Small business sentiment is on the rise to kick off 2020, with confidence nearing all-time highs, according to data from CNBC and SurveyMonkey. The CNBC/SurveyMonkey Small Business Confidence Index climbed two points in the first quarter, from 59 to 61, as concerns over trade policy impacts lessened, thanks to a trade deal with China and the signing of the USMCA. This is a sharp turnaround from the lows seen last summer as trade turmoil weighed on Main Street’s outlook.

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We had to terminate all of our employees. We talked about different options, like furloughing employees, which is a temporary termination. We talked to tons of other business founders and really leaned on legal advice to the extent that we could. In the end, we had to terminate all of our employees, which we thought was the best for them, because they could file for unemployment very quickly. When the seven-day wait period for filing for unemployment was waived, we felt that was the best way forward.

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When it comes to turning business challenges into opportunities, small business owners are quick, nimble, and creative. With state governments around the country shuttering all non-essential businesses to combat COVID-19 still in full swing, this is truer than ever.

But, unlike years past, where such an unprecedented closure would have put many small businesses out of business permanently, today they’re turning to mobility and connectivity in large numbers to keep their doors open—if only virtually.

For small business owners, tidying up your digital space means conducting a virtual sweep of your website and organizations security practices. I recommend that small business owners use the following cybersecurity spring cleaning checklist to ensure they don't miss any important items.

Spring Clean Your Website
The first step of cybersecurity spring cleaning is to deep clean your business website. By clearing out what you do not need, you can improve the overall health of your site.

Start with decluttering plugins and software. You should only keep the ones you're using and delete the rest to reduce your sites cybersecurity risk.

After you remove any plugins and software you are not using, make sure the ones you keep are updated. In addition, continue to proactively monitor your plugins and software on a regular basis and check for security updates.

It's also the perfect time to take a closer look at the data you're gathering from customers. Ask yourself if you are collecting information that truly benefits your business, such as information that drives value for marketing, sales, and services. If the type of information you collect has changed over time, delete any data and applications you're no longer using such as analytics code, remarketing snippets, affiliate tracking, and CRM tracking.

Social distancing amid COVID-19 has forced millions of businesses to set up remote workstations that rely solely on Web applications and services (SaaS) to conduct business operations.  According to a new survey by the Cyber Readiness Institute (CRI), the virtual workplace has increased cybersecurity concerns for small business owners, as most of them have not implemented remote working policies to address cybersecurity threats.

The survey, which included 412 small business owners, revealed that while most small business owners are concerned about cyberattacks, many  lack the resources to invest in necessary security measures – and  half of them are worried that remote work will lead to more cyberattacks. It revealed that only 40% of small businesses have implemented a cybersecurity policy. Around 40% of businesses stated that economic uncertainty prevents them from making security investments. While 46% have offered training to help their employees stay secure while working remotely.

Nearly 51% of business owners surveyed said they provided employees with technologies to improve cybersecurity for remote work. And 55% of them said they believe federal and state governments should provide funding for cybersecurity products and services.

Verizon Business today released findings from a recent survey, Small Business Response to COVID-19 to better understand the impact small business owners and decision makers feel COVID-19 has had on their businesses. The survey, conducted by Morning Consult, focused on 500 small and medium businesses that are currently open or plan to reopen. One of the survey’s key results is that small businesses have renewed confidence, with 68% believing they can recoup COVID-19 related losses.

Key Survey Findings:

As businesses grapple with the economic impact of COVID-19, these responses highlight the assistance small businesses feel they need, the communities they feel most supported by, and the changes they have made to adjust to the new normal.

1. A Renewed Confidence
The small businesses that have weathered this pandemic to date express an overall optimism and the financial wherewithal to eventually reopen.

68% of small businesses believe they can recoup COVID-19 related losses
46% (nearly half) of small businesses that remain open say their businesses will be able to stay open for more than six months if the pandemic continues in the same way
48% of small businesses say it’s unlikely they will need to resume operations with a smaller staff
While 78% of small businesses indicate declining sales, less than a quarter (24%) say that they have missed or withheld any payments of bills (rent, utilities, etc.).

Seventeen-year-old Avi Schiffmann is an entrepreneur. But he is a different kind of entrepreneur. He’s not in it for the profits, fame and continued growth opportunities. At least, not right now.

Schiffmann, a high school teenager who lives in Washington State, has attracted worldwide attention through his amazing Survival Rate Calculator website, which tracks critical information related to the coronavirus outbreak. Since launching the site during the early stages of the pandemic, Schiffmann's web crawlers have been configured to pull in, parse and process real time data from the World Health Organization, Centers for Disease Control and other governmental websites and convert that data to show infections, deaths, recoveries and rates of change for all countries around the world. The site breaks down infections on user-friendly maps, provides health information and also attempts to calculate a survival rate of someone who contracts COVID-19, based on user-submitted health data of age, gender and other health factors.

Is the site popular? You bet. According to a profile of Schiffmann on Business Insider, the site attracts about 30 million visitors a day and 700 million total so far.

Small businesses could soon see a rollback of several universally loathed measures attached to the original Paycheck Protection Program, the $669 billion loan and grant initiative aimed at helping small businesses keep employees on the payroll.

When the House convenes next Wednesday, it is expected to vote on the Paycheck Protection Flexibility Act, a standalone bill that would, among other things, lengthen the time businesses may spend the funds from their PPP loans. The bill would also eliminate the requirement that 75 percent of a loan's proceeds must be spent on employee pay and benefits. The measure was originally proposed on May 15 in the House by representatives Dean Phillips (D., Minn.) and Chip Roy (R., Texas).  

A price strategy is every bit as important as what you have got to sell. After all, they dictate what you will charge for the goods and services you have on the market. In the end, getting these pricing strategies right is a bit of a balancing act. You will need to find that sweet spot between market demand and maximum profits.

1. Competition Based Pricing Strategy
If you are selling things that are similar, this is the pricing strategy your small business should be looking at. Here’s how competitive pricing works. First off, this works best for products rather than services. It works when the price for those products has reached a balancing point between your business and others.

This pricing strategy starts out using the going market rate to set a price.

2. Value-Based Pricing
Basically this is pricing based on what customers are willing to pay.

There are several steps to this pricing model. You need to do a bit of detective work here to find a competitive product. Next, you will need to list all the ways your product is different. Stress the financial value on these differences. This is a reasonable way to defend your pricing strategy.

One of the most important organizations that has always helped small businesses is SCORE with its 300 chapters and over 10,000 volunteers. They are there to offer help when entrepreneurs want it. Now during the pandemic, their free assistance is needed more than ever.

SCORE has established a special Resilience Hub to let small business owners connect with a mentor and help them navigate to specific COVID resources, discounts, grants, training materials and guides for industries. This site includes how to access a network where people can learn from each other.

Here is something good that has come out of the pandemic. Because people have had fewer buying opportunities, the countrys personal savings rate is the highest it’s been in 30 years. Retail sales have continued to grow and consumer confidence is at a six-month high.

But the biggest impact on the sales of smaller retailers has been online. According to the U.S. Department of Commerce, online sales have increased more than 44% compared with the previous year and, as more shutdowns, quarantines and other disruptions potentially loom, many expect this trend to continue. Small retailers in this area know this, and many have been investing heavily in e-commerce to succeed this holiday season.

The end of the year is a critical time for businesses especially for small businesses that are looking to make the most out of holiday shopping. 23ABC spoke with two business consultants on how small businesses can adapt to make the most out of this final stretch of 2020.

Starting with investing in your community.
Their second piece of advice is to build an honest and transparent relationship with your customers and business neighbors.
As times have slowed down, they are encouraging business owners to take a good look at who their ideal client is and reshape their marketing for them.
Lastly, being collaborative and creative.

A business owner who spent nearly $46 million over the years on Facebook ads said he got booted from the platform without warning.

Jordan Nabigon, the CEO of the Ottawa, Ontario, content-curation site Shared, said Facebook deleted his companys main Facebook page without warning in October, and without providing an explanation. He shared a Medium post detailing his experience, which has received more than 400 claps from readers.

Nabigon spent $45,870,181 on Facebook advertising between 2006 and 2020 for Shared and his other company Freebies, according to expense reports reviewed by Business Insider. Shared employees three people full-time and 12 contract writers, Nabigon said.

Facebook increased its use of artificial intelligence to oversee advertising and other content during the COVID-19 pandemic, and Nabigon is among hundreds of business owners who said they suffered from Facebook's crackdown on ad policies.

The accelerated churn rate of the S&P 500 indicates that at least half of todays top U.S. companies will get replaced by someone new over the next decade. That is a mind-boggling market value of $13.5 trillion up for grabs. And the craziest part is who replaces the old market leaders: It is often companies that, just a few years before, were considered scrappy little startups.

To unseat a champion, a smaller company has to play by a completely different set of rules.

1. Change the basis of competition.
2. Exploit taboos.
3. Optimize for power.
4. Dramatic simplification.

After the pandemic knocked the wind out of our economy, recovery plans focused mainly on saving existing small businesses rather than breathing life into new ones. Yet entrepreneurship is critical to emerging from the Covid-induced recession. Startups drive almost all net new-job creation. They contribute disproportionately to innovation, breaking new ground while also spurring midsize and large companies to follow suit. And perhaps most important in the current climate, startups are well-positioned to respond to drastic changes in consumer and business behavior, recognizing and acting on opportunities born of adversity.

For aspiring entrepreneurs, student debt reduces the amount of cash avail­able for startups and affects their credit score, making business loans tough to secure. It also renders more daunting the prospect of failure, which increases risk aversion.

Millions of businesses across the country are struggling, yet many are not taking the latest version of government aid: a second round of Paycheck Protection Program (PPP) loans. This is not happening because businesses are better off than they were last year; it is because the PPP still contains structural blockers that are stopping businesses from obtaining the aid they urgently need.

A recent survey by the Federal Reserve Bank found that 30% of U.S. small businesses — totaling 9 million — fear they will not make it through 2021 without more government assistance. And yet, many are not applying for aid. The Small Business Administration (SBA) reports that seven weeks after round two of PPP began, nearly half the funds remain, and only 31% of 2020 PPP loans have been forgiven to date.

Work in clojure for any length of time, and you must get used to the idea that data structures are immutable. For programmers coming from imperative languages this can be jarring, (no loop counters? recursion? wtf?) but after a while, you start to get it, then you start to like it, then you start to rely on it - or at least I have.

To such an extent that it's jarring not to have them. After a recent javascript coding session, I tweeted: "clojure's immutability has forever spoiled me - destructive operations in other langs feel like bugs now."

This prompted Joshua Kerevsky to ask me via email to elaborate, as he has been talking about safety in programming lately. This is a revision of my answer...

Clojure¹ is safer (in this sense) because there are never any side-effects when working with data. Languages with side-effects on data (i.e. pretty much every other language I've used) require the programmer to keep a mental model of application state and/or adopt defensive programming styles to avoid bugs caused by them.

The idea is illustrated by these two examples (I used chrome console and the leiningen repl to run them):

javascript:

clojure:

Javascript arrays are mostly (but not always) manipulated via destructive operations such as sort(), while in clojure, the js array's closest analogue (a vector) is never changed by functions that consume it. It's this "mostly" vs "never" distinction that gives rise to a paranoid feeling that I might be breaking things if I forget something in javascript. I also need to learn more "tricks" to get things to work as I expect. To get the javascript version to behave like the clojure one, we must explicitly copy the array e.g. like this:

(bonus: try leaving the var off in front of the concat expression and see how "safe" this version is)

One could argue that it is simply bad form to write javascript and expect it to behave like clojure, but entire books have been written to explain to programmers how to avoid side-effect pitfalls in javascript - and the language is almost unusable without them.

In clojure, there's much less need² for this kind of "meta language documentation" - and none for protecting data. It's guaranteed not to change. In the example above, the most likely thing to trip up a programmer new to clojure is the need for doall (leave it out and nothing prints since map is lazy - in the repl you'll need to assign the output to see the difference - e.g. (def foo (listFruits fruits)). This is still a bug, but it's one limited to the function in question, not the entire code base.

So my conclusion is that clojure is safer because it has fewer (and much less dangerous) gotchas, the impact of mistakes is limited to the scope of the offending line of code (which will likely be a function or even a let block) and you never³ have to keep a mental model of how state is changing as the instruction pointer advances. It's all right there in front of you.

We all make mistakes, but in clojure, mistakes are limited to the context of the function and never due to implicitly mucking about with application state. This adds confidence when making changes, that is simply not there in languages that cannot make such guarantees.

^[1]Clojure is not the only language that features immutability of course - it just happens to be one I use a lot, and like programming in; nor is js alone in having side-effects; i.e. this isn't about championing clojure (or bashing js) it's about immutability, so feel free to substitute your [least] favorite languages as you see fit.

^[2] So far at least. Clojure is still young yet, but I don't expect it'll gain this kind of cruft, if for no other reason than because it won't share javascript's experience of being in the front-line of the browser wars.

^[3] Wanton use of clojure constructs such as ref, atoms & agents can of course lead to such an environment; however even so, clojure provides well-defined protocols for managing change. If the programmer still creates a state-management hell, that's on the coder - as are most problems in coding; no language can enforce safety, only make it easier or harder.

I really ought to blog about making Good Omens (we're in week 4 of shooting) and making Anansi Boys (starts shooting next week), and about the astonishing Ocean at the End of the Lane play at the Duke of York's Theatre in London (and now that I've said this, I know I will) but yesterday I spoke (via Zoom, because of Covid Protocols) at COP26, the Conference of the Parties on Climate Action, and I thought I ought to just put what I said up here. So it doesn't get lost.

Web Goblin here.

Two years and five blog posts ago, we were introduced to the 25th Anniversary edition of Little, Big or, The Fairies' Parliament, by John Crowley, with art by Peter Milton.

At the time, there were 300 numbered editions, all of which had been pre-sold some dozen years earlier. Deep Vellum has since managed to produce another 65 copies of which around 40 are available for purchase.

Additionally, around 200 copies of the trade hardcover are still available. This is the "green edition" featuring a dust jacket containing an essay by Mr. G.

Deep Vellum is offering a 10% discount code, "littlebig40", which can be used for the trade edition, numbered edition, and/or for a poster between now and the equinox, September 21.

More details here.

Title: See How Your Life Affects Your Skin
Category: Slideshows
Created: 5/30/2012 12:00:00 AM
Last Editorial Review: 7/13/2022 12:00:00 AM

Title: minocycline
Category: Medications
Created: 7/29/2022 12:00:00 AM
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Fliege zum Unfallort, sammle die Verletzten ein und fliege sie zum Krankenhaus. Auch für bekennende Hasser der RTL-Serie unterhaltsam ;)

Title: Bad Breath (Halitosis)
Category: Diseases and Conditions
Created: 12/31/1997 12:00:00 AM
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