FINANCE

Retire? Me? Smart Strategies For Business Owners

As a small business owner, you are completely responsible for your own retirement planning. Unless your small business is just a side job, you don’t have an employer to set up a retirement plan or choose a set of possible investments for you, and you’re definitely not getting a pension. Further, if you have employees, you may feel responsible for helping them plan for a successful retirement. This article will discuss the considerations and retirement savings plans that you, as a small business owner, should consider when planning for both your own retirement and that of your employees.

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How does online shopping affect local businesses?

Online shopping has been very familiar to many of us nowadays. Due to the convenience, we often shop online for books, clothes, or even tickets for concerts, hotels, and flights, etc. While those online retailers started to take over the industry, we started to question ourselves, what are the advantages and disadvantages of online retailing?Advantages for Customers:ConvenienceMore OptionsBetter PriceC2CDisadvantages for Customers:Shipping: Time Consuming/Potential DamagesMiss-leading PicturesSecuritySocial InteractionOnline shopping is indeed convenient.

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Cigna Health Insurance Company Review | Small and Large Company Health Plans

If you’re an employer, looking for a group health insurance, our Cigna health insurance company review will help you know if this company is right for you. There are many insurance companies that offer group health insurance but very few can compare to the prestigious list of Fortune 500 companies that use Cigna to provide health insurance for their employees. While Cigna also provides individual health insurance and Medicare plans to consumers in more than 15 states across the country, their main focus is providing group benefits to small and large companies in the U.

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Why Banks Are No Longer Lending to Small Businesses

Remember the days when you’d need funding to start or grow your business, and you’d get in your car and head down to the bank on the corner? You knew your banker personally, perhaps even had kids in the same class at school, or would often see them at your favorite local restaurant. This personal relationship helped fuel a strong financial relationship; you knew exactly where to go to get the loan you needed. But, the days of driving to your local bank for a business loan are long gone. Not only are community banks getting eaten up by the big banks, but bank lending to small businesses is at an abysmal rate.

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Role of a Business Administrator

by Caroline Banton The business administrator understands business operations and processes. A day-to-day role may involve accounting, finance, marketing, economics, statistics, human resources and decision-making. In a small organization, the business administrator might manage administrative support services; large organizations may have several layers of administrative managers who specialize in different areas from human resources to facilities management. The business administrator's specific role depends on the company and the job description, but in general, the administrator is charged with facilitating efficient operations.

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The Different Ways Business Owners Can Pay Themselves

Updated March, 2017. As an owner, you have a lot of responsibilities. That’s why it’s so important to pay yourself appropriately for all the work you do. But did you know there are different tax implications on the different ways you can pay yourself? Let’s take a closer look at salaries, dividends, loans, and owner’s draw to see what your options are when it comes time to run payroll for yourself. And keep in mind that this can get a little convoluted. The best way to make sure you’re getting it right is to run it past your accountant. Your business entity matters As a business owner, you can structure your business as a sole proprietorship, a partnership, cooperative, an LLC, a S-Corporation, or C-Corporation.

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Turnover tax and the small business

Provided by Business Partners Ltd, South Africa's leading investor in SMEs Turnover tax is a simplified tax system aimed at micro businesses (with a qualifying turnover of R1 million or less), making it easier for micro businesses to comply with their tax obligations. It replaces Income Tax, VAT, Provisional Tax, Capital Gains Tax and Dividends Tax. A micro business that is registered for turnover tax can, however, choose to remain in the VAT system. Turnover tax is available to qualifying individuals (sole proprietors), partnerships, close corporations, companies and co-operatives.

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6 Policies Your Small Business Should Put in Writing Today

As a small business owner, you face a variety of risks, especially as you begin to work with more clients and hire employees. Your business deals with a certain amount of liability each day and you can reduce some of that liability by having your policies clearly outlined in writing. With so much to do, maintaining an extensive policies and procedures manual can be tricky. Luckily there are many templates available to get you started, especially if your policies are internal. You can refine these templates for your specific needs and update them as your business grows.

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The Top 12 Free and Open Source HR Software Systems

UPDATE 2/12/2016:This article has been updated to reflect six new free or open source HR systems that have been brought to light since the original post was published.  Additionally, existing free HR tools in the list have been updated with new information, and two were removed because they are no longer free.  There are now 16 total HR software solutions in the list instead of the original 12. I always felt a bit bad taking one of the free samples at the supermarket. Yes, I know that’s what they’re there for. And I know the reps passing out cups of chips, or cheese, or (at Whole Foods, at least) nice red wine are only doing it to entice me to buy something.

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Book Lists

Is your small business a disruptor? Or, has your industry being disrupted? These titles guide small businesses and their owners through business disruption. Apr 23, 2017 Shares Launching a startup? These titles provide some expert guidance to get your business off the ground. Mar 18, 2017 Shares Creativity isn't just a "wonderful to have" asset anymore, it's a strategic part of business survival. Here are 10 great books on creativity for 2017. Dec 24, 2016 Shares Start the new year out on the right foot by discovering concepts, techniques and tools from the authors of the best management books for 2017.

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