eco-Office Gals

Post from: Eco-Office Gals How policy and cost savings are helping to drive the uptake of low-energy, retrofit LED Lamps. “The traditional GLS lamp is dead!”

The Rise of the Underground Economy

Small Business Labs

  Government Policy trends Last year we suggested growth in the underground economy is likely a key reason workforce participation has fallen so much in the U.S.    Others are starting to also suggest this.  Noted author James Surowiecki's New Yorker article The Underground Recovery  points out: Ordinary Americans have gone underground, and, as the recovery continues to limp along, they seem to be doing it more and more.

2011 22

Are Small Business Owners the New Left?

Small Business Labs

In other words, these groups are not non-partisan and they pretty much line up in lockstep with the Democratic party on policy issues. As we've pointed out in the past,  there are few non-partisan policy oriented think tanks or trade associations. They both lean right politically and tend to line up lockstep with the Republican party on policy issues. They will support policies from any party that they believe will help their business thrive.

2013 16

A Short Version of Thomas Piketty's "Capital"

Small Business Labs

Book Reviews Economic Uncertainty Government Policy trends Capital in the 21st Century , by French economist Thomas Piketty, is currently the top seller on Amazon and the hottest economics book in many, many years.

2014 18