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  • Are You Prepared For A Business Disaster?
    your business running For a free lance writer the plan might be as simple as maintaining a computer back up and having an electrical outlet to keep your computer and smart phone up and running If you have an emergency grab your laptop and cell phone as your head out for a hotel For a market research firm with five or six employees it becomes a different world and takes more planning Where will the offices relocate Where can you put your hands on six or seven computers How do you get phone lines installed along with a hundred other details Do you have your computer backed up Business owners should routinely back up all information on their computers and include an offsite copy in a safe location that you can easily put your hands on in an emergency Do you have an up to date customer data base If you re out of business for a few days or longer you need to let your customers know This means having an accurate list of customers and their contact information Do you have a contact list for your competitors Business owners erroneously think of their competitors as the enemy But with some planning these businesses can temporarily help your business survive If necessary they can help your secure products and services for your customers until you get back on your feet What are the tools of your trade and how can you get them If your building is evacuated you may be able to grab your laptop before you go But what if your business needs sophisticated and heavy design computers or specialized equipment like a photographer s camera Keep track of what equipment your business needs to function and know where you can purchase or rent replacements if you can t take yours with you in an emergency Share your plan with someone else Even some of the best ideas aren t Sometimes another set of eyes can point out the cracks in a plan or missing components Your disaster plan may make sense to you but share it with someone else who might discover some missing points And if you have employees make sure that every one of them is very familiar with the plan and how to implement it Have you refreshed your plan Some basics of business seldom change like where you would evacuate to or what the first thing you d grab on your way out the door But some things do change like the contact information on customers and competitors or where to find replacement equipment Review your plan at least once a year to make sure it still works Do you have the right insurance coverage While it s one thing to prepare for a major disaster it s important to make sure you have covered the financial disaster that could follow Evaluate every aspect of your business insurance coverage at least once a year Know who is there to help you and

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/11/02/Are_You_Prepared_For_A_Business_Disaster (2016-02-14)
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  • Clearing the Murky Waters of Retirement Planning [Ask The Experts]
    make it easy for middle income America to take advantage of building for their retirement years In reality what most people need to understand are a few basics and leave the rest to the financial pros from Dover There are two primary issues to consider in retirement plans with the first being what type of plan is best for you The choices depend on whether you are an employee of a business or you run your own show Of course if you are an employee and participate in an employer plan your choices can often be limited But if you OWN the company you need to search your options to find the best and most tax advantageous retirement plan As an entrepreneur your basic choices include an IRA KEOGH SEP ROTH 401 k or a SIMPLE Then under each of these categories there are sub categories Like under the SIMPLE there is the option of an IRA SIMPLE or a 401 k SIMPLE These are the specific types of plans for which the Congress has established tax rules on how much a person can contribute annually who qualifies to participate what type of IRS reporting is required and other rules As an example in an IRA just about anyone with earned income can contribute up to a specific dollar amount into a tax deferred retirement account In an SEP you can contribute up to twenty five percent of your earnings The limits for what you can contribute into any plan depends on the type of plan your IRS defined earnings your age your marital status and any changes in the annual limits As those amounts can change every year you have to check the IRS guidelines for just how much you can contribute to any specific plan The primary point in the above is that when you re talking about a type of plan like an IRA or an SEP you are talking about what set of IRS rules the plan has to follow The real world determination in deciding what type of plan you set up ultimately comes down to a fairly simple factor how much cold hard cash you have to contribute into a retirement plan for a particular year If the maximum you can put into a retirement is a few thousand dollars a traditional IRA or a ROTH is all you need If you have the disposable income or business profits to contribute more then an SEP KEOGH 401 k or SIMPLE plan is going to be better The second aspect to any retirement planning is where to invest your money mutual funds treasury bills stocks certificates of deposits or wherever This decision is even more important than what type of plan you have because this will determine how much you end up with when you retire This is really a pretty easy point to answer unless you have a great deal of knowledge and expertise in investing you need to use a professional to guide

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/11/01/Clearing_the_Murky_Waters_of_Retirement_Planning_Ask_The_Experts (2016-02-14)
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  • Poll Archive: High Cost Of College Education A Struggle For Self-Employed Parents
    NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog Poll Archive High Cost Of College Education A Struggle For Self Employed Parents Wednesday October 31 2012 Posted by Kristin Oberlander Colleges and universities have been welcoming students back this fall in full force Thirty seven percent of self employed families have a child that is working toward a degree this fall The National Association for the Self Employed NASE knows that financing one or more college educations can be tough for the small business owner and conducted a poll to dig deeper into the impact When parents were asked about how concerned they were about the debt taken on to cover education expenses 71 were somewhat to very concerned Forty two percent of parents were somewhat optimistic about post graduation career prospects thirty four percent were very optimistic During the selection process the cost of tuition and room and board was a determining factor for 55 of families as to whether their child would attend any particular college Thirty seven percent said those costs were part of the decision but prestige and reputation of the institution was of larger importance The top financial instruments used to finance the education includes scholarships 66 personal savings 61 grants and student loans both 47 and a specific college savings account 40 Sixty percent of parents expected their child to contribute up to half of the overall expense of a college education See the full survey in the NASE Survey Results section here Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/31/Poll_Archive_High_Cost_Of_College_Education_A_Struggle_For_Self-Employed_Parents (2016-02-14)
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  • Entrepreneurship: It’s Not Just A Woman’s Work (Build My Biz)
    Tell your story Become a Media Contact Legislative Action Center Business Help Ask the Experts Taxes Business Strategy Business Law Marketing 101 Finance Accounting Health Care Reform Marketing Advertising Real Estate Information Technology NASE Minute Get Help Tax Healthcare Reform Health Marketing 101 Business Management Marketing Advertising Real Estate Calculators Business Breakeven Analysis Calculator Cash Flow Calculator Equipment Buy vs Lease Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog Entrepreneurship It s Not Just A Woman s Work Build My Biz Thursday October 25 2012 The NASE was recently featured in the news regarding Women s Small Business Month Read more here Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views HTML Design and Preview Statistics and Resizer Editor Mode buttons Statistics module Editor resizer RadEditor please enable JavaScript to use the rich text editor RadEditor s Modules special tools used to provide extra information such as Tag Inspector Real Time HTML Viewer Tag Properties and other The code you entered is not valid Type the code from the image Self Made A blog on the self employed

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/25/Entrepreneurship_It_s_Not_Just_A_Woman_s_Work_Build_My_Biz (2016-02-14)
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  • WaPo Postmortem on the 2012 Debates
    Center Business Help Ask the Experts Taxes Business Strategy Business Law Marketing 101 Finance Accounting Health Care Reform Marketing Advertising Real Estate Information Technology NASE Minute Get Help Tax Healthcare Reform Health Marketing 101 Business Management Marketing Advertising Real Estate Calculators Business Breakeven Analysis Calculator Cash Flow Calculator Equipment Buy vs Lease Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog WaPo Postmortem on the 2012 Debates Wednesday October 24 2012 The 2012 Presidential debates are in the history books and the Washington Post s political writer Chris Cillizza has great quick read on how the debates may be viewed in perpetuity Click here to find out more on our Election Watch page Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views HTML Design and Preview Statistics and Resizer Editor Mode buttons Statistics module Editor resizer RadEditor please enable JavaScript to use the rich text editor RadEditor s Modules special tools used to provide extra information such as Tag Inspector Real Time HTML Viewer Tag Properties and other The code you entered is not valid Type the code from

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/24/WaPo_Postmortem_on_the_2012_Debates (2016-02-14)
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  • 5 Tips For Emails That Actually Get Opened [VIDEO]
    Member Survey NASE Issue Reports Self Employed Statistics Get Involved Tell your story Become a Media Contact Legislative Action Center Business Help Ask the Experts Taxes Business Strategy Business Law Marketing 101 Finance Accounting Health Care Reform Marketing Advertising Real Estate Information Technology NASE Minute Get Help Tax Healthcare Reform Health Marketing 101 Business Management Marketing Advertising Real Estate Calculators Business Breakeven Analysis Calculator Cash Flow Calculator Equipment Buy vs Lease Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog 5 Tips For Emails That Actually Get Opened VIDEO Tuesday October 23 2012 Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views HTML Design and Preview Statistics and Resizer Editor Mode buttons Statistics module Editor resizer RadEditor please enable JavaScript to use the rich text editor RadEditor s Modules special tools used to provide extra information such as Tag Inspector Real Time HTML Viewer Tag Properties and other The code you entered is not valid Type the code from the image Self Made A blog on the self employed and micro business Meet the NASE Staff Bloggers Katie Vlietstra

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/23/5_Tips_For_Emails_That_Actually_Get_Opened_VIDEO (2016-02-14)
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  • 4th and 5th ACA Webinars
    Become a Media Contact Legislative Action Center Business Help Ask the Experts Taxes Business Strategy Business Law Marketing 101 Finance Accounting Health Care Reform Marketing Advertising Real Estate Information Technology NASE Minute Get Help Tax Healthcare Reform Health Marketing 101 Business Management Marketing Advertising Real Estate Calculators Business Breakeven Analysis Calculator Cash Flow Calculator Equipment Buy vs Lease Investment Annual Rate of Return Calculator Mortgage Mortgage Loan Calculator Retirement Savings and Planning 401 k Calculator How long will my retirement savings last Tax 1040 Tax Calculator Payroll Deductions Calculator Self Employment Tax Calculator Helpful Links ASBDC Member Directory Search My NASE About Me Account Benefits Optional Benefits Payment Details Expert Questions Email Subscriptions Membership Directory Self Made NASE s Blog 4th and 5th ACA Webinars Friday October 19 2012 The fourth and fifth ACA educational webinars will be made available early next week in the meantime you can review the slidedecks ACA Educational Webinar 4 ACA Educational Webinar 5 Comment Your name Click to add Email optional Click to add Comment RadEditor HTML WYSIWYG Editor MS Word like content editing experience thanks to a rich set of formatting tools dropdowns dialogs system modules and built in spell check RadEditor s components toolbar content area modes and modules Toolbar s wrapper Content area wrapper RadEditor hidden textarea RadEditor s bottom area Design Html and Preview modes Statistics module and resize handle It contains RadEditor s Modes views HTML Design and Preview Statistics and Resizer Editor Mode buttons Statistics module Editor resizer RadEditor please enable JavaScript to use the rich text editor RadEditor s Modules special tools used to provide extra information such as Tag Inspector Real Time HTML Viewer Tag Properties and other The code you entered is not valid Type the code from the image Self Made A blog on

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/19/4th_and_5th_ACA_Webinars (2016-02-14)
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  • Featured Member: Ellen Bruseau Of Handy Human, LLC
    fully licensed and insured company offering exceptional service in painting tile and flooring for residential properties After leaving academe I started doing things in my own home Soon neighbors and friends began asking me to paint tile build things and lay flooring for them as well The business grew out of those grass roots Besides basic home improvements I also reupholster and refinish furniture and do basic handy human type jobs Do you have a favorite type of work I love clients that want to do creative things in their homes whether it s a cool paint and molding job on a ceiling custom built in solutions for storage or a fancy tile job What s the most effective way you ve found to market your business Word of mouth from happy clients Referral work most often lands me the contract Angie s List is a decent source of jobs as well What s your biggest success as a business owner Remodeling a small master bath for a client which I took down to the structural bones and rebuilt to her specifications with a barrier free shower very modern fixtures and unusual materials How has the NASE helped your business The advice and motivation in the magazine are reassuring and helpful especially concerning the steps necessary to start up and negotiating less fun tasks like bookkeeping What s the greatest reward you get from your work Happy clients who can t wait to tell their friends about me because I ve kept them informed about their home completed the job down to the last details helped them find solutions to problems and left their home cleaner than I found it Any advice for your fellow NASE Members Pay attention to what is going on in Washington We need advocacy to

    Original URL path: http://selfemployed.nase.org/about-us/self-made-nase%27s-blog/self-made/2012/10/19/Featured_Member_Ellen_Bruseau_Of_Handy_Human_LLC (2016-02-14)
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