Owner/managers of small-to-medium enterprises (SMEs) are an under-researched population in terms of psychological distress and the associated health and economic consequences. Using baseline data from the evaluation of the Business in Mind program, a mental health promotion intervention amongst SME owner/managers, this study investigated: (i) prevalence of high/very high psychological distress, past-month sickness absenteeism and presenteeism days in SME owner/managers; (ii) associated, self-reported lost productivity; and (iii) associations between work, non-work and business-specific factors and work attendance behaviours. In our sample of 217 SME owner/managers 36.8% reported high/very high psychological distress. Of this group 38.7% reported past-month absenteeism, 82.5% reported past-month presenteeism, and those reporting presenteeism were 50% less productive as than usual. Negative binomial regression was used to demonstrate the independent effects of socio-demographic, work-related wellbeing
For immediate release: 11 April 2013. The Council of Small Business of Australia, medical see COSBOA, check welcomed the focus on small business yesterday in Western Sydney, malady which highlighted the evident fact that small business is too big to ignore.. Talking about the campaign #2big2ignore Peter Strong, Executive Director for COSBOA commented, The reality is that small business has been ignored for two decades and the more campaigns that focus on us, as people, the better it is for our economy and communities. We fully support this and any campaign to emphasise people in small businesses.. This is recognition indeed of the need for leaders of industry bodies, senior politicians and bureaucrats to attend the NAB National Small Business Summit. In the lead up to the election, this is one of the final opportunities for all parties to highlight their policies for small businesses, make changes and influence the votes of 2.5 million small business owners in Australia, stated Mr ...
The purpose of this study was to investigate the effects of participation in physical fitness programs on the self-perceived level of job performance of Oregon public university employees. A volunteer sample of 344 fulltime public university employees responded to the specifically designed questionnaire. Job performance was measured by job satisfaction, work productivity, general health attitude, and university commitment as positive indicators, and absences due to illness as a negative indicator. Data were analyzed using descriptive statistics, analysis of variance, and the Scheffe test. Public university employees tended to exercise by themselves rather than participate in the university physical fitness program and were generally involved in greater frequency of exercise; however, a considerable number were not involved in regular exercise. Male public university employees participated in more active physical fitness programs while the female employees participated in less active programs. ...
Understanding The SHOP Marketplace Small business owners across the country have been experiencing change as they are now legally required to comply with new regulations and requirements under the Affordable Care Act. Since the world of health insurance and health care has transformed completely, choosing the right small business health insurance plans to best protect your team is more challenging.. If you missed the open enrollment deadline on February 15th and are beginning to panic since you have not properly set up your small business plans, do not fret! We can still write you a policy for your small business.. A unique entity known as the Small Business Health Options Program (SHOP) Marketplace allows small business owners to obtain the coverage they are required to offer their team, despite missed deadlines. When utilizing plans offered in SHOP, you have the luxury of avoiding restricted enrollment periods and offer deadlines.. There are many benefits of utilizing the SHOP Marketplace in ...
The backbone of America is found in her wealth of small business owners. With all the current red tape, America is still one of the easiest countries in the world in which to begin a new business. All that is needed to start a business in the United States is a workable concept, some financial backing, and a well designed website, preferably one that incorporates this medium. Video website content is a small businesss best friend. The many statistics that support the use of small business videos are not just encouraging - they are massively and overwhelmingly convincing. They demonstrate that there is no other single type of advertising that even comes close to being as beneficial for ones business as film content on a business website.. A small business is defined as a business with less than 500 employees, but most small businesses are actually far smaller. In fact, according to the U.S. Small Business Administration Office of Advocacy,. 70% of all small businesses are owned and operated by ...
Now, when we talk about small business loans, we mean just that - small business loans. We are not talking about a $1 million loan to purchase some commercial real estate or $500,000 to buy some investment property. We are not talking about a $3 million credit line just to show capital on a balance sheet. And, we are not talking about a $250,000 equipment loan for a regional construction company.. We are talking about true small business credit - loans under $150,000. Capital amounts that the 22 million small businesses in this country could use at some point in time for working capital, to renovate their location, purchase inventory, marketing, meeting payroll, developing new products or to simply have the capital on hand to acquire and satisfy customers (what business is really about).. But, we have heard ad nauseam that banks are just not lending to small businesses - claiming there is too much risk in smaller firms. So, many small companies are not even applying for credit anymore out of ...
The Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs in the Division of Industrial Innovation and Partnerships (IIP), in collaboration with the Division of Undergraduate Education (DUE) invite all active SBIR/STTR Phase II grantees to participate in a supplemental funding opportunity. The supplements for research teams are intended to foster partnerships between Community Colleges (CCs), which educate large numbers of underrepresented students, and the small business community. NSF is seeking to increase the participation of underrepresented groups in both academic and small business research by encouraging careers in science and engineering. Through this supplemental program, small businesses will gain access to faculty and students capable of contributing to the scientific research conducted by the small business, while faculty and students will gain experience by working on research projects that lead to commercial products and processes. It is ...
The Small Business Innovation Research (SBIR) and Small Business Technology Transfer (STTR) programs in the Division of Industrial Innovation and Partnerships (IIP), in collaboration with the Division of Undergraduate Education (DUE) invite all active SBIR/STTR Phase II grantees to participate in a supplemental funding opportunity. The supplements for research teams are intended to foster partnerships between Community Colleges (CCs), which educate large numbers of underrepresented students, and the small business community. NSF is seeking to increase the participation of underrepresented groups in both academic and small business research by encouraging careers in science and engineering. Through this supplemental program, small businesses will gain access to faculty and students capable of contributing to the scientific research conducted by the small business, while faculty and students will gain experience by working on research projects that lead to commercial products and processes. It is ...
SEC. 201. SHORT TITLE.. This title may be cited as the "Small Business Regulatory Enforcement Fairness Act of 1996".. SEC. 202. FINDINGS.. Congress finds that--. (1) a vibrant and growing small business sector is critical to creating jobs in a dynamic economy;. (2) small businesses bear a disproportionate share of regulatory costs and burdens;. (3) fundamental changes that are needed in the regulatory and enforcement culture of Federal agencies to make agencies more responsive to small business can be made without compromising the statutory missions of the agencies;. (4) three of the top recommendations of the 1995 White House Conference on Small Business involve reforms to the way government regulations are developed and enforced, and reductions in government paperwork requirements;. (5) the requirements of chapter 6 of title 5, United States Code, have too often been ignored by government agencies, resulting in greater regulatory burdens on small entities than necessitated by statute; ...
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Heres how small business health insurance works, why you should offer it and what types of health insurance are available for small businesses.
As a small business owner, you will want to focus on banking features that are available, useful and help you realize success with your company. Each financial institution offers unique small business banking programs and packages. There are free business checking accounts, business savings accounts, loans and credit card services as well as online features from credit unions and banks to consider while conducting business. You will want to become familiar with their products so you can choose which will work for you and your business.. When looking at the selection of credit unions and banks, you will see many types of small business banking services that can meet your needs. Some credit unions and banks offer free business checking accounts, while others require a minimum balance. You may need after hour depositing and many small business banking programs include this. Most banks and credit unions offer a debit card or check card with the opening of a free business checking account. This can ...
http://downloads.webs.com/webs-digital-trends-survey-infographic.jpg Survey Methodology: Webs Small Business Digital Usage Survey is based on a nationally representative sample of 2,292 small business owners of companies with fewer than 10 employees. The anonymous survey was conducted online by Insight By Design between March 10-March 15, 2014 as part of Vistaprints 2014 Digital Usage Study. The poll has a margin of error of approximately +/- 2-7 percent depending on the question. About Webs Webs provides an easy-to-use, reliable and cost-effective marketing platform specifically designed for the small business. The Webs platform today powers the online marketing of millions of small businesses around the globe with its complete suite of products: Webs, Pagemodo™, and ContactMe™. Webs customers tap the power of individual marketing products that enable small businesses to launch online, get noticed, engage customers and grow. With website building, support for ecommerce, social marketing ...
SBAs Office of Investment and Innovation (OII) leads programs that provide the high-growth small business community with access to two things: financial capital and R&D funds to develop commercially viable innovations. Our work is underpinned by public-private partnerships that help small businesses on their trajectory from idea to initial public offering (IPO), namely: Small Business Investment Companies (SBICs), Small Business Innovation Research (SBIR), Small Business Technology Transfer (STTR) and the Growth Accelerator Fund Competition. ...
This is OPMs annual call for applications and recertification submissions from prospective and current Multi-State Plan (MSP) issuers for the contract term beginning January 1, 2015. The MSP Program was created to bring choice and competition to the Health Insurance Marketplace. The Programs charge is to make available at least two quality, affordable MSP options in the Marketplace in every State and the District of Columbia. In the inaugural year, OPM certified more than 150 MSP options that are now available to consumers in 30 States and the District of Columbia. OPM also certified MSP options for the Small Business Health Options Program (SHOP) in four States and the District of Columbia. For 2015, OPMs goal is to expand MSP coverage to at least five additional States, and to add one or more new MSP issuers or groups of issuers. ...
Even Forbes columnist Avik Roy is recanting. Earlier this month he acknowledged that under Obamacare, many Americans who buy their own coverage in 2014 will find that insurance is significantly more affordable than it was in the past: "Three states will see meaningful declines in rates: Colorado (34 percent), Ohio (30 percent), and New York (27 percent).". Colorado, Ohio and New York are not unique. As states announce the prices that carriers will be charging in the online marketplaces (or "Exchanges") where Americans who dont have health benefits rate at work will be purchasing their own coverage, jaws are dropping. Rates are coming down, not only for those individuals, but for some small business owners who will be buying insurance for their employees in separate SHOP (Small Business Health Options Program) Exchanges.. What may be most surprising is that premiums will be lower, not only in liberal Blue states but in some Red states that are opposed to Obamacare.. What is making health ...
This week, the Trump administration announced plans to dismantle the Small Business Health Options Program, or SHOP, the part of the Affordable Care Act that created online insurance marketplaces for small businesses.. According to the Los Angeles Times, "moving to end the ACAs small-business enrollment system by 2018 represents the first public step by the Health and Human Services Department to implement an executive order President Trump signed his first night in office, directing agencies to ease regulatory burdens of the healthcare law.". As of early 2017, nearly 230,000 people were covered through SHOP health plans - a fraction of the 4 million the Congressional Budget Office estimated would enroll for coverage through SHOP in 2015.. The specifics of the impending SHOP change are a work in progress, and federal health officials told the L.A. Times Monday that "they plan to propose a new federal rule to take effect in January.". The announcement comes on the heels of the House of ...
To achieve this, the credit card companies will have to convince the small business owners to use business credit cards in less traditional ways. Traditionally, business credit cards have largely been used to cover travel and entertainment expenses. What card companies want is for businesses to use their business credit cards for everyday spend.. This is the reason behind the new cash back rewards business credit cards. These cards offer 5% discounts on purchases of office supplies, gasoline, courier services and other essential business needs. MasterCard even went as far as launching a business credit card targeted at a specific industry: contractors and construction companies. MasterCard was also the first card company to provide zero-liability protection to small business credit card holders.. Discovers recently launched business credit cards offer small business the chance to purchase checkbooks. This enables small business owners to pay for purchases from vendors that dont accept business ...
The Centers for Medicare and Medicaid Services (CMS) has issued two Q&As on enrollment in the Small Business Health Options Program (SHOP) Marketplace. The CMS states that employers will not need to meet the minimum participation requirement upon renewal for renewals in federally-facilitated SHOPs (FF-SHOPs) that occur from November 15 to December 15. This is because the CMS believes that it would be unduly burdensome to "non-renew" coverage under the exception to guaranteed renewability for failure to meet minimum participation rates only to re-enroll employers under guaranteed availability during that period. Under guaranteed availability requirements, employers must be allowed to purchase coverage from November 15 to December 15, even if they cannot meet minimum participation requirements, the CMS explained. For FF-SHOPs, minimum participation is generally set at 70 percent…. (Read Intelliconnect) ». ...
Kynect will also work on improving its Small Business Health Options Program (SHOP), which allows employers with fewer than 50 workers to enroll them for health coverage through Kynect; increasing outreach and education for those age 18-29, known as the "young invincibles;" and making sure people understand that the eligibility for Medicaid has expanded, and that many who qualify havent applied for it, Banahan said ...
In this workshop, we will talk about current trends in small business web design and marketing including how any small business can harness free tools to increase leads and drive web traffic to their company website. Sharp Tack Media is a Portland, Oregon based web design and SEO company that specializes in helping small and medium businesses claim their digital footprint online and maximize their profits. We will aim to answer many common questions that small business owners face including How should I structure my website? What are the best social media networks for small businesses? What is SEO and how do I use it? How do I hire a web design company for my business? What is the best website migration service? And many other top questions we receive from business owners every week. This training is definitely going to be packed full of useful practical information and you dont want to miss it. For more information contact Sharp Tack Media at 503-451-6675 Submitted by Deb Wise Sharp Tack Media
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The review compared data from the 2005 and 2006 COSBO surveys with data from the 2006 Census of Population and Housing and a range of Labour Force Supplementary Surveys. It concluded that, while some data items collected continue to provide an ongoing and accurate picture of the changing nature of the Australian small business and small business operator populations, a more consistent picture was provided by the alternate data sources. Specifically, it was determined that proportions of small business operators derived from the 2005 and 2006 COSBO surveys closely aligned with proportions from the alternate data sources in respect of: sex of operators; age of operators; (usual) hours worked by operators; birthplace; and number of business operations conducted. These proportions have been reproduced in this Article ...
by C. Daniel Baker. Small-business utilization of technology platforms such as cloud computing, smart phones, tablets and high-speed internet increased over the past three years. This shift has driven an increase in small-business owners who report they allow employees to telecommute-up from 44 percent three years ago to 60 percent today.. Today, the National Small Business Association (NSBA) today released its 2013 Small Business Technology Survey which provides detailed insight on how small business is faring in todays ever-changing technology landscape. Among the findings: 94 percent of small-business owners say they are very or somewhat concerned about cybersecurity while nearly half of small businesses report having been the victim of a cyber-attack.. "Small-business owners are handling more of their firms IT operations," stated NSBA President and CEO Todd McCracken. "This growing IT reliance makes issues such as cybersecurity, intellectual property protection and a functional online ...
Data & statistics on Distribution of Small Business Loans by Geography Income Level: Two analyses of lending within and outside of the assessment area. The first chart shows all small business and HMDA loans; the second chart shows all HMDA loans, but only small business originations (excludes purchases). When SBA purchases are included, lending within the assessment area is less than a majority of lending. However, as noted above, Signature purchases, packages and re-sells SBA loans ..., CY2008 Small Business Loan Originations for Suffolk County, MA., Loans and acceptances by geography...
Amortization-calc.com provides free small business loan calculator to estimate your monthly loan payments.. By starting small - perhaps with a townhouse. For help deciding if ownership is a good fit for your current situation, use an online rent vs. buy calculator. Before.. (This calculator. to take a small salary and then set up a pass-through company for profits related to her "brand." The new rules mean that lots of people are going to need advice about how to restructure their finances and their business.. Free small business loan calculator from Balboa Capital. Use it to see how much cash your company can qualify for. Calculate your business loan now!. Looking for a small-business loan? Read about where and how to get business loans to help grow your business.. Calculators. Have a question? Check out these helpful calculators to answer your questions about loans, home equity, savings, small business loans, and more. IGLoanGry101614F.jpg.. This mortgage calculator from LendingTree is an ...
The Patient Protection and Affordable Care Act (ACA) includes several short- and long-term provisions designed to help small businesses pay for and maintain health insurance for their workers, and to allow workers without employer coverage to gain access to affordable, comprehensive health insurance. Provisions include a small business tax credit to offset premium costs for firms that offer coverage starting this taxable year, establishment of state-based insurance exchanges that promise to lower administrative costs and pool risk more broadly, and creation of new market rules and an essential benefit standard to protect small firms and their workers. Analysis shows that up to 16.6 million workers are in firms that would be eligible for the tax credit in 2010 to 2013. Over the next 10 years, small businesses and organizations could receive an estimated $40 billion in federal support through the premium credit program.. ...
This is part of a series of personal accounts about small business and the recession. The writers are contributors to Associated Content.. by Michelle L Devon. If there is a recession going on, I hadnt noticed. At Christmas, I was the only member of my family to purchase gifts for everyone. My mother said, "Its been a hard year for everyone.". "Not for me," I answered. Business is going great for me.. Thats one of the good things about owning a small business that provides contract services. When a recession hits and layoffs happen, companies merge employee duties so one person takes on the role of two, without additional compensation.. Unfortunately, companies become overextended. With layoffs, there arent enough people to do the jobs required. Thats where my business lends a hand.. I opened Accentuate Services, my small business in Odessa, Texas, more than 14 years ago to offer accounting, bookkeeping, transcription and administrative services to other companies. Companies outsource ...
It doesnt matter if you are a fresh college graduate, recently retired worker or an average middle-aged person just wanting to try something new, there is always an opportunity to start your own small business. That is the beauty of a small business; it can be started anytime you want. That is not to say that starting and maintaining a small business or startup is a piece of cake. On the contrary, you have to be prepared to do a lot of work in order to be successful. Many people invest a lot both economically and intellectually at an initial stage and often dont plan for the long term. The key is to have a solid plan of action to avoid failure. Lets face it, there is a chance that your business may not work out the way you want, but if you follow some basic advice, it will increase the chances of success by a huge margin. How to get started Obviously, the first thing you need is to find out the kind of business you want to start. Here, it is important to keep a few things in mind. The most ...
Note: This post was created by Center for Rural Affairs intern and health care advocate Angel Romero Kiester. On November 3rd, 2009, 134 small business owners from 24 states went to D.C. to advocate for health care reform. Among them were nine small business owners from Nebraska and North Dakota. The small business owners held a press conference at the Capitol with Senator Harkin (IA) Senator Landrieu (LA) and Representative Halovorson (IL).
Not-for-Profit Organization of the Year*. *Not eligible for overall award. The winner of each for-profit category will go on to compete for the title of 2019 Small Business of the Year. Finalists and winners are selected by a committee of the regions business and community leaders and industry experts.. In addition, we will recognize the Small Business Veteran of the Year. This is a person who has made a significant contribution to the local economy through ownership of a small business and has made a difference in the community by promoting a sense of duty and volunteerism. ...
Congratulations! You have gotten your small business up and running. Now what? This part of our four-part series on leveraging the Small Business Administration to help you launch and manage a small business will focus on the operational aspects of running a business. Whether you need leadership strategies, day-to-day decision making skills ...
All too often, as small business owners, we rush to get a product out before its time, before its been fully considered or tested. Rowling sets a great example of getting a product just right before presenting it to the world.. Tip # 2: When a Great Idea Grabs You - Grab Back.. You sort of start thinking anythings possible if youve got enough nerve. - Rowling. Great ideas are unmistakably powerful in their announcement and come when least expected. Rowling says:. Where the idea for Harry Potter actually came from, I really couldnt tell you. I was traveling on a train between Manchester and London and it just popped into my head. I spent four hours thinking about what Hogwarts would be like. By the time I got off at Kings Cross, many of the characters in the books had already been invented.. As small business owners, we know when a great idea is upon us. The problem is, we often question it, second-guess it, and rationalize it away. Not Rowling. She recognized the mark of a powerful idea, ...
Fortunately, several measures that would offer small businesses relief from spiraling health costs are pending before Congress.. For many small firms, insurance is more expensive than ever. In a recent survey, 91 percent reported that their insurance costs rose following their latest renewal. A February report from the Centers for Medicare and Medicaid Services estimated that premiums would rise for two-thirds of workers at small businesses - roughly 11 million Americans.. One reason for these price increases is the federal healthcare laws annual $8-billion fee on health insurance providers. Carriers will have to pass this added expense on to employers - and consequently, their workers. Premiums are expected to increase by as much as $160 per person this year.. New federal "community rating" rules may also lead to higher premiums and create administrative headaches for small business owners. These rules do not allow insurers to charge older workers any more than three times what younger ones ...
UKS TOP SMALL BIZ 100 UNVEILED BY SMALL BUSINESS SATURDAY. A Soft Tissue and ScarWork clinic from Crowborough, East Sussex has been selected as one of 100 trail-blazing small businesses in the official count-down to Small Business Saturday, which takes place across the UK on 7 December 2019.. Recover Repeat Soft Tissue & ScarWork is one of this years Small Biz 100, a selection of small businesses drawn from every corner of the UK that reflect the vibrancy of the UKs 5.6 million small businesses. In the 100 days running up to Small Business Saturday, the campaign will spotlight each of the Small Biz 100, as part of its mission to celebrate small business success and encourage the nation to shop local and support British small businesses.. This years Small Biz 100 features a range of unique independent businesses each contributing to their communities and offering something different, including Recover Repeat Soft Tissue & ScarWork, founded in 2015 by Kerry White. Kerry is a Level 5 ...
Article printed from Small Business Trends: https://smallbiztrends.com URL to article: https://smallbiztrends.com/2019/08/in-the-news-recession-warnings-dont-worry-small-business-owners.html URLs in this post:. [1] found: https://smallbiztrends.com/2019/08/july-2019-money-anxiety-index.html. [2] another: https://smallbiztrends.com/2019/08/preparing-for-a-recession.html. [3] riskier: https://smallbiztrends.com/2019/08/brick-and-mortar-marketing.html. [4] strategy: https://smallbiztrends.com/2019/08/employer-brand-strategy.html. [5] prefer: https://smallbiztrends.com/2019/08/consumer-buying-habits-2019.html. [6] access: https://smallbiztrends.com/2019/08/generation-z-prefers-personal-interactions.html. [7] applying: https://smallbiztrends.com/2019/08/social-media-and-job-hunting.html. [8] hesitant: https://smallbiztrends.com/2019/08/salesforce-essentials-customer-story.html. [9] frequently: https://smallbiztrends.com/2019/08/emotional-exhaustion-small-business.html. [10] budding: ...
Catalog Record: The impact on small business of legislation requiring notification to workers who are at risk of occupational disease : hearing before the Committee on Small Business, United States Senate, One hundredth Congress, first session, on the impact on small business of legislation requiring notification to workers who are at risk of occupational disease, June 10, 1987 , Hathi Trust Digital ...
A new report by Families USA and Small Business Majority titled A Helping Hand for Small Businesses: Health Insurance Tax Credits shows that nearly 80 percent of Maryland small businesses
The problem of protecting workers in small businesses was discussed. The nature of the occupational safety and health problem in small businesses was summarized. Small businesses may present a major occupational health challenge because they are very heterogeneous with respect to potential workplace hazards, they may have limited resources to protect their employees and contend with health care co
Governor Andrew M. Cuomo today announced that at his request, the U.S. Small Business Administration Economic Injury Disaster Loan program is now offering assistance to eligible small businesses and other entities affected by this summers drought in the Western New York, Finger Lakes, Central New York and Southern Tier regions. Loan amounts of up to $2 million are being offered to small businesses, small agricultural cooperatives and private non-profit organizations that suffered financial losses as a direct result of the drought. The Governor has also directed New York State Department of Agriculture and Markets to work closely with Cornell University expert hydrologists and climate professors to help understand and study the outlook for recovery ...
Often what stands between you and successful integrated marketing-the cross-channel marketing of a consistent brand message-is a brilliant idea. As marketers, we may be more challenged seeking creative inspiration than we are by deploying the actual campaign. Events, such as Small Business Saturday[1], are apt fodder for an integrated campaign that will speak to and engage your customers on many levels: philanthropic-type support of small business, special offers at a time when shopping is especially top of mind, social sharing, community building, and much more.. Our approach to an integrated campaign is to draft the content and then brainstorm to choose in what channels we can publish the content to "give the project some legs." In the case of Small Business Saturday (SBS), AMEX has provided a fair amount of content for participants; while it may not be ideal for the channels you choose, its certainly a great start, as that first step is often the biggest-and hardest.. As an example, we ...
Greetings Benchmark readers! Team Benchmark has landed in Boston. Were here for the Small Business Expo. So far we got a brief tour from our cab driver on the way into the city, had a beer and watched the Red Sox at Americas oldest sports bar and havent seen Matt Damon or Ben Affleck once. They may be elusive, but we wont be. Come see us at our booth at the Small Business Expo. Need more convincing? Heres the Benchmark 5: Reasons to Come See Us at the Boston Small Business Expo.. ...
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Damien Sanchez of DC Mosquito Squad joins Anita Campbell, CEO of Small Business Trends for an interview detailing automating a small business.
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The Business Backer, a leading provider of small business financing solutions, has continued its quest to provide a superior customer experience by publishing an innovative credit scoring algorithm. The...
A new report finds that small businesses in the US are offering health benefits that are competitive with those offered by larger employers, but that workers at the smallest companies tend to pay higher premium costs.
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