Poland Hotels Booking

It is not surprising that some people may perceive Six Sigma as being only for large corporations. Major corporations such as Allied Signal, Black & Decker, Dow Chemical, Dupont, Federal Express, General Electric, Johnson and Johnson, Kodak, Motorola, Sony, and Toshiba have all rolled out Six Sigma efforts and achieved outstanding results. Yet, it is incorrect to think that Six Sigma process improvement results can only be achieved by huge organizations. Small businesses can also succeed in implementing Six Sigma and reap the process improvement benefits that Six Sigma provides.

Certainly, there are factors that can be disadvantageous for implementing Six Sigma in a small business rather than a large business, such as lack of resources and expertise in change initiatives. However, there are also characteristics inherent in small businesses that can speed up the effective implementation of Six Sigma more than in large businesses, such as flexible process flows, a shorter decision-making chain, and higher visibility of senior management.

Six Sigma can work in any size business because the nature of Six Sigma is dependent upon characteristics inherent to any business, not on the size of a business. Six Sigma MAIC (measure, analyze, improve, and control) disciplines work no matter the size of the organization or even the size of the Six Sigma project.

Small businesses do have constraints that limit their ability to initiate a large scale Six Sigma implementation. However, there are ways to overcome these limitations. Small businesses don’t have large reserves of excess cash to earmark for the massive training programs employed by the large corporations in implementing their Six Sigma programs. Small businesses generally can’t afford to have full-time Master Black Belts on staff and may not have the personnel with the skills and expertise to step into the role of Black Belts without extensive training. A certified Six Sigma consultant can act as your Black Belt for the initial projects until you have generated sufficient savings to be able to provide some of those savings for training your own people. Training happens at a slower scale for smaller companies but it still happens. Financially, savings realized from the first set of projects usually justifies the entire cost of the Six Sigma training.

Once some members of the organization have been trained as Green Belts, Six Sigma projects proceed with Green Belts executing Six Sigma processes. Incrementally, Green Belts are developed into Black Belts and new Green Belts are trained. Using a more gradual training approach addresses many of the constraints of smaller companies and allows them to implement Six Sigma at a pace a small business can more easily manage.

There is a benefit to implementing Six Sigma in a smaller business. Because of the size of a small business, the financial results and cultural transformation that stem from Six Sigma will propagate more quickly through a smaller organization. Focusing the Six Sigma tools at virtually any properly scoped project will drive savings to your bottom line and achieve breakthrough change in your organization.

About the author:
Peter Peterka

None of these Government Grants require a credit check, collateral, security deposits or co-signers, you can apply even if you have a bankruptcy or bad credit, it doesn’t matter. Its Free Money Never Repay!

The Federal Government is Giving out over 155.5 billion dollars in Business Grants!

Receive Government Small Business Grants for virtually any type of business. Whether it is to start a business or expand your existing business there is money for waiting just for you. The Federal government provides this money to help existing small business owners and those who want to start their own business change their lives and achieve financial independence.

The United States Government wants your Small Business to succeed and you will be amazed at the lengths they will go to help ensure your success. At Grant Seeker Pro™ we have designed a State of the art software program that will aid you in locating the perfect grant or grants for your small business!

Once you find the programs for Small Business Grants that fit your needs you can use the Grant Seeker Pro™ software program to complete the applications! Don’t forget to use your Grant Seeker Pro™ to complete your business plan also!

Facts About Government Business Grants:

# Over 20 million people gets Government grants every year

# Over 10 BILLION dollars for entrepreneurs in the form of Low Interest Small Business Loans.
# 4,000,000 people get money to invest in real estate!

# Did you know that if every business in America were to apply for and receive an equal share of Government Small Business Grants that each and every business in this great country would receive a $70,000 free cash grant?
# Did you know that H. Ross Perot has received Government Small Business Grants?

# Did you know Paul Newman has received Business Grants.
# Did you know Donald Trump has used Small Business Grants to fund many programs.
# Most recently the airlines have received Billions in grants to make sure they stay afloat through these troubled times.

Learn about complicated Tax Refunds or Tax Credits. These are programs largely overlooked by the Small Business owner. At tax time these special incentive programs can (depending on the size of your business) save you tens of thousands of dollars!

In spite of the perception that people should not look to the government for help, the great government give-away programs have remained so incredibly huge that if each of the approximately 8 million businesses applied for an equal share, they would each receive over $70,000.

Thought Affirmative Action was dead? If you did you thought wrong. Though many of the catch phrases are no longer in use most of the money that was available still is.

Every year Congressmen and Senators make promises to the people that put them in office. Many of those promises are made to minority groups in specific areas but most are made at a National level.

There are also Reserved Free Government Cash Grants now available for the following special interest groups. American Indians, Veterans, Family Members of Veterans, Low Income Families, Community Block Grants, Non Profit Organizations, First Time Home Buyers, Artists, Musicians, Nurses, Teachers, Researchers, The Disabled, People Suffering From HIV and AIDS, Substance Abuse. There are literally Millions Available; All you have to do is ask!

Can You Imagine receiving:

One Billion Dollars in Minority Business Grants for business start up!

Millions in Minority Business Grants to expand your existing business!

Receive $8,000 in Minority Grant for Free Legal Advice!

Millions Available In Minority Grants for the purchase of your first home!

Receive $75,000 Housing Grant to Remodel Your House!

Receive $6,000 in Minority Scholarship Grants for College Tuition!

State laws have been relaxed to make it easier for small business to raise start-up and growth financing from the public. Many investors view this as an opportunity to get in on the ground floor of an emerging business and to hit it big as the small businesses grow into large ones.

Statistically, most small businesses fail within the first few years. Small business investments are among the most risky that investors can make. This guide suggests factors to consider for determining whether you should make a small business investment.

Risks and investment strategy
A basic principle of investing in a small business is: Never make small business investments that you cannot afford to lose! Never use funds that may be needed for other purposes, such as college education, retirement, loan repayment, or medical expenses.
Instead, use funds that would otherwise be used for a consumer purchase, such as a vacation or a down payment on a boat or a new car.

Above all, never let a commissioned securities salesperson or office or directors of a company convince you that the investment is not risky. Small business investments are generally hard to convert to cash (illiquid), even though the securities may technically be freely transferable. Thus, you will usually be unable to sell your securities if the company takes a turn for the worse.

In addition, just because the state has registered the offering does not mean that the particular investment will be successful. The state does not evaluate or endorse any investments. If anyone suggests otherwise, they are breaking the law.

If you plan to invest a large amount of money in a small business, you should consider investing smaller amounts in several small businesses. A few highly successful investments can offset the unsuccessful ones. However, even when using this strategy, only invest money you can afford to lose.

Analyzing the investment
Although there is no magic formula for making successful investment decisions, certain factors are considered important by professional venture investors. Some questions to consider are:

 How long has the company been in business? If it is a start-up or has only a brief operating history, are you being asked to pay more than the shares are worth?
 Consider whether management is dealing unfairly with investors by taking salaries or other benefits that are too large in view of the companys stage of development, or by retaining an inordinate amount of equity stock of the company compared with the amount investors will receive. For example, is the public putting up 80 percent of the money but only receiving 10 percent of the company shares?
 How much experience does management have in the industry and in a small business? How successful were the managers in previous businesses?
 Do you know enough about the industry to be able to evaluate the company and to make a wise investment?
 Does the company have a realistic marketing plan and do they have the resources to market the product or service successfully?
 How or when will you get a return on your investment?

Making money on your investment
The two classic methods of making money on an investment in a small business are resale of stock in the public securities markets following a public offering, and receiving cash or marketable securities in a merger or other acquisition of the company.

If the company is not likely to go public or be sold out within a reasonable time (i.e., a family-owned or closely held corporation), it may not be a good investment for you  despite its prospects for success  because of the lack of opportunity to cash in on the investment. Management of a successful private company may receive a good return indefinitely through salaries and bonuses, but it is unlikely that there will be profits sufficient to pay dividends in proportion with the risk of the investment.

Other suggestions
Investors must be provided with a disclosure document  a prospectus  before making a final decision to invest. You need to read this material before investing.
Even the best small business venture offerings are highly risky. If you have a nagging sense of doubt, there is probably a good reason for it. Good investments are based on sound business criteria and not emotions. If you are not entirely comfortable, the best approach is usually not to invest. There will be many other opportunities. Do not let a securities salesperson pressure you into making a decision.

It is generally a good idea to see management of the company face-to-face to size them up. Focus on experience and record of accomplishment rather than a smooth sales presentation. If possible, take a sophisticated businessperson with you to help in your analysis. Beware of any information that differs from, or is not included in the disclosure document. All significant information is required by law to be in the disclosure document. Immediately report any problems to your state Office of the Commissioner of Securities.

Conclusion
Greater numbers of public investors are getting on the ground floor by investing in small businesses. When successful, these enterprises enhance the economy and provide jobs. They can also provide new investment opportunities, but the advantages must be balanced against the risky nature of small business investments.

About the author:
Larry Westfall

As we near the end of summer, here is a question I have for you, “Are you using the right form of energy to grow your business?” Are you having trouble growing your small business as fast as you want? Are you making all the right moves and still the business just inches forward? Read this article and see if you are using the right form of energy to grow your small business?

Head Energy
My consulting experiences have taught me there are two types of business energy. I call the first type “head energy”. This is the energy that comes from wanting to do better or more with your small business.

• You want more profits.
• You want more customers.
• You want better marketing.

Head energy is very powerful. It can inspire. It can achieve dreams. It can drive you forward.
Head energy also has limitations. Head energy promises fulfillment in the future. Before the future arrives you must sustain yourself along the way. If you fail to sustain the head energy, your hopes and aspirations tumble down. They become “the good idea that was never achieved!”

Gut Energy
I call the second type of small business energy “gut energy”. This energy involves your current business worries; your current business mistakes; the business issues that need fixing right now.

• What is decreasing your profits now?
• What is preventing you from having more customers now?
• What are your current marketing mistakes?

I call this gut energy because it sits right in your gut, churning away. This is extremely powerful energy because it is so immediate. It is right now! It calls for immediate attention. Fix the situation now!
Gut energy is not as glamorous as head energy. It is always more fun to dream about your future than to do the hard work of fixing your current mistakes. But when you want to see immediate improvements in your business, turn to your gut energy.

9 Common Small Business Mistakes

Here I list the 9 most common small business mistakes. Ask yourself if you are making mistakes in any of these areas. If so, you have the opportunity to find powerful energy to move your business forward.

1. Lack of cash flow
2. Poor planning
3. Forgetting your customer
4. Selling versus marketing
5. Lacking needed expertise
6. Misunderstanding credit
7. Becoming an advertising victim
8. Poor customer shopping experiences
9. Making yourself the center of your business

If you find yourself wondering how you can use your mistakes to grow your business, you may want to request my free report, 9 Mistakes That Can Kill Your Small Business. In the report, I provide more details about each of these business mistakes and ways to fix them. You can achieve powerful results in fixing your business mistakes. The report will help you find ways to use this energy to grow your business faster.
To obtain this free report, 9 Mistakes That Can Kill Your Small Business, click here, Free Report, a preaddressed email will be pop up, press the send button. The report will be sent to you via email with the report attached.

Conclusion

Head energy is a necessary part of every small business operation. It provides the vision you need for the future. For quick and immediate improvements, do not over look the gut energy you will find in fixing your current business mistakes. Your gut energy will offer a wonderful opportunity for growing your business in a fast and easy way.

© Al Hanzal August 2004

About the author:
Using simple, low costs strategies, Al Hanzal has helped small business owners improve their profits.

A great small business marketing strategy includes a mix of tactics. Advertising and PR are two very important tools that all small business owners need to be using regularly. Many small businesses I talk to do one of the other, but don’t commit to doing both. Each has its strengths and weaknesses and are complimentary to each other.

Small Business Advertising Strengths:
-The biggest advantage with small business advertising is your complete control over the message. You get to focus on whatever you want, write the text, and choose the visuals. You ensure that your marketing message is delivered.

-You control placement. You choose the exact timing and media in which your advertising is placed. This is a huge advantage because naturally you are going to choose to place your ads where your target market is most likely to see them.

-You can repeat your messages over and over again. Effective small business marketing incorporates a high degree of repetition and consistency. Advertising can and should be run on regular schedules.

-With advertising, you (and your budget) control your marketing saturation. You can run the same ad across different publications serving the same market, run matching Internet advertising, put an ad on the radio, do cable TV, do outdoor advertising, etc. Ideally you need to be reaching your target market at least 4 different ways for them to respond.

Advertising Weaknesses
-Advertising generally costs money. Most small businesses don’t have a huge budget for marketing. Sometimes being creative can help defray costs. Sometimes you can trade for advertising space. You may be able to do co-op advertising.

-Small business advertising needs to be very targeted to be effective. Sometimes the only choices you have in your community are mass-market like newspapers. You still need to advertise, but some of your marketing dollars will be spent to advertise to people who don’t want or need what you’re selling.

-Most small business advertising stinks. I hate to say it, but it’s true. Many do-it-yourself advertisers don’t understand that there are advertising fundamentals that work. A good ad will always out-pull a bad one. Here’s my plug: If you can’t invest the time and money to learn how advertising REALLY works, get yourself a small business marketing coach to help you build more effective campaigns. It will be money well invested.

PR Strengths:
-It’s FREE! OK, you might incur a very small charge if you hire someone to write and distribute a press release for you, but this is minimal. I think the reason why most small businesses don’t do PR is that they don’t know how it’s done. Again, get some coaching, or pay someone to do it for you.

-Press is trusted more than advertising. If you read a review that says that a new restaurant is the best thing in town, there’s some credibility there. We tend to assume that a person who is writing an article is an expert, and that they are an uninterested third party.

-You can distribute PR globally. As long as what you are doing is actually interesting globally, you can distribute your press releases globally. This isn’t necessarily as targeted as your advertising needs to be, but you’re not paying for editorial. By the way, never pay for editorial, and don’t advertise with media that promises to give you editorial as long as you advertise. This is unethical and transparent - and the credibility of the media will always be in question.

PR Weaknesses:
-You have no control over what the press is actually going to write or say about you. They may spell your name wrong, they may get some details wrong, they may choose to focus on something you don’t want to highlight. In general this isn’t a big issue, as long as they are saying good things about you.

-PR tends to be single exposure. Unless circumstances are really unusual, the press is not going to run the same story over and over again. I have been involved with an exception to that. I was doing something that corresponded with a current event and the press came to me again and again over 4 weeks for TV interviews. This was pure timing. It’s difficult to engineer press like that without seeming mercenary.

-There is no guarantee that you’re even going to get coverage. I was called to do a TV interview once and rushed into the city to meet the reporter and photographer. On my way in ,the reporter called me on my cell phone to tell me they were pulling the story because there was breaking news that they had to go cover. Depending on what’s going on you may get tons of press or none at all.

You see that small business advertising and PR are different things. You need them both, and you need to work at both of them consistently. They are two important tools in your small business marketing toolbox.

About the author:
J D Moore

Q: A friend told me that as a woman of Native American descent I might be eligible for a special SBA program that will help me start a small business. He said I could compete for government contracts through this program. Can you tell me what SBA program he’s referring to?
– Clara P.

A: Your friend is probably referring to the Small Business Administration’s (SBA) 8(a) Business Development (BD) Program. The 8(a) Program (named after the section of the Small Business Act from which it comes) is an SBA program created to help small disadvantaged businesses better compete in the U.S. marketplace and within the arena of government procurement. The SBA provides business development, technical assistance and other services to the small businesses that are accepted into the 8(a) program.

The 8(a) program is reserved for what the SBA calls “socially disadvantaged individuals.” Socially disadvantaged individuals are defined as those who have been subjected to racial or ethnic prejudice or cultural bias because of their membership in a disadvantaged group.

The SBA has designated the following groups as socially disadvantaged:

· Black Americans · Hispanic Americans · Native Americans (Native American Indians, Eskimos, Aleuts, and Native Hawaiians) · Certain Asian Pacific Americans · Other individuals who can prove that they meet the SBA’s criteria to be considered socially disadvantaged

One point where your friend is incorrect is that the 8(a) program is for new companies. The 8(a) program is primarily for companies that have been in business for a minimum of two years, though that rule may be waived if your company is able to meet some pretty strict management, financial, and performance criteria.

Obtaining 8(a) status is no guarantee that a company will be successful in obtaining government or other contracts, but it certainly doesn’t hurt. The Small Business Act mandates that all small businesses have the opportunity to provide goods and services to the U.S. government. To help ensure that mandate, the SBA negotiates annual procurement preference goals with every Federal agency and reviews each agency’s results to make sure the goals were met.

The statutory goals are: 23 percent of all prime contracts go to small businesses; 5 percent of prime and subcontracts for small disadvantaged businesses; 5 percent of prime and subcontracts for women-owned small businesses; 3 percent of prime contracts for HUBZone small businesses; and 3 percent of prime and subcontracts for service-disabled veteran-owned small businesses.

A HUBZone (Historically Underutilized Business Zone) is a designated area within urban and rural communities that has been given preferential contract award consideration in an effort to stimulate economic development. A company may qualify for HUBZone status if it is owned or controlled by one or more U.S. citizens, has at least 35 percent of employees who live within the designated zone, and has a principal office located there. HUBZones are a whole ‘nother topic that we can discuss at another time. Suffice it to say that a company that obtains both 8(a) and HUBZone status may be entitled to double dip in the government procurement trough, that’s why you often find a number of 8(a) companies specifically moving into HUBZone areas to take advantage of the perks both programs offer.

The U.S. government purchases billions of dollars in goods and services every year, everything from staples to those wonderfully expensive toilet seats. Obtaining 8(a) status allows small businesses to compete for a portion of that business.

The basic requirements for applying for 8(a) status are your company must be a small business as defined by the SBA, must be owned and controlled by one or more socially and economically disadvantaged individuals who are U.S. citizens, and must show a potential for success. The SBA defines a small business as “one that is independently owned and operated, is organized for profit, and is not dominant in its field.”

As expected, the 8(a) program has its fans and its detractors. It’s fans are those companies that obtain 8(a) status and thereby get preferential treatment when competing for government procurement contracts.

The program’s detractors are typically those companies that fail to obtain 8(a) status or that do not meet the definition of socially disadvantaged, i.e. businesses owned my white American males (that’s a can of worms we won’t open this week).

You can learn more at the SBA’s website (sba.gov) or by calling your local SBA office.

Here’s to your success!

About the author:
Tim serves as the president and CEO of three successful technology companies and is the founder of DropshipWholesale.net, an online organization dedicated to the success of online and eBay entrepreneurs

When running a small business there can be several jobs and
tasks to take care of. Obviously knowing where the money is
coming from and going is essential to running your business.
That’s why it is good to find out which small business
accounting software is best for you to help you run a well
organized and efficient small business.

There are hundreds to thousands of small business accounting
software out there to help you with reports and tools needed to
use your financial data. Depending on the one you go with will
depend on how much you’re going to pay for it. The more you
pay, the more accessories and programs there will be that come
with it. Some come with a billing and time module, various
amounts of financial and management reports, and more. You can
choose to get it in different editions from basic, online, pro,
or premier for your computer.

One small business accounting software that is recommended is
the 2005 Peachtree Complete Accounting. This is a multi-user
ready system that provides you with all the features needed.
You’ll have features including in-depth inventory, job costing,
time and billing, fixed assets and more. With all these great
features the price of this runs between $165-$290 as it is sold
by different merchants. You can shop for this product through
the different merchants here:

http://about.pricegrabber.com/search_getprod.php/masterid=2936006/search=Peachtree%20Complete

Another feature that is offered with certain software is the
capability to scale as your business grows. That is just one of
the many features that the high end Microsoft Business Solutions
Small Business Financials North America Edition offers. Also
included in this program is the capability of keeping record of
financial management, sales, purchasing, inventory, payroll, and
reporting. This is software that will easily allow you to run
an organized small business and keep track of the people in it
and all of the numbers associated with running a small business.

This software will give you everything that you’ll truly need.
With this high end software is a hefty price as it runs between
$995-4,500, so you’ll have to decide how big your small business
is going to get. If you’re going to be running a large small
business, then this will be worth it to help keep track of all
the payrolls and inventory and more. On the website listed
below, you’ll also see a free 60-day CD demo that you can try it
out first to see if you like it.

http://www.2020software.com/products/Microsoft_Business_Solutions_Small_Business_Financials_North_America_Edition.asp

There is plenty more software to choose from, but there’s a high
end software and a cheaper software to check out. If you go to
http://www.2020software.com/default.asp you’ll find a list of
what this website claims the top 7 software out there. Included
on this list is the Microsoft software I have briefly talked
about just above.

This list is going to consist of the more expensive software out
there. All of the software on the list is priced at above
$1,000 with some of them reaching the $100,000 mark. While it
is pricey, it will install very easily, be very secure over the
internet and computer, and offer all kinds of features you
wouldn’t even consider such as a built-in report writer to help
deliver the content in the format you need.

Now you know the general price range for accounting software and
the features you’ll get for what you pay for. In order to get a
good quality software for your small business it’s going to be
pricey, but it will help keep your business organized and in
tact. So don’t be afraid to drop some money on software that
will help expand your business in the long run.

There comes a point in time when every small business person
contemplates on whether to incorporate their business or not. A
lot of times small businesses start out sole proprietorships,
and then become incorporated as the business expands and
develops. Small business incorporating can be a difficult
decision, and with this article you’ll gain a little bit of
knowledge on the advantages and disadvantages.

There are many advantages to incorporating your small business,
but limited liability is one of the biggest advantages. When
you have sole proprietorship to the company all the liability of
the company is on the owner. When incorporating the business,
your only liability is to however much you invest in the company.

With sole proprietorship, all of your personal belongings, such
as car and home, can be turned over to help pay the debt of the
business. As a shareholder in the business, you have no
responsibility whatsoever for the debts of the business, that is
of course unless you give a guarantee.

Another advantage to incorporating a small business is the
ability to raise money so much easier. With the ability to
raise money much easier, this increases the odds of the
corporation growing and expanding. Yes, you’re saying any sole
proprietorship can borrow money and incur debt like any
corporation. However, with a corporation you can sell shares
and raise equity capital, which is a big advantage in that you
generally don’t have to repay equity capital and it has no
interest.

There are many tax advantages with becoming a corporation that
you can take a look at as well. Some of these advantages
include income splitting, potential tax deferral and more.
Along with the reasons above, a corporation can have an
unlimited life. The life of a corporation is not dependent on
particular individuals, but the company as a whole. With this,
the company has the opportunity of lasting forever just as long
merges with another company or goes bankrupt.

Now that I’ve buttered up the idea of incorporating your small
business, let’s take a look at some of the possible negatives.

As you incorporate your small business, there now will be two
tax returns to file each year, one for your personal income and
one for the corporation. This may not be a huge deal, but
unlike a sole proprietorship a corporation cannot deduct its
losses from the personal income of the owner. Plus, having
another tax return is the last thing another business owner
wants to deal with.

As a corporation is much larger and more complex then a small
business, therefore the cost to create one is much higher. Just
to set up the corporation will cost a lot more, then you have to
tack on the increased maintenance fees, accounting fees, and
more.

As with everything else, a larger business means more paperwork
that must be taken care of. Corporations must keep a minute
book, which contains the corporate bylaws and minutes from
corporate meetings. Reports and tax returns must be completed
neatly and in a timely fashion. All of the business bank
accounts and records have to be kept separate from personal
accounts and assets. That may sound like a load, but that is
just the start of the increased paperwork that comes with the
territory of incorporating your small business.

While there are many advantages and disadvantages to
incorporating your small business, the decision ultimately goes
to you. It is a decision that could make or break your
business, therefore much more research is recommended. However,
small business incorporating should be a thing that suites you
and others associated with you best.

Are you - like 70 percent of small business owners — working without a plan? Here are three myths that need to be dispelled about strategic planning for small business.

1. It has to be formal - Not so.

The value of a strategic plan for your small business is in putting the ideas on paper, creating action steps that will get you where you want to go and implementing those action steps.

2. I’m too small — Not so.

Even a one-person business can benefit from a strategic plan. A strategic plan can help you make decisions about time management and budget. You can use your strategic plan to help you determine whether to attend an event or advertise in a publication. It’s a check and balance tool.

3. A strategic plan is like a ball and chain — Not so.

It’s your plan. Too many small business owners feel like once it’s on paper, it can’t be changed. Wrong! Your plan should be an active document that gets reviewed and updated at least monthly, if not weekly. You’re the business owner, you wrote it, you know what’s happening in your market — adjust as necessary.

About the author:
Denise O’Berry

If you’re looking for a guide to how to get health insurance and
what kind of health insurance is best for your small business,
then this is the article for you. Your business qualifies for
small business health insurance if you have anywhere between two
and fifty employees in it. If you are self employed then you’ll
want to look into getting self employed health insurance.

There are many benefits to getting small business health
insurance. A small business health insurance plan will help
spread the financial risk around to everyone and not just
yourself. As this is the case, this generally will bring lower
premiums and more extensive coverage. Along with this, the
health insurance provides medical care for you and all other
employees as well.

With a small business health insurance people often get group
insurance. This too has its advantages on several different
aspects. All contributions from the employers are 100% tax
deductible, and you’ll save on payroll taxes as well. Small
businesses will be eligible for group insurance just as long as
you have two or more full time employees working.

When setting up a group insurance plan for your small business,
all members will be set up with a coverage plan with rates
calculated using the group and individuals. After that it is up
to the separate employees themselves if they wish to add riders
and additional coverage to satisfy their needs. Keep in mind
that not all employees in the small business have to join the
group plan. Just as long as there is no fewer then two
employees in the business that have the group insurance plan,
then you will be fine.

The cost of the group insurance plan varies based on several
different characteristics. Some of these include age, health
status, business and/or residential location and so on. Like
everything in this world it’s not going to be cheap, but it will
be cheaper then having a bunch of separate health insurance
plans.

Most health plans are going to require employees to pay at least
half of the premium cost for covered employees. Some employees
will offer to pay 100% of the cost, white now there is a new
health plan giving employees the option to pay as little as 25%
of the cost. Just know that typically most types of coverage
will cost employees a minimum of $1,600-$2,500 per year per
employee. By clicking on the link below you can begin getting
quotes for your small business health insurance.

http://www.buyerzone.com/benefits/health_insurance/qz_questions_2.jhtml

Just remember that many times medical services are needed
unexpectedly. If you or other employees do not have health
insurance this could be a devastating blow to the wallet. The
cost of a hospital visit, depending on the circumstance, will
many times be much higher then the cost of health insurance.
You want to be able to live life knowing that you’re insured
just in case the unexpected happens. Nothing hurts to at least
look at some quotes and talk it over with other employees, but
you have the power to make the decision.

About the author:
Small business grants and small business resources to help you start and run your own small business. Small business training, information, articles, loans, and more.

The United States Federal Government spends more than $600 billion dollars each year on buying goods and services from the private sector. The federal government is the world biggest consumer of goods and services, and advanced technology systems. The government purchases an array of products and services in nearly every category. The federal government spends billions of dollars yearly on training and development, information technology, telecommunication products, law enforcement, fire safety, management consulting, medical services, environmental services, just to name a few.

Are there real federal opportunities for your small business? I can’t tell you with certainty that it does but I can tell you that federal policy actively encourages agencies to give procurement preferences to small, small disadvantaged and women owned firms by establishing annual procurement goals. The enormous federal marketplace offers potentially lucrative business opportunities.

The Small Business Administration negotiates annual procurement goals with each agency to ensure that small, minority and women owned firms get their fair share of federal procurement contracts.

Example of Federal Procurement Contract Award Goals for Fiscal Year 2005

 23 percent of prime contracts for small businesses

 5 percent of prime and subcontracts for small disadvantaged businesses

 5 percent of prime and subcontracts for women-owned businesses

 3 percent of prime and subcontracts for HubZone small businesses

 3 percent of prime and subcontracts for service disabled veteran owned businesses

Under the Small Business Act all federal government contracts under $100,000 must be targeted to small, small disadvantaged, small women-owed and small service disabled
owned companies. This federal law creates very distinct marketing advantages and business opportunities for small, minority, and women owned businesses seeking to to business with the federal government.

The Federal Government provides small businesses with procurement resources within Federal Agency Offices and Specialize Programs.

Here are some of the Small Business Procurement resources:

 Offices of Small and Disadvantaged Business Utilization (OSDU) within federal agencies is responsible for promoting the use of small, small disadvantage and special status businesses.

 Small Business Administration’s Office of Government Contracts administers programs and services designed to help small businesses meet the requirement necessary to compete for and receive contracts.

 Mentor-Protégé Program is designed to encourage federal prime contractors to form a partnership and provide technical assistance to Small Business Administration certified women-owned, small disadvantaged and small businesses owned and controlled by service disabled veterans.

 WomenBiz.gov is an online gateway for women owned business seeking to do business with the federal government.

 Minority Business Development Agency which is part of the United States Department of Commerce offers assistance to minority owned businesses.

The Federal Government is a major and growing marketplace. With over 2500 buying offices nationwide and expanding budgets buyers are waiting to hear from your small business. The financial rewards are well worth the time and efforts. Don’t sit on the sidelines recession proof your small business and start marketing your products and services to the federal government. Get your slice of the $600 billion dollar federal contracting pie.

About the author:
Robert Moment

If you ask most small business owners what priority CRM has in their short-term business plans, chances are you’ll get more than one blank stare. The fact is that most small business owners don’t even know what CRM is not to mention how significantly it can benefit their growing company. This prevailing ignorance of small business CRM (customer relationship management) usually stems from just a few basic causes.

Excuses not to invest in small business CRM
The first and most common reason for disinterest in small business CRM is the very nature of small business. With limited financial and personnel resources at their disposal, business owners believe they can’t afford the money or time that a small business CRM system would require to show a significant ROI. Often times the chief concern is just staying afloat long enough to sign that big contract or receive a large product order.

Still other owners of new businesses believe that they can build and maintain quality customer relations simply by the virtue of the their cordial personality or particular market niche. They see small business CRM as an unessential luxury to be enjoyed exclusively by their larger competitors. What these owners often find is that without sufficient small business CRM support their business will never expand beyond the number of customer names they can remember. The problem is compounded when the company expands into internet sales (an essential move by any growing company) and suddenly finds its present customer tracking system overwhelmed by the sheer amount of incoming customer information.

The Bottom Line
The bottom line, as all successful small business owners have learned, is that it takes more than one good idea to build long-term business growth and stability. You may be great at attracting new customers to your business, but if you fail to care for, track, and understand your customer base, not only will you hemorrhage your hard-won clientele, you will also fail to capitalize on future opportunities by not anticipating future market trends.

The Solution
The good news about small business CRM is that there is an increasing number of automated systems available at prices that most smaller companies can afford without too much difficulty, usually around $2000 a year. Some CRM companies, effectively eliminating the need for small business owners to micromanage their CRM system, largely manage newer small business CRM systems. Now small business owners can reap the benefits of a smooth running CRM system with a minimal time/financial investment.

Features to look for in a small business CRM system
There are many features available to small business CRM users designed to not only track sales, but also cause sales. Here are some features to look for.
· Power Dialing-This feature allows your outbound sales agents to place 300%-400% as many sales calls, effectively quadrupling your workforce.
· Voice Messaging System-Allows you to automatically record and send sales calls designed to elicit a customer call back.
· Custom Fax and Email-Following up on leads with timely fax and email can mean the difference between closing sales and missing out on potential revenue.

Other ‘must-have’ features include:

· Calendaring
· Marketing management
· Sales management
· Order and quote management
· Service management

With the ability to outsource these business functions, small business owners can concentrate on implementing strategies that they’ve had to hold off on due to lack of customer information and/or time.

Cameron Brown

Do you want a small business opportunity that could create more business for you? It is a chance to sell to the government. Bring in new customers is always the number one goal of many business owners. It is the life blood of any operation and if you want your business to stay healthy then you must bring in fresh new customers and keep them coming back with a great service or product.
I would like to introduce you to the 59.005 Business Development Assistance to Small Business program.
This program is excellent for bringing in new business and revenue. Get help from this program to sell to the government. They will assist your small business in obtaining a “fair” share of contracts and subcontracts for Federal government supplies and services and a “fair” share of property sold by the government.
What an excellent opportunity this is! I would rather sell a lot more to meet my goals than to have to get a small business loans or small business grants.
What they can do for your company is:
(Restriction of bidding/award to small business only)
(1) Your application will set-aside the chance to increase the Federal procurement and disposal requirements awarded to small business for a great small business opportunity;
(2) You will receive consultation with procuring activities on structuring of procurement and sales planning to optimize small business participation;
(3) They will also review and analyze you small business capacity, credit, integrity, perseverance, and tenacity when challenged by contracting officers and certifying competence of such firms to perform as prime contractors, as appropriate, and monitoring performance of certificate of competency holders throughout contract life;
(4) They will also review of subcontracting plans and programs of large prime contractors to determine the extent that they are providing subcontracting opportunities to small businesses, veteran-owned businesses, service-disabled veteran-owned businesses, HUBZone qualified businesses, small disadvantaged business, and women-owned small businesses;
(5) When they give you consultation and advice for small businesses requesting assistance on government procurement or property sales matters, you must keep in mind that all consultants are not the same. It is very important to get one that you like and is passionate about their job.
(6) They will also help you with specific contract administration problems;
(7) They will see if you qualify for the SBA’s procurement and financial programs;
(8) By doing this they want to breakout of items from a the same old stale source of buying in favor of full and open competition in order to achieve savings;
(9) One of the goals that they have is to review small business programs at Federal buying activities to evaluate effect on small business participation and recommend changes; and
(10) management of the Central Contractor Registration’s Dynamic Small Business Search, a nationwide Internet database of information on small business, a marketing tool for small firms and a “link” to procurement opportunities. It pays to at least get registered and listed in this data base.
Existing and potential small businesses are eligible to apply. A small business is a business entity organized for profit, with a place of business located in the United States and which makes a significant contribution to the U.S. economy through payment of taxes and/or use of American Products, materials and/or labor.
Generally, an employee based size standard not in excess of 500 employees is used for manufacturers for wholesalers, average employment not in excess of 500 is used; for general construction, a revenue based size standard not over $28,500,000 is used; for specialty trade construction, revenues not over $12,000,000 is used; for retail and services contracts, revenues not over $6,000,000 is used; and for agricultural enterprises, gross annual sales not over $750,000 is used.
Self-certification of documentation is sufficient for representation as a small business, women-owned small business, veteran-owned small business and service-disabled veteran-owned small business. SBA certification is required for status as a HUBZone small business, 8(a) small business, and Small Disadvantaged Business.
The range is about 15 days for certificate of competency; no approval is required on other programs for this .small business opportunity.
The government grants that guarantees this small business opportunity programs for small business grants totaled: FY 04 $4,606,675,000; FY 05 est $3,250,000,000; FY 06 est $3,000,000,000. Administrative Expenses: FY 04 $38,013,000; FY 05 est $34,188,000; and FY 06 est $36,406,000
In fiscal year 2004, $11.2 billion in government grants for prime contracts was set-aside for procurement limited to small businesses to give you an excellent small business opportunity.
Title 13, Code of Federal Regulations, Part 125; “Government Contracting Programs;” Government Contracting and information for this small business opportunity from SBA offices. Forms to obtain necessary assistance are provided by SBA field offices. To find where they are listed you can go to Associate Administrator for Government Contracting, Small Business Administration, 409 3rd Street, SW., Washington, DC 20416. Telephone: (202) 205-6460 http://www.sba.gov
Other small business opportunity programs that are related to selling to the federal government are:
17.301, Non-Discrimination and Affirmative Action by Federal Contractors and Federally Assisted Construction Contractors can use this small business opportunity;
17.303, Wage and Hour Standards;
36.001, Fair Competition Counseling and Investigation of Complaints;
39.001, Business Services is another small business opportunity;
43.002, Technology Transfer is the chance to participate in another small business opportunity;
59.006, 8(a) Business Development is a good small business opportunity that you should consider.

About the author:
I am a college student and single parent who relies on federal grants everyday.
I built this free information and education website that helps find federal grants to promote economic development.

After the latest advice concerning small business insurance rates. Often when you are looking for superior advice about small business insurance rates, you’ll find it difficult separating value packed information from misguided small business insurance rates submissions and proposals so it’s prudent to know how to qualify the information you are often given.

About the author:
Tom Brown

There are hundreds of GNU/Linux distributions around, each with its strengths and weaknesses. One that stands out from the masses is Debian. It is the only major distribution not developed (or even backed) by commercial vendors, but by a group of volunteers around the world. Its main features are robustness, great software package management, a huge software collection consisting of more than 15,000 pre-compiled packages ready to install and run, and a transparent and always helpful support system based on mailing lists and a bug tracking system.

But, there is something else that makes Debian special: No other distribution has seen as many offspring distributions as Debian has. Among them you’ll find customized Linux distributions for regional markets like LinEx (a government-driven project in Spain), or the shooting star Ubuntu (developed by a commercial vendor). The reason for this popularity is obvious: The Debian distro is not only free, but boosts flexibility and transparency.

If you use another Linux distribution and you are interested in changing, after you read this article you should install Debian for sure…

Russians have a thing for chess and, frankly, are very good at it. Being from San Diego, I thought chess was something you put photo albums in.

Playing Chess

Playing chess requires thinking ten or twelve steps ahead. If I wanted to understand the Russian mind, I had to learn to play chess. If nothing else, it would be a good way to pass the time. This I was told by Robert, an American living in the same town as me.

I wasn’t particularly excited about learning, but gave in one day after growing tired of staring out the window. I had seen the movie, “Searching for Bobby Fisher”. What more could I possibly need? How hard could it be?

After beginning the game, Robert took pity on me after I apparently made some moves that were questionable. He explained why he was making particular moves and the resulting implications for my king. The game proceeded slowly while he explained strategies to his inattentive student. Then the magic moment occurred.

I imagine every teacher suffers from the occasional embarrassment of being outdone by a student. I like to call it beginner’s luck and invoke the empirical evidence at horse racing tracks and Las Vegas casinos. If you’re a first timer, you will always win. It doesn’t matter if you’re betting on a horse because of the color scheme or hitting on black jack while already holding 19 in your hand. It just happens.

With our chess game, Robert had made a particular move and was in the process of explaining it. I sat staring at the board and thinking deep thoughts, which is to say I was wondering what was for dinner, etc. Just then, I noticed something on the board, moved my rook and declared, “Checkmate!”

Robert stared at the board. Then he started laughing. Then he wanted to play again. Being a good sport, I immediately announced my retirement as a chess player.

Unfortunately, I couldn’t leave my victory alone and gloated to a few people about it. Make no mistake, Robert would beat me a million times if we played a million games, but you have to live in the moment!

Within a few days, karma struck and I began to pay for my gloating. People would start showing up at my apartment with chessboards and, of course, vodka. The games were so laughably one-sided it was ridiculous. Typically, I would make two moves and then hear “Sah!” which I believe meant “check!” in Russian.

My humiliation occurred more or less every day for roughly a month. Some of the victorious would even come back for a second pounding. Finally, I had to take the dramatic step of refusing to answer the door.

In the end, I set the game of chess back a few hundred years and Robert had his vengeance.

About The Author
Rick Chapo

How depressingly gray would be a world where everything is governed by a set of universal rules rigorously shaping everything? Isn’t it better if we strike back with a chance to confound the tweed coated straight laced brigade and weave a little exotic odds into life that are not really approved of. It is precisely this change that inspires even the most sober of us to risk a couple of quid. But the art of a successful competition is to not only create a game that has a real chance of success for the entry stake, but allows us to lose that stake without significant damage to our ongoing lifestyle. Placing bets on football matches using various tips and tactics helps us achieve this motive.

In this article we shall thus discuss about the major tips and tactics that help us make the best of our money. Football betting is not like the other traditional casino games. Those games are games of chance where the house always has a built-in edge. Football betting is different in that you can choose which games to wager on and which games to pass on. By only betting on games that have a positive expected return and passing on games that have negative expected return, the football betting enthusiast can thus turn the tables on the sports book and put himself in the position to always have the edge.

Basic knowledge of sports handicapping is required

Football betting requires a basic knowledge of sports handicapping. You need to understand what goes into determining the spread and how to arrive at an educated guess at the game outcome. Football handicapping is part science and part art. The best football handicappers not only know how to analyze the statistics, they also have an instinct gained from years of experience. To acquire these skills and instincts the punter needs to do handicapping for him self using picks and recommendations from other bettors as simply a starting point.

Handicapping is all about acquiring and using the right information

Handicapping is all about acquiring and using the right information. You are attempting to predict the future. You do that by looking at what has happened in the past, which is where statistics are useful, and by looking at the current situation, which is where the latest news is critical.

However one should always remember that even the best handicappers are rarely right more than 58% of the time. Our goal should be to win more than 50% of the bets.

About The Author
Rob Mellor

The World Series of Poker has sprouted many followers in the last couple of years. Amateur tables are popping up all over the world and friendly cash games are everywhere come Friday night. Whether it is for thrill or profit the so called sport of poker has the attention of many onlookers year round. While Amateurs know the basics of the game they usually get lost in all the poker lingo spoken at the casino poker tables. While some is lingo is made up by experienced players to throw off the amateurs, some are actually well known terms in the poker world that any amateur trying to make it big should know. Below is a guide to all the poker lingo you could ever want to impress your friends or intimidate an experienced opponent. Take a look.

Ante: The initial money thrown into the pot to induce betting. This is done before the flop.

All In: When a person decides to put all his chips in to bet on a certain hand. No Limit Hold’Em is the most popular game and All Ins are allowed as many times as a player wants. In Limit Hold’Em you cannot bet more then the pot itself.

Backdoor: Backdoor is a reference to when players are chasing a card that has not come up yet but has a good chance to. Having 4 cards of the same kind is a backdoor flush draw, having four cards in a row is a backdoor straight draw.

Bad Beat: A Bad Beat occurs when a player has a large advantage over the other and the last card beats the big hand by luck. Bad beat is usually used to imply that the player with the weak hand should not have been in the hand at all and it was by mere luck that he won his underdog hand.

Blind: In Texas Hold’Em, the game uses blinds instead of antes. The blinds are forced bets to induce some money in the pot by the two people sitting to the left of the dealer. The first person to the left of the dealer is the “small blind” and bets a smaller amount. The second person to the left of the dealer is the “big blind” and bets twice what the small blind has.

Bottom Pair: The lowest pair out of the cards out on the table.

Check: When a player decides to not bet he calls “Check”. This is the option of betting zero dollars.

Check Raise: When a player checks with a strong hand hoping another opponent will raise. The player then re-raises with his strong hand thus getting more money out of his opponent in the pot.

Drawing Dead: When a player is trying to make a hand that will still not win the pot.

Flop: The first three cards that are “flopped” onto the table. These are also called community cards.

Heads Up Play: When there are only two players playing a certain hand they are considered “heads up”.

Muck: A pile of unused cards usually in front of the dealer. These come from folded or burned cards. To “much your cards” is to fold them by throwing them into the muck pile.

The Nuts: Likely the favorite expression of any poker player. The Nuts indicates a hand that is mathematically unbeatable with the cards on the table.

Offsuit: When the two cards you are dealt are of different suits.

Pocket: The two cards dealt to you in Texas Hold’Em that only you can see.

Rake: The total amount of money that the casino’s dealer takes out of every pot.

The River: The last card to be flopped on the board. The 5th card to come out in a Texas Hold’Em game.

Short Stack: The short stack is referring to the player with the least amount of chips at the table.

Tell: A tell refers to a players action when he or she has a good or bad hand. Some players take off their sun glasses when they have a bad hand. Other players tend to itch their right hand when they have a good hand.

The Turn: The fourth card to be flopped onto the table in a Texas Hold’Em game.

These are the necessary terms in order to keep up with the pros. There are hundreds of other terms in the world of poker, yet they are much less needed or too experienced for the amateur. Learn this lingo and impress your friends or play at experienced tables and wow the crowd. Lastly, poker is a great game, but the greatest player in poker knows one this: When to know you’re beat. Everyone likes to hold’em, but sometimes you get that feeling and you just have to fold’em.

About The Author
John Harding

There is a very good reason why people enjoy a regular poker game with their friends and work colleagues. It is fun. It is relaxing. It is social. It is an excuse to eat sandwiches and chips and forget about trivial things like bills and pressures at work. Whether you bet with chocolates, peanuts, cat food coupons, your spare change or a bankroll, poker is a social thing.

The problem with the weekly poker game is that it is only weekly. Being able to escape into that alternate world where the only thing that matters is the game should happen more often than that, shouldn’t it? Great news: it can. When you play online poker at Internet casinos, a great poker game is only a few clicks away, anytime of the day or night. And there are always real people out there playing with you, so you can maintain that same social feel in an Internet casino.

Online poker games are a great means of escape. Much cheaper than most trips to Las Vegas or Atlantic city, an Internet casino is an inexpensive way to enjoy something you usually have to wait for all week, or in the case of a real Las Vegas vacation – all year for. No more vying for that boring company conference in Las Vegas just so you can hit the tables. At an Internet casino you can play online poker and enjoy yourself without having to worry about making any meetings!

Meet new friends or get to know the regular players at your favorite Internet casino. Online poker is a great way to socialize from the comfort, privacy and safety of your own home; and hey – all your drinks are on the house! So, what are you waiting for? Get involved in an online poker game today!

About The Author
Adel Awwad

Roulette is considered t be one of the most popular casino games in the world. It tends to draw players from all types of backgrounds. Being a relatively simple game to understand while offering a diverse range of betting options and payout outcomes is what makes Roulette such a big hit with the players. Roulette is also considered to be one of the casino’s biggest money makers because it tends to place the odds in favor of the casino. Whether one is placing bets on an American Roulette Wheel which has 38 numbers (0, 00, 1-36), or on a European Roulette Wheel which has 37 numbers (0, 1-36), the odds are usually in favor of the casino, especially if one places bets such as a straight up bet (a bet covering one single number) or a split bet (a bet covering two numbers). Of course there are other types of bets which will increase the odds in the player’s favor such as a dozen bet (a bet covering twelve numbers), or an odd or even bet (a bet covering eighteen numbers), but covering eighteen numbers out of a possible 37 or 38 still places the odds in favor of the casino.

Having tried many different betting systems, I finally found one that places the odds in favor of the player, is very simple to understand and does not carry a large degree of risk as far as losing one’s money is concerned. If the aim of the player is to cover as many outcomes as possible while increasing the chances of winning, then this may be one Roulette system that is worth a try. Being a low risk system, the payout from a win is only 3 to 1, but the odds are 63.16% in favor of the player in an American Roulette game and 64.86% in favor of the player in a European Roulette game.

The logic of the system is as follows: By placing two Dozen bets of equal amounts, the player is essentially covering 24 numbers which is over 60% of the total numbers on the wheel. The chances of losing the bet are between 35.13 % and 36.84% which is far lower than a Column bet or Colored bet. If the winning number falls in one of the two Dozen bets, then the player will receive three credits for the two credits wagered.

For example, let us assume that you have placed a bet of $10 on the numbers 13 - 24 and another $10 bet on the numbers 25 - 36. Now you have covered over 60% of all the numbers and if you win, you will be ahead by $10. As mentioned earlier, the returns may not be high (depending on how much money is wagered), but the chances of winning each bet tend to be higher than usual.