Tag: Businesses

Acosta – Home, at home businesses.#At #home #businesses


Acosta is the engine that drives greater sales and market share for consumer goods manufacturers and retailers around the world.

At home businesses

We are the sales and marketing powerhouse behind the most recognized brands and a proven resource for top retailers all across the U.S. and Canada. We offer flexible services that maximize efficiency.

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Channel Expertise

We know consumers shop at different types of stores for different reasons. We specialize in penetrating new channels and growing businesses across the entire retail spectrum.

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Unparalleled Foodservice

We are the nation’s leading agency for food and non-food manufacturers, distributors and operators across all away-from-home meal channels.

Our Brands and Retailers

We work with leading and emerging brands, big and small.

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Aspire. Inspire. Acosta.

#JoinTheATeam

Why Acosta?

A privately held sales and marketing agency based in Jacksonville, Fla., Acosta has more than 100 offices around the world with over 30,000 employees. Learn more about how our values, services and, most importantly, people are changing the CPG experience with proven results.

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Copyright 2017, Acosta, Inc. All Rights Reserved.


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Albuquerque News, Local Weather, New Mexico News – KRQE News 13, at home businesses.#At

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Featured:

Latest Headlines

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Local restaurants give back to veterans

Restaurants around the metro gave back to those who have given so much.

At home businesses

Deputy injured in crash near Durango

An on-duty police officer was injured in a crash south of Durango.

Two brothers accused of robbing teens at gunpoint

Investigation underway for woman missing from Holloman Air Force Base

Man with record of violent crimes arrested for shooting at Smith s employee

Weather

Current Conditions

At home businesses

  • Feels Like: 63 F
  • Wind: N 8
  • Humidity: 19%
  • Dewpoint: 20 F
  • Sunrise: 6:37 AM
  • Sunset: 5:03 PM

Weather Tools

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At home businesses

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Two brothers accused of robbing teens at gunpoint

Two brothers are in big trouble after a group of teenagers says the two tried to rob them at gunpoint.

At home businesses

Audit of UNM Athletics Program shows shocking use of school funds

A state audit describes UNM s Athletic Department as a place where public employees were spending your money with no regard for it.

At home businesses

Complaint sparks review after UNM paid for employee s tuition at USC

UNM paid for an employee to get an education somewhere else, letting one of its highest-paid employees get a degree from the University of S

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KRQE NEWS BRIEFS

List ranks Rio Rancho as 17th friendliest city in US

Celebration welcomes Sandhill Cranes back to Rio Grande Valley

Early voting ends in Albuquerque s mayoral runoff election

San Juan County honors Navajo Code Talkers with monument

Walking Fort Stanton Tour emerges visitors in New Mexico history

ALWAYS ON LINKS

Veterans Day 2017: List of Deals for Veterans

Veterans Day 2017 Events

State Audit Report on UNM Athletics

Judgement and Sentence for Sheriff Raymond Gutierrez

Bernalillo County Treasurer s Office Offers Tax Help Workshops

At home businesses

Veterans Day 2017: List of free and discounted meals for America s heroes

Veterans Day is Saturday, Nov. 11, and many local businesses and organizations are showing their appreciation for those who’ve sacrificed so

At home businesses

Veterans Day 2017: List of Events Around New Mexico

Veterans Day is Saturday, November 11. The following is a list of events that are happing throughout the state for Veterans Day.

At home businesses

Investigation underway for woman missing from Holloman Air Force Base

An investigation is underway after an airwoman went missing from Holloman Air Force Base.

At home businesses

Local restaurants give back to veterans

Restaurants around the metro gave back to those who have given so much.

At home businesses

Deputy injured in crash near Durango

An on-duty police officer was injured in a crash south of Durango.

At home businesses

Man with record of violent crimes arrested for shooting at Smith s employee

A man with an extensive record of violent crimes has been arrested for shooting at a Smith s employee.

At home businesses

Veterans honored in parade, ceremony in Albuquerque

It was a beautiful day to thank our military members for their service.


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Canadian Government Grants & Loans – Small Business Financing, government grants for small businesses.#Government

Try the Grant Finder Search Engine

Search through 926 government programs

Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

Ready to Get Started?

Or fill out the form below to get in touch with one of our Funding Experts.

Government grants for small businesses

Government grants for small businesses

Government grants for small businesses

The recipients in these stories took the first step and contacted our Centre to learn about their funding options. Although we cannot guarantee you will get funding, the more you know about others experiences the better your chances.

CFSBF has no affiliation with any program, and no claim is made that funding is guaranteed.

View Funding By:

Get Expert Help

Find out if you may be eligible for funding

Call: 1 866 682 2402

Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

For More Info Call 1 866 682 2402

Find out if you may be eligible for funding

Call: 1 866 682 2402

Still not sure where to start? Our in-house group of experts can help. Give us a call or fill out the form below to begin.

Government Money May be Available For Your Business

Search through 926 government programs

You may be eligible for.

Many government programs have a limited window for when they accept new applications. Don’t risk losing your chance to receive funding.

Time Left To Register Today

Ready to Get Started?

Call Us for More Info 1 866 682 2402

Or fill out the form below to get in touch with one of our Funding Experts.


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Small Businesses, grants for small businesses.#Grants #for #small #businesses


Small Businesses

This section focuses on the preparedness of small businesses. It discusses the risks particular to small businesses, the values of preparedness, and the various resources that small businesses can use to reduce impacts and financial damages of disruptive or catastrophic events and to return more quickly to normal operations with nominal effect to the revenue stream.

Hyperlinks to non-FEMA websites are provided for the user’s convenience and do not represent an endorsement by FEMA of any commercial or private sector issues, products, or services. Please note that the privacy policies of the linked sites may differ from that of FEMA. Also, realize that when clicking on these links, you will be exiting the Federal Emergency Management Agency (FEMA) web site.

What’s At Risk With Your Small Business

As our global climate changes, natural disasters, such as hurricanes, coastal storms, floods, droughts and wildfires may become more frequent and more intense.

Given projections related to climate change, combined with demographic and economic trends that suggest population growth in higher risk coastal areas, our nation could face a future of more disasters, resulting in greater loss of life, even greater economic impacts and far greater social disruption.

As populations and communities continue to grow and migrate to urban areas, the likelihood of devastation caused by disasters will increase.

Each year, these disasters take their toll on small businesses and private sector-owned infrastructure in lives and economic losses.

The nation’s capacity to manage catastrophic disasters requires us to foster a common understanding of the risks we face.

As a society, the Whole Community must apply preparedness solutions to strengthen America’s competitiveness in an increasingly global economy.

What’s On The Horizon

As modern society becomes more and more globalized and interdependent, connecting community economies, global supply chains, outsourcing activities, modern just-in-time systems, the internet and electronic economic systems have radically reduced any tolerance for error.

The increasing pace of social change, innovation, and technological advances has combined to create additional vulnerabilities.

Regional and global dependencies may make it difficult for individual business operations or entire industries to tolerate disruptions that may occur on the other side of the globe.

Current inventory and delivery strategies and outsourcing models can result in profitable business but they leave businesses vulnerable to profound technology failure.

Dramatic examples of events that had a global affect on business include:

The Icelandic volcano eruption in 2010 that grounded a large percentage of global air travel and international commerce worldwide dependent on rapid inventory shipments was severely stressed.

The March 11, 2011 Japan 9.0 magnitude earthquakes and tsunami which struck the northeastern coast was the most significant disruption that the global supply chain has experienced in modern times.

Change Begins From The Top Down

Success in developing a business continuity plan and program requires upper management support. The chief executive sets the tone by authorizing program funding and plan development to take place and directing senior management to get involved. When presenting the case for developing a business continuity program and plan, leadership should emphasize the positive aspects of preparedness and avoid dwelling on the negative effects of an emergency (e.g. deaths, fines, criminal prosecution). For example:

It helps companies fulfill their moral responsibility to protect employees, the community, and the environment.

It facilitates compliance with regulatory requirements of federal, state, tribal, territorial and local agencies.

It enhances a company’s ability to recover from financial losses, regulatory fines, loss of market share, damages to equipment or products or business interruption.

It reduces exposure to civil or criminal liability in the event of an incident.

It enhances a company’s image and credibility with employees, customers, suppliers, and the community.

It could potentially reduce your insurance premiums.

What You Can Do

Something can be done. Small businesses and private sector infrastructure owners can limit employee injuries and property damages and return more quickly to normal operations if they plan ahead. As businesses expand and become larger, the pool of resources available to perform these functions grows but so does the amount and complexity of their business. This is where a business continuity plan (BCP) helps you protect your investment. There are a lot of useful self-help small businesses preparedness programs out there (see PS-Prep TM Program Resources page for additional preparedness program information). In order for a small business to get up and running after a disaster, they need to perform a version of these five BCP functions, or steps, that is appropriate for their particular business size long before any impending disaster:

Hazard types and risks of occurrence.

Possible physical damage to the organization and shutdown impacts.

Cost and revenue loss estimates.

Available physical and financial resources.

Recovery estimates and alternative survival.

Termination strategies and tactics.

Decide to continue or terminate business operations based on the above analysis of the projected versus actual post-disaster business situation. This will occur after the disruptive event although it often will occur as part of the BCP process prior to any event. A decision to continue or terminate business operations should be carefully reviewed by all small and medium-sized business owners with any doubts concerning the viability of their firms to:

Obtain information on key reasons for choosing continuation or termination and alternative approaches to doing each. Very small businesses, in particular, should not take deciding to continue operations as a foregone conclusion because of their greater vulnerabilities and risks to the personal assets and savings of their owners.

Other factors in the decision to continue or terminate include:

Has business interruption insurance been purchased to cover physical damage, shutdown and other disaster costs, as well as losses caused by the interruption of revenue?

Have arrangements been made for alternate supply sources and/or potential business operating locations?

Prioritize customers, products, critical operations, suppliers and owner and employee roles.

Organize personnel, facility, equipment, supply and financial resources by goals, objectives and tasks (delegate as necessary). Other factors that affect the decisions during organizing are:

The purchasing of business interruption insurance to cover physical damage,

Shutdown and other disaster costs, as well as revenue losses, plus

Making arrangements for alternate supply sources and/or business operating locations.

Execute an appropriate preplanned business continuation strategy and implementation tactics based upon the actual post-disaster (or emergency) situation and above BCP analysis, continuation decision, prioritization and resource organization for BCP projected post-disaster situation closest to the actual one (improvise as necessary). Three basic alternative types of business continuation strategies, based upon the level of risk the business owner/executive is willing to take, are discussed in this guidance and included in the Execution step of both BCP templates:

Modest success, minimum risk

Moderate success, moderate risk

Maximum success, maximum risk

As noted above, companies may well need to improvise on the appropriate one of these strategies given the near impossibility of exactly predicting the future but putting the structure of these alternative strategies in a plan prior to an actual disaster will greatly aid effective execution of a well-thought-out strategy. It should also be noted that although the second and third strategies are available to both medium-sized and small businesses, choosing to take significant risks is more financially dangerous and threatening to small business owners because such risks can result in the loss of personal savings and/or property.

How We Can Help

The Small Business Preparedness Recognition program and Ready Business will assist businesses in developing a preparedness program by providing tools to create a plan that addresses the impact of many hazards. This website and its tools utilize an “all hazards approach” and follows the program elements within business continuity best practices, guidelines and standards adopted by the PS-Prep™. By using the Business Continuity Planning Suite you can develop the necessary program.


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The Business grants and funding available to UK small businesses, grants for small businesses.#Grants

Government Grants

The government grants section has a wealth of articles and advice on how UK small businesses can get a grant from both the public and private sector, along with helpful guides on the different types of business grants and funding available to business owners starting and running a business.

A small business grants guide for 2017

Here, Peter Fleming takes a look at a range of options for funding your business through grants this year.

There are many European and UK-wide government business grant schemes; there are also local business funding schemes provided through Local Enterprise Partnerships (LEPs) or through local authorities and organisations such as the Chambers of Commerce. However there were 512 registered schemes at the last count! So a good place to start your research is on the government website.

Business grants are available at a local and national level and usually sector specific. They offer between £1,000 and £100,000 for SMEs, but funds can be unlimited for larger businesses within EU state aid programmes.

With grants you don’t pay the money back. However, it’s worth noting there will be clawback terms if you falsify claims in respect to expected outputs set by the grant scheme. Therefore, ensure your application is captivating and thorough as it will go through a due diligence process.

Normally there are two stages, submitting an Expression of Interest (EOI) to ensure your business and grant application meets the scope of the grant call and then a full application process whereby you will need to supply, market research, a business plan and at least 1-3 years of financial forecasts.

Throughout the process, you will need to justify there is additionality i.e. not just the reason why you need funding, but by obtaining a grant, how many new jobs you will create, if you’re opening up new markets or export opportunities or that your idea could be a game changer.

It is always worth getting a second opinion regarding the feasibility and strength of your application against the grant objectives and any regional strategic economic plan. Therefore speak to your accountant, a local business adviser or the Growth Hub.

The larger grant opportunities can be competitive and therefore be a long-drawn-out process, taking several months in some cases to receive just an offer. So if you are looking for subsidies and money quickly a grant may not be the right solution for your business.

It is also worth noting if your application is successful, grant moneys are not paid upfront but claimed normally at the back end of the project or even after any intervention is completed.

Therefore you will need to use your own cash reserves and any other funding prior to drawing down the grant money. I have even known businesses take out bridging loans till they have received their grant funds.

Some key areas of your business whereby you could access business advice or a grant;

Business advice and support, whether you are pre-start, a new start or an established business, there are regional Business Growth Hubs across the UK whereby you can obtain free or funded advice. You can normally obtain specialist support to devise a business growth strategy, do market research to create a sales and marketing plan, implement social media management or even get advice on how to apply for further funding.

Note each UK region may have a focus on specific business sectors, business sizes and locations, as eligibility can be even post code specific.

Skills and development government grants

The Skills Funding Agency oversees the current apprenticeship scheme, however on May 1st 2017 the new Apprenticeship Levy scheme starts whereby your business could access subsidised training and development to upskill existing employees to even Master’s degree level.

Many regional Universities, Colleges and further education organisations will be offering a multitude of subsidised short courses or funded degree level programmes which will help you develop your existing staff to be the managers and directors of the future.

If your business is within a rural development area and looking to grow, invest in infrastructure, machinery or seek specialist advice to diversify. Or if your business is involved with forestry and land projects the government have a scheme called LEADER managed through Local Action Groups.

The Carbon Trust Green Business Fund is a new energy efficiency support service for small and medium-sized companies in England, Scotland and Wales.

It provides direct funded support through energy assessments, training workshops, equipment procurement support and up to £10,000 capital contribution towards the purchase of energy saving equipment.

Manufacturing is an area which is increasingly supported through grant schemes. Therefore if you manufacture textiles, specialist tooling, operate in the digital market, within the nuclear supply chain or need support for international trade, or manufacture in many other sectors, there is likely to be a grant scheme that your business can access.

Innovation, Research and Development

Innovate UK, offers support and funding to help businesses develop new products and services and bring them closer to market, this may be to bring people together to share ideas, tackle challenges and make new technological advances.

They targets technologies and areas with the greatest scope to improve business, the economy and society.

Local Enterprise Partnership

For anyone looking for grants at the moment, the go-to people will be their Local Enterprise Partnership (LEP). One of the main functions of the LEPS is to generate economic growth and so many have their own grants programmes.

In addition, most provide some form of business support and advice. As part of the business advice service they collate information on local and national grants and will signpost business owners to the relevant organisations.

Another great source of information is the government ‘Business is Great’ website which has a page dedicated to a number of funds to support innovation.

There is also is an EU tool which does a better job than anything I’ve seen of clarifying what finance is available across the EU including although is does require some persistence in searching to get to the information.

For companies and individuals with ground breaking research which may require significant funding there is also Horizon 2020:

Grant funding is not for everyone but could give your business the boost it needs. Proper preparation, thorough research, getting professional advice and being able to clearly explain why you require your grant funding is more likely to lead to a successful application. And, as a result, help you obtain the financial support for a better, bigger and more profitable business for you.


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Businesses, Internal Revenue Service, local businesses.#Local #businesses


Tax Information For Businesses

Small Business and Self-Employed Tax Center

Access to tax information useful to small businesses with assets of $10 million or less.

Large Business and International Tax Center

This page provides links which are helpful for large to mid-size businesses with assets greater than $10 million

LB I Compliance Campaigns

LB I launches Compliance Campaigns. Campaigns will ensure that resources are used efficiently and effectively to improve taxpayer compliance. LB I’s goal is to improve return selection, identify issues representing the risk of non-compliance, and make the greatest use of limited resources.

Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) provides an incentive to hire individuals from targeted groups. The legislative changes under the Tax Increase Prevention Act of 2014, retroactively allow taxable employers to claim the WOTC for all of the targeted group employee categories listed on Form 5884, if they began work after Dec. 31, 2013, and before Jan. 1, 2015.

Effect of Sequestration on the Alternative Minimum Tax Credit for Corporations

The Balanced Budget and Emergency Deficit Reduction Act of 1985, as amended, requires certain spending cuts during Fiscal Year 2017 due to the sequester triggered earlier this year.

Self-Employed Individuals Tax Center

The basics on your tax responsibilities if you are self-employed or an independent contractor.

IRS Video Portal

The IRS Video portal contains video and audio presentations on topics of interest to small businesses, individuals and tax professionals. You will find video clips of tax topics, and archived versions of live panel discussions and webinars.

Employment Taxes

Federal income tax, Social Security and Medicare taxes, FUTA, self-employment tax and more.

Disaster Assistance and Emergency Relief for Individuals and Businesses

Special tax law provisions may help taxpayers and businesses recover financially from a disaster.

Small Business Forms and Publications

Download multiple small business and self-employed forms and publications.

e-file for Large Business and International (LB I)

Certain large business and International (LB I) corporations are required to electronically file their Forms 1120 and 1120S. Other corporations may do so voluntarily. This site provides e-file information for corporations that prepare and transmit their own electronic corporate income tax returns and those that use the services of third party tax professionals.

Employer ID Numbers

Find out more on EINs or apply for one online.

Employee Tool Equipment Plans

The Internal Revenue Service has established a compliance team to address the marketing and mistreatment of employee tool and equipment plans as tax-favored accountable plans.

Deducting Business Expenses

Find out what qualifies as a deductible business expense, including depreciation.

IRS Tax Calendar for Businesses and Self-Employed

The tax calendar is available for downloading and printing, or you can view it online.

EFTPS: The Electronic Federal Tax Payment System

Electronic Federal Tax Payment System (EFTPS). Free from the US Treasury.

Form 2290 e-file

Approved 2290 e-file providers.

U.S. Citizens and Resident Aliens Abroad

This section covers tax topics for U.S. citizens or resident aliens living overseas.

Excise Tax

Information about the various programs, databases, and activities within Excise Tax.

Industry Issue Resolution Program

The Industry Issue Resolution (IIR) Program resolves frequently disputed or burdensome tax issues. IRS solicits suggestions for issues for the program from taxpayers, representatives and associations.

Estate and Gift Taxes

General information on when these taxes apply and when they do not.

Filing Past Due Tax Returns

Understand how to file past due returns.

Information Returns Processing

The Information Reporting Program Website is designed to help you meet your Information Reporting Requirements. Included are help-line telephone numbers and direct links to aid you in reporting information returns. You will also find information about how to file returns electronically or magnetically.

LB I Directives

LB I Directives provide industry-related and administrative guidance to LB I examiners to ensure consistent tax administration. The Directives do not establish Service position on legal issues and are not legal guidance.

Online Ordering for Information Returns and Employer Returns

Order information returns and employer returns online.

Manufacturers’ Energy Efficient Appliance Credit

Act Section 305 – Modifications of Energy Efficient Appliance Credit for Appliances Produced After 2007

Audit Techniques Guides (ATGs)

These guides contain examination techniques to assist examiners in performing examinations.

Plug-In Electric Drive Vehicle Credit (IRC 30D)

Plug-In Electric Drive Vehicle Credit (IRC 30D) – Internal Revenue Code Section 30D provides a credit for Qualified Plug-in Electric Drive Motor Vehicles including passenger vehicles and light trucks.

Your Guide to an IRS Small Business Audit

Video series shows small business owners steps of an audit and answers questions about the process

Income from Abroad is Taxable

There have been recent reports about the interest of the Internal Revenue Service (IRS) in taxpayers with bank accounts in Liechtenstein. The IRS’ interest, however, extends beyond bank accounts in Liechtenstein to financial accounts anywhere in the world. The IRS reminds you to report your worldwide income on your U.S. tax return and lists the possible consequences of hiding income overseas.

Quality Examination Process

The Quality Examination Process (QEP) is a systematic approach for engaging and involving Large Business and International (LB I) taxpayers in the tax examination process, from the earliest planning stages through resolution of all issues and completion of the case.

Market Segment Understandings (MSU)

The IRS and taxpayers in particular market segments, work together to improve tax compliance.

Railroad Retirement Tax Act (RRTA) Desk Guide (January 2009)

This Desk Reference Guide is intended as a resource tool to assist Revenue Agents who are assigned the examination of a railroad employer. The Guide was prepared presuming that the reader has already received employment tax training.

Federal Payment Levy Program

Certain federal payments (OPM, SSA, federal employee salaries, and federal employee travel) disbursed by the Department of the Treasury, Bureau of Fiscal Service (BFS) may be subject to a 15 percent levy through the Federal Payment Levy Program (FPLP) to pay your delinquent tax debt. Find out your appeal rights and how to resolve any dispute.

Research Credit

Guidelines and audit technique guide are provided for field examiners on the examination of Research Credit cases.

The International Tax Gap

Find resources on this page pertaining to the international tax gap — the difference between the amount of tax that taxpayers should pay and the amount that is paid voluntarily and on time. The tax gap can also be thought of as the sum of non-compliance with the tax law.

Uncertain Tax Positions – Schedule UTP

IRS finalized Schedule UTP instructions for reporting uncertain tax positions by certain corporations.

IRS Non-Retaliation Policy

IRS has a zero-tolerance policy for retaliation and has had one in place since 1998.

Educating Your Employees About Tax Compliance

These products may help employees with their tax responsibilities.


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Couple Fined $3, 500 For Writing a Negative Review – ABC News, online businesses.#Online

Sections

Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

Utah Couple Fined $3,500 by Online Merchant Turns Tables

Online businesses

After an online merchant fined a Utah couple $3,500 for writing a negative review and sparked a financial nightmare for more than a year, a public service lawyer has agreed to take the case and fight back with demands for $75,000 in compensation.

When Jen Palmer of Salt Lake City didn’t receive a Christmas gift that her husband ordered for her online, she wrote a negative review of KlearGear.com and moved on with her life. But the company fined the Palmers $3,500, citing bizarre fine print on its website.

“No one would have expected this from doing perfectly normal, everyday and perfectly legal things,” Scott Michelman, staff attorney with Public Citizen who is representing the Palmers, told ABCNews.com.

KlearGear.com didn’t deliver Palmer’s online order of a desk ornament that was less than $20, so it cancelled the transaction in Dec. 2008. Jen Palmer, now 40, wrote a negative review on private business review site RipoffReport.com, saying KlearGear.com had “horrible customer service practices.”

“It’s been five years,” Palmer, an executive assistant, told ABCNews.com. “Once we put the review up we pretty much forgot about it. It was no different than writing a review, good or bad, about any company. We just figured we’ll share our story and hopefully it warns anybody else.”

Then last summer, her husband, John, a senior network engineer, received an email from KlearGear.com demanding $3,500 pursuant to a non-disparagement clause that it claimed was in its “Terms of Use” on its website.

“We were blown away,” Jen Palmer said, recalling that her husband asked her who KlearGear.com was when he received the email. “We were floored. We couldn’t believe that somebody would even attempt to do this. The threat of doing it was scary enough, but the extent to which they did it blew my mind.”

The Palmers say they asked RipOffReport to take down the negative review, but the site has an arbitration process that requires the involvement of the business. The couple say they shared this information with KlearGear.com to no avail.

“There is an option to post updates to the report at no charge to anyone,” Ed Magedson, founder of RipOffReport told ABCNews.com. “For example, if Kleargear.com reconsiders its decisions, Jen Palmer could post an update to tell other consumers how the situation was resolved.”

When the Palmers refused to pay the amount, KlearGear.com reported their “debt” to one or more credit reporting agencies. When the Palmers disputed the debt with several credit reporting agencies, KlearGear.com continued to maintain that the debt was owed and then demanded a $50 “dispute fee” because they attempted to dispute the debt, the couple says.

KlearGear.com did not respond to a request for comment.

Unable to afford an attorney to dispute the debt, the Palmers said the mark on their credit history affects their ability to obtain loans, most recently for a financing plan for a new furnace. As a result, last month the couple and their 3-year-old son were without heat for three weeks until they saved the $1,900 to buy a furnace.

“Utah in October gets very cold pretty quickly,” Jen Palmer said.

Besides the debt to KlearGear.com, Palmer said she and her husband have maintained a good credit history.

“We really try to live within our means. We don’t live on credit,” she said.

After the Palmers took their story to a local television station, the nonprofit advocacy group Public Citizen volunteered to represent the couple, sending a letter on Monday to KlearGear.com, threatening to file a lawsuit against the e-commerce site unless it fixes the situation with a deadline of Dec. 16.

In Michelman’s letter, he writes that the Palmers asked KlearGear.com to inform the three major credit reporting agencies that their debt was in error, to compensate the Palmers $75,000 and not to include its “non-disparagement clause” going forward.

Michelman said the $75,000 compensation amount is in the high range of a typical award for acts in violation of the Fair Credit Reporting Act.

“There’s no excuse for what KlearGear did,” Michelman said. “We want to prevent consumers from being taken advantage of with regard to their credit.”

The harm imposed on the Palmers wasn’t just theoretical, Michelman points out in the letter, detailing the numerous times the denial of credit affected their lives. In addition to the inability to obtain financing for a new furnace, the Palmers experienced a delay of a car loan, denial of a credit card, and the inability to sell their home and purchase a new one. The Palmers also say the negative credit report has deterred them from seeking to refinance their home or secure a home equity loan for roof and window repairs.

“Obviously we would like this resolved sooner than later,” Jen Palmer said. “It has gone on long enough. It never should have happened in the first place. I don’t want to conjecture their thought process. We want this resolved as quickly and peacefully as possible.”

Michelman said it’s not the first time he has seen a business try to muzzle its critics through the use of non-disparagement clauses or legal devices to stop customers from writing negative reviews. One method he has seen is a company assigning over to itself copyright of a customer review. Earlier this year, Public Citizen represented a customer in Greenville, S.C., who was sued by an eBay seller after she gave the seller a low-star rating.

Michelman said these companies’ terms are so “unconscionable” that a court will likely not enforce them, which often happens when a term is imposed on a party that has no choice but to agree to it.

“So these contracts are ‘take it or leave it.’ They are not negotiated between parties of equal bargaining power,” he said. “A consumer going to a website to buy a product may not see or read through the terms of service by clicking ‘I agree.'”

Michelman also said that the “non-disparagement” clause was not even on the website when John Palmer placed his order in 2008.

“That’s another reason KlearGear’s conduct in this situation is unsupported and incredibly unfair to the Palmers,” Michelman said.


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Businesses, Internal Revenue Service, online businesses.#Online #businesses


Tax Information For Businesses

Small Business and Self-Employed Tax Center

Access to tax information useful to small businesses with assets of $10 million or less.

Large Business and International Tax Center

This page provides links which are helpful for large to mid-size businesses with assets greater than $10 million

LB I Compliance Campaigns

LB I launches Compliance Campaigns. Campaigns will ensure that resources are used efficiently and effectively to improve taxpayer compliance. LB I’s goal is to improve return selection, identify issues representing the risk of non-compliance, and make the greatest use of limited resources.

Work Opportunity Tax Credit

The Work Opportunity Tax Credit (WOTC) provides an incentive to hire individuals from targeted groups. The legislative changes under the Tax Increase Prevention Act of 2014, retroactively allow taxable employers to claim the WOTC for all of the targeted group employee categories listed on Form 5884, if they began work after Dec. 31, 2013, and before Jan. 1, 2015.

Effect of Sequestration on the Alternative Minimum Tax Credit for Corporations

The Balanced Budget and Emergency Deficit Reduction Act of 1985, as amended, requires certain spending cuts during Fiscal Year 2017 due to the sequester triggered earlier this year.

Self-Employed Individuals Tax Center

The basics on your tax responsibilities if you are self-employed or an independent contractor.

IRS Video Portal

The IRS Video portal contains video and audio presentations on topics of interest to small businesses, individuals and tax professionals. You will find video clips of tax topics, and archived versions of live panel discussions and webinars.

Employment Taxes

Federal income tax, Social Security and Medicare taxes, FUTA, self-employment tax and more.

Disaster Assistance and Emergency Relief for Individuals and Businesses

Special tax law provisions may help taxpayers and businesses recover financially from a disaster.

Small Business Forms and Publications

Download multiple small business and self-employed forms and publications.

e-file for Large Business and International (LB I)

Certain large business and International (LB I) corporations are required to electronically file their Forms 1120 and 1120S. Other corporations may do so voluntarily. This site provides e-file information for corporations that prepare and transmit their own electronic corporate income tax returns and those that use the services of third party tax professionals.

Employer ID Numbers

Find out more on EINs or apply for one online.

Employee Tool Equipment Plans

The Internal Revenue Service has established a compliance team to address the marketing and mistreatment of employee tool and equipment plans as tax-favored accountable plans.

Deducting Business Expenses

Find out what qualifies as a deductible business expense, including depreciation.

IRS Tax Calendar for Businesses and Self-Employed

The tax calendar is available for downloading and printing, or you can view it online.

EFTPS: The Electronic Federal Tax Payment System

Electronic Federal Tax Payment System (EFTPS). Free from the US Treasury.

Form 2290 e-file

Approved 2290 e-file providers.

U.S. Citizens and Resident Aliens Abroad

This section covers tax topics for U.S. citizens or resident aliens living overseas.

Excise Tax

Information about the various programs, databases, and activities within Excise Tax.

Industry Issue Resolution Program

The Industry Issue Resolution (IIR) Program resolves frequently disputed or burdensome tax issues. IRS solicits suggestions for issues for the program from taxpayers, representatives and associations.

Estate and Gift Taxes

General information on when these taxes apply and when they do not.

Filing Past Due Tax Returns

Understand how to file past due returns.

Information Returns Processing

The Information Reporting Program Website is designed to help you meet your Information Reporting Requirements. Included are help-line telephone numbers and direct links to aid you in reporting information returns. You will also find information about how to file returns electronically or magnetically.

LB I Directives

LB I Directives provide industry-related and administrative guidance to LB I examiners to ensure consistent tax administration. The Directives do not establish Service position on legal issues and are not legal guidance.

Online Ordering for Information Returns and Employer Returns

Order information returns and employer returns online.

Manufacturers’ Energy Efficient Appliance Credit

Act Section 305 – Modifications of Energy Efficient Appliance Credit for Appliances Produced After 2007

Audit Techniques Guides (ATGs)

These guides contain examination techniques to assist examiners in performing examinations.

Plug-In Electric Drive Vehicle Credit (IRC 30D)

Plug-In Electric Drive Vehicle Credit (IRC 30D) – Internal Revenue Code Section 30D provides a credit for Qualified Plug-in Electric Drive Motor Vehicles including passenger vehicles and light trucks.

Your Guide to an IRS Small Business Audit

Video series shows small business owners steps of an audit and answers questions about the process

Income from Abroad is Taxable

There have been recent reports about the interest of the Internal Revenue Service (IRS) in taxpayers with bank accounts in Liechtenstein. The IRS’ interest, however, extends beyond bank accounts in Liechtenstein to financial accounts anywhere in the world. The IRS reminds you to report your worldwide income on your U.S. tax return and lists the possible consequences of hiding income overseas.

Quality Examination Process

The Quality Examination Process (QEP) is a systematic approach for engaging and involving Large Business and International (LB I) taxpayers in the tax examination process, from the earliest planning stages through resolution of all issues and completion of the case.

Market Segment Understandings (MSU)

The IRS and taxpayers in particular market segments, work together to improve tax compliance.

Railroad Retirement Tax Act (RRTA) Desk Guide (January 2009)

This Desk Reference Guide is intended as a resource tool to assist Revenue Agents who are assigned the examination of a railroad employer. The Guide was prepared presuming that the reader has already received employment tax training.

Federal Payment Levy Program

Certain federal payments (OPM, SSA, federal employee salaries, and federal employee travel) disbursed by the Department of the Treasury, Bureau of Fiscal Service (BFS) may be subject to a 15 percent levy through the Federal Payment Levy Program (FPLP) to pay your delinquent tax debt. Find out your appeal rights and how to resolve any dispute.

Research Credit

Guidelines and audit technique guide are provided for field examiners on the examination of Research Credit cases.

The International Tax Gap

Find resources on this page pertaining to the international tax gap — the difference between the amount of tax that taxpayers should pay and the amount that is paid voluntarily and on time. The tax gap can also be thought of as the sum of non-compliance with the tax law.

Uncertain Tax Positions – Schedule UTP

IRS finalized Schedule UTP instructions for reporting uncertain tax positions by certain corporations.

IRS Non-Retaliation Policy

IRS has a zero-tolerance policy for retaliation and has had one in place since 1998.

Educating Your Employees About Tax Compliance

These products may help employees with their tax responsibilities.


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Doing Business on the Internet (Business Reference Services, Library of Congress), internet businesses.#Internet #businesses


Doing Business on the Internet

This guide, prepared by staff of the Business Reference Section, is designed to bring together a sampling, rather than a comprehensive list, of web resources offering free information that may be useful to those interested in conducting business on the Internet.

Unless otherwise noted, the web sites listed in this guide were created and are maintained by organizations not affiliated with the Library of Congress and are cited here as a convenience and for informational purposes only. Their inclusion here does not constitute an endorsement or an approval by the Library of Congress of any of the products, services, or opinions of the external provider. The Library of Congress bears no responsibility for the accuracy or the content of external sites. Please contact the external site’s administrator for answers to questions regarding any of these sites.

For information about searching for the many print books on this topic available for use at the Library of Congress, please see below.

If you have any further questions, please Ask A Librarian.

General Sources for Doing Business on the Internet

A not-for-profit 501c(6) mutual benefit corporation which is conducting the first large-scale market trial of technologies and business processes to support interoperable electronic commerce via the Internet.

  • comScore

    comScore is a global Internet fee-for-service information provider serving clients with data from multiple proprietary databases that provide a continuous, real-time measurement of Internet use, including such data as site traffic, audience demographics, search engine usage, local market measurement, and Internet trends worldwide. Limited free sample data is available through the site’s Press Events page.

  • Free Pint

    Written by information professionals in the UK, this free e-mail newsletter gives “tips, tricks and articles on how and where to find reliable Web sites and search more effectively.”

  • Fraud.org(National Consumer League)

    The site assists consumers to “distinguish between legitimate and fraudulent promotions in cyberspace and route reports of suspected fraud to the appropriate law enforcement agencies.”

  • Market Segmentation: A Guide to Sources of Information

    This Library of Congress Business Reference Service guide includes books and other resources that discuss marketing to particular segments of the population along with other sources that are important in determining the size and power of a particular market segment. Also included are statistical books and other sources whose main focus is on a specific generational, ethnic or other group.

  • PeerSpectives(Edward Lowe Foundation)

    Designed for the business owner, the site emphasizes peer-networking and next-level thinking, encouraging business owners to anticipate issues the company is likely to encounter at the next level of growth and to understand the organizational changes required to move the company to that level. Includes numerous short articles on such topics as building an organization, acquiring and managing finances, human resources, legal issues, taxes, operations and technology. Some articles include citations to additional sources of information, including books, articles, research centers, professional associations, and web sites.

  • “Netiquette” for Doing Business on the Internet

    • How To Learning Guide (WebsiteBuilders.com)

    Covers a wide range of Internet related topics from the basics such as netiquette, email, searching the web to advanced web tutorials on creating web sites, web publishing, multimedia, conferencing, security, privacy, etc. Contains a glossary.

  • Netiquette Home Page(Seth T. Ross )

    Provides information on the responsible use of the Internet. As described on the home page, ‘Netiquette’ is network etiquette, the do’s and don’ts of online communication. Netiquette covers both common courtesy online and the informal ‘rules of the road’ of cyberspace.

  • Internet Business Directories

    A Forbes “Best of the Web” pick for B2B, Alibaba, which is based in Hangzhou in eastern China, with offices in Hong Kong, Switzerland and the United States, describes itself as a leading online B2B marketplace for global buyers and importers looking to find and trade with suppliers from China and other manufacturing countries. As of June 30, 2007, it had more than 3.6 million registered users in over 200 countries and regions.

  • AllBusiness(AllBusiness)

    Claims to be the largest and most comprehensive business catalog in the world. .

  • SuperPages.com

    Maintained by Verizon Information Services, the site allows users to search yellow and white pages nationwide. Also includes other features such as product reviews and an interactive MerchantMatch page.

  • Internet Services and Consultants for Businesses

    • BtoB: Advertising Age’s Newspaper of the Marketing Revolution(Crain Communications)

    Site includes the Web Price Index, a monthly study of the cost of web services; NetMarketing 200, a ranking of two hundred business-to-business sites, searchable by name, rank, or industry; and the BtoB 100, a listing of top advertisers by spending or by medium.

  • internet.com

    This portal to information on electronic commerce offers daily news, feature articles, product reviews, case studies, and an e-commerce events calendar, as well as an e-commerce-focused discussion forum.


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    Internet Businesses, III, internet businesses.#Internet #businesses


    Insuring Your Business: Small Business Owners’ Guide to Insurance

    Publications

    If your business promotes or markets its products or services over the Internet, there are unique property and liability risks. For example, you are vulnerable to major loss exposures from malicious attacks, loss of service or theft of customer information from your database.

    As use of the Internet has grown, insurers have worked to develop products that address the insurance needs of businesses that engage in e-commerce. This is an area of rapid evolution in the insurance industry.

    For the majority of small businesses, the most efficient and cost effective way to obtain e-commerce-related coverage is with a Businessowners Policy (BOP), preferably one that is specifically tailored to your type of business. These policies roll a number of different types of coverage into one insurance contract. Though marketed under a variety of names, the policies typically have provisions similar to the property insurance and liability insurance sections of the BOP, with the option to add various other coverages that you may need.

    Property Insurance

    In addition to insuring your real and personal property and providing other coverage, the BOP includes as part of the basic policy two types of e-commerce-related property coverages. Computer Operations Interruption Coverage pays for business income lost and extra expenses incurred as a result of many computer problems. Electronic Data Loss Coverage pays the cost to replace or restore electronic data destroyed or damaged as the result of causes of loss named in the policy. These include a computer virus or harmful code. For more coverage, there are several endorsements you can choose to add to your BOP. You should discuss your needs with your agent.

    Liability Insurance

    E-commerce creates liability risks. One is that a breach of your system may cause private information to be compromised. You can add the Electronic Data Liability Endorsement to your BOP to cover liability resulting from loss of electronic data that is caused by an “electronic data incident.”

    Another is the risk that someone could accuse you of libel, slander or advertising injury because of something published on your Web site. The BOP would provide coverage to defend you and pay any damages for which you are legally liable, up to the policy limit.

    While these coverages help protect your e-commerce endeavor, there are events that would not be covered. For example, the Electronic Data Liability Endorsement, defines an “electronic data incident” as an “accident, negligent act, error or omission” that results in loss of electronic data. If the data loss is from some other cause—such as theft—there is no coverage. Insurers are working to develop products that will fill in this and other gaps in e-commerce insurance coverage.

    Workers Compensation Insurance

    States have varying rules about when an employer must provide workers compensation insurance. If you have three or more employees, you should check with your state department of workers compensation to see if you are required to provide workers comp insurance.


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