Business

iphone wholesale

2009-10-07T10:23:00.000-07:00

The devices astonish to surround us. They are products of today 'technologies of enormous S. the majority among us cannot more live without them as portable devices, of the portables, the PSP, the ipods wholesale and excitation of iPhone. the iphone wholesale is a good device for people who always go. It is not only one portable but also the telephone Internet-connected by Multimedios to the contact to remote Sreeni. Time Magazine called it like the invention of the year in 2007. Released for the last time the iPhone 3G is on July 11, 2008. The iPhone 3Gs was announced for the last time on June 8, 2009 and will be released on June 19. If you want to damage this detail of iPhone, an expert of company with regard to the distribution of the detail and one of the best suppliers of the iphones wholesale approximately and other the consumable electronic ones on the Internet. If you want the increase, this can be good deals for them also roughly gives discounts for purchases of the iPhones. For customers of the iPhone roughly, send is available with the selected distributors.

purchase gifts for your parents

2009-07-29T05:59:00.000-07:00

Majority among us love to be collected and, purchase gifts for your friends of children and parents. We considered this as our pastimes collect various kinds of products of quality. 'm one of them and bought braids of nap mat cones of the coats, cones decorated with a monogram out of glass and more.

Well, if you seek the braid of the point of COM of the cheaper lane of the braid of the nap is the best group of Web sites of Internet. Narrowly throw a glance of the children personalized of various designs the 'dishes of S, him 's beautiful and accessible. You can choose the best models to adapt to your needs.

Oh also offer the envelopes of the mint of the envelope of towel wrap, roller ezy, adding the lunch, the places of the snack, bags of duffle, the laundry bag, covers of baby, personalized the cups sippy, the dishes, the covers made on the ordering of fabric deeply and soft, the personalized cups, personalized stamps, ink and much more. He 'majority of S of the popular gifts for not only the family but also their friends.

If you are interested to buy, just check the Web site and order it online.

Easy car.com the best car hire

2009-07-25T21:08:00.000-07:00

Easy car.com is one of the most usefull online sites on the net...easy way.com is a online car hire specialist and its one of the leading international car rental brokers worldwide. car hire spain of car is a powerful network with a source of 2400 that the place of hiring of car in approximately 64 countries provides a series of to the starting range of vehicles of superb-minis and compact cars with the luxurious cars with all the comformt facilty the needs for customer.

the hiring of car of airportoffers of Malaga of hiring of car, the hiring of van, cars of prestige, transfers of airport and the villa of holidays. these things are provided per many sites but the airport ofcar of Malaga of hiring of the most important aspect that it provides to these things the low cost and manner that others do not make do.

the airport of Malaga of hiring of car more effective than others in is cost and the comfort compared with others. when the travel blog loggen in information must be provided about the voyage which is the distance, the places, the cars etc.drive your manner comfortably with money of Malaga airport.save of hiring of car and appreciate your wil comfortably cars of drive. that is to say equipped as wish with U of all comfort need has. have a sure order of american national standard of wonderfull.

the mechanical approach

2009-07-24T09:04:00.000-07:00

Basically of the aspect of the mechanical approach, all the network computer is world has a true of the same function although it there has difference between the hard networks and cables Wifi of network, but it is the low idea connecting two computers or more to allow together them can communicate.
The medical examination of prolongation of between computers is by Ethernet using 5 category or cat 5, cable and jack RJ 45 in the circuit upwards. The cable then will take a step in left Ethernet with the computer or the waiter. This physical prolongation connected 2 computers. If we like with the joints a certain computer another we let us use the so-called peripheral router. The router has some left prolongations allotted to by another computer having the medical examination in the circuit with the router, so that the computer having the same bond can now speak. It is one of the low concept of visualizations of the million network in the world. The router will make the internal network which will give the IP of address to the Web of the world handles hereafter all the communications with the external world for the internal network which will increase the number of computer which there is in Web of the world and protects all the computer because the router handles all the communications.
Computer which in the circuit requires the language which in the computer of limit called like protocol. Most generally applied in this network of protocol is the TCP/IP amalgamating of the protocol two to differ while working narrowly and explains how the file forwarded between two computer and is interaction between both.
It is only elementary network which will give the network of arrangement how to work.

http://www.articlecity.info/Understanding-how-networks-work-on-a-basic-level/

business web directory

2009-07-15T05:24:00.001-07:00

we all let us know that the site is the most effective medium to support our product of company. during one in the manners of supporting your site is required with the directories of Web. The directory of Web is a collection of Web sites by category.

The directory of Web is a Search Engine. Thus a directory of Web contains bonds with third Web sites. What are the bonds are in the categories and the subcategories. A directory of Web is the occasion for owners of the Web sites of going directly to their Web site in this directory.

There is thus much web directory on the Internet, some of them have broad very and include many categories and subcategories. And there is also a directory, in particular concerning the range of small, usually on the basis of category. Here a directory of Web should be a test:

JasmineDirectory.com to offer to the 3rd first is the business web directory, much was made recently on the advantages with the directories of Web. The second is specific research, like the lifestyle of today, finding that the hour to look at corresponding information can be long. In the third place is the writers known to make sure that you have reliable access to current and reliable information.

How To get high page rank and traffic ???

2009-07-15T05:05:00.000-07:00

To get high page rank and traffic we need much backlink from the other web. You can use web articles to get that. With submit articles to directories will help you to get faster.

Just submit your articles in web-articles.info. They allow only high quality articles. All tutorials and articles are categorized into various topics. There are various useful topics such as health, entertainment, business, education, and the other more. If you want to search article, just write your keyword and get what you need.

I think this is best way to internet marketing, with submit your articles. Get a free article resource site where you can find almost any article under various amounts of topics under the sun. Visit web-articles.info to know more. Thank you

make money blogging with PayingPost.Com

2009-07-14T07:39:00.000-07:00

Did U now what is payingpost? PayingPost is advertise on blogs by the why payingpost is like payperpost? hehehe, look at the name of this site is similar the alias is not far different with payperpost, the site and the script they used is same. but different in a face. But payingpost.blog is easier approval more than payperpost. to register is payperpost you mush have at least PR3 and the content that get a unique and original new can accept, payingpost enough with a good alexa rank and u can can follow-up to earn money blogging.

if you have a lot of blog, payingpost is one alternative to make a good income from paid reviews. and the payment from PayingPost without reduction. but the problem from payingpost is you much have made their own arrangements to pay the publishernya your earning must be a minimum of $ 100 and Paying
post can pay your reviews.

Hopefully tomorrow a got a lot of job other than their own payingpost, and I can get paid from PayingPost. To make make money blogging with paid reviews from PayingPost you just follow-up post directly click here.

Make money with Payingpost.Com

2009-07-13T08:02:00.000-07:00

Do you want to earn money with blogging, that payingpost.com is the best blog advertising so that you earn money with blogs and the writing of indication some reviews about some sites. Bloggers can easily earn money with blogging. Payingpost.com provides us the platform to write the blog and the bloggers paid for reviews of writing.
Go simply threw the site and records your individual as Blogger which subject your blog, on which you work or announce. Place the code given by Payingpost.com and of the reviews of writing of beginning. Bloggers can place the range of the quantity to become paid with blogging. Blogger can place $2 to $20 quantities for indication. Also some other owners of Web site also come into contact to write some reviews paid for their sites.

There is a good number of sites available on the Internet which provides much more options and manners of earning the money of the house, earn money of 24 hours, but nobody gave to review about those the site, which how they are effective. But Payingpost.com is very effective and pays per hour, thus we do not need to worry us about the payment of Payingpost.com. So don’t waste your time, start blogging and get paid to post.

The advertisers can also record them individual and can advertise on blog which is recorded under payingpost.com

GET free web directory and making Money

2009-07-12T02:31:00.000-07:00

The row of Search Engine is the most important factor compared with any other Search Engine of google of row particularly. It is important to obtain the higher row in our place in SERP or we could lose with our competitors. Obtaining the main thing 3 lining up for any word scanned for in the Search Engine of google is not an easy task. This is why, the majority of the experts as regards SEO friendly web directory charge with the thousands of dollars offering this service without promises to obtain on the first spot.

The analysis of row of Search Engine will help you to obtain in the higher position for any key word aimed in your place. For this, you must make use of the external tool of key word of Adword. For example, if you seek the row of Search Engine, you will obtain 95.000 average research in month. Reduce the screen at the end from the page where you will see research minimum or Not-given. Choose this key word and start to write an article or a post of blog about it sprinkling key word 1 - 3 times in 200 - 300 words of article.

Then, made a certain building of business web directory using the key word aimed as a your name in the section comments binding to the post of blog (anchored key word) in blogs of dofollow. It will be better if the page comment on you have P.R. Surveillez your row with google for the key word aiming you. In my case, I tested with the analysis of row of Search Engine. I am sure that it will be in the higher spot soon because not much will compete with for the low key word of volume of research. If you able to do this in long life, I are sure you can have to thousands of visitors each day of the Search Engine of google.

Now, I indicated a secrecy of obtaining to supplement the row in the Search Engine of google in the time of the 2 or 3 days.

Have fun and I hope you MAKE A LOT OF MONEY blogging

2009-07-08T11:32:00.001-07:00

Do you have need for money additional? . If so, you can be a good candidate for not a loan by sending the day of wages of fax. The ready payday or the advances is convenient, and the perfect solution when you have need for money additional cash. While some people are hesitant to secure a fast personal loan, there is no reason to have shame. We all feel financial recessions.
Whether you want a UNSECURED LOANS* you can use on demand, a lump sum for that dream vacation, or home improvements. We have lending products to meets your needs.

Personal Loan SpecialistThe 'Unsecured Personal Loan' offers fixed interest rates as low as 8.49% APR.*

Always, the loans in front of the day of wages are salutary to secure a fast loan for some hundred dollars. In the majority of the cases you can secure a Loan amounts $7,500.00 to $200,000.00. Some companies offer loans up to $ `1500. and
*Current best personal loan interest rates*
*Low affordable monthly payments
*Flexible mpnthly repayment terms
*Confidential and Secure Application Process
*Online applications available in all 50 states

Personal Loan SpecialistThe 'Secured Personal Loan' offers fixed/adjustable interest rates starting as low as 7.25% APR.* is more convenient than receiving a loan of an institution financier such as a bank. For starters, the process of the bank credit is prolonged. Moreover, of the banks are required to review your credit. Moreover, you need guarantee to secure a personal loan. With the payday anticipated of loans, loans are not guaranteed and do not require any control of credit.

The process to Unsecured Personal Loans*

By obtaining an advance not sending stripe by fax becomes popular. The honourable work of various lenders in advance on line. To begin the process of the loan, you subject simply a real-time of application program for the store. Answer all the required questions, and include suitable information such as the use, the income, the information of bank account, etc.

Some companies on line require anticipated you to send by fax in the documents. Those can include a copy of your driver 'licence of S, stubs of wages, etc. With a personal loan faxless, no send is required. However, the company will check all information. When your application is approved, the company will carry out the funds of advance deposit in your bank account.

Conditions to obtain an advance of day of wages

Although the loan by sending the payday of fax does not order any credit, you must answer certain criteria. For example, you must have a verifiable account running, and are at least 18 years old. Moreover, some companies need a monthly income at least of $ 1000. Before the signature and be appropriate on a Personal Loan*, read the document carefully. Include/understand the rate, the fees and the maturity of interest. Moreover, do not transfer on the loan. The consequences include the gained interest and the fees in the arrears.

get the wraps of the towel mint

2009-07-04T12:37:00.000-07:00

Most of us love to collect and to buy gifts for our kids, friends and relatives. We considered this as our hobbies are collecting various kinds of products of high quality. 'm One of them and bought coats cones Cavichi nap mats, monogrammed glasses cones and more.

Well, if you are looking for the mat of the cheapest nap COM point of the lane is the best bunch of Internet websites. Take a look of various designs personalized children's plates, it 's beautiful and affordable. You can select the best styles to suit your needs.

Oh also offer the wraps of the towel mint, ezy roller, totalizators lunch, snack squares, duffle bags, laundry bags, baby blankets, personalized sippy cups, plates, custom cloth blankets Thick and soft, personalized mugs, personalized stamps, ink and much more. He 's most popular gifts for not only the family but also their friends.

If you are interested to buy, just check out the website and order it online.

Get cheap iphones wholesale here

2009-07-03T13:03:00.000-07:00

Devices surprised the fence from us. Are products of today of 'technologies of the S. huge. iPod y excitación del iPhone. la venta al por mayor del iPhone es un buen dispositivo para la gente que va siempre. Most among us can not live without them as the most portable devices, mobile phones, the PSP, the ipods wholesale and excitement of the iPhone. iphone wholesale is a good device for people who will always. It is not only a mobile phone but also the Internet-connected multimedia touch with Sreeni far. The Time magazine called him like the invention of the year in 2007. Launched by the last July 11, 2008 iPhone 3G. 3GS iPhone was finally announced on June 8, 2009 and will be released on June 19. If you want to harm the iPhone this detail, an expert of the company in regard to the distribution of detail and one of the best suppliers of iphones wholesale and other consumable materials electronically on the Internet. If you want the increase, it can be good deals for them also gives some discounts for purchases of iPhones. For customers of the iPhone about to send is selected distributors. I can't wait for this duty.

HomeLoanModification

2009-07-03T12:43:00.001-07:00

The position of the HomeLoanModification this can learn all these things about what is going on. There are 6 tabs on this site because of the loan mods, FAQ, fraud, Home Page and so on. if the user clicking the call of the loan mods of couplings can then as many plants and the modification of the loan to modify the loan. The Home Loan Modification Company also offers consultations in the modification of the loan. If you are interested to acquire consulting with them, you simply terminates the form completely and submit it. of useful ways of providing the two purposes and two to the list of Hipotecario are provided in our change of the. The process is simply a period of 10 minutes, pre-evaluated its use of e learning their status. Download your mortgage payments are ready to provide useful tips and ways to modify our mortgage loans. This is very useful to many unknowing people. Why is not having enough knowledge about the loan and the loan modification.Stop Foreclosure of a mortgage site is a portal that of changes in the mortgage loan, showing the execution of a mortgage and Stop of the modification of the mortgage immediately before that time you lost in the useless information and get a very important and full of loan accordance with the desired signal at this time quickly.

How to Get free credit report

2009-07-03T10:18:00.000-07:00

People if you are in waiting to know the free report/ratio of credit, please control this site to Get free credit report in this site which you will end up knowing the report/ratio and the points of free credit. It is certainly the best site to know the free report/ratio of credit. There can be much sites in the fir tree of Internet this goal, but no site will provide the free credit like this site. You will finish by also knowing to raise points of credit, debt dream freely, smart refinancing, obtaining a mortgage, directives of purchase of car, protecting yourselves from the flight from identity and much more. To know more about this site, visit this site please to Get credit report online in the formation on the way in which to read your report/ratio of credit, how to obtain a copy of your report/ratio of individual free credit and much more are made available in this site. Also try to visit this site How to reduce credit card interest for more information.

Get Free credit report

2009-07-02T01:12:00.000-07:00

People if you are in waiting to know the free report/ratio of credit, please order this site to Get Free credit report in this site which you will finish knowing to the top the report/ratio of report/ratio and the points of the free Credit report. It is certainly the best site to know the free report/ratio of credit. There can be much sites in the tree of fir tree of the Internet this goal, but no site will grant the free credit like this site. You will finish while also knowing to raise points of credit, dreams of debt freely, smart refinancing, obtaining a mortgage, directives of the purchase of the car, protecting yourselves from the flight from the identity and much moreover. To know more about this site, visit this site please to finish by the report/ratio of credit on line in the formation on the way of which to read your report/ratio of credit, how to obtain a copy of your report/ratio of individual free credit and much more are made available in this site Also try to visit this site How to reduce credit card interest for more information.

Have fun and I hope you make a lot of Money blogging

2009-07-01T10:15:00.000-07:00

if you need cash to cover your expenses that are too large. unsecured personal loans will provide it. afsunsecuredonline is a cash loan company which is engaged in the field. why? because afsunsecuredonline intend to provide help to you. afsunsecuredonline provide short-term loan to you. to meet and cover your monthly expenses.
afsunsecuredonline have some requirements you must meet in order to be able to give
unsecured personal loans to you.

requirements you must meet include:
- You are already a citizen for over 18 years.
- You have accounts at local banks
- You still have a monthly income

if you already meet the requirements above then you can apply to get the cash you need.
when you are in need of money quickly, then immediately join the afs unsecured online.
we very fast, easy -unsecured loans
afsunsecuredonline'll always keep your transaction information, as it truly personal. other people will not do you use the services afsunsecuredonline to cover your expenses exceed the limit. afsunsecuredonline give you the loan interest is relatively small. because afsunsecuredonline intend to help you. if you are confused to get cast loan, let's join with afsunsecuredonline.

See you in my another articles. i hope you enjoy. and in other time please coming here again. thank's
and have a nice day's

unsecured personal loans

2009-06-10T11:39:00.000-07:00

If your history of credit is the bad one deliberated as we inform to ask for a loan, there were the small lenders who will work with us to fix a loan without guarantee. However, with an unsecured loans, a volume that we steal will be low, as a lender will initial must see only how much bad your credit is before creation a preference on a quantity of waiting.

There was an integration of the reasons because it is a great thought to require for an unsecured personal loans if your credit is poor. Is the initial one what we can require for a loan of which we need. In the second place, by payments of creation over time, your measurement of credit will go up. When your measurement of credit goes up, we turn the reduction of a credit risk. To ask in the order for a loan without guarantee of bad credit, we possibility are eighteen years, are with a continuation during the lightest 3 months as have the great compensations to take notes on your reputations for solvency during the lightest 6 months. The rate of seductiveness would count on the way in which the majority steal us as one duration we conceive to compensate for it behind more.

unsecured personal loans were large for an integration of the reasons. Initially, we have an event to ask for a loan which we have need. Secondly, by invariable payments of creation on your loan, we proceed to correct your proof of measurement of credit to all the monetary lenders of destiny which we had not posed a risk with them. To ask in the order for a loan without guarantee of bad credit, we competence are eighteen years, are with a continuation during the lightest 3 months as have the great compensations to take notes on your reputation for solvency during the lightest 6 months. The rate of seductiveness would count on the way in which the majority steal us as one duration we conceive to compensate for it behind more.

Natural disasters and emergencies

2009-02-07T21:24:00.000-08:00

Natural disasters and emergencies may happen at any time. Even a burst pipe can spell disaster for a home-based business. Planning for disasters in advance and keeping those plans updated may help ensure the survival of your business. The following resources will help you plan for emergencies and natural disasters, and recover your business after a disaster strikes.

Before an Emergency

Small Business Disaster Preparedness Guide
The U.S. Small Business Administration (SBA) provides various types of loans for businesses of all sizes and homeowners and renters in the event of a disaster, including physical disaster loans, economic injury loans, military reservists' loans and home and personal property loans. This guide reviews how to prepare for a disaster and the process of applying for assistance. Includes contact information for SBA field offices, customer service centers.
Ready.gov Business
Common sense measures business owners and managers can take to prepare their business in the event of a national emergency or disaster.
Standard Checklist Criteria for Business Recovery
This FEMA checklist will help you create a business recovery manual for your business.
Emergency Management Guide for Business and Industry.
This FEMA guide provides step-by-step advice on how to create and maintain a comprehensive emergency management program.
Protect Your Business from Disaster
This FEMA guide provides extensive information on how to protect your property from natural disasters.

After an Emergency

Economic Injury Disaster Loans for Small Businesses
If your small business has suffered substantial economic injury, regardless of physical damage, and is located in a declared disaster area, you may be eligible for financial assistance from the U.S. Small Business Administration.
How Do You Apply for an SBA Disaster Loan?
The SBA provides a step-by-step guide to applying for disaster relief, if you are in a declared disaster area and have suffered any disaster-related damage.
National Flood Insurance Program
Information for the insurance professionals, including claims adjustors and lenders.

Management Tips

If you aren't sure whether your business is at risk from disasters caused by natural hazards, check with your local city engineering offices, Red Cross chapter, or planning and zoning administration. They can tell you whether you are in an area where hurricanes, floods, earthquakes, wildfires, or tornadoes are likely to occur.
Talk to your local insurance agent to make sure your business is covered for fire, theft, personal injury (yourself and your clients), and liability.
Create a plan in advance for dealing with an emergency and keep the plan updated. Know what business records will need to be preserved and what you will need to bring your business back.
Consider off-site storage for important business records and documentation. A contractor kept all his records in a fireproof safe in his office. The offices were gutted in a fire. When the safe was opened, everything inside had melted, due to the extreme heat.

Carlsberg launched Web-TV

2008-11-26T05:47:00.000-08:00

Carlsberg launched Web-TV was the site about the television program terhubung with football and funny other the agenda that will make you laugh happy and baffled also has Partofthegame.tv suggested that the program agenda from football that was classic to that modern Study group scheme flourishingThe UEFA Study Group Scheme, which heralds a new the era in football technical Co-operation across Europe Belajar the scheme group of flourishingThe UEFA Kelompok Belajar Skema, that heralds the new era in technical skill football the co-operation all over the Eropa Here continent in web the tv could also put forward the agenda in an online manner Along With in web the tv could also raise the agenda in online by means of that was very interesting.

www.partofthegame.tv

Great Eyeglasses For Less

2008-11-05T04:40:00.000-08:00

Are you looking for stylish glasses prescription? If you search on the Internet. You'll find sale of the stock of many lenses him. Now, the question that is convenient for you? and also on what guarantee customer satisfaction. In order you will not regret the next day, here the producer zennioptical.com confident of the lenses. Great Eyeglasses For Less, the affordable price from $ 8 in the high-quality style. Zenni Optical was on FOX news!, the client gives much appreciation for them. The product Zenni Optical can be easily be increased. Variable Dimension Frames From Zenni quite varied. Please find more comprehensive information on zenni optic Zenni on the Fox of your self.

Privacy and Security

2008-07-30T11:46:00.001-07:00

Most businesses collect and retain sensitive personal information from their customers and employees such as names, addresses, social security numbers, credit card numbers and other account numbers. Protecting personal information not only makes good business sense, it can also help you avoid legal problems. Depending on the type of data you are collecting, and who you are collecting it from, you may be subject to federal and state privacy laws. This guide explains which privacy laws apply to your business and how to comply with them.

Understanding Privacy Laws
Learn how the Federal Trade Commission enforces companies' privacy policies about how they collect, use and secure consumers' personal information.
Identity Theft - Business Owner's Responsibilities
Learn how to protect your customers' personal information against identity theft, and your responsibilities when one of your customers becomes an identity theft victim.
Using Consumer Credit Reports
If your businesses uses credit reports to extend credit to your customers, there are rules and regulations you must follow to ensure privacy of credit information.
Privacy Rules for Financial Companies
From national banks to local mortgage lenders, any business that handles personal financial information must comply with the Gramm-Leach-Bliley (GLB) Act.
Children's Online Privacy
Learn how the Children's Online Privacy Protection Act requires businesses to follow specific rules and regulations when collecting online data from children.
Computer and Information Security
Find out how to not only protect your company's computer systems, but the sensitive information contained in them.

Business Licenses and Permits

2008-07-30T11:45:00.001-07:00

Every business needs one or more federal, state or local licenses or permits to operate. Licenses can range from a basic operating license to very specific permits, (e.g., environmental permits).

Regulations vary by industry, state and locality, so it's very important to understand the licensing rules where your business is located. Not complying with licensing and permitting regulations can lead to expensive fines and put your business at serious risk.

How to Get Licenses and Permits

Business.gov's Permit Me tool allows you to get a listing of federal, state and local permits, licenses, and registrations you?ll need to run a business.

In the search box below, type in the location of your business, and choose from a list of common small business types. Click "Search" and you'll get a results page showing federal, state and local licenses you'll need along with links to web pages, application forms and instructions. For local permits, links to local government websites and contact information are provided.

If your type of business is not listed, select "General Licensing" and follow the links to your state and local licensing agencies to find licensing requirements for your specific businesses.

Find Licenses and Permits

Federal Licenses and Permits

If your business is involved in activities supervised and regulated by a federal agency, you may need to obtain a federal license.

State Licenses and Permits

Many types of businesses need to obtain some type of business or professional/occupational license or permit from a state government. Choose a state to find out about specific license and permit requirements in the state where your business is located.

State Business License Offices

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
District of Columbia
Florida
Georgia
Guam
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas

Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
New York
North Carolina
North Dakota

Ohio
Oklahoma
Oregon
Pennsylvania
Puerto Rico
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
U.S. Virgin Islands
Utah
Vermont
Virginia
Washington
West Virginia
Wisconsin
Wyoming

Tips for Maintaining Your Business License

When signing up for a license, permit or registration, keep track of those that need to be renewed on a regular basis and keep a calendar of renewal dates.
Maintain a copy of all licensing applications and forms in your business records.
Make sure you follow rules for displaying your licenses or permits. Most states and localities require business to prominently display their business licenses so customers can see them.
If you are thinking of expanding your business, whether it be expanding your building or launching a new product or service, you may need additional business licenses.

Guides to Laws & Regulations for Specific Industries

2008-07-30T11:44:00.001-07:00

Some industries are more highly regulated than others. These businesses not only need to deal with the typical regulations affecting businesses such as employment laws, workplace safety, etc., but they also need to know regulations specifically pertaining to their industry. The following guides provide links to resources to help businesses comply with laws and regulations that apply to that industry.

Regulated Industries

Aerospace & Defense
Agriculture
Automotive
Chemicals
Construction & Facilities
Consumer Goods & Services

Energy
Financial Services
Firearms & Explosives
Food & Beverage
Health Care
Housing & Real Estate

Industrial Goods & Services
Mining & Drilling
Pharmaceuticals & Biotechnology
Printing & Publishing
Telecommunications & Media
Transportation & Logistics

Small Business Taxes

2008-07-30T11:43:00.001-07:00

Tax Deductions for Energy Efficiency

Did you know that you can deduct costs spent on energy efficient upgrades made to your facilities?

Learn more about these federal tax deductions
Find info about state tax incentives
Calculate savings from making energy efficient upgrades

Tax Topics

Employer and Tax Identification Numbers
Business Income Taxes and Tax Deductions
Employment Taxes
Filing and Paying Your Taxes
Managing Your Taxes
Collecting Sales Taxes Over the Internet
State Tax Requirements and Forms
Tax Help and Training
Tax Info for Specific Business Types

Tax Resources

To help business owners stay abreast of tax requirements, the U.S. Internal Revenue Service (IRS) has provided the following key resources for start-ups, self-employed individuals and other small business owners.

Small Business and Self-Employed One-Stop
One-stop resource for all small business tax forms, resources and assistance.
Starting a Business and Keeping Records
This guide clearly explains basic fedeal tax and recordkeeping requirements.
Starting, Operating and Closing a Business
This guide provides more in-depth tax information to business owners at different phases of ownership. It also provides information to assist in making basic business decisions.

Tax Publications

Small Business Products Online Ordering
Looking for a tool to help you meet your tax requirements? The IRS offers a number free products, developed especially for the small business and self-employed person.
Tax Publications for Business
List of tax publications and guides that help businesses submit required federal tax forms.
Plain Language Guides to Tax Regulations
List of tax regulations issued since August 1, 1995, with references to plain language summaries where available. This list also provides a way to comment on regulations with an open comment period.
Tax Treaties
Tax treaties may allow residents of foreign countries to be taxed at a reduced rate, or to be exempt from U.S. income taxes on certain items of income they receive from sources within the United States.

Workplace Safety and Health

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Employers are responsible for protecting the safety and health of their employees. Over the last several decades, laws have been passed to ensure workers are protected from hazards in the workplace such as the Occupational Safety and Health Act of 1970, the Mine Safety and Health Act of 1977, and the Fair Labor Standards Act, which covers rules concerning the employment of young workers.

This guide provides information that helps businesses comply with the Occupational Safety and Health Act of 1970. For information on complying with the Mine Safety and Health Act, visit the Mining and Drilling Industry Guide; and for information on complying with child labor laws, visit the Child Labor Law Guide.

Under the provisions of the Occupational Safety and Health Act of 1970, as the employer, you must provide a workplace free from recognized hazards that are causing, or are likely to cause, death or serious physical harm to your employees regardless of the size of your business. The Occupational Safety and Health Administration (OSHA) was established to create standards and regulations that implement the Act.

As an employer, you must comply with OSHA standards and regulations. The following OSHA resources will help you understand requirements that apply to your business and how to comply.

For Small Businesses

OSHA Guidance for Small Businesses
A user-friendly web portal designed to help small businesses understand and comply with the Occupational Safety and Health Act.
OSHA's Small Business Handbook
This handbook helps small business employers meet the legal requirements imposed by the Occupational Safety and Health Act of 1970 (the Act), and achieve an in-compliance status before an OSHA inspection.
Workplace Poster Requirements for Small Businesses and Other Employees
Find electronic copies of the required workplace posters by the U.S. Dept. of Labor.

OSHA Tools and Resources

OSHA Compliance Assistance Guide
A user-friendly web portal designed to help members of the regulated community understand and comply with the Occupational Safety and Health Act.
OSHA Fact Sheets
These fact sheets provide basic information on a variety of safety and health topics.
OSHA Frequent Asked Questions
The Occupational Safety and Health Administration maintains a list of frequently asked questions.
OSHA Publications and Posters
Order OSHA compliance assistance publications and required workplace posters online.
OSHA Safety and Health Guides
This site is a gateway to specific compliance information on various safety and health issues (e.g., ergonomics, hazard communication, bloodborne pathogens, asbestos, and workplace violence).
Site Specific Health and Safety Plan : Hazardous Waste
This Interactive Expert Hazard Awareness Advisor is a computer software to help employers (especially, small businesses) identify and understand common occupational safety and health hazards risks in their hazardous waste workplace(s).

Whistleblower Protection

OSHA Whistleblower Program
Provides information on rights for employees and representatives of employees under the whistleblower program.
Whistleblower and Non-Retaliation Protections
The Occupational Safety and Health Act (OSH Act) and a number of other laws protect workers against retaliation for complaining to their employers, unions, or government agencies about unsafe or unhealthful conditions in the workplace, environmental problems, certain public safety hazards, and certain violations of federal provisions concerning securities fraud, as well as for engaging in other related protected activities.

General Workplace Safety Information

Safety and Health in the Workplace
An overview of the three U.S. labor laws protecting the safety and health of workers in America: The Occupational Safety and Health Act; the Mine Safety and Health Act; and the child labor laws under the Fair Labor Standards Act.

Online Business

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Setting up your business on the Internet can be a lucrative way to attract customers, expand your market and increase sales. For the most part, the steps to starting an online business are the same as starting any business. However, doing business online comes with additional legal and financial considerations, particularly in the areas of privacy, security, copyright, and taxation.

Rules and regulations for conducting e-commerce apply mainly to online retailers and other business that perform consumer transactions by collecting customer data. However, even if you do not sell anything online, laws covering digital rights and online advertising may still apply to you.

The Federal Trade Commission (FTC) is the primary federal agency regulating e-commerce activities, including use of commercial e-mails, online advertising and consumer privacy. FTC's E-Commerce Guide provides an overview of e-commerce rules and regulations.

The following topics provide further information on how to comply with laws and regulations related to e-commerce.

Protecting Your Customers' Privacy
Learn the necessary steps you should take to protect your customers from identity theft and other misuses of their personal information. Any business that collects personal or financial data either through online sales, credit reports or applications should understand these rules and regulations.
Collecting Sales Tax Over the Internet
Information for online retailers on the rules and regulations for collecting sales and use taxes from your customers.
Selling Internationally / Exporting
The Web has allowed a greater number of retailers to participate in the global economy. However, if you are going to ship your products overseas, you need to be familiar with some basic exporting rules and regulations.
Online Advertising and Marketing
If you own an online store or buy ads on the Internet, you should be aware of the rules and regulations that ensure online advertising is fair and truthful.
Digital Rights / Copyright
All online retailers and information services should understand basic rules of copyright when conducting business online.

Small Business Finance

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A solid understanding of your business' finances is essential to your success. Use the links below to learn about small business finance issues, including getting small business loans, managing your finances, extending credit, and insuring your business.

Financing Your Business

Small Business Financing - Grants, Loans, Venture Capital
Find information about getting financial assistance for a new or expanding business, including loans, grants, and venture capital.

Managing Your Finances

Managing Business Finances
Learn about managing your business' financial matters, including getting lines of credit and accepting forms of payment from your customers.
Securities and Financial Reporting
Explains government regulations regarding the sale of securities and financial reporting requirements for publicly traded companies.

Insuring Your Business

Business Insurance
Learn about the various types business insurance available to small business owners, as well as legal requirements for employers. Includes links to insurance resources from your state government.
Disaster and Emergency Preparedness
Learn about disaster loan, insurance and other assistance programs available to small businesses before and after a disaster strikes.

Business

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From Wikipedia, the free encyclopedia

Jump to: navigation, search

For other uses, see Business (disambiguation) and The Business (disambiguation).

Business and economics portal

Companies law

Company · Business
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United States:
S corporation · C corporation LLC · LLLP · Series LLC Delaware corporation Nevada corporation Business trust
UK/Ireland/Commonwealth:
Limited company (By shares · By guarantee) (Public · Proprietary) Community interest company
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SE · SCE · SPE
Other countries:
AB · AG · ANS · A/S · AS · GmbH
K.K. · N.V. · OY · S.A. · Full list
Doctrines
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Piercing the corporate veil
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Related areas of law
Contract · Civil procedure

A business (also called firm or an enterprise) is a legally recognized organizational entity designed to provide goods and/or services to consumers or corporate entities such as governments, charities or other businesses. Businesses are predominant in capitalist economies, most being privately owned and formed to earn profit to increase the wealth of owners. The owners and operators of a business have as one of their main objectives the receipt or generation of a financial return in exchange for work and acceptance of risk. Notable exceptions include cooperative businesses and state-owned enterprises. Socialistic systems involve either government, public, or worker ownership of most sizable businesses.

The etymology of "business" relates to the state of being busy either as an individual or society as a whole, doing commercially viable and profitable work. The term "business" has at least three usages, depending on the scope — the singular usage (above) to mean a particular company or corporation, the generalized usage to refer to a particular market sector, such as "the music business" and compound forms such as agribusiness, or the broadest meaning to include all activity by the community of suppliers of goods and services. However, the exact definition of business, like much else in the philosophy of business, is a matter of debate.

Business Studies, the study of the management of individuals to maintain collective productivity in order to accomplish particular creative and productive goals (usually to generate profit), is taught as an academic subject in many schools.

[hide]

1 Basic forms of ownership
2 Classifications
3 Organization
4 Management
5 Government regulation
- 5.1 Organizing a business
- 5.2 Commercial law
- 5.3 Capital
- 5.4 Intellectual property
- 5.5 Exit plans
6 See also
7 External links
- 7.1 General
8 Notes and references

Basic forms of ownership

Although forms of business ownership vary by jurisdiction, there are several common forms:

Sole proprietorship: A sole proprietorship is a business owned by one person. The owner may operate on his or her own or may employ others. The owner of the business has total and unlimited personal liability of the debts incurred by the business.

Partnership: A partnership is a form of business in which two or more people operate for the common goal of making profit. Each partner has total and unlimited personal liability of the debts incurred by the partnership. There are three typical classifications of partnerships: general partnerships, limited partnerships, and limited liability partnerships.

Corporation: A business corporation is a for-profit, limited liability entity that has a separate legal personality from its members. A corporation is owned by multiple shareholders and is overseen by a board of directors, which hires the business's managerial staff.

Cooperative: Often referred to as a "co-op business" or "co-op", a cooperative is a for-profit, limited liability entity that differs from a corporation in that it has members, as opposed to shareholders, who share decision-making authority. Cooperatives are typically classified as either consumer cooperatives or worker cooperatives. Cooperatives are fundamental to the ideology of economic democracy.

For a country-by-country listing of legally recognized business forms, see Types of business entity.

Classifications

Wall Street, Manhattan is the location of the New York Stock Exchange and is often used as a symbol for the world of business.^{[citation needed]}

There are many types of businesses, and, as a result, businesses are classified in many ways. One of the most common focuses on the primary profit-generating activities of a business:

Manufacturers produce products, from raw materials or component parts, which they then sell at a profit. Companies that make physical goods, such as cars or pipes, are considered manufacturers.
Service businesses offer intangible goods or services and typically generate a profit by charging for labor or other services provided to government, other businesses or consumers. Organizations ranging from house decorators to consulting firms to restaurants and even to entertainers are types of service businesses.
Retailers and Distributors act as middle-men in getting goods produced by manufacturers to the intended consumer, generating a profit as a result of providing sales or distribution services. Most consumer-oriented stores and catalogue companies are distributors or retailers. See also: Franchising
Agriculture and mining businesses are concerned with the production of raw material, such as plants or minerals.
Financial businesses include banks and other companies that generate profit through investment and management of capital.
Information businesses generate profits primarily from the resale of intellectual property and include movie studios, publishers and packaged software companies.
Utilities produce public services, such as heat, electricity, or sewage treatment, and are usually government chartered.
Real estate businesses generate profit from the selling, renting, and development of properties, homes, and buildings.
Transportation businesses deliver goods and individuals from location to location, generating a profit on the transportation costs

There are many other divisions and subdivisions of businesses. The authoritative list of business types for North America is generally considered to be the North American Industry Classification System, or NAICS. The equivalent European Union list is the NACE.

Organization

This section does not cite any references or sources.
Please help improve this section by adding citations to reliable sources. Unverifiable material may be challenged and removed. (March 2008)

Most businesses must accomplish similar functions regardless of size, legal structure or industry. These functions are often organized into departments. Common departments include (but are not limited to):

Human Resources

Typically responsible for hiring, firing, payroll, benefits, etc.

Finance

responsible for managing the enterprises financial resources^[1]

Budgeting and forecasting: planning how the enterprise wants things to happen
Cash and treasury management: ensuring the enterprise has money when it's needed
Accounts payable and receivable: ensuring the enterprise receives what it's owed and pay what it owes
Tax planning/filing and reporting: meeting obligations to the government
Risk management: ensuring the enterprise doesn't get surprised by something unfavorable
External and internal (management) reporting: providing visibility into the enterprise for those who need it through financial reporting and other types of reporting

Marketing and sales

responsible for selling the business' goods or services to the customer and for managing the relationships with the customer

Marketing: Typically responsible for promoting interest in, and generating demand for, the business' products or services, and positioning them within the market
Sales: finding likely purchasers and obtaining their agreement (known as a contract) to buy the business' products or services

Operations

makes the product or delivers the service

Production: produces the raw materials into the delivered goods, if they require processing
Customer service: supports customers who need help with the goods or services

Procurement

responsible for acquiring the goods and services necessary for the business. Sometimes organized as:

Strategic sourcing: determines the business' needs and plans for acquiring the necessary raw materials and services for the business
Purchasing: processes the purchase orders and related transactions

Research and Development: tests to create new products and to determine their viability (e.g. pilot plants)
Information Technology: manages the business' computer and data assets
Communications/Public Relations: responsible for communicating to the outside world
Administration: provides administrative support to the other departments (such as typing, filing, etc.)
Internal Audit: an independent control function typically accountable to the Board of Directors for reporting on the proper functioning of the other departments

Management is sometimes listed as a "department" but typically refers to the top level of leadership within the business regardless of their functional role.

Management

Please help improve this section by expanding it. Further information might be found on the talk page or at requests for expansion. (August 2007)

The study of the efficient and effective operation of a business is called management. The main branches of management are financial management, marketing management, human resource management, strategic management, production management, service management, information technology management, and business intelligence.

[edit] Government regulation

This section may require cleanup to meet Wikipedia's quality standards.
Please improve this article if you can. (August 2007)

The examples and perspective in this article or section may not represent a worldwide view of the subject.
Please improve this article or discuss the issue on the talk page.

The Bank of England in Threadneedle Street, London, England.

Most legal jurisdictions specify the forms of ownership that a business can take, creating a body of commercial law for each type.

Organizing a business

The major factors affecting how a business is organized are usually:

The size and scope of the business, and its anticipated management and ownership. Generally a smaller business is more flexible, while larger businesses, or those with wider ownership or more formal structures, will usually tend to be organized as partnerships or (more commonly) corporations. In addition a business which wishes to raise money on a stock market or to be owned by a wide range of people will often be required to adopt a specific legal form to do so.
The sector and country. Private profit making businesses are different from government owned bodies. In some countries, certain businesses are legally obliged to be organized certain ways.
Limited liability. Corporations, limited liability partnerships, and other specific types of business organizations protect their owners from business failure by doing business under a separate legal entity with certain legal protections. In contrast, unincorporated businesses or persons working on their own are usually not so protected.
Tax advantages. Different structures are treated differently in tax law, and may have advantages for this reason.
Disclosure and compliance requirements. Different business structures may be required to make more or less information public (or reported to relevant authorities), and may be bound to comply with different rules and regulations.

Many businesses are operated through a separate entity such as a corporation, limited partnership or limited liability company. Most legal jurisdictions allow people to organize such an entity by filing certain charter documents with the relevant Secretary of State or equivalent and complying with certain other ongoing obligations. The relationships and legal rights of shareholders, limited partners, or members are governed partly by the charter documents and partly by the law of the jurisdiction where the entity is organized. Generally speaking, shareholders in a corporation, limited partners in a limited partnership, and members in a limited liability company are shielded from personal liability for the debts and obligations of the entity, which is legally treated as a separate "person." This means that unless there is misconduct, the owner's own possessions are strongly protected in law, if the business does not succeed.

Where two or more individuals own a business together but have failed to organize a more specialized form of vehicle, they will be treated as a general partnership. The terms of a partnership are partly governed by a partnership agreement if one is created, and partly by the law of the jurisdiction where the partnership is located. No paperwork or filing is necessary to create a partnership, and without an agreement, the relationships and legal rights of the partners will be entirely governed by the law of the jurisdiction where the partnership is located.

A single person who owns and runs a business is commonly known as a sole proprietor, whether he or she owns it directly or through a formally organized entity.

A few relevant factors to consider in deciding how to operate a business include:

General partners in a partnership (other than a limited liability partnership), plus anyone who personally owns and operates a business without creating a separate legal entity, are personally liable for the debts and obligations of the business.
Generally, corporations are required to pay tax just like "real" people. In some tax systems, this can give rise to so-called double taxation, because first the corporation pays tax on the profit, and then when the corporation distributes its profits to its owners, individuals have to include dividends in their income when they complete their personal tax returns, at which point a second layer of income tax is imposed.
In most countries, there are laws which treat small corporations differently than large ones. They may be exempt from certain legal filing requirements or labor laws, have simplified procedures in specialized areas, and have simplified, advantageous, or slightly different tax treatment.
In order to "go public" (sometimes called IPO) -- which basically means to allow a part of the business to be owned by a wider range of investors or the public in general -- you must organize a separate entity, which is usually required to comply with a tighter set of laws and procedures. Most public entities are corporations that have sold shares, but increasingly there are also public LLCs that sell units (sometimes also called shares), and other more exotic entities as well (for example, REITs in the USA, Unit Trusts in the UK). However, you cannot take a general partnership "public."

Commercial law

Most commercial transactions are governed by a very detailed and well-established body of rules that have evolved over a very long period of time, it being the case that governing trade and commerce was a strong driving force in the creation of law and courts in Western civilization.

As for other laws that regulate or impact businesses, in many countries it is all but impossible to chronicle them all in a single reference source. There are laws governing treatment of labor and generally relations with employees, safety and protection issues (OSHA or Health and Safety), anti-discrimination laws (age, gender, disabilities, race, and in some jurisdictions, sexual orientation), minimum wage laws, union laws, workers compensation laws, and annual vacation or working hours time.

In some specialized businesses, there may also be licenses required, either due to special laws that govern entry into certain trades, occupations or professions, which may require special education, or by local governments who just want your money. Professions that require special licenses run the gamut from law and medicine to flying airplanes to selling liquor to radio broadcasting to selling investment securities to selling used cars to roofing. Local jurisdictions may also require special licenses and taxes just to operate a business without regard to the type of business involved.

Some businesses are subject to ongoing special regulation. These industries include, for example, public utilities, investment securities, banking, insurance, broadcasting, aviation, and health care providers. Environmental regulations are also very complex and can impact many kinds of businesses in unexpected ways.

Capital

When businesses need to raise money (called 'capital'), more laws come into play. A highly complex set of laws and regulations govern the offer and sale of investment securities (the means of raising money) in most Western countries. These regulations can require disclosure of a lot of specific financial and other information about the business and give buyers certain remedies. Because "securities" is a very broad term, most investment transactions will be potentially subject to these laws, unless a special exemption is available.

Capital may be raised through private means, by public offer (IPO) on a stock exchange, or in many other ways. Major stock exchanges include the New York Stock Exchange and Nasdaq (USA), the London Stock Exchange (UK), the Tokyo Stock Exchange (Japan), and so on. Most countries with capital markets have at least one.

Business that have gone "public" are subject to extremely detailed and complicated regulation about their internal governance (such as how executive officers' compensation is determined) and when and how information is disclosed to the public and their shareholders. In the United States, these regulations are primarily implemented and enforced by the United States Securities and Exchange Commission (SEC). Other Western nations have comparable regulatory bodies.

As noted at the beginning, it is impossible to enumerate all of the types of laws and regulations that impact on business today. In fact, these laws have become so numerous and complex, that no business lawyer can learn them all, forcing increasing specialization among corporate attorneys. It is not unheard of for teams of 5 to 10 attorneys to be required to handle certain kinds of corporate transactions, due to the sprawling nature of modern regulation. Commercial law spans general corporate law, employment and labor law, healthcare law, securities law, M&A law (who specialize in acquisitions), tax law, ERISA law (ERISA in the United States governs employee benefit plans), food and drug regulatory law, intellectual property law (specializing in copyrights, patents, trademarks and such), telecommunications law, and more.

In Thailand, for example, it is necessary to register a particular amount of capital for each employee, and pay a fee to the government for the amount of capital registered. There is no legal requirement to prove that this capital actually exists, the only requirement is to pay the fee. Overall, processes like this are detrimental to the development and GDP of a country, but often exist in "feudal" developing countries.

Intellectual property

Businesses often have important "intellectual property" that needs protection from competitors in order for the company to stay profitable. This could require patents or copyrights or preservation of trade secrets. Most businesses have names, logos and similar branding techniques that could benefit from trademarking. Patents and copyrights in the United States are largely governed by federal law, while trade secrets and trademarking are mostly a matter of state law. Because of the nature of intellectual property, a business needs protection in every jurisdiction in which they are concerned about competitors. Many countries are signatories to international treaties concerning intellectual property, and thus companies registered in these countries are subject to national laws bound by these treaties.

Employment and Labor Laws

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Your employees are your business' most important asset. Hiring and managing employees are important components of running a business, and involve many legal and regulatory issues. As an employer you'll need to know about regulations that cover hiring, wages, work hours, benefits, discrimination and harassment, and workplace safety to name a few. This guide provides a collection of resources that will help you understand federal and state labor laws, which ones apply to you, and how to comply.

Hiring and Managing Employees

Ten Steps to Hiring a New Employee
Employment Law Guide
Pre-Employment Background Checks
Immigration and Employee Eligibility
Discrimination and Harassment
Employee Benefits
Drug-Free Workplace Policies
Unions
Wages and Hours
Workers' Compensation
Workplace Posters

Types of Employees

Foreign Workers
Household Employees
People with Disabilities
Veterans
Youth / Child Labor Laws

Terminating Employees

Downsizing and Layoffs
Continuation of Benefits (COBRA)
Final Paycheck and Severance

Emergency Preparedness

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Before an Emergency

Small Business Disaster Preparedness Guide
The U.S. Small Business Administration (SBA) provides various types of loans for businesses of all sizes and homeowners and renters in the event of a disaster, including physical disaster loans, economic injury loans, military reservists' loans and home and personal property loans. This guide reviews how to prepare for a disaster and the process of applying for assistance. Includes contact information for SBA field offices, customer service centers.
Ready.gov Business
Common sense measures business owners and managers can take to prepare their business in the event of a national emergency or disaster.
Standard Checklist Criteria for Business Recovery
This FEMA checklist will help you create a business recovery manual for your business.
Emergency Management Guide for Business and Industry.
This FEMA guide provides step-by-step advice on how to create and maintain a comprehensive emergency management program.
Protect Your Business from Disaster
This FEMA guide provides extensive information on how to protect your property from natural disasters.

After an Emergency

Economic Injury Disaster Loans for Small Businesses
If your small business has suffered substantial economic injury, regardless of physical damage, and is located in a declared disaster area, you may be eligible for financial assistance from the U.S. Small Business Administration.
How Do You Apply for an SBA Disaster Loan?
The SBA provides a step-by-step guide to applying for disaster relief, if you are in a declared disaster area and have suffered any disaster-related damage.
National Flood Insurance Program
Information for the insurance professionals, including claims adjustors and lenders.

Management Tips

If you aren't sure whether your business is at risk from disasters caused by natural hazards, check with your local city engineering offices, Red Cross chapter, or planning and zoning administration. They can tell you whether you are in an area where hurricanes, floods, earthquakes, wildfires, or tornadoes are likely to occur.
Talk to your local insurance agent to make sure your business is covered for fire, theft, personal injury (yourself and your clients), and liability.
Create a plan in advance for dealing with an emergency and keep the plan updated. Know what business records will need to be preserved and what you will need to bring your business back.
Consider off-site storage for important business records and documentation. A contractor kept all his records in a fireproof safe in his office. The offices were gutted in a fire. When the safe was opened, everything inside had melted, due to the extreme heat.

Business Data and Statistics

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The federal government is the largest data producer in the world. Several government agencies and offices exist solely to collect, analyze, and report on business, industrial, and economic activity. Whether you are a new business owner or an old pro, a solid understanding your market and current economic conditions is key to your business' growth and success. This guide provides a collection of business data and statistical sources freely available from several federal agencies.

General Sources
Demographics - People and Population
Consumer Statistics
Economic Indicators
Employment Statistics
Income and Earnings
Money and Interest Rates
Trade Statistics
Statistics on Specific Industries

General Sources

The following resources provide statistical information and research reports on business conditions and for a variety of industries.

FedStats
Provides a full range of official statistical information produced by more than 100 agencies that provide data and trend information on such topics as economic and population trends, crime, education, health care, aviation safety, energy use, farm production and more.
Statistical Abstract of the United States
An authoritative and comprehensive summary of statistics on the social, political, and economic conditions in the United States.
Statistics of U.S. Businesses
A collection of data files created from U.S. Census County Business Patterns, an annual series that provides subnational economic data by industry.
Small Business Research and Statistics
SBA Office of Advocacy provides research reports and statistical information on small businesses conditions in the United States.
STAT-USA
For a subscription fee, you can access authoritative business, trade, and economic information from across the federal government. Produced by the U.S. Department of Commerce.

Demographics - People and Population

American FactFinder
This service of the U.S. Census Bureau provides access to a wealth of population, housing, economic, and geographic data.
State and County Quick Facts
Provides frequently requested Census Bureau information at the national, state, county, and city level.
Current Population Statistics
A monthly survey of about 50,000 households conducted by the Bureau of the Census for the Bureau of Labor Statistics.
Labor Demographics
The Bureau of Labor Statistics (BLS) make significant amounts of data available for specific demographic categories. Demographic categories used by BLS include sex, age, race, and ethnic origin.
Social Security Fact Sheets for Demographic Groups
Fact sheets for all demographic groups including women and young people.
State Population Statistics
Provides access to facts about people, business, and geography.

Consumer Related Statistics

Consumer Credit Data
Consumer Credit Data provided by the Federal Reserve Statistical Release.
Consumer Fraud and Identity Theft
Includes consumer fraud and identity theft complaints received by the FTC, U.S., and Canadian federal, state, and non-governmental organizations.
Consumer Product-Related Statistics
Reports showing statistics related to children's products, child poisonings, CO (Carbon Monoxide) poisonings, and other products.
Inflation and Consumer Statistics
Lists of indexes offered by the Bureau of Labor Statistics that measure different aspects of inflation.

Economic Indicators

Beige Book : Current Economic Conditions
This report is published after each Federal Reserve Bank gathers information on current economic conditions in its District through reports from Bank and Branch directors and interviews with key business contacts, and other sources.
Bureau of Economic Analysis
Access to national, international, regional, and industy economic accounts data.
Consumer Price Index
The Consumer Price Indexes (CPI) program produces monthly data on changes in the prices paid by urban consumers for a representative basket of goods and services.
Economic Census
The Economic Census profiles American business every 5 years, from the national to the local level.
Economic Indicators
The purpose of these links is to provide timely access to the daily releases of key economic indicators from the Bureau of Economic Analysis and the U.S. Census Bureau.
Economic Report of the President
This is an annual report written by the Chairman of the Council of Economic Advisors. It overviews the nation's economic progress using text and extensive data appendices.
FRED - Federal Reserve Economic Data
This is an informative database of over 13,000 U.S. economic time series.
Major Economic Indicators
Reports include consumer price index, producer price index, real earnings, and others.
Producer Price Indexes
The Producer Price Index (PPI) program measures the average change over time in the selling prices received by domestic producers for their output.
Reports on the U.S. Economy
These reports provide broad and targeted economic data, analyses and forecasts for use by Government agencies, businesses, and others.
Stat USA
As a service of the U.S. Department of Commerce, StatUSA is a single point of access to authoritative business, trade, and economic information from across the Federal Government.
U.S. Economic Indicators, 1998 - Present
This browse page provides access to monthly Economic Indicators from January 1998 forward. Documents are available as ASCII text and Adobe Portable Document Format (PDF).
White House Economic Statistics Briefing Room
This provides easy access to current Federal economic indicators and links to information produced by a number of Federal agencies.

Employment Statistics

Bureau of Labor Statistics Portal
Current Labor Statistics
Detailed Labor Statistics (Data Sets)
Employment Projections
Employment and Unemployment Statistics
Equal Employment Opportunity Statistics
Labor Force Statistics from the Current Population Survey
Monthly Labor Review
Occupational Outlook Handbook
Social Security Facts and Figures
State Labor Statistics
Wage Data
Women in the Labor Force

Income and Earnings

Earnings by Occupation and Education
Income Data (U.S. Census)
Income Statistics in Brief
National Compensation Survey
Per Capita Income
Personal Income and Outlays
Poverty Data (U.S. Census)
Real Earnings
Survey of Income and Program Participation
Usual Weekly Earnings of Wage and Salary Workers

Money and Interest Rates

Daily Foreign Exchange Rates
Daily Interest Rates
Money Statistics in Brief
Money Stock Measures

Production and Sales

Annual Survey of Manufactures
Industrial Production and Capacity Utilization
Manufacturer's Shipments, Inventories and Orders
Manufacturing, Mining and Construction Statistics
Production Output
Production Sales, Orders and Inventories
Productivity and Costs
Retail and Wholesale Trade Surveys

Trade Statistics

Balance of Payments
Data on Top 5000 U.S. Importers
Foreign Trade Statistics
Import and Export Statistics
International Economic Trends (Annual)
International Economic Trends (Monthly)
Tariff and Trade DataWeb
Trade Statistics for Manufacturing and Services
Trade Stats Express
U.S. International Trade in Goods and Services
USA Trade Online

Business Law

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Operating a small business involves a number of legal matters, from naming your business, setting up your business' legal structure, to protecting your ideas. This small business guide provides a starting point for learning about business laws that affect all types of small businesses.

Business Incorporaton
Learn about the many ways to legally organize your business, from being a sole proprietor to forming an LLC.
Choosing and Registering a Business Name
Get tips on naming your business and learn how to register a business name with your state or local government.
Licenses and Permits
Get resources to tools to help you obtain all necessary licenses and permits for your business.
Patents, Trademarks and Copyright
Learn how to protect your inventions, ideas and intellectual property rights.
Antitrust
Read about fair business practices and antitrust laws.
Bankruptcy
Learn about the different chapters under which business can file bankruptcy and tax considerations.
Consumer Laws
Our Advertising and Marketing Guide provides information about how to comply with laws that protect consumers from unfair business and advertising practices.
Employment and Labor Laws
Our Employment Guide provides information about how to comply with the nation's labor laws.
Environmental Law
Our Environmental Compliance Guide provides resources that will help you comply with environmental laws that apply to air and water pollution and the management of hazardous waste.
Tax Law
Our Tax Guide provides information on obtaining tax permits (e.g., sales/use tax), filing your business taxes, and maintaining tax records.

Advertising and Marketing

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How to Advertise a Small Business

The following resources provide general information on marketing and advertising your small business.

Marketing and Advertising Basics
How-to guides for small business owners covering marketing planning, market research, e-marketing, and advertising.
Small Business Guide to Market Research
Resources to help you learn more about your customers and competitors.
Online Course: Marketing & Advertising
Free course on how to market and advertise your small business.
Video: Marketing 101
Entrepreneurs explain successful marketing techniques.

How to Comply with Advertising Laws

Good marketing is critical to the success of your business. Marketing has many dimensions, including market research, pricing, advertising, packaging and labeling, distribution and customer service. Investing in a good marketing plan will generate excellent returns.

But there's more to a winning marketing plan or advertising campaign than a profitable product or service. Unfair, untruthful or purposely deceptive advertising can result in costly penalties. The topics below provide information on how to legally advertise your small business:

How to Comply with Truth-in-Advertising Laws
Advertising law basics, including truth in advertising, fair advertising, and how to avoid making false and misleading statements.
Online Advertising and Marketing
Specific rules for advertising and selling products over the Internet.
Telemarketing and Direct Marketing
Rules for marketing and advertising over the telephone.
Product Labeling Requirements
How comply with labeling laws for consumer products.
Advertising Specific Products
Federal advertising regulations for specific product types, from alcohol to 900 numbers.

How to Make Environmental Claims

Did you know that federal law requires sellers and producers of green products to back up their claims or face penalties from the Federal Trade Commission?

Comply with Environmental Marketing Regulations
Get Your Products Green Certified
Learn More About Green Marketing

Starting and Managing a Business

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Start an Eco-Friendly Business

Resources for start ups and entrepreneurs

Learn about Starting a Green Business
Read the Green Guide for New Businesses
Get Energy Saving Tips and Resources
Read about Successful Green Businesses

If you are thinking of starting a small business, or already own a small business, several free counseling and training programs are available to help you get started and expand your operations.

Services cover all aspects of starting and running a business, from getting loans and financing to start or expand to developing business plans and marketing strategies.

On the Web

If you are just getting started, your first stop online should be the U.S. Small Business Administration's (SBA) Small Business Planner. This guide provides information developing business plans, and steps to take to start, manage and sell or close a business.

For specific information about starting and managing a business in your state and local area, visit our State and Local Business Guide.

SBA offers numerous online tools and resources to help new and aspiring business owners succeed:

Start Up Assessment Tool
This assessment tool is designed to help you better understand your readiness for starting a small business. It is simple to use and will take less than 5 minutes to complete.
Free Online Training
Over 25 free at-your-own-pace courses on a number of timely business topics, including how to start a business, writing a business plan, financing, government contracting, marketing and more.
Delivering Success Videos
Successful entrepreneurs share the lessons they've learned about starting and managing small businesses.
Small Business Podcasts
SBA professionals and entrepreneurs provide expert advice on starting, financing and running a successful business.
Monthly Web Chats
Transcripts of online chats with leading entrepreneurs and business experts on a number of small business topics.

Local In-Person Services

The following programs provide local in-person counseling and training services for small business owners. Services cover all aspects of starting and running a business, from getting loans and financing to start or expand to developing business plans and marketing strategies.

Small Business Development Centers
Located throughout the U.S., these SBA-supported programs provide free start-up advice, training and counseling services for entrepreneurs and small businesses.
SBA District Offices
Find counseling, training and business development specialists who provide free and low-cost services in your area.
SCORE - Service Corps of Retired Executives Association
A non-profit organization and SBA resource partner dedicated to offering free mentoring, business counseling, and low-cost workshops in locations throughout the United States.
Women's Business Centers [PDF File]
A national network of more than 100 educational resource centers designed to assist women start and grow small businesses.
Minority Business Development Centers
Provides free business consulting services and financial management advice to minority-owned businesses throughout the U.S. Supported by the U.S. Department of Commerce.

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