Friday, September 29, 2017

Should you have to give up privacy to recycle a printer cartridge?

From the Boston Globe:

Kathie Florsheim is a committed environmentalist with a hybrid car and a set of rain-collection barrels outside her East Providence home.

So when the ink in her Canon printer recently ran out, she immediately thought to recycle it, just like she does her light bulbs, batteries, and kitchen waste — which she feeds to the red wiggler worms who fertilize her vegetable garden.

But what Florsheim learned on Canon’s website stopped her in her tracks. To send her clunky, foot-long cartridge back to Canon for recycling, she would have to submit her name, home address, telephone number, and e-mail address.

[What are ] the issues around companies that collect personal data?

Thursday, September 28, 2017

NAICS 2017 Revision for Table of Small Business Size Standards

The U.S. Small Business Administration issued a final rule adopting the U.S. Office of Management and Budget’s (OMB) North American Industry Classification System (NAICS) revision for 2017 (NAICS 2017) for its table of small business size standards.  The final rule is published in the Federal Register at
NAICS 2017 created 21 new industries by reclassifying, combining, or splitting 29 existing industries under  NAICS in 2012 (NAICS 2012).  On April 18, 2017, SBA issued a proposed rule seeking comments on its proposed size standards for the 21 new industries.  The agency received three comments which were outside of the scope of the proposed rule.  Accordingly, SBA is adopting, without any change, the proposed size standards for the new industries.
The change results in an increase to size standards for six NAICS 2012 industries: (one in Sector 21, Mining, Quarrying, and Oil and Gas Extraction; three in Sector 31-33, Manufacturing; and two in Sector 44-45, Retail Trade) and part of one industry in Sector 44-45, a decrease to size standards for two (one in Sector 21 and one in Sector 51, Information), a change in the size standard measure from average annual revenues to number of employees for one in Sector 51, and no change in size standards for twenty industries and part of one industry. 
OMB published its fourth and latest revision, NAICS 2017, “Notice of NAICS 2017 final decisions” on August 8, 2016, stating that federal statistical establishment data published for reference years beginning on or after January 1, 2017, should be published using NAICS 2017.  As with the previous NAICS revisions, SBA is adopting the NAICS 2017 revision October 1, 2017, beginning of fiscal year 2018 following the OMB’s release of the NAICS revision.
Complete information on the relationship between NAICS 2012 and NAICS 2017 is available on the U.S. Bureau of the Census (Census Bureau) website at
The website also provides detailed documentation on federal notices involving the replacement of SIC with NAICS, and all subsequent NAICS updates and revisions, including the August 8, 2016 “Notice of NAICS 2017 final decisions,” as well as concordances (i.e., correspondence tables) between SIC and NAICS 1997 and NAICS 2002, and between subsequent NAICS revisions.

For more information on SBA’s reviews of and revisions to its small business size standards, click on “What’s New with Size Standards” on SBA’s website at    

Wednesday, September 27, 2017

New Materials: Restaurants & Coffee

The National Restaurant Operations Report 2016

This is another item we get annually for our reference collection. If you are not familiar, it looks at the restaurant industry and provides details like:

  • average check for full-service restaurants
  • average check for limited service restaurants
  • cost per dollar of sales
  • ratio to total sales
  • amount per seat and ratio to total sales
  • annual employee turnover
  • amount per square foot

The National Coffee Drinking Trends Report 2017

  • daily, weekly, yearly consumption by age
  • consumption by type of coffee
  • consumption by region
  • where and when coffee is consumed
  • drinking coffee at home vs in restaurants
  • consumer attitudes
  • year to year trends

The IHRSA Profiles of Success 
The Annual Industry Data Survey of the Health and Fitness Industry

This report provides an industry overview for fitness and health club including club operating benchmarks.
  • membership and attendance
  • leading club data & market share
  • health club member demographics
  • equipment and activity usage data
  • club growth by region
  • financial and operational benchmarks
  • membership agreements
  • profit center analysis

Again, we don't circulate these items but we can provide research using it in answer to your requests.

Voluntary dissolution of a New York corporation

From the New York State Department of Taxation and Finance:

A New York State business corporation may voluntarily dissolve. By doing so, the corporation ends its obligation to pay future taxes and fees to New York State. The dissolution process involves both the Tax Department and the New York Department of State.


New York business corporations must pay franchise and other taxes to New York State. The corporation pays the taxes in exchange for the privilege of exercising its corporate franchise, doing business, employing capital, owning or leasing property, or maintaining an office in the state.
When a New York business corporation decides it will no longer conduct business in New York, it will want to be sure that it ends its obligation to pay state taxes and fees. The process of voluntary dissolution:
  • brings the existence of the corporation to an end; and
  • ends the corporation’s obligation to pay future state taxes and fees to New York State.
Dissolution by proclamation

If a New York corporation doesn’t voluntarily dissolve and doesn’t file franchise tax returns or pay franchise taxes for two or more years, the New York Secretary of State may dissolve the corporation by proclamation.
  • With dissolution by proclamation and voluntary dissolution, the legal entity of the corporation ceases to exist. The important difference is that dissolution by proclamation occurs without a request by the corporation.
  • A corporation dissolved by proclamation must continue to file returns and pay taxes or fees until they:
    1. Have the corporation reinstated
    2. Complete the voluntary dissolution process described below
Procedure for voluntary dissolution

Voluntary dissolution is a two-step process:
  • Obtaining written consent from the Tax Department (which will check to see if the corporation owes back taxes and if it has filed all its returns); and
  • Filing paperwork with the New York Department of State, including a Certificate of Dissolution.
  1. How to get consent from the Tax Department:
    • File a final corporation tax return. Use the form you normally use, but mark an X in the box marked Final at the top of the return.
    • You may also choose to e-file your final return. You must use e-file software that’s been approved by the Tax Department.
    • If the current tax year form is available, you must file using that year’s tax form. If the current year’s form is not yet available, taxpayers may file a short period report using the prior year’s form. The computation of the tax on the final return needs to take into account any tax law changes that are effective for that final tax year. Payment of the tax must be submitted in conjunction with such report.
    • Mail your returns and payments to the appropriate address (see list below).
    • When we receive the final return, we’ll check to see if the corporation is up-to-date with its returns and taxes. This includes any taxes and returns due for any part of a year in which the corporation was in existence.
    • If your corporation has filed all its returns and paid all its taxes, we’ll issue a written consent to dissolve the corporation.
    • If not, we’ll send you a letter telling you what you need to do before we can give our consent. 

  2. How to create a Certificate of Dissolution
    • The Department of State has blank certificates, as well as detailed instructions on how to complete and file them. 

  3. Complete the process by filing with the New York Department of StateOnce you’ve obtained our consent and prepared the Certificate of Dissolution, you’re ready to file with the Department of State. Your filing must include:
    • written consent from the Tax Department (Form TR-960, Consent to Dissolution of a Corporation);
    • one Certificate of Dissolution; and
    • a check for $60 payable to the New York Department of State.
You may file in person or by mailing to:

Once the Department of State accepts the Certificate of Dissolution for filing, they’ll issue your corporation a filing receipt. The filing receipt establishes the date that the corporation’s existence comes to an end.

Tuesday, September 26, 2017

Small Businesses Crowd Facebook, Twitter for Marketing

From eMarketing:

Small-business owners are often constrained by limits on resources as they balance different needs competing for a slice of finite budgets. But new research from business and marketing services provider G2 Crowd found that despite potential financial restrictions, marketing remains a priority for these decision-makers.

In March, G2 Crowd surveyed small-business owners and managers in the US. (The company defined a small business as one with 250 or fewer employees.) Some 24% of respondents said they planned to prioritize investments toward marketing and advertising in 2017. That was more than the number who planned to concentrate funds on other areas such as sales personnel, new facilities, and software and other IT systems.

Social media platforms have emerged as popular marketing channels for small businesses, according to G2 Crowd’s poll. It revealed that 80% of respondents used Facebook for marketing purposes, while a little more than half (51%) turned to Twitter. While it’s possible that small businesses are buying ads on these platforms, it’s more likely they’re using low- or no-cost functions like Facebook Pages and tweets to connect directly with their customers.

Monday, September 25, 2017

New Materials: HOST Almanac 2017

We've received some new editions in the library. These are sources we use frequently. One of the latest is the HOST Almanac 2017 (with 2016 data). It is published by Smith Travel Inc. The report covers limited and full-service hotel operations, labor analysis, costs, and expenses such as wages, taxes, golf operations, and maintenance among others. 

You can see how the lodging industry is performing overall, trends,  revenue and expense growth, and transaction volume. A map of profitability change by market offers a very broad view of the US. The markets are broadly by state with some more detailed market information in populous areas.

For the summary tables, hotels are split out by "chain-affiliated" and "independent" and by region in our case, "Mid-Atlantic" as well as split between "full" and "limited" service. You can also see hotels by location types such as urban, suburban, interstate, resort, and small metro/town and class, such as luxury, upper upscale, upper midscale and midscale/economy.

This item does not circulate but can be used for reference. If you have a hotel-related request, get in touch and we can refer to this and other resources to answer your question.

Can Brick and Mortar Compete with Digital on Price?

From eMarketer:
Brick-and-mortar retailers may be able to wow shoppers with wonderful touch-and-feel experiences and in-person customer service, but they are still at a big disadvantage when it comes to price—a key purchase factor for many consumers.

From apparel and furniture to televisions and sporting goods, prices of goods are declining. But online prices are dropping at a much faster rate than in-store price tags, according to Adobe’s Digital Price Index study, which compares the prices of baskets of comparable goods online against those in the Consumer Price Index (CPI) measured by the US Department of Labor Bureau of Labor Statistics. The study, which looks at a total of 18 product and service categories, suggests that price deflation can be seen in most categories, whether online or in physical stores, but the declines are more distinct online...

For instance, online apparel prices in June fell 4.1% from a year earlier, compared with a 0.6% decline in-store during the same period. Prices of televisions sold online declined 13.2%, vs. an 11.4% drop at physical stores.

Friday, September 22, 2017

Startup Firms Created Over 2 Million Jobs in 2015

From the US Census Bureau:
 In 2015, the nation’s 414,000 startup firms created 2.5 million new jobs according to data from the Census Bureau’s Business Dynamics Statistics. In contrast, this level of startup activity is well below the pre-Great Recession average of 524,000 startup firms and 3.3 million new jobs per year for the period 2002-2006.
Other highlights include:
· Job creation in the United States totaled 16.8 million with job destruction equaling 13.7 million. Job creation minus job destruction equaled net job creation of 3.1 million in 2015.
· Young firms (those less than 6 years old) accounted for 11 percent of employment and 27 percent of job creation.
· Old firms (those more than 25 years old) comprised 62 percent of employment and 48 percent of job creation.
· The job creation rate for young firms, excluding startups, was 20 percent in 2015. This rate is above the Great Recession low of 15 percent in 2009, and it has recovered to its average level of 20 percent during the period 2002-2006.
· The net job creation rate for establishments in metro areas was 2.7 percent. For establishments in nonmetro areas, the rate was lower at 1.2 percent.
· States with the highest net job creation rates in 2015 — 3.4 percent and above — are in the South Atlantic, Pacific and Mountain divisions. There were significant differences in net job creation rates at the state level, ranging from about 5 percent to just below 0 percent.
The Business Dynamics Statistics are based on Business Register data, which covers all employers in the U.S. private nonfarm economy. The Business Register is based on administrative data combined with data from the Report of Organization (formerly known as the Company Organization Survey).

Thursday, September 21, 2017

Small business owners file class-action suit against Equifax

From BizJournals:

An Atlanta firm filed the first class action suit brought against Equifax on behalf of 28 million American small businesses. The suit, filed on Sept. 19 by the Atlanta division of The Doss Firm LLC, claims that small business owners were disproportionally affected by the breach, as the availability of small business credit is often directly linked to its owners’ creditworthiness.

The suit notes that “about 60 percent of small businesses use loans to finance their operations… from maintaining cash flow to purchasing equipment,” making the loss of credit of particular concern to these individuals and their businesses.

From the lawsuit:

Many of the 143 million individuals whose PII [personally identifiable information] was hacked are also owners of small businesses that heavily rely on personal and business credit to operate and provide for families across this country. Any business with fewer than 500 employees is generally defined as a small business – a definition adopted by the U.S. Census Bureau, the Bureau of Labor Statistics, the Federal Reserve and the Small Business Administration.

There are about 28 million small businesses in America representing more than 99% of all American companies. Indeed, small businesses employ half of the private sector work force, and since 1995, small businesses have created about two out of every three net new jobs – 65% of the total job creation in the United States.

Business loans and credit have historically been critical for small businesses to survive because, unlike large firms, small businesses lack access to public institutional debt and equity capital markets. According to the Harvard Business School Article referenced in footnote 4, in 2012, over 85% of small businesses reported to the National Federation of Independent Businesses (the “NFIB”) that their primary financial institution was either a large or community bank.

In addition, according to the NFIB, about 60% of small businesses use loans to finance their operations, and use the loan capital for a variety of purposes, ranging from maintaining cash flow and working capital to purchasing equipment and financing real estate purchases.

How you can sue Equifax and be part of a lawsuit

Amazon's War on Small Business

From Inc:

Amazon's recent purchase of Whole Foods has spawned much speculation about the company's ultimate intentions. Probably the most perceptive and comprehensive is a recent article in the Harvard Business Review. Here's the money shot:

What Amazon will now study in the brick-and-mortar world - and more importantly, what it learns and how it applies the insights - can transform consumer retail in the United States. By buying Whole Foods, Amazon gets virtually limitless possibilities to test products and services, test price points and assortment interactions, redefine the price perception for organic and healthier foods, merge offline and online shopping experiences, and perhaps test home delivery or store pickup with ideal early adopters.

If that's true..., the acquisition is very bad news for the grocery giants, which may end up going the way of Borders, the once-huge chain that Amazon's original business model ran out of business.

However, if Amazon is planning what the HBR is predicting, it's even worse news for small businesses in the food production industry, like local farms and specialty food manufacturers.

Wednesday, September 20, 2017

How to Find Anyone's Business Email Address

From Marketing Profs:

If you live in the world of marketing, you've likely wanted to find someone's contact information but had no idea where to start looking. Whether you're trying to cold-call a lead, pitch an investor, email a press release to an editor, or strike up a conversation with a potential employer, there are plenty of reasons to dig up contact information.

Email is one of the best ways to reach someone you're trying to connect with for the first time. It's less intrusive than a phone call and gives the recipient a chance to chew over whatever you're proposing.

Knowing where and how to look for information is the first step in finding critical contact information. In 2017, there's no better tool for finding information than Google—which processes over 40,000 search queries every second (see this nifty Google search counter ).

With the help of a few tools, you'll be able to find just about anybody's email address.

Most users don't realize that Google has search operators built into its engine that allow you to get more specific with your searches—and find what you're really looking for more quickly and with fewer searches.

Tuesday, September 19, 2017

The Customer Service Issues That Annoy Consumers Most

From The Customer Service Issues That Annoy Consumers Most:

Consumers say the customer service issues most likely to make them stop doing business with a company are uninformed agents and long wait times, according to recent research from The Northridge Group.

The report was based on data from a survey of 1,000 consumers in the United States age 18 and older.

Respondents rate uninformed agents as the customer service issue most likely to result abandoning a company; long wait times to reach an agent ranks second, followed by unfriendly agents and difficult-to-use automated systems.

Monday, September 18, 2017

The DNA of an Entrepreneur Report

From Hiscox:
A study released this month by Hiscox, the international specialist insurer, reveals a confident and promising growth trend among US small businesses, with 72 percent of respondents reporting increased top-line revenue in the past year – the highest amount of any country surveyed. As both investment spending and export activities surge, profits are also on the rise, with 31 percent of US respondents reporting growth in the double-digits.

Now in its ninth year, The Hiscox DNA of an Entrepreneur report is a global study that surveyed more than 1,000 small and medium-sized US business owners about the financial pressures, stresses, opportunities and challenges they currently face.

Millennials Hitting Their Stride

This year’s findings show younger entrepreneurs are finding success and confidence as business owners. In fact, 56 percent of respondents under age 30 said their personal financial situation is better now than it was a year ago; 59 percent of respondents ages 30-39 also agreed with this statement. These age groups are also the most optimistic about the future – 73 percent of respondents under age 30 and 86 percent of their counterparts ages 30-39 shared positive sentiments about the future of their business over the next 12 months.

Who Feels Better Off? Depends on Your Gender and Age

Asked about their personal financial situation, more than half of US men running small businesses (51%) say they feel better off than a year ago. The figure for women is just 40 percent. There is also a pronounced age bias in the results. Nearly three out of five (58%) of those under 40 feel better off. At the over-50 level, the figure falls to 35 percent.

Attitudes Toward Government Improving

US small business owners are starting to change their attitude when it comes to government. In this year’s report, 46 percent of respondents said government policies were supportive of entrepreneurs, an increase from 34 percent in 2016. Interestingly, there was also an increase in the number of respondents saying political instability is having an impact on their business (31% to 36%).

Serial Entrepreneurs Driving Innovation

Despite already juggling the many facets of running one business, 26 percent of US small business owners currently operate more than one small business. They are a dynamic group, as 36 percent of these entrepreneurs are planning to develop a new product in the year ahead.

Overdependence on One Customer is a Concern

For the first time, we asked firms to tell us what proportion of their revenue was accounted for by their leading customer. Seventeen percent of small businesses are dependent on their largest customer for half or more of their revenue. The average figure for US firms is approximately one-quarter (27%) of their revenue. This a vulnerability many small businesses live with every day.

Embracing Non-Traditional Sources of Financing

Small business owners in the US are actively embracing non-traditional sources of financing, finding alternatives to bank financing. For example:

23 percent have borrowed funds using a credit card;
14 percent have turned to family and friends;
11 percent have brought in equity investors;
10 percent have used crowdsourcing; and
9 percent have raised money by remortgaging their house.
Cyber-attacks Cause Serious Loss

Technology has also introduced new challenges for small businesses, with 16 percent of respondents reporting that they have suffered a cyber-attack. Of those respondents, 61 percent cited the attack resulted in a serious loss to the company. Despite the damage a cyber-attack can do to a small business, only 10 percent of US small businesses reported having insurance that covers cyber risks, such as cyber-attacks or data breaches/loss.

Friday, September 15, 2017

Instant Gratification Nation: The Impatient American Consumer

From MarketingProfs

Many Americans say technology has made them more impatient today than they were five years ago, according to recent research from Fetch and YouGov.

The report was based on data from a survey of a YouGov poll conducted in May 2017 among 2,489 US adults age 18 and older.

Some 41% of respondents say technology has made them more impatient than they were five years ago. Among Millennials, the proportion is 45%.

Only 26% of respondents say they would wait longer than 30 minutes for takeout food, and 41% of consumers say they would not wait longer than 15 minutes for a ride requested via a mobile app.

Check out the infographic for more findings from the poll...

Thursday, September 14, 2017

Eliminating A 3D Printing Risk

From ThomasNet:

As is the case with many technological advancements in the industrial sector, attention must always be paid to factors impacting the operational environment. So, in addition to “green” planning and regulatory compliance, employee safety is an obvious concern.

Recently, studies have shown that bits of carbon from the plastics and resins used as 3D printing materials can be released into the air during printer operation. When inhaled, these can present significant health concerns. The relatively “new” application of 3D printing within mainstream manufacturing also means no research had previously examined these potential safety concerns or devised safeguards against them.

Enter Chungsik Yoon and his colleagues from the Department of Environmental Health and Institute of Health and Environment at Seoul National University.

Wednesday, September 13, 2017

Latest Estimates for US Proximity Mobile Payments

From eMarketing:

Over the past few years, the use of mobile devices for financial activities has expanded from simply checking an account balance to include other types of transactions, such as proximity payments and peer-to-peer (P2P) fund transfers.

Millennials have pioneered the adoption of both mobile banking and payments, but adoption is also rising among older adults, according to eMarketer’s latest report, “US Mobile Banking and Payments: eMarketer’s Estimates for 2016-2021.”

eMarketer estimates the value of US proximity mobile payment transactions will total $49.29 billion in 2017, up 78.1% from last year. Though the growth rate will remain in double digits through the forecast period, it will slow down to 23.9% in 2021. That year, US consumers will use their mobile phones to pay for $189.97 billion worth of goods and services at a physical point of sale (POS).

The average annual spend per proximity mobile payment user in the US will reach $1,026 in 2017, surpassing $1,000 for the first time. That figure will continue to grow through 2021, when it will reach $2,646.

Tuesday, September 12, 2017

A Practical Guide to Killing (or Saving) Your Corporate Blog in 100 Days

From MarketingProfs

You did it. You built a solid hub of corporate content.

You turned to the abundance of advice available out there—on how map out the content strategy, create newsroom-worthy content, build a following, and engage with users—and you did it.

But now what? You've got a well-planned behemoth of a content machine, but is it sustainable? Will it thrive? Will it survive a year, two years, five years later? Or a few months, even?

Unless all the sweat equity you put into building it continues at the same intensity and pace after it's built, likely not.

Fact is, your blog is destined for a sad end if it's not carefully nurtured and fed engaging content that changes with its readership. It takes more time, attention, and resources than it took to build it. It demands a long-term strategy and an invested team. And without those things, you'll destroy the very thing you worked so long and hard to create.

Here's what happens when a good blog goes bad, and gets killed before it gets a fighting chance to thrive.

Monday, September 11, 2017

Cybersecurity Is Standard Business Practice for Most Large Companies

From PR Newswire:

Over 90% of large US companies with 500+ employees have a cybersecurity policy in place to protect them from both real and anticipated threats, according to a new survey from Clutch, a leading B2B ratings and reviews firm.

Clutch surveyed over 300 corporate IT decision-makers about what to include in a cybersecurity policy and found that security software, data backup and storage, and scam detection are the most common areas cybersecurity policies cover.

Phishing attacks are the cybersecurity attack large companies most commonly experience: 57% of IT decision-makers said their company experienced a phishing attack in the past year.

Over 80% of IT decision-makers surveyed say they proactively communicate their company's cybersecurity policy, policy compliance, and training to employees. However, only two-thirds (66%) of these decision-makers enforce their company's cybersecurity policy.

Friday, September 08, 2017

The power of employees' personal brands

From Entrepreneur:

When brand messages are shared by employees on social media, they get 561 percent more reach than the same messages shared by the brand’s social media channels.

Brand messages are re-shared 24 times more frequently when posted by an employee versus the brand’s social media channels.

On average, employees have 10 times more followers than their company's social media accounts.

Content shared by employees receives 8 times more engagement than content shared by brand channels.

The bottom line is that we trust people more than we trust brands, and we engage with people more than we engage with brands. If you don’t get your employees involved on social, you’re absolutely losing out to companies that do.

Thursday, September 07, 2017

5 steps to get started with bitcoin and cryptocurrencies


You’ve probably heard about the fast rise of bitcoin and other cryptocurrencies this year.

We’ve seen a rise in bitcoin from $954.71 on December 28, 2016 to a new high of $4,455.97 on August 15 of this year, according to coin market cap.

Some have been calling it a bubble. While that is possible, today we’re seeing major countries and corporations around the world devoting resources to blockchain and cryptocurrencies. You don’t want to take the attitude of those who dismissed major trends like the internet or social media.

So how do you get started with bitcoin and cryptocurrencies?

A great place with a simple, easy-to-understand starting approach is That website shows you step-by-step what to do...

A digital wallet is an app. This app holds your digital coins. Usually these wallets are free, and there are many available.

Wednesday, September 06, 2017

What I learned about business from a Girl Scout cookie entrepreneur

From the Small Business Administration:
By Linda McMahon, SBA Administrator

When I was a Girl Scout, selling cookies meant dragging a wagon full of boxes door to door in my North Carolina neighborhood. I didn’t have online tools or a marketing plan or even a real strategy.

But Julia Vieira Reis, a 12-year-old Girl Scout from Manchester, Connecticut, certainly did. She sold more than two thousand boxes. Her entrepreneurial success earned her recognition as one of the nation’s top cookie sellers of 2017.

I got to meet Julia when she interviewed me about how my Girl Scout experience prepared me for my career in business. She wondered what she and other Girl Scouts could learn from my advice. Turns out, she also had a lot of her own wisdom to share with me – and other entrepreneurs – about what it takes to succeed!

Tuesday, September 05, 2017

New York State’s New Paid Family Leave Program

The New York State Department of Taxation and Finance, Notice 17-12

The State’s new Paid Family Leave program has tax implications for New York employees, employers, and insurance carriers, including self-insured employers, employer plans, approved third-party insurers, and the State Insurance Fund. The Department of Taxation and Finance has reviewed the New York statute, implementing regulations, and applicable laws, case law and federal guidance and has consulted with the Internal Revenue Service regarding the appropriate tax treatment of family leave contributions and benefits under the New York program.

Based upon this review and consultation, the following guidance:
• Benefits paid to employees will be taxable non-wage income that must be included in federal gross income
• Taxes will not automatically be withheld from benefits; employees can request voluntary tax withholding
• Premiums will be deducted from employees’ after-tax wages
• Employers should report employee contributions on Form W-2 using Box 14 – State disability insurance taxes withheld
• Benefits should be reported by the State Insurance Fund on Form 1099-G and by all other payers on Form 1099-MISC

The department hopes this guidance is helpful to you as you move forward with implementation of this new program. However, it is the responsibility of each employee and employer/insurance carrier to consult with its tax advisor.

Monday, September 04, 2017

No One Should Work in Unsafe Conditions


If you're working in unsafe conditions, don't just put up with the danger to yourself and others— file a complaint with the Occupational Safety and Health Administration (OSHA). A new online tool is available to help you file a whistleblower complaint and put a stop to working in dangerous conditions.

OSHA's Whistleblower Protection Program enforces the whistleblower provisions of more than twenty whistleblower statutes protecting employees who report violations of various workplace safety and health, airline, commercial motor carrier, consumer product, environmental, financial reform, food safety, health insurance reform, motor vehicle safety, nuclear, pipeline, public transportation agency, railroad, maritime, and securities laws. Rights afforded by these whistleblower protection laws include, but are not limited to, worker participation in safety and health activities, reporting a work-related injury, illness or fatality, or reporting a violation of the statutes herein.

Learn more about whistleblower protections.

Sunday, September 03, 2017

Five Steps to Your Hurricane Harvey Recovery

By Linda McMahon, SBA Administrator
Published: September 1, 2017
Over the past week, as the people of the Gulf Coast deal with the unprecedented effects of Hurricane Harvey, we have seen heartbreaking moments of tragedy, of lives lost, homes destroyed and neighborhoods left in ruin, as well as remarkable acts of heroism and compassion as the first responders and people of Texas and Louisiana help each other survive. I have visited Texas twice in the past week and want to extend to the Gulf community my thoughts and prayers, as well as my commitment to help them get their lives back in order through the resources available through the U.S. Small Business Administration. While FEMA addresses immediate needs like food, water and shelter in the aftermath of a declared disaster, the SBA is your partner for long-term recovery.
Experts say Hurricane Harvey will pose one of the longest and costliest post-disaster rebuilding efforts in U.S. history. If you’re a homeowner, renter or business owner facing the overwhelming task of cleaning up water-logged debris and starting over again, I’d like to share these first steps that are important in making your recovery a little easier:
  • Register for federal assistance with FEMA online at, or call FEMA at 1-800-621-FEMA (3362).  This gets you quickly connected with a  variety of recovery resources available from our federal partners, which includes housing assistance, grants and SBA disaster loans.
  • Check out SBA’s Hurricane Harvey page, where you can get information about how to apply for low-interest disaster loans for homeowners, renters, businesses of all sizes, and private nonprofit organizations. 
  • The SBA is offering loan deferments on existing loans to businesses and individuals in the counties affected by Hurricane Harvey. Read this policy noticeDownload Adobe Reader to read this link content for more details.
  • Beware of scams!  If someone tells you they’ll help with your SBA disaster loan application or other forms of federal recovery assistance “for a small fee,” they’re running a scam. Federal assistance programs are available to the public at no cost. Ask for identification. Protect yourself from fraudulent building contractors by asking for appropriate licenses and local references.
Now the real work begins. The SBA is committed to standing by Gulf Coast residents and businesses for the long haul. We are committee to restoring the local economy over the long term and laying a strong foundation for future growth.

Friday, September 01, 2017

The Man Who Wrote Those Password Rules Has a New Tip: N3v$r M1^d!

From the Wall Street Journal:

The man who wrote the book on password management has a confession to make: He blew it.

Back in 2003, as a midlevel manager at the National Institute of Standards and Technology, Bill Burr was the author of NIST Special Publication 800-63. Appendix A. The 8-page primer advised people to protect their accounts by inventing awkward new words rife with obscure characters, capital letters, and numbers—and to change them regularly.