Small Business Blog

Archive for June, 2010

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Poor financing is the number two reason small businesses fail, falling right behind poor management. Sufficient funding is paramount to the success of small businesses, and small business grants can be the answer to the problem. If business owners have the necessary knowledge about how to find and properly request grants, they have a better shot at creating a successful business that will be open longer and prosper.

There are over 300 different grants and loans available for small businesses that are just starting out. The grants range from $25,000 up to $1,000,000 depending on the size and projected success rate of the business. There are also grants available to help small businesses grow or expand. Grants are not the same as loans because they do not have to be repaid. A grant is considered free money, as well as an investment to promote the success of small businesses and the U.S. economy. Money for grants comes from income taxes. Obtaining a small business grant does not require credit checks or deposits, even if the owners have experienced bankruptcy in the past.

There are a number of helpful websites that send small businesses government grant packages for free, excluding the cost of shipping. These packages include information on how to find grants, how to prepare a grant request, and how to apply for grants pertaining to a specific business. Some of the providers are Government Funding Solutions, Grant Master, and Grant Wizard.

It is important to be familiar with the Small Business Administration’s (SBA) rules for receiving grants before beginning the process of obtaining one. Although the SBA does not provide grants to small businesses, they do provide helpful suggestions and resources on how to find grants.

In order to qualify for a small business grant, individuals must first become familiar with the 13 CFR 143 document that lists all of the requirements to be eligible for a grant. This document includes information on the pre-award and post-award periods and defines all aspects of applying for a grant and states who is eligible. The CFR is the primary source of rules and regulations for small business grants and must be read before starting the grant writing process.

After reviewing the requirements, prospective business owners must write a grant request. There are professionals who will write a grant proposal or the individuals may complete it themselves. The Catalog of Federal Domestic Assistance is a helpful site that links individuals to resources about federal grants for small businesses. Afterschool.gov gives helpful tips on how to write a small business grant and, although it is geared toward grants for after school programs, includes helpful information for grant writing in general.

Additionally, there are many well-established government and private organizations that provide grants to small businesses. The Department of Justice’s Ten Grant document gives access to grant opportunities for those conducting research in support of law enforcement. The Department of Labor’s Employment and Training Administration has several grant opportunities for small business owners. They offer about $125 million to businesses that are based in a community setting with special attention to training programs. The Department of Transportation is another organization that offers small business grants. They offer grants to any business willing to help resolve the growing problems with the federal-aid highway program. The Department of Education has a program called e-GRANTS that locates electronic grants online. They have a detailed list of grants available and the necessary applications to fill out. There are a variety of grants available for different groups, all of which have detailed descriptions and contact information. Other organizations that provide small business grants include the EPA, the National Cancer Institute, NOAA, the National Endowment for the Humanities, and the U.S. Department of Health and Human Services.

Many of us consider ourselves to be somewhat efficient with search engine optimization.  We tend to come on the Internet with the opinion that we need to be the jack of all trades as far as our Internet businesses concerned.  For most of us, this is done out of necessity because we are not able to afford somebody to do the job for us at first.  For others, it is the thrill of the challenge and watching our websites move up through the rankings in the search engines gives us a real boost.  If you like to take care of these things yourself, here is an SEO checklist so that you don’t miss any part of the process.

Choose Your Keywords – This is the first step in the SEO checklist and one that should never be skipped.  In order for us to get targeted traffic to our website, we need to target keywords and keyword phrases that are actually being searched for on the search engines.  There are plenty of tools that will help us to do this and they really take the guesswork out of the process.

Check the Competition – At its most basic level, we would need to make sure that it was not too much competition for this keyword phrase in Google.  The easiest way for us to do this is by searching on Google for the keyword phrase inside of quotes.  There are some programs out there that automate this process and can do so for hundreds of different keyword phrases.  Just knowing that there is a little bit of competition is enough for some people but others want to know how well the top listings are positioned.  This will give you an idea as to whether you will be able to overtake them or not.

Build the Page – Make your page according to the keyword phrase that you are using and include it in the title, toward the top of the page and naturally throughout the page.  Don’t worry too much about the keyword percentage, just make sure that you are using it wherever it fits into the content.

Get Some Links – You should not only be trying to get links to your main page, you should be trying to get links to every webpage on your site that you possibly can.  Having links coming in to internal pages can greatly boost their rankings in the search engine and send you an unbelievable amount of traffic.

Don’t Stop – If you build a webpage and get a few links coming into it, you may get a handful of visitors to it every day.  Don’t ever stop building new webpages because that is what is going to make you successful in the long run.  Once you find something that is working as far as search engine optimization is concerned, make sure that you duplicate it with as many pages as possible.  Only then will you understand exactly how powerful going through a SEO checklist can be.

Are you the type of person that is operating a home business on a shoestring? This shoestring could be anything from a lack of capital, to a lack of time to effectively build your home business.

Here are four home business management tips that are guaranteed to make your life easier.

1. First of all if you are not running your home business on the Internet you are making a big mistake. The Internet offers many advantages to any home business owner regardless of the type of products you sell.

The Internet makes it possible for you to be online selling 24 hours a day, whether you are sitting at your desk or not. This makes it much easier for you to manage your business as well as for you to be more profitable all the time.

2. Another advantage of the Internet is that you can automate much of your business. One way to do that is to utilize an autoresponder for future follow up.

Every home business needs leads and people that they can contact whenever they want. An autoresponder is an automatic way to send email and a great way to create leads and contact people in the future.

What you are doing is building an email marketing list that you can contact at any time. Plus, you are also managing your business by building relationships with people that someday can be future business partners with you.

3. One thing you can do is create a frequently asked questions page for questions that someone has about your home business. Email can be a big waste of time, especially if you find yourself replying to the same questions over and over.

When you create an FAQ page people will click on that and get the answers directly which frees up your time to do other things for your home business. I am sure you can find better things to do than typing replies to people’s email.

4. Set up a blog and use it to keep your customers and prospects up to date. Many people are used to subscribing to RSS feeds which is an automatic way for you to deliver updates about your business.

A blog is a great way to get content online without having to build web pages. If you are not a technically inclined person you will save all kinds of time not having to struggle building web pages.

This is four home business management tips are guaranteed to make your life easier.

Business insurance – what is it?

Business insurance is insurance that is intended to protect a business rather than the needs of an individual. There are many different types of business insurance available today but which one is right for you and your business? And what does it all mean? Here are some explanations to some of the legal terms used:

Negligence – means failing in your ‘duty of care’ to your client, this can include giving incorrect advice or making a mistake.

Intellectual property – infringing copyrights, trademarks or broadcasting rights this includes passing your product off as someone else’s or imitation.

Professional indemnity business insurance – this insurance protects you for sums you have to pay as compensation to your clients because of problems with your work.

What can you insure your business premises against?

Your buildings and / or contents can be insured against:

• Fire
• Earthquake
• Aircraft
• Riot and malicious damage
• Storm
• Flood
• Escape of water
• Impact
• Subsidence
• Theft involving forcible and violent entry or exit
• Other damage of an accidental nature

Business Interruption Insurance – what is it?

Business Interruption Insurance covers Loss of Trading Profit due to interruption caused by an insured event for a selected indemnity period, usually minimum 12 months.

What information do I need to obtain quote for business insurance?

You will be required to give some or all of the following information in order to obtain a quotation:

• your profession or industry
• the level of cover you’d like
• your annual turnover, annual gross income, annual fee income – if the business is just starting up your estimated first year’s revenue
• your business name, a contact name and a valid email address  
• your business trading address
• answer a few questions about your business activities and previous claims history
• the date you want cover to begin
• your bank details

As the economy continues to tank so do the number of Americans without health insurance-and the number small business owners who can afford to insure their employees.

A recent survey by the NFIB Research Foundation, a small business advocacy group, showed that only 47 percent of small business owners offer employee health benefits. Those employing 20 or more people are more than twice as likely to offer employee health benefits as those with fewer than 10.

The survey found that the low numbers are primarily the result of new small businesses opting not to cover employees. Most small businesses who offer benefits have offered them for a while and are reluctant to drop them for fear of losing good employees.

”It’s much better for employee morale if a small-business owner never offers health benefits, than it is to offer them and then be forced to take it away because it is too expensive to continue,” said William J. Dennis, NFIB’s senior research fellow. “Small-business owners experience considerable turmoil in their early years. They often experience cash flow problems and are reluctant to incur additional expenses such as health insurance. What’s new to this picture is that it appears that new small-business owners are waiting longer or choosing not to offer health insurance benefits to their employees at all.”

The fact that new small businesses are choosing not to offer benefits is a disturbing trend because of the swift turnover of the small business population. If the trend continues, the number of employers who never offer benefits will increase. And that will hurt small businesses because it will limit thet talent pool from which they draw.

What Can Be Done?

Small businesses aren’t alone in struggling with the cost of health care (and premiums) in the current economic climate. The U.S. Census Bureau reports 47 million people, or 15.8 percent of the U.S. population, were without health insurance during 2006

Unfortunately for the small business owner, new legislative approaches to help the uninsured may actually hurt them. One popular option is the “pay-or-play” mandate, in which employers are required to either provide health insurance for their employees or pay a penalty to offset costs the government incurs to provide health care for the uninsured. The rules likely would only apply to full-time employees.

Proponents say such mandates could significantly reduce the ranks of the uninsured, since the vast majority of the uninsured are in families with at least one full-time worker. Many of these are low-income families, suggesting that such measures could benefit the working poor.

Opponents argue that many low-wage workers will just be paid less, reduced to part-time or laid off to offset the insurance costs.

In their paper, “Employer Health Insurance Mandates and the Risk of Unemployment,” researchers Katherine Baicker and Helen Levy found several factors affect the extent to which such mandates cost more jobs:

? Cost of the insurance.
? How much of the cost of coverage will be passed on to workers via lower wages.
? How many uninsured workers have earnings so close to the minimum wage that their wages cannot be reduced enough to offset the cost of the new coverage.

The authors found that the mandate would still leave 54 percent of American workers without coverage.

”The vast majority of those who benefit from pay or play mandate live in families with incomes twice the poverty line or more and, depending on how coverage is determined, the mandate will leave a significant share of the working poor ineligible for such benefits either because their hourly wage rate is too high or they work for smaller exempt firms,” the authors wrote.

Most experts agree that such mandates are bad for small businesses. Employers are faced with hard choices. In the NFIB poll, only 20 percent of small employers said they would simply provide the insurance as required. Many more said they would either cut jobs or move more employees to part-time status.

Moving people to part-time work is a particularly attractive option to small business owners. In fact, how part-time employees are treated is a key influencing factor on whether small businesses support pay or play legislation.

According to NFIB, “The treatment of these employees will alter relative costs in one direction or the other, providing small employers’ strong relative incentive to change.”

Small business experts agree that if part-time employees are covered by a mandate, most employers will respond by simply eliminating jobs, adding to the jobless rate and doing nothing for the rate of uninsured.

Small business owners have always faced an uncertain future but the current economy and the health care crisis make this an extremely tough time to take the startup step.