Tag: Budget

Small Business Financial Tools: Free Startup Budget Template and Guide #business #images


#small business startup

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Essential Small Business Financial Tools: Free Startup Budget Template and Guide

Creating a startup budget is one of the most important tasks a new business owner will undertake. A startup budget serves as a roadmap for the business. It can help you understand where the business is going and whether you’re on the right path. The cost of starting a company varies widely, so it is critical to create an accurate and realistic startup budget specifically tailored to your business.

There are many reasons to create a startup budget. The main reasons are to figure out how much money you have, how much you will spend, and how much revenue you will need to meet your business goals. A startup budget is usually a key component of your business plan and is useful when applying for a loan or pitching to investors. It explains how your business will spend its resources to reach its goals.

Business owners should always refer to their budget before making important business expenditures. This helps to make sure they can afford to spend the money. Decisions such as purchasing new machinery or whether to expand operations should only be made after checking to make sure it fits into your budget. You can adjust your budget as needed over time, but make sure to stick to those changes.

Determining a business startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. It should only include costs that are necessary to start the business. Use this budget to be on the lookout for areas where you can save money .

Startup costs typically fall within two categories: monthly costs and one-time costs.

Monthly costs cover expenses that are incurred each month on a recurring basis. such as employee salaries, lease payments and utilities. One-time costs are expenses that are incurred only once during the startup period. Examples of one-time costs include the purchase of a building, computer equipment and consultant fees.

This startup budget template can be downloaded and used for any type of business. It should be customized to include the specific cost items that apply to the company.

To fill out this spreadsheet, determine the number of months the startup period will cover. Next, enter the applicable costs into their respective cells. The total amounts will automatically populate based on the embedded formulas. Once completed, you will be able to view an itemized list of your business’ startup costs. An example startup budget is also included to help guide you through the process.

Starting a business can be difficult and overwhelming. By taking the time to create an accurate startup budget now, you can give your business the best chance of succeeding in the future.


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Distribution Center Metrics for 2017, Cisco-Eagle, budget movers tulsa.#Budget #movers #tulsa


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Distribution Center Metrics: What s Your Focus? What are Others Doing?

Budget movers tulsa

I always look forward to the annual DC Velocity/WERC (Warehousing Education and Research Council) distribution center metrics survey, which provides insight into what measurements are most critical according to DC managers. These concerns have shifted over the years, but perhaps never so significantly in a single year as 2017 s survey, with topics like on time shipments falling out of first place for only the second time.

What are the metrics your peers are focused on this year?

Budget movers tulsa

  1. Average warehouse capacity used: This is up from #2 in 2015, and #6 in 2016. What s driving this concern? The boom in eCommerce distribution is probably the biggest factor. Also, an awareness that storage efficiency drives other types of productive behavior, reduces energy costs and increases profits is also becoming more prevalent.

[See: How to Measure and Improve Storage Efficiency]

  • Order picking accuracy (% by order): Another that s moved up the last two years all the way from fifth in 2015. Accuracy drives a lot of other things, like return rates and rework, so it s always critical to become more accurate without sacrificing speed.

    [See: Order Picking Rates: What s Acceptable?]

  • On-time shipments: This metric has dropped in importance from the top slot in 2015 and 2016. While still critical to survey respondents, it is no longer their top concern. Obviously, on-time metrics are directly tied to customer service and will always be important, but this survey helps to clarify that DCs are working at near capacity in an era of expansion. On time shipment is the result of other critical steps such as warehouse capacity and labor issues, which have become more important this year.
  • Peak warehouse capacity used: Another metric on the rise, as companies cope with shortages of distribution space in critical markets like Dallas, Atlanta, the Inland Empire, Florida and other parts of the country.
  • Part-time workforce to total workforce: This wasn t a factor at all the last two years. As labor becomes more expensive and difficult to retain, part-time and temporary workers are used to fill the gaps, and that s become an important data point for the industry. Most companies seem to desire to reduce part-time workers and trend toward dedicated full time employees.
  • Overtime hours to total hours: Another metric that didn t make the top 12 in 2015 or 2016. Since the survey respondents have tilted more towards retail distribution than manufacturing in 2017, this isn t surprising. Labor is the most expensive item in a warehouse budget, with substantial dollars committed to picking, packing, shipping and other time-consuming tasks. The booming fulfillment sector must pay increased attention to the efficiency of labor, and the presence of metrics #9, #5, #6, and #7 underlines that.
  • Contract employees to total workforce: Another that wasn t listed the last two surveys. Companies are attempting to reduce the number of contract and temporary workers to improve quality, and metrics such as returns, accuracy, and product damage.
  • On-time ready to ship: Ranked number 12 in 2016, this has become more important to warehouse operators.
  • Cross-trained percentage: Not listed in 16 or 17. But we ve seen many of our customers invest heavily in creating a more flexible labor force that can serve many parts of an order fulfillment operation. Packers, pickers and others are being cross-trained to serve different roles within the company.
  • Inventory count accuracy by dollars per unit: Not listed in 16 or 17.
  • Percentage of supplier orders received damage-free: This metric has fallen from favor. It was #6 in 2016 and #10 in 2015.

    More resources:

    Budget movers tulsa


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  • Employees Retirement System of Rhode Island #rhode #island #state #general #treasurer, #raimondo, #gina #raimondo,

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    State of Rhode Island: Office of the General Treasurer

    Retirees:

    Active employees:

    Employers:

    Newsletter:

    Access TIAA:

    Suspect Disability Pension Fraud?

    Welcome!

    ERSRI.org is your source for the latest information from Employees Retirement System of Rhode Island, the state s largest public employee retirement system.

    The nearly $8 billion retirement system works with state employees, teachers, the Municipal Employees Retirement System (MERS), MERS police and fire, correctionalofficers, BHDDH nurses, state police, and judges regarding pension issues.

    Here, you ll find the latest tools to help you plan for your retirement. calculate your benefits and eligibility, and understand how laws and regulations may affect you.

    Planning to Retire Soon?

    Are you planning to retire within the next nine months? If so, ERSRI offers group retirement counseling at our Warwick office. A benefit estimate and retirement forms are provided at the group sessions.
    Please schedule your appointment six to nine months before retirement by contacting ERSRI at 401-462-7600.

    The ERSRI Customer Service Center is open Monday – Friday from 8:30 a.m. until 4:00 p.m.

    News and Updates

    Treasurer Magaziner Votes Against Excessive Pay for Corporate Executives

    May 25, 2017: During the ongoing 2017 shareholder season the Rhode Island pension fund will vote no on management-backed compensation plans for executives at publicly traded companies including Wal-Mart, American Express, Charter Communications, and pipeline builder NuStar Energy.

    My job as Treasurer is to deliver strong financial performance for of our state s $8 billion pension fund. Rewarding executives with excessive salaries and bonuses goes against the interest of the fund and the public whom we serve, said Treasurer Magaziner. Executive compensation should be transparent and based on performance.

    The no votes are in response to a fundamental misalignment between executive pay and company performance or because the pay packages are excessive or otherwise inappropriate.

    Rhode Island Pension Fund Earns $79 million in April

    May 24, 2017: The Rhode Island Pension Fund continued its recent strong performance in the month of April earning $79 million from investment gains Rhode Island General Treasurer Seth Magaziner today told members of the State Investment Commission.

    We are implementing our Back-to-Basics investment strategy which is designed to provide more growth and greater stability through more traditional investments, said Treasurer Magaziner. Since we adopted Back-to-Basics we have seen consistent gains and are ahead of schedule in the move away from hedge funds.

    Staying focused on long-term growth and stability will help us restore the health of our pension system and ensure that we never have to go through another painful pension reform like the one in 2011, continued Treasurer Magaziner.

    With just two months remaining in the fiscal year, the fund has returned 9.8 percent in the ten months since July 1, 2016, beating its own benchmark of 9.5 percent and a 60% stock/40% bond portfolio which would have earned 8.8 percent.

    All performance reported is net of fees. Detailed information about the fund s investment strategy, performance and managers can be found online at: investments.treasury.ri.gov

    Treasurer Magaziner Votes Against Wells Fargo Board, Following Massive Fraud

    April 24, 2017. Rhode Island General Treasurer Seth Magaziner has joined shareholders from across the country by voting against all sitting independent directors at Wells Fargo, following the massive fraud perpetrated against their customers. The Rhode Island pension fund currently owns 139,256 shares of Wells Fargo (NYSE: WFC).

    Over the course of many years, the board of directors at Wells Fargo failed to provide adequate oversight of the company, including its illegal sales practices, said Treasurer Magaziner. Millions of Wells Fargo customers were harmed while the board abdicated their oversight authority – all while being compensated with shareholder s money. I cannot in good faith reward their indifference by voting to approve their continued tenure on the Wells Fargo board.

    Providence Journal Op-Ed: Rhode Island Must Address Sick Pension Plans

    On April 2, 2017, The Providence Journal published an Op-Ed by Treasurer Magaziner about how to help cities and towns with locally administered pension systems improve performance and reduce costs through the state s Municipal Employees Retirement System (MERS).

    The piece reads, in part: . By far the biggest financial challenge Rhode Island faces today is the condition of our municipal pension plans. It s hard to believe, given the small size of our state, but Rhode Island has 150 municipal pension plans. These plans provide retirement security for the hard-working municipal employees who devote their careers to serving our local communities. These employees, and the taxpayers they serve, deserve to have pension plans that are healthy and sustainable.

    Treasurer Magaziner Announces Plan to Strengthen Municipal Pension Systems

    March 30, 2017: Continuing his commitment to bring a steady hand to public finances throughout the state, Rhode Island General Treasurer Seth Magaziner today announced the Healthy Local Pensions (HELP) proposal, which will help cities and towns with locally administered pension systems improve performance and reduce costs through the state s Municipal Employees Retirement System (MERS).

    More than 75% of the municipal pension plans in Rhode Island are already in the state-run MERS system. Due to the size of the state pension system, municipal plans in MERS enjoy a healthy funding status, stronger investment performance and lower costs than most smaller locally-managed plans are able to achieve on their own. While the 116 municipal plan in the state system have an average funded status of 83%, the pension plans that remain locally administered carry a combined $2.4 billion unfunded liability. Of the 34 locally administered plans, 19 are below 60% funded and 12 are below 40%.

    Rhode Island Treasury Releases 2016 Annual Report

    March 2017: General Treasurer Seth Magaziner released Rhode Island Treasury s 2016 Annual Report, which contains highlights from the past year, including more than $500 million in investment gains, the Treasurer s new Back to Basics investment strategy, turnaround of the state s CollegeBound program, and a roundup of progress made in programs throughout Treasury.

    Retirees: Does ERSRI Have Your Current Mailing and E-Mail Address?

    Each month, ERSRI sends an e-mail to retirees letting you know that your Pay Statement is available to view, as well as quarterly e-mails letting you know when Compass . ERSRI s newsletter, is available. Additionally, ERSRI will be mailing 1099 tax statements during the first quarter of 2017.

    Simply update any outdated information and click the green Update button and you re done.


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    Small Business Financial Tools: Free Startup Budget Template and Guide #ideas #for #new #business


    #small business startup

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    Essential Small Business Financial Tools: Free Startup Budget Template and Guide

    Creating a startup budget is one of the most important tasks a new business owner will undertake. A startup budget serves as a roadmap for the business. It can help you understand where the business is going and whether you’re on the right path. The cost of starting a company varies widely, so it is critical to create an accurate and realistic startup budget specifically tailored to your business.

    There are many reasons to create a startup budget. The main reasons are to figure out how much money you have, how much you will spend, and how much revenue you will need to meet your business goals. A startup budget is usually a key component of your business plan and is useful when applying for a loan or pitching to investors. It explains how your business will spend its resources to reach its goals.

    Business owners should always refer to their budget before making important business expenditures. This helps to make sure they can afford to spend the money. Decisions such as purchasing new machinery or whether to expand operations should only be made after checking to make sure it fits into your budget. You can adjust your budget as needed over time, but make sure to stick to those changes.

    Determining a business startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. It should only include costs that are necessary to start the business. Use this budget to be on the lookout for areas where you can save money .

    Startup costs typically fall within two categories: monthly costs and one-time costs.

    Monthly costs cover expenses that are incurred each month on a recurring basis. such as employee salaries, lease payments and utilities. One-time costs are expenses that are incurred only once during the startup period. Examples of one-time costs include the purchase of a building, computer equipment and consultant fees.

    This startup budget template can be downloaded and used for any type of business. It should be customized to include the specific cost items that apply to the company.

    To fill out this spreadsheet, determine the number of months the startup period will cover. Next, enter the applicable costs into their respective cells. The total amounts will automatically populate based on the embedded formulas. Once completed, you will be able to view an itemized list of your business’ startup costs. An example startup budget is also included to help guide you through the process.

    Starting a business can be difficult and overwhelming. By taking the time to create an accurate startup budget now, you can give your business the best chance of succeeding in the future.


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    Top 10 Ways to Advertise on a Budget #business #advice


    #business advertising

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    10 Inexpensive Ways to Advertise Your Small Business

    Banner ads and print ads can be expensive. And they are not necessarily the best way to advertise your small or mid-size business. So to find how to get the greatest return on your advertising investment, Small Business Computing surveyed small business owners. Here’s what they had to say.

    10 Inexpensive Ways to Advertise Your Small Business

    Banner ads and print ads can be expensive. And they are not necessarily the best way to advertise your small or mid-size business. So to find how to get the greatest return on your advertising investment, Small Business Computing surveyed small business owners. Here’s what they had to say.

    Invest in Google AdWords

    Google AdWords and PPC [pay-per-click] can give you crazy amounts of traffic if you are tight with your campaign and run niche ad groups,” explained Andrew Riker an SEO specialist at WordStream. “Focused, long-tail keywords that are specific to your industry will cause the highest possible click-through rate and in-turn conversions.”

    Riker adds that you don’t have to spend a lot of money to get a lot of traffic. “A small daily budget—$10-$20/day—can provide you with a large amount of traffic and in turn qualified leads, as long as the ad is relevant,” he said. If you’re new to AdWords or just want to keep up with the latest tips and info, be sure to check out Inside Adwords . Google’s official resource blog on all things AdWords.

    Try Facebook Ads

    “We tried print ads and banner ads, but for our money Facebook Ads provide us with the most focused consumers,” explained Chris Knollmeyer, Web manager for Carolina Rustica. “Being able to target specific demographics lets us pinpoint people we have not reached yet and provides us with a platform to reach out to them. This kind of targeting allows us to minimize extemporaneous clicks from consumers [who are] just browsing or searching for information and gets us the most for our money.”

    “Facebook ads have definitely been the most successful overall,” concurred Megan LaBant Abrahamsen, the owner of Blue Star Bazaar. “I can set a small budget (less than $10 per day) and target specific customers – [by] age, gender, education and interests similar to my product categories.”

    Even if people don’t immediately make a purchase because of the Facebook ad, many of them wind up “liking” her business, she said, which lets Blue Star Bazaar create a database of potential customers.

    Get your Facebook Ads tips direct from the source: Facebook for Business .

    Look into StumbleUpon Ads

    “One of the best ways to advertise and get traffic to your website is by using StumbleUpon Ads ,” noted Chris Wise, the online marketing director at CustomerRave. “They cost as little as $0.05 a click, so for $5 you can get 100 unique visitors to your site. While the bounce rate is more often than not higher when using these ads, it’s a great way to advertise contests, giveaways and big promotions,” he said.

    And if the content you are promoting proves to be popular and receives a lot of “likes,” you will start receiving free traffic from Stumbles, which can go on for months, even after you have stopped advertising.

    Get Published Online

    Another great way to advertise your business is to “submit articles on topics your customers may be interested in to reputable websites, such as Ezinearticles.com . Articlesbase.com . or TheFreeLibrary.com ,” said Matthew Kostanecki, a marketing specialist at Archon Systems.

    “In exchange for the content, they allow you to include a couple of back links to your website. Not only does this provide you with potential traffic and leads to your business, it also helps establish you as an expert in your related field,” said Kostanecki. Can’t come up with a subject to write about? He suggests asking your customers about their biggest pains and problems.

    Donate Products or Volunteer Services to a Worthy Cause

    “I got the equivalent of $1,000 in advertising by building the website for the Rhode Island Rally for Recovery ,” explained Benjamin John Coleman, founder of The Origami Bonsai Company. And his investment of time really paid off—resulting in $5,000 in new business. That’s because when other vendors who participated in the Rally saw what a great job his company did building and maintaining the Rally website, they hired Coleman to help them with their websites.

    Cultivate Bloggers

    Find influential bloggers in your industry and ask them to review your product or service,” suggested Daniel Weaver, the president and owner of Daniel’sPromise. “Many will be happy to do so if you give them free product for them to use.”

    That’s what Juppy, the maker of the Juppy Baby Walker, did. “When we started out, our company we didn’t have a lot of cash on hand to spend on advertising,” explained Mayra Sotelo, the COO for Juppy. “So we decided to seek out mom bloggers who would review The Juppy Baby Walker. This worked out great for us… because there is no better [endorsement of] our baby walker that fits in a purse than by a real mom who loves our product.”

    And if you can’t find a blogger who will review and write about your product for free, there are also bloggers “who will write about your site/product/company in exchange for a fee,” noted Mike Scanlin, CEO of Born To Sell. And even with a fee, that kind of endorsement is typically more effective and less expensive than a banner ad.

    Claim Local Listings on Google Places, Yahoo Local and Bing Local

    “You’d be amazed at how many small businesses forget to sign up for services like Google Places, Yahoo Local, and Bing Local even though it’s free!” explained Mandy Boyle, the SEO manager for Solid Cactus. “Claim your local listing, fill out the information and take advantage of people searching for businesses in your area,” she advised.

    Use Community Sites and Local Directories

    Leavy uses a site called Quentin’s Friends . an invitation-only network where members can post recommendations and offers for their products and services for a very small fee. “The service is location-specific, so my ad is going out to thousands of people who are specifically in my geographic area, New York,” she said. And Leavy’s return on investment has been an impressive 6,500 percent.

    Link Up with LinkedIn Ads

    If you own a B2B company, a good way to reach your target audience is through LinkedIn Ads . “We are a small business and our target market is small business users,” explained Damian Raffele, vice president, marketing, AnyMeeting.

    LinkedIn Ads has worked well for the company, because it allows them to target a specific audience by geography, demographics, job title or LinkedIn Group. “Being able to target users who belong to specific LinkedIn Groups…allows us to design ad copy that is tailored for them, which has resulted in great conversion rates, providing us with a great ROI on our marketing spend.”

    Distribute Flyers

    “If you have a small business that focuses on a particular area, flyers are a great way to advertise,” said Nathan Letourneau, co-founder of CampusBooks4Less. And they needn’t be expensive. Chances are you have someone in your company, or a friend or family member, who can help you design the flyer inexpensively (or for free) – and you can print the flyer in house or find an inexpensive printer.

    As for distribution, “hire some high school or college students and have them put the flyers on parked cars, attach them to house entry doors and distribute them inside area businesses (to employees and on any bulletin boards, if allowed) and apartment complexes,” he advised. “We saw huge increases in traffic after having students distribute flyers on parked cars in our target areas.”

    While not every method will work for every business, each advertising strategy is inexpensive enough that you should be able try a few to find out what works for you. Also, many of the sites mentioned, such as Google AdWords and Facebook, periodically offer advertising credits or discounts, which small business owners should use to their advantage.


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    Small Business Financial Tools: Free Startup Budget Template and Guide #start #your #own #business


    #small business startup

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    Essential Small Business Financial Tools: Free Startup Budget Template and Guide

    Creating a startup budget is one of the most important tasks a new business owner will undertake. A startup budget serves as a roadmap for the business. It can help you understand where the business is going and whether you’re on the right path. The cost of starting a company varies widely, so it is critical to create an accurate and realistic startup budget specifically tailored to your business.

    There are many reasons to create a startup budget. The main reasons are to figure out how much money you have, how much you will spend, and how much revenue you will need to meet your business goals. A startup budget is usually a key component of your business plan and is useful when applying for a loan or pitching to investors. It explains how your business will spend its resources to reach its goals.

    Business owners should always refer to their budget before making important business expenditures. This helps to make sure they can afford to spend the money. Decisions such as purchasing new machinery or whether to expand operations should only be made after checking to make sure it fits into your budget. You can adjust your budget as needed over time, but make sure to stick to those changes.

    Determining a business startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. It should only include costs that are necessary to start the business. Use this budget to be on the lookout for areas where you can save money .

    Startup costs typically fall within two categories: monthly costs and one-time costs.

    Monthly costs cover expenses that are incurred each month on a recurring basis. such as employee salaries, lease payments and utilities. One-time costs are expenses that are incurred only once during the startup period. Examples of one-time costs include the purchase of a building, computer equipment and consultant fees.

    This startup budget template can be downloaded and used for any type of business. It should be customized to include the specific cost items that apply to the company.

    To fill out this spreadsheet, determine the number of months the startup period will cover. Next, enter the applicable costs into their respective cells. The total amounts will automatically populate based on the embedded formulas. Once completed, you will be able to view an itemized list of your business’ startup costs. An example startup budget is also included to help guide you through the process.

    Starting a business can be difficult and overwhelming. By taking the time to create an accurate startup budget now, you can give your business the best chance of succeeding in the future.


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    What did the American Taxpayer Relief Act of 2012 do? #federal #budget #and #economy,,

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    Some Background

    Numerous tax cuts enacted between 2001 and 2010 were scheduled to expire after 2012, part of the “fiscal cliff” that threatened to cut short nascent recovery from the Great Recession. The expirations involved four tax acts[1] :

    • Economic Growth and Tax Relief Reconciliation Act of 2001 (EGTRRA) phased in tax cuts for most taxpayers, but scheduled all of the cuts to expire after 2010 to avoid conflict with Senate rules (Joint Committee on Taxation 2001).
    • Jobs and Growth Tax Relief Reconciliation Act of 2003 accelerated the phase-in of some of EGTRRA’s provisions, but retained their expiration dates (Joint Committee on Taxation 2003).
    • American Recovery and Reinvestment Tax Act of 2009 (Division B, Title I of the American Recovery and Reinvestment Act, or ARRA) provided a number of temporary tax cuts designed to stimulate the economy, all of which were to sunset by the end of 2010 (Altshuler et al. 2009).
    • The Tax Relief, Unemployment Insurance Reauthorization, and Job Creation Act of 2010 extended most provisions of those three acts through 2012 (Urban-Brookings Tax Policy Center 2010).

    The Tax Policy Center’s analysis of the scheduled expirations found that failure to extend them would have raised taxes by more than $500 billion in 2013—an average of almost $3,500 per household. Roughly 90 percent of Americans would have seen their tax bills rise (Williams et al. 2012).

    Congress passed the American Taxpayer Relief Act of 2012 (ATRA) early on January 1, 2013, to prevent most of the sun-setting tax cuts from expiring. Most 2001 and 2003 income tax cuts were made permanent for all but the highest-income taxpayers. Three ARRA provisions were extended through 2017, while permanent changes to the estate tax and the alternative minimum tax reduced the number of people affected and indexed those provisions for inflation.

    Tax Provisions Made Permanent

    Income Tax Provisions
    • Tax Rates: Maintains the basic marginal tax rate structure of 10, 15, 25, 28, 33, and 35 percent for taxable income under $400,000 ($450,000 for married taxpayers filing jointly); the thresholds are indexed for inflation after 2013. Taxpayers with taxable income above the thresholds face a 39.6 percent marginal tax rate.
    • Pease and PEP: The limitation on itemized deductions (Pease) and the personal exemption phaseout (PEP) applies only to taxpayers with adjusted gross incomes of $250,000 or more ($300,000 for married taxpayers filing jointly); the thresholds are indexed for inflation after 2013.
    • Child Credits: The child tax credit (CTC) equals $1,000 per child and is refundable up to 15 percent of earnings above $10,000 (indexed for inflation after 2001). Another ATRA provision temporarily reduced the refundability threshold to $3,000. The child and dependent tax care credit rate begins at 35 percent on eligible expenses up to $3,000 per child (to a maximum of $6,000) and phases down to 20 percent between AGIs of $15,000 and $43,000.
    • Marriage Penalty: The standard deduction and the 10 percent and 15 percent brackets for joint filers equal twice those for single filers.[2]
    • Education Tax: Maintains higher annual contribution limits for Coverdell education savings accounts and higher phaseout ranges for the student loan interest deduction.
    • Capital Gains and Dividends: Retains 15 percent tax rates on long-term capital gains and qualified dividends (0 percent for those who would otherwise be in the bottom two tax brackets) for taxpayers in all but the top income tax bracket; sets a 20 percent rate for those in the top bracket.
    • Alternative Minimum Tax (AMT): Sets the 2012 AMT exemption at $50,600 ($78,750 for married taxpayers filing jointly) and indexes the exemption amount, the exemption phaseout threshold, and the future tax brackets for inflation.
    Estate and Gift Taxes

    ATRA sets a $5 million effective estate and gift tax exemption (indexed for inflation from 2011) and a top estate tax rate of 40 percent. A surviving spouse may claim any exemption not previously used by the deceased, a feature termed “portability.”

    Extension of Temporary Tax Provisions

    Tax Extenders

    Congress regularly renews a few dozen temporary tax provisions, known as extenders, for one or two years at a time. ATRA extended that group of tax provisions through 2013. Most extenders had expired at the beginning of 2012; their ATRA extensions were retroactive, making them effective for 2012.

    Extension through 2017 of Certain 2009 Tax Cuts
    • The American opportunity tax credit, which replaced the HOPE education credit in 2009.
    • The CTC is refundable up to 15 percent of earnings above $3,000 (not indexed for inflation), which is reduced from earnings above $10,000 (indexed for inflation from 2001).
    • The earned income tax credit threshold for couples filing jointly is set at $5,000 (indexed from 2008) above the phaseout for single filers. The phase-in rate for families with three or more children is raised to 45 percent.

    [1] Another tax law, the Temporary Payroll Tax Cut Continuation Act of 2011, extended through 2012 a cut in employees’ share of the payroll tax funding Social Security, from 6.2 percent to 4.2 percent. ATRA did not extend that provision.

    [2] ATRA also temporarily extended the higher earned income tax credit phaseout threshold for joint filers.

    Rosanne Altshuler, Leonard E. Burman, Howard Gleckman, Dan Halperin, Benjamin H. Harris, Elaine Maag, Kim Rueben, Eric Toder, and Roberton Williams. 2009. “Tax Stimulus Report Card: Conference Bill.” Washington, DC: Urban-Brookings Tax Policy Center.American Recovery and Reinvestment Tax Act of 2009. Pub. L. No. 111-5, 123 Stat. 306 (2009).

    Urban-Brookings Tax Policy Center. “Tax Policy Center Analysis of the American Taxpayer Relief Act (ATRA)” (especially distribution and marginal tax rate tables). Accessed October 27, 2015.

    Williams, Roberton, Eric Toder, Donald Marron, and Hang Nguyen. 2012. “Toppling Off the Fiscal Cliff: Whose Taxes Rise and How Much?” Washington, DC: Urban-Brookings Tax Policy Center.


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    Top 10 Hotels in Renfrew, Ontario #business #hotels, #corporate #hotels, #room #reservations, #room #bookings,

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    Hotels in Renfrew, Ontario

    Best hotels in Renfrew

    With hotels.com we help you find the best hotels in Renfrew, Ontario.

    You can compare all of our Renfrew hotel rooms including the major Renfrew hotel chains using our genuine Hotels.com guest reviews as well as TripAdvisor Renfrew hotel reviews to help find the perfect hotel room when booking your accommodation in Renfrew. We also feature Expedia Renfrew hotels and reviews.

    When you book your Renfrew stay with Hotels.com you may also earn free nights on participating hotels by joining the Hotels.com Welcome Rewards program. It’s free to join and only takes 2 minutes to sign up and when you stay 10 nights you receive 1 night free*. So even a short weekend break in Renfrew can get you on your way to a free night.

    Why use Hotels.com to book your Renfrew lodging & accommodation?

    We can help you to find the perfect Renfrew hotel room for almost any occaision. With our fast and secure hotel search you may compare different Renfrew hotels by:

    • – Price
    • – Location within Renfrew
    • – Neighborhoods in Renfrew
    • – Nearby Renfrew attractions
    • – Hotels in different areas of Ontario
    • – Genuine Hotels.com guest reviews for Renfrew
    • – Star rating
    • – Amenities
    • – Hotel name & chain
    • – Theme

    For every hotel in Renfrew Ontario we provide:

    • – Up to the minute hotel rates & availability
    • – In depth hotel information and photos
    • – Detailed Renfrew maps showing the locations of your hotel in Renfrew and the nearest transport and landmarks
    • – TripAdvisor Renfrew hotel review score

    And when you make a hotel reservation in Renfrew with Hotels.com we’ll send you email and text confirmations with the reservation details of your Renfrew hotel booking along with contact details, directions, information on nearby Renfrew attractions, restaurants and even the weather – and if you get stuck, we’re only a phone call away.

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    Top 10 Ways to Advertise on a Budget #stock #markets


    #business advertising

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    10 Inexpensive Ways to Advertise Your Small Business

    Banner ads and print ads can be expensive. And they are not necessarily the best way to advertise your small or mid-size business. So to find how to get the greatest return on your advertising investment, Small Business Computing surveyed small business owners. Here’s what they had to say.

    10 Inexpensive Ways to Advertise Your Small Business

    Banner ads and print ads can be expensive. And they are not necessarily the best way to advertise your small or mid-size business. So to find how to get the greatest return on your advertising investment, Small Business Computing surveyed small business owners. Here’s what they had to say.

    Invest in Google AdWords

    Google AdWords and PPC [pay-per-click] can give you crazy amounts of traffic if you are tight with your campaign and run niche ad groups,” explained Andrew Riker an SEO specialist at WordStream. “Focused, long-tail keywords that are specific to your industry will cause the highest possible click-through rate and in-turn conversions.”

    Riker adds that you don’t have to spend a lot of money to get a lot of traffic. “A small daily budget—$10-$20/day—can provide you with a large amount of traffic and in turn qualified leads, as long as the ad is relevant,” he said. If you’re new to AdWords or just want to keep up with the latest tips and info, be sure to check out Inside Adwords . Google’s official resource blog on all things AdWords.

    Try Facebook Ads

    “We tried print ads and banner ads, but for our money Facebook Ads provide us with the most focused consumers,” explained Chris Knollmeyer, Web manager for Carolina Rustica. “Being able to target specific demographics lets us pinpoint people we have not reached yet and provides us with a platform to reach out to them. This kind of targeting allows us to minimize extemporaneous clicks from consumers [who are] just browsing or searching for information and gets us the most for our money.”

    “Facebook ads have definitely been the most successful overall,” concurred Megan LaBant Abrahamsen, the owner of Blue Star Bazaar. “I can set a small budget (less than $10 per day) and target specific customers – [by] age, gender, education and interests similar to my product categories.”

    Even if people don’t immediately make a purchase because of the Facebook ad, many of them wind up “liking” her business, she said, which lets Blue Star Bazaar create a database of potential customers.

    Get your Facebook Ads tips direct from the source: Facebook for Business .

    Look into StumbleUpon Ads

    “One of the best ways to advertise and get traffic to your website is by using StumbleUpon Ads ,” noted Chris Wise, the online marketing director at CustomerRave. “They cost as little as $0.05 a click, so for $5 you can get 100 unique visitors to your site. While the bounce rate is more often than not higher when using these ads, it’s a great way to advertise contests, giveaways and big promotions,” he said.

    And if the content you are promoting proves to be popular and receives a lot of “likes,” you will start receiving free traffic from Stumbles, which can go on for months, even after you have stopped advertising.

    Get Published Online

    Another great way to advertise your business is to “submit articles on topics your customers may be interested in to reputable websites, such as Ezinearticles.com . Articlesbase.com . or TheFreeLibrary.com ,” said Matthew Kostanecki, a marketing specialist at Archon Systems.

    “In exchange for the content, they allow you to include a couple of back links to your website. Not only does this provide you with potential traffic and leads to your business, it also helps establish you as an expert in your related field,” said Kostanecki. Can’t come up with a subject to write about? He suggests asking your customers about their biggest pains and problems.

    Donate Products or Volunteer Services to a Worthy Cause

    “I got the equivalent of $1,000 in advertising by building the website for the Rhode Island Rally for Recovery ,” explained Benjamin John Coleman, founder of The Origami Bonsai Company. And his investment of time really paid off—resulting in $5,000 in new business. That’s because when other vendors who participated in the Rally saw what a great job his company did building and maintaining the Rally website, they hired Coleman to help them with their websites.

    Cultivate Bloggers

    Find influential bloggers in your industry and ask them to review your product or service,” suggested Daniel Weaver, the president and owner of Daniel’sPromise. “Many will be happy to do so if you give them free product for them to use.”

    That’s what Juppy, the maker of the Juppy Baby Walker, did. “When we started out, our company we didn’t have a lot of cash on hand to spend on advertising,” explained Mayra Sotelo, the COO for Juppy. “So we decided to seek out mom bloggers who would review The Juppy Baby Walker. This worked out great for us… because there is no better [endorsement of] our baby walker that fits in a purse than by a real mom who loves our product.”

    And if you can’t find a blogger who will review and write about your product for free, there are also bloggers “who will write about your site/product/company in exchange for a fee,” noted Mike Scanlin, CEO of Born To Sell. And even with a fee, that kind of endorsement is typically more effective and less expensive than a banner ad.

    Claim Local Listings on Google Places, Yahoo Local and Bing Local

    “You’d be amazed at how many small businesses forget to sign up for services like Google Places, Yahoo Local, and Bing Local even though it’s free!” explained Mandy Boyle, the SEO manager for Solid Cactus. “Claim your local listing, fill out the information and take advantage of people searching for businesses in your area,” she advised.

    Use Community Sites and Local Directories

    Leavy uses a site called Quentin’s Friends . an invitation-only network where members can post recommendations and offers for their products and services for a very small fee. “The service is location-specific, so my ad is going out to thousands of people who are specifically in my geographic area, New York,” she said. And Leavy’s return on investment has been an impressive 6,500 percent.

    Link Up with LinkedIn Ads

    If you own a B2B company, a good way to reach your target audience is through LinkedIn Ads . “We are a small business and our target market is small business users,” explained Damian Raffele, vice president, marketing, AnyMeeting.

    LinkedIn Ads has worked well for the company, because it allows them to target a specific audience by geography, demographics, job title or LinkedIn Group. “Being able to target users who belong to specific LinkedIn Groups…allows us to design ad copy that is tailored for them, which has resulted in great conversion rates, providing us with a great ROI on our marketing spend.”

    Distribute Flyers

    “If you have a small business that focuses on a particular area, flyers are a great way to advertise,” said Nathan Letourneau, co-founder of CampusBooks4Less. And they needn’t be expensive. Chances are you have someone in your company, or a friend or family member, who can help you design the flyer inexpensively (or for free) – and you can print the flyer in house or find an inexpensive printer.

    As for distribution, “hire some high school or college students and have them put the flyers on parked cars, attach them to house entry doors and distribute them inside area businesses (to employees and on any bulletin boards, if allowed) and apartment complexes,” he advised. “We saw huge increases in traffic after having students distribute flyers on parked cars in our target areas.”

    While not every method will work for every business, each advertising strategy is inexpensive enough that you should be able try a few to find out what works for you. Also, many of the sites mentioned, such as Google AdWords and Facebook, periodically offer advertising credits or discounts, which small business owners should use to their advantage.


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    Small Business Financial Tools: Free Startup Budget Template and Guide #busy


    #small business startup

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    Essential Small Business Financial Tools: Free Startup Budget Template and Guide

    Creating a startup budget is one of the most important tasks a new business owner will undertake. A startup budget serves as a roadmap for the business. It can help you understand where the business is going and whether you’re on the right path. The cost of starting a company varies widely, so it is critical to create an accurate and realistic startup budget specifically tailored to your business.

    There are many reasons to create a startup budget. The main reasons are to figure out how much money you have, how much you will spend, and how much revenue you will need to meet your business goals. A startup budget is usually a key component of your business plan and is useful when applying for a loan or pitching to investors. It explains how your business will spend its resources to reach its goals.

    Business owners should always refer to their budget before making important business expenditures. This helps to make sure they can afford to spend the money. Decisions such as purchasing new machinery or whether to expand operations should only be made after checking to make sure it fits into your budget. You can adjust your budget as needed over time, but make sure to stick to those changes.

    Determining a business startup costs is critical to ensure enough cash is available to begin business operations on time and within the allotted budget. A startup budget usually covers the period leading up to the commencement of operations. It should only include costs that are necessary to start the business. Use this budget to be on the lookout for areas where you can save money .

    Startup costs typically fall within two categories: monthly costs and one-time costs.

    Monthly costs cover expenses that are incurred each month on a recurring basis. such as employee salaries, lease payments and utilities. One-time costs are expenses that are incurred only once during the startup period. Examples of one-time costs include the purchase of a building, computer equipment and consultant fees.

    This startup budget template can be downloaded and used for any type of business. It should be customized to include the specific cost items that apply to the company.

    To fill out this spreadsheet, determine the number of months the startup period will cover. Next, enter the applicable costs into their respective cells. The total amounts will automatically populate based on the embedded formulas. Once completed, you will be able to view an itemized list of your business’ startup costs. An example startup budget is also included to help guide you through the process.

    Starting a business can be difficult and overwhelming. By taking the time to create an accurate startup budget now, you can give your business the best chance of succeeding in the future.


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