New York SBDC Research Network

By Barbara Weltman From time to time, an employee going through a rough financial patch may turn to an employer for help. As member of your small business family—which is how many owners view their staff—you want to be helpful. But lending money to an employee should only be done after considering all the issues. Practical concerns There’s no right or wrong answer when someone asks you for a loan. Your decision to help out often depends on the particular facts and circumstances. But before you make a loan to someone on your payroll, here are some of the questions you might want to ask: *Do you have serious concerns about being repaid? If you aren't repaid, will the loss materially impact you or your business? What happens if you need to terminate the worker before the loan is repaid (e.g., your business contracts; the employee’s performance becomes unacceptable)? *Will you be setting a dangerous precedent and become an easy mark for other employees? (Don’t think that word

After seeing considerable increases in the 1970s and the 1980s, the share of women in self-employment and the female self-employment rate leveled off in the 1990s and remained relatively unchanged through 2012. While this recent 20-year trend may not be remarkable, the characteristics of female business owners have changed considerably over time... New trends in female self-employment suggest a positive shift in opportunities for women, especially for those who differ from the “typical” self-employed women of the past. For instance, the percentage of female minorities in self-employment doubled from 1993 to 2012, and more divorced women and women without young children have become self-employed. Earnings trends have also been favorable. Although female business owners still have lower mean earnings compared with other worker groups, between 1993 and 2012 the gender gap in hourly earnings among the self-employed shrank by nearly 20 percentage points for full-time workers and by 17 per

What is intellectual property and how do you protect your ideas? This course gives an overview of intellectual properties and explains how to protect them. Learn why you should protect your intellectual property. Explore the differences between patents, trademarks and copyrights and discover the process for filing for a patent or trademark and registering for a copyright. Text-based version of course Intellectual property worsheet for a small business

I’ve been feeling really tired lately. It’s that tired feeling that drags on for days and days until you finally give in and have a real rest from work (I’ve planned a week off in October). Trying to work on projects that require lots of thought, mental clarity, and—I can’t even think of the word I want, because I’m tired, which proves my point: It’s hard to do good work when you’re tired. But there’s a lot of nuance to how sleep affects our work. Read more from BPLANS

Some 69% of senior marketers at enterprise companies anticipate an increase in digital spend beyond inflation in 2015, and only 6% foresee a decrease, according to a recent report from Teradata and Econsultancy. On the other hand, only 48% expect increases beyond inflation in traditional marketing budgets in 2015, and 29% who expect decreases, the study found. Enterprise marketers expect digital budgets to increase roughly 10% annually for the next five years, with average digital spend reaching 40% of total budgets by 2019, according to the report. Read more from MarketingProfs .

Shopping for health insurance online? Before making your final purchase – read on. Health insurance scams have been preying on vulnerable consumers through websites selling medical discount plans. According to the complaint in a recent case FTC settlement, IAB Marketing Associates, LP et al., was a sham nonprofit trade association offering memberships suggesting it would provide consumers with a comprehensive medical insurance plan... According to the FTC, consumers never were enrolled in a comprehensive health insurance plan. The IAB plan was essentially a medical discount plan, offering, if it existed, limited discounts and reimbursements on visits to certain doctors or hospitals. Many consumers who suffered an accident or illness were shocked to find that their IAB “health plan” covered very few, if any, medical expenses, leaving them with major medical bills. Here’s how to insure yourself against this scam... More from the NCPW

The restaurant industry posted its best sales results in more than two years during the third quarter of 2014, amid continuing signs of economic growth, according to the latest Restaurant Industry Snapshot from TDn2K’s Black Box Intelligence and People Report, based on weekly sales from more than 20,000 restaurant units representing more than $45 billion in annual revenue. Same-store sales grew 1.6 percent during the quarter, a 1.3-percent increase over second quarter results and the best quarter for the industry since the first quarter of 2012. The industry saw positive same-store sales for the second consecutive quarter — a first since the second half of 2012. The gain came on the heels of strong industry performance in September, when same-store sales rose 2.2 percent. More from Nation's Restaurant News .