Friday, September 2, 2016

Celebrating U.S. Labor Day Weekend | 2016

A Deep Dive Into Some Things We're Celebrating This Labor Day Weekend


158.5 million | The number of people age 16 and over in the nation's labor force as of May 2015.


Source: U.S. Bureau of Labor Statistics, Table A




Top 10 occupations in U.S.


clerks
















































Largest Occupations May 2015 No. of employees
Retail sales 4,612,510
Cashiers 3,478,420
Food preparation 3,216,460
Office clerks, general 2,944,420
Registered nurses 2,745,910
Customer service 2,595,990
Food servers 2,505,630
Freight, material movers 2,487,680
Secretaries and admin 2,281,120
Janitors and cleaners 2,146,880

Source: U.S. Bureau of Labor Statistics, Occupations with the Highest Employment, May 2015




Say Goodbye to Summer


north_beach_chicago


Labor Day is celebrated by most Americans as the symbolic end of the summer and the start of the back-to-school season.


25,214 |The number of shoe stores for back-to-school shopping in 2014. Also catering to back-to-school needs were 28,138 family clothing stores; 7,898 department stores; 7,351 children and infants' clothing stores; 6,823 office supply and stationery stores; and 6,888 book stores.


Source: U.S. Census Bureau, 2014 County Business Patterns


21,830 | The number of sporting goods stores nationwide in 2014. Examples of these types of stores include athletic uniform supply, fishing supply and exercise equipment, as well as bicycle and golf pro shops. In U.S. sports, college football teams usually play their first games the week before Labor Day, with the NFL traditionally playing its first game the Thursday following Labor Day.


Source: U.S. Census Bureau, 2014 County Business Patterns, NAICS 451110


53,306 |  The number of travel agents employed full time, year-round in the U.S. in 2014. In addition, there were 15,875 tour and travel guides employed full time, year-round nationwide. On a weekend intended to give U.S. workers a day of rest, many people climb into their drivers' seats or board an airplane for a quick end of the summer getaway.


Source: U.S. Census Bureau, 2014 American Community Survey, Table B24124


904,084 |The number of paid employees (for the pay period including March 12) who worked for a gasoline station in the U.S. in 2014.Oregon (10,629 paid gasoline station employees) and New Jersey (17,411 paid gasoline station employees) are the only states without self-service gasoline stations. Oregon was the first state to make Labor Day a holiday in February 1887.


Source: U.S. Census Bureau, 2014 County Business Patterns, NAICS 447


The Commute to Work


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New York City Labor Day Parade, circa 1910, Library of Congress via Flickr Commons


6.3 million |T he number of commuters who left for work between midnight and 4:59 a.m. in 2014. They represented 4.5 percent of all commuters. The most common time was between 7 a.m. and 7:29 a.m. – with 20.6 million commuters.


Source: U.S. Census Bureau, 2014 American Community Survey, Table B08132


4.5% | The percentage of workers age 16 and over who worked at home in 2014.


Source: U.S. Census Bureau, 2014 American Community Survey, Table B08128


76.5% | The percentage of workers age 16 and over who drove alone to work in 2015. Another 9.2 percent carpooled and 0.6 percent biked to work.


Source: U.S. Census Bureau, 2014 American Community Survey, Table S0801


26.0 minutes | The average time it took workers in the U.S. to commute to work in 2014. New York (32.6 minutes) and Maryland (32.3 minutes) had the most time-consuming commutes.


Source: U.S. Census Bureau, 2014 American Community Survey, Table R0801


See also on SmallBusiness.com


Get Ready For Labor Day, September 5, With These Last Minute Promotional Ideas


Thursday, September 1, 2016

Answers to Health Insurance Questions if Your Business Has Less than 50 Employees



No matter how many times it is repeated, there are many people who don't realize that small businesses with fewer than 50 employees (or the “full-time equivalency” of 50 employees) are NOT required to purchase health insurance coverage for their employees. However, if you DO choose to provide insurance to employees, you can purchase it through a local insurance agent or there is a marketplace in which to purchase coverage. Such marketplaces can are run by either states or the federal government and are called the SHOP marketplace. (Individuals do not have access to SHOP marketplaces, only small group organizations.) Here are some frequently asked questions about SHOP marketplaces. Below the FAQ, you can find a glossary of terms found on the website Healthcare.Gov.




Do I have to provide my employees with health coverage if I have fewer than 50 employees? No!


You do not have 50 or more full-time equivalent (FTE) employees, you do not have to provide health insurance. However, you can choose to offer insurance through the SHOP Marketplace in your state or through any other source. But you don't have to, and you don't face a penalty if you don't.


If you have 50 or more employees, you may have to offer health coverage meeting certain standards or make a payment. Learn about the Employer Shared Responsibility Payment.


What if I'm self-employed?


If you're self-employed with no employees, here are your options:


You can enroll in coverage through the Health Insurance Marketplace for Individuals & Families.


You cannot enroll in a SHOP plan.


Learn more about how self-employment is defined. If you have at least one full-time employee other than yourself, a spouse, a family member, or another owner, you can enroll in a SHOP plan.


How do I make payments for my SHOP plan?


You make your premium payments to the SHOP Marketplace, not your insurance company.


Learn more about paying your SHOP premiums (PDF).


Where can I get a list of agents and brokers in my area?



  • After you create a SHOP Marketplace account, log in and you'll see a list of agents and brokers searchable by ZIP code. All of them have signed privacy and security agreements with the SHOP Marketplace that allow them to sell SHOP plans.

  • See how to create a SHOP Marketplace account and log in.

  • You can work with any agent or broker who's signed the SHOP agreement. Ask any agent or broker you want to work with if they've signed it.


Healthcare.Gov Glossary


Are you confused by any of the terms mentioned in the questions or answers above? Click on any of these terms and you can find out what they mean. (Note: These links leave SmallBusiness.com and will take you to the Healthcare.gov website.)































































































































































































































































































































































































































































































A G P
Accountable Care Organization Generic Drugs Patient Protection and Affordable Care Act
Accreditation Gold Health Plan Patient-Centered Outcomes Research
Actuarial Value Grandfathered Payment Bundling
Advance Premium Tax Credit (APTC) Grandfathered Health Plan Penalty
Affordable Care Act (ACA) Grievance Pension (Retirement Benefit)
Affordable coverage Group Health Plan Physician Services
Agent Guaranteed Issue Plan
Alimony Guaranteed Renewal Plan ID
Allowed Amount H Plan Year
Annual Deductible Combined HIPAA Eligible Individual Platinum Health Plan
Annual Limit Habilitative/Habilitation Services Point of Service (POS) Plans
Appeal Hardship Exemption Policy Year
Application ID Health Care Workforce Incentive Pre-Existing Condition
Attest/Attestation Health Coverage Pre-Existing Condition (Job-based Coverage)
Authorized Representative Health Insurance Pre-Existing Condition Exclusion Period (Individual Policy)
B Health Insurance Marketplace Pre-Existing Condition Exclusion Period (Job-based Coverage)
Balance Billing Health Maintenance Organization (HMO) Pre-existing Condition Insurance Plan (PCIP)
Benefit Year Health Plan Categories Preauthorization
Benefits Health Reimbursement Account (HRA) Preferred Provider
Biosimilar Biological Products Health Savings Account (HSA) Preferred Provider Organization (PPO)
Brand Name (Drugs) Health Status Premium
Broker High Deductible Health Plan (HDHP) Premium Tax Credit
Bronze Health Plan High-Cost Excise Tax Prescription Drug Coverage
C High-Risk Pool Plan (State) Prescription Drugs
COBRA Home Health Care Prevention
Cancelled Debts Home and Community-Based Services (HCBS) Preventive Services
Capital Gains Hospice Services Primary Care
Care Coordination Hospital Outpatient Care Primary Care Physician
Catastrophic Health Plan Hospital Readmissions Primary Care Provider
Centers for Medicare & Medicaid Services (CMS) Hospitalization Prior Authorization
Certified Application Counselor Household Public Health
Children's Health Insurance Program (CHIP) I Q
Chronic Disease Management In Person Assistance Personnel Program Qualified Health Plan
Claim In-network Coinsurance Qualifying Health Coverage
Co-op In-network Copayment Qualifying Life Event (QLE)
Coinsurance Inconsistency (Data Matching Issue) R
Community Rating Individual Health Insurance Policy Rate Review
Competitive Bidding Inpatient Care Reconcile
Complication of Pregnancy Insurance Co-Op Reconstructive Surgery
Conversion Interest Referral
Coordination of Benefits Investment Income Rehabilitative/Rehabilitation Services
Copayment J Reinsurance
Cost Sharing Job-based Health Plan Rental or Royalty Income
Cost Sharing Reduction (CSR) L Rescission
Court Awards Large Group Health Plan Retirement Benefit (Pension)
Creditable Coverage Lawfully Present Rider (exclusionary rider)
D Lifetime Limit Risk Adjustment
Data Matching Issue (Inconsistency) Limited cost sharing plan S
Deductible Long-Term Care Same-Sex Marriage
Dental Coverage M Second Lowest Cost Silver Plan (SLCSP)
Department of Health and Human Services (HHS) Marketplace Self-Employment Income
Dependent Medicaid Self-Employment Ledger
Dependent Coverage Medical Loss Ratio (MLR) Self-Insured Plan
Disability Medical Underwriting Service Area
Dividend Medically Necessary Silver Health Plan
Domestic Partnership Medicare Skilled Nursing Care
Donut Hole, Medicare Prescription Drug Medicare Advantage (Medicare Part C) Skilled Nursing Facility Care
Drug List Medicare Hospital Insurance Tax Social Security
Durable Medical Equipment (DME) Medicare Part D Social Security Benefits
E Medicare Prescription Drug Donut Hole Social Security Survivors Benefits
Early and Periodic Screening, Diagnostic, and Treatment Services (EPSDT) Member Survey Results Special Enrollment Period (SEP)
Eligibility Assessment Minimum Essential Coverage (MEC) Special Health Care Need
Eligible Immigration Status Minimum value Specialist
Emergency Medical Condition Modified Adjusted Gross Income (MAGI) Spousal Abandonment
Emergency Medical Transportation Multi-Employer Plan Stand-alone dental plan
Emergency Room Care Multi-State Plan State Continuation Coverage
Emergency Services N State Health Insurance Assistance Program (SHIP)
Employer Shared Responsibility Payment (ESRP) Navigator State Insurance Department
Employer or Union Retiree Plans Net Capital Gains State Medical Assistance Office
Essential Health Benefits Net Rental Income Subsidized Coverage
Exchange Network Summary of Benefits and Coverage (SBC)
Excluded Services Network Plan Supplemental Security Income (SSI)
Exclusive Provider Organization (EPO) Plan New Plan T
Exemption Non-preferred provider TRICARE
Exemption Certificate Number (ECN) Nondiscrimination TTY
External Review Not Yet Accredited (Health Plan) Tax Household
Notice Tax filing requirement (for dependents)
F Total Cost Estimate (for health coverage)
Family and Medical Leave Act (FMLA) O Transgender People
Federal Poverty Level (FPL) Obamacare U
Federally Qualified Health Center (FQHC) Open Enrollment Period UCR (Usual, Customary, and Reasonable)
Federally Recognized Tribe Original Medicare Uncompensated Care
Fee Out-of-Network Coinsurance Urgent Care
Fee For Service Out-of-Network Copayment V
Flexible Benefits Plan Out-of-Pocket Costs Value-Based Purchasing (VBP)
Flexible Spending Account (FSA) Out-of-Pocket Estimate Vision Coverage
Formulary Out-of-pocket maximum/limit W
Full-Time Employee (FTE)   Waiting Period (Job-based coverage)
Fully Insured Job-based Plan Well-baby and Well-child Visits
Wellness Programs
Worker's Compensation
Z
    Zero cost sharing plan

 

Wednesday, August 31, 2016

How 'Parks And Rec' Embraced Diversity And Shattered Stereotypes

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I miss 'Parks and Rec', I really do. It was one of the best shows on television -- fresh, funny, heart-warming, relatable and riveting. It strayed from its 'Office' co-relation in a big way because of one thing: the people in the 'Parks and Rec' office liked each other. They supported, loved and rooted for each other. They even stopped their whole lives and put a pause on their daily tasks just to help their best friend and boss, Leslie Knope, (played by the crazy talented Amy Poehler) run a campaign when her hired team quit on her. These co-workers were her very best friends, and she was theirs. What a Hufflepuff show if there ever was one.



'Parks and Rec' had Amy Poehler's golden touch all over it. It was smart and hilarious without ever going in the dirt for jokes. It had a diverse and vibrant cast that brought the plot to the next level and gave it a life of its own. Each actor's character was their own actual personality, and that's what gave each episode script its strength. Here are some of the main 'Parks and Rec' characters, and how they are shown as multifaceted, real people instead of silly and even harmful stereotypes:



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1. April Ludgate-Dwyer



Our dour little heroine has never changed for anybody, not even her goofy lovable husband Andy. The writers never made it seem like she had to change her dark and brooding personality to be with someone as sunshine happiness as Andy. He never had to "save her" from her own self-imposed misery like a damsel in distress. He let her be her, with her Halloween soundtracks, unique art galleries and love of animals. He loved her because of those things. Aubrey Plaza's character was goofy and child-like just like him, which is how they got along so well, but April Ludgate-Dwyer was always going to be the queen of darkness no matter what. How inspiring.



In the show, April also fully embraced her Puerto Rican heritage, and frequently speaks Spanish on the show. The writers never made April a "fiery Latina," she was quiet and introverted and true to herself. The fact that she had Latin heritage and spoke Spanish did not put her into a box of what her personality could be, it wasn't a focal point or something to be gawked at, it's just who she was. Being Latina gave April a chance to still just be human and love her culture as a part of her, and that is so realistic.



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2. Donna Meagle



Donna Meagle is beyond fabulous, and she knows it. She always has. The writers of 'Parks and Rec' let comedian and actress Retta just be herself, and it shines through with Donna. Donna Meagle is a curvy black woman, beautiful, vivacious and unapologetically confident. She doesn't have to go through a makeover to get her confidence, she's not validated by men's opinions on her looks. She just knows she's gorgeous and wants us to know it too, and boy, do we know it. She's the princess and manager of the office, smart, savvy, sassy and kind. Donna has her side business of being a realtor of her own company, "Regal Meagle," which eventually becomes her main job after leaving the Parks department. She is flirty and progressive in her dating life and the show never makes a spectacle out of it, laughs at it or make it seem abnormal that a curvy black woman could be the object of desire for many men.



But more than just her looks, Donna Meagle is a revolutionary character for her heart. She cares deeply about the people in her department. In her personal life in earlier seasons, she acts emotionally unavailable, bouncing around between people until she finally settles down with someone who truly loves and cares for her. She becomes softer and more open in that way. She's still the same old confident fashionable Donna, but one that we grow and learn with as well.



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3. Tom Haverford



Tom Haverford is suave, or at least he thinks he is. Tom was born in South Carolina, just like actor Aziz Ansari, and now lives in small town Pawnee, Indiana. Tom's obsession with fashion, hip-hop music and elite culture is not typical of a Pawnee citizen, which is what makes him so great. He is of Indian nationality and is one of very few Indian men on television who were portrayed as real romantic interests for female characters.



Tom is goofy and lovable, he loves his lavish lifestyle and chasing after women. He wants to be successful in his business ventures and most of the time succeeds. The writers do not put a stereotypical or racist accent with his character being of Indian nationality, they do not make him stereotypically nerdy or bad with women, quite the opposite actually. Tom is able to land a few women, prefers social media and his iPhone to books and has a complex personality of his own. He never tries to be anyone but himself, which is why he is one of the most beloved characters on the show. His journey to maturing is an interesting one to watch, and I'm glad the writers just let him do his thing.



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4. Ben Wyatt



Ben Wyatt is the most "normal" of all the 'Parks and Rec' characters. If the audience was a member of the show, we would be Ben. (As much as we love Li'l Sebastian, isn't he really just a tiny horse??) Ben Wyatt is a nerd, but he is not a stereotypical one. The writers of this show did not make Adam Scott's character an antisocial, video-game-playing, awkward nerd-boy type. He talks passionately about his interests, has fun with his friends, lands a girlfriend, Leslie Knope, who becomes his wife and stays himself the entire time. There was no need for a transformation for him to not act like his true nerdy self, to buff up or change who he is at his core.



The characters embrace him for his love of accounting, the board game he creates called Cones of Dunshire, and 'Game of Thrones'. They might poke fun at him for buying a full-fledged Batman costume at the mall, but ultimately the characters just let Ben be himself. His strengths in what he loves ultimately help carry the show along, and showing a nerdy guy type as a normal, well-rounded and interesting character without a chip on his shoulder or a vendetta towards others was really refreshing.



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5. Ron Swanson



Ron Swanson is a red-meat-eating, deer-hunting, sax-playing libertarian in a very liberal show. He is the yin to Leslie Knope's yang, explaining throughout the show how he wants the government to be privatized, how businesses do not deserve bailouts, how citizens should be responsible for our own health and wellness, and more. Though Nick Offerman's character has completely opposing views to Leslie Knope, he is not written as just a stereotypical man's man bureaucrat. He is a feminist who believes and admires the strength of women, even revels in it in his personal relationships. He respects Leslie's opinions, stands by his own and has thoughtful and rational discussions with others about his views.



He is a quiet but fearsome force in the show, bringing heart, courage and respect with his character. His conservative views are not demonized but are rightfully discussed and argued with in a courteous way. Leslie and Ron offered viewers a chance to see what a poignant discussion would be in between opposing political stances in an ideal world. Neither shies away from how they think government should be run, and the writers present their views in a positive, light and humorous way. Ron Swanson is ultimately a very kind but firm person, resonating with audience members and giving a political diversity to the show as well. His friendship with Leslie shows that we don't have to agree on everything in life, that we can be complete opposites and still show basic respect for one other's humanity.



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There are even more characters on the show that are written without stereotypes that I would love to highlight as well. Of course, there is the lovable goof Andy Dwyer, played by Chris Pratt. He is shown to be silly and sporadic but ultimately gets the job, wife, family and friends that he wants simply because he went after his passions, followed his heart and was too good to his friends along the way. The writers didn't portray him as just a lumbering oaf who got in everyone's way or on everyone's nerves.



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There's Chris Traeger, played by Rob Lowe who is the stereotypical happy go lucky, always-has-a-smile on his face kind of boss until he suffers from a very realistic portrayal of depression. He realizes that he is getting older, and his body will not always be in the shape and state that it is. But the writers don't make fun of his age or his body with cheap jokes, they let him progress naturally with proper therapy, love from his friends, a few relationships, Champion the three-legged dog, and most importantly himself.



That's what the heart of this show is: just being yourself. The writers let the cast shine in their strengths and abilities to make this show soar, and they did an incredible job in trusting them. Their real life personalities brought multiple layers, diversity, humor and heart to each and every character. No character was just a blatant caricature or washed-up, overused stereotype. Each was unique, approachable and just fully human. 'Parks and Rec' is sorely missed because of how it brought this level of realness to television, and I wish for many more shows and characters in the future to be like that.



This article originally appeared in Movie Time Guru.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Here's the Key to Making a Great Presentation (It's Simple)

The Key to a Great Presentation:

Have a good beginning and a good ending

and put them as close together as possible.


Come to the think of it, this advice works for lots more than presentations. Know what you want to say, then say it. It's trying to explain all that stuff in the middle that get's people confused, including ourselves.


Note | While a variation of this quote is often attributed to a wonderful comedian who lived to be 134 years old, the source of the quote has never been cited according to our go-to experts on un-cited quotes, WikiQuote.com.

Small Businesses Using Web and Mobile Apps in Record Numbers | 2016



Most small businesses in a four-nation survey are using the cloud and relying on apps to run their business, according to research released by Intuit. The study covered a total of 2,000 small businesses; 500 each in the U.S., Canada, the U.K. and Australia. Below are some highlights along with an embedded PDF of the survey findings.*




What percentage of small businesses surveyed use web or mobile apps?


68% | Use mobile or web-based apps in the operation of their business

82% | (Of those using apps) Use between one and six apps to run their business.

66% | Use a smartphone


While tech-savvy businesses are integrating apps in record numbers, they are also running into persistent barriers with existing apps


41% | Unsure of which apps are best suited for their business

39% | Concerned with costs to integrate and train on apps

23% | Complexity is a concern


The Appification of Small Business Report | 2016 (PDF)


To view the report use the arrows ( back) (forward ) at the bottom left corner of the reader. If you are having trouble viewing the report, click here.


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*In 2015, Intuit conducted a similar study of U.S. small businesses.


 

Tuesday, August 30, 2016

How to Plan and Conduct Regularly Scheduled Employee One-on-One Meetings



While the “annual employee review” is a staple at many companies, there are important reasons why a small business owner or manager should also have regularly scheduled meetings with individual staff members throughout the year. But planning such one-on-one (1:1) meetings between you and members of your staff requires planning and attention to detail–and so, they often get lost in the shuffle. Harvard Business School lecturer Julia B. Austin shares best practices for getting your 1:1's a regular part of your calendar.




Why 1:1's are so important



  • They demonstrate you care about each staff member as a person

  • Often, they are the only forum where you can have an honest, private, conversation with each other about what's really going on-professionally and personally

  • A leader who makes time for their team members-especially those who are also leaders-is less likely to suffer poor team performance due to ambiguity and mistrust.

  • Each 1:1 is an opportunity to clarify the goals of the organization and your performance expectations

  • They can help build a trusting relationship with your employees by getting to know them as people, not just workers


two men talking

Schedule 1:1's at regular intervals



  • Constructive 1:1's throughout the year turn annual reviews into goals-oriented sessions rather than backward-focused feedback.


Prepare for the 1:1



  • Focus on how you want the session to play out

  • Set clear expectations

  • Have a clear agenda

  • The process should include everyone; no one is being singled out

  • Set at regular intervals. It's ok to skip one every once and awhile, but having it locked into the calendar displays your commitment to being there for your employee.


Types of Topics for the 1:1


Do not use the meeting to re-hash things from a group meeting unless there are specific things you took off-line in that meeting or need to provide/get constructive feedback.



  • Professional growth

  • Personal connection

  • Giving each other feedback


Businesswomen


Before the 1:1 meeting



  • 24 hours or so before the meeting, email the employee a list of what you'd like to cover

    • Split the items between strategic, tactical and personal items



  • Ask the employee what they want to cover

  • For efficiency, let them know if they should bring/read/do something before the meeting.


During the 1:1 meeting



  • Review the agenda

    • Ask if there's anything else to add to the agenda



  • If there is something negative to review, try to bookend it with two positive topics

  • Do not monopolize the conversation; pause often and make sure there is the opportunity for discussion and questions

  • Always end the meeting asking them how things are going overall and if there is anything else you can do to help make them successful


After the 1:1 meeting



  • Follow up with an email that thanks them

    • Include information that was promised during the meeting

    • Reaffirm your willingness to help make them successful




VIA | Harvard Business Review,Master the One-on-One Meeting




 

Monday, August 29, 2016

Small Town, Rural Broadband Threatened by New State Laws | 2016



In our previous coverage of high-speed fiber internet networks that are slowly roling out across the country, we've mentioned that some cities and towns aren't waiting for big cable and phone companies to offer such service. Towns such as Chattanooga, Tenn., have turned to their city-owned electric utilities to develop municipal broadband networks. These city-run internet providers have increased competition in the broadband market by serving residents where commercial networks have been unwilling to go. The New York Times is reporting today that such municipal-run broadband networks are now caught in a legal battle between the Federal Communications Commission (for them) and  state legislators (against them) over the spread of municipal broadband networks.




This month, the United States Court of Appeals for the Sixth Circuit upheld restrictive laws in North Carolina and Tennessee that will halt the growth of municipal-own high speed internet access. While the decision directly affects only those two states, it has cast a shadow over dozens of city-run broadband projects started nationwide in recent years to help solve the digital divide.


Quote:


“In siding with the states, the court hobbled the boldest effort by federal officials to support municipal broadband networks. While the court agreed that municipal networks were valuable, it disagreed with the F.C.C.'s legal arguments to pre-empt state laws. Now, (small towns with plans to develop broadband networks) fear they have little protection from laws like those in about 20 states that curb municipal broadband efforts and favor traditional cable and telecom firms. City officials say cable and telecom companies that have lobbied for state restrictions will be encouraged to fight for even more draconian laws, potentially squashing competition that could lead to lower prices and better speeds to access the web.”


Continue reading on NYTimes.com: “Broadband Law Could Force Rural Residents Off Information Superhighway




VIA | Dhaluza at Wikipedia.org