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www.OhioMBE.com Inside this issue: Page 2: Government Briefs Page 4: Business Updates Page 6: Bid Noces Page 8: EmployOhio Job Board Page 10: Ohio Diversity Network Advocating, Informing and Promoting Small & Minority Owned Businesses www.OhioMBE.com FREE May 1, 2016 Published by The 912 Group, ltd. Ronda Watson Barber—Publisher/Editor-in-Chief Volume 7—No. 8 Small Business is Good Business! WE GOT BIDS! Page 6 Get OhioMBE delivered to your inbox. Visit www.OhioMBE.com Oscar Robertson Looking for a graduaon giſt? Columbus graduate pens book for college -bound students Looking for a graduaon giſt for a high school student? Author Quenn M. Jones may have the answer. Jones has wrien a book, “How to Maneuver Through Col- lege: What They Don’t Tell You,” to help students successfully maneuver through college. A Columbus nave, Quenn excelled in both the classroom and on the playing field. The Northland High School gradu- ate was a top ranked defensive tackle who earned a scholarship to UTEP. He finished his athlec and academic career at the University of Charleston in West Virginia. Quenn graduated in May 2014 with my Bachelor of Science in Business Administraon with a concentraon in Internaonal Business. In December 2015, he earned a Master of Science with a concentraon in Strategic Leadership from the University of Charleston West Virginia and graduated with a 4.0 GPA. “I never ever thought I would write a book. It’s sll a lile weird when someone refers to me as an author. The idea came up aſter I was having a conversaon with one of my parent’s friends who had a child in college. She just asked me for advice that could help her son through college,” he said. “In college, there are a lot of things that they don’t tell you or fail to menon. I wanted to bring some of those things to light, so the students coming up will be more prepared” Quenn wants to inspire and share his experiences to help other students, parcu- larly students who live in poverty. See College on page 8 Quentin Jones

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Page 1: WE GOT bound students BIDS! - OhioMBEohiombe.com/wp-content/uploads/2016/05/512016.pdf · period every two years to allow employers to evaluate the services of their current MO and

www.OhioMBE.com

FREE

Inside this issue:

Page 2: Government Briefs Page 4: Business Updates Page 6: Bid Notices Page 8: EmployOhio Job Board Page 10: Ohio Diversity Network

Advocating, Informing and Promoting Small & Minority Owned Businesses

www.OhioMBE.com FREE

May 1, 2016

Published by The 912 Group, ltd.

Ronda Watson Barber—Publisher/Editor-in-Chief

Volume 7—No. 8

Small Business is Good Business!

WE GOT

BIDS! Page 6

Get OhioMBE delivered to your inbox.

Visit www.OhioMBE.com

Oscar Robertson

Looking for a graduation gift?

Columbus graduate pens book for college-bound students

Looking for a graduation gift for a high school student? Author Quentin M. Jones may have the answer. Jones has written a book, “How to Maneuver Through Col-lege: What They Don’t Tell You,” to help students successfully maneuver through college. A Columbus native, Quentin excelled in both the classroom and on the playing field. The Northland High School gradu-ate was a top ranked defensive tackle who earned a scholarship to UTEP. He finished his athletic and academic career at the University of Charleston in West Virginia. Quentin graduated in May 2014 with my Bachelor of Science in Business Administration with a concentration in International Business. In December 2015, he earned a Master of Science with a concentration in Strategic Leadership from the University of Charleston West Virginia and graduated with a 4.0 GPA. “I never ever thought I would write a book. It’s still a little weird when someone refers to me as an author. The idea came up after I was having a conversation with one of my parent’s friends who had a child in college. She just asked me for advice that could help her son through college,” he said. “In college, there are a lot of things that they don’t tell you or fail to mention. I wanted to bring some of those things to light, so the students coming up will be more prepared” Quentin wants to inspire and share his experiences to help other students, particu-larly students who live in poverty.

See College on page 8

Quentin Jones

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Page 2

OhioMBE

OhioMBE is published on the

1st and 15th of each month

and is distributed free by The

912 Group, LTD. The pub-

lisher reserves the right to

edit, reject or cancel any ad-

vertisement or editorial copy

at any time and will not be

responsible for checking the

accuracy of items submitted

for publication.

The views expressed in

OhioMBE are those of the

author and do not necessarily

reflect the views or opinions

of The 912 Group or our ad-

vertisers.

Copyright © 2016.

All Rights Reserved.

Ronda Watson Barber,

Editor-in-Chief & President

www.OhioMBE.com

[email protected]

P.O. Box 533

Granville, OH 43023

614-522-9122

[email protected]

OhioMBE welcomes letters to

the editor from readers.

Typed letters of 200 words or

less are preferred; all might

be edited. Each letter must

include name, home address

and daytime phone number.

Some letter may appear on

our website.

The 912 Group is an Ohio

certified Minority Owned and

EDGE business. The 912

Group is a certified FBE with

the City of Columbus.

Twitter: ohiombe

Facebook: ohiombe

Hashtag: #ohiombe

government briefs For Small Business Week, IRS Features Series of Webinars for Entrepreneurs The Internal Revenue Service is marking National Small Business Week, May 1 to 7, by encourag-ing small business owners and self-employed individuals to check out several products to help them understand and meet their tax obligations. The products include a series of educational webinars to help them not only be tax compliant, but also to help their businesses thrive. The webinars start at 2 p.m. Eastern (11 a.m., Pacific; noon, Mountain; 1 p.m., Central). Each webinar topic has a tax tip or fact sheet with more infor-mation:

Tax Tips for your New Business, May 2 Register at http://bit.ly/1VF3zKM IRS Tax Tips for Starting a Business

Staying Afloat: Planning for Emergencies Before they Happen, May 3 Register at http://bit.ly/21kwAuO Look to the IRS for Tax Help in the Event of a Disaster

Worker Classification: Employee or Independent Contractor? (in Spanish), May 4 Register at http://bit.ly/1N8RR8i Payments to Independent Contractors

Tip Reporting and Tips vs. Service Charges, May 5 Register at http://bit.ly/1XZ4OC6 Tips versus Services Charges: How to Report

Workers’ Comp open enrollment for Ohio employers begins May 2 The open enrollment period for Ohio employers to select organizations to manage medical treatment for their workers injured on the job will begin Monday, May 2 and continue un-til Friday, May 27. The Ohio Bureau of Workers’ Compensation (BWC) offers an open enrollment period every two years to allow employers to evaluate the services of their current MCO and determine if they would like to make a change.

“Open enrollment is an opportunity for employers to make a selection that will best serve their needs and support the health and safety of their workforce,” said BWC Acting Administrator/CEO Sarah Morrison. “I encourage employers to carefully review their options and make an in-formed decision in order to develop a strong partnership with their MCO and BWC to help their injured workers get back to work as safely and quickly as possible.”

BWC partners with a network of 15 MCOs that are the primary link between injured workers, medical providers, employers and BWC. MCOs manage claim filing and medical treatment and assist employers with the implementation of recovery and return-to-work programs. Employers satisfied with their MCO do not need to do anything. However, those considering a change can complete the MCO Selection Form online here, or download and print a blank form here, com-plete it and mail or fax it to BWC.

BWC produces the MCO Selection Guide that provides instructions, and anMCO Report Card that provides MCO performance information intended to help employers with the selection process. These measures include quality medical management statistics BWC uses to evaluate the return-to-work ser-vices and quality of medical man-agement the MCOs provide to injured workers. The guide and report card are available at bwc.ohio.gov.

For employers who select a new MCO, the change will be effective July 4.

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www.OhioMBE.com

government briefs Rep. Reece teams up with ODOT to donate equipment to Urban League’s Construction Connections program Students received hard hats, protective eyewear and more at graduation ceremony President of the Ohio Legis-lative Black Caucus (OLBC) and State Rep. Alicia Reece (D-Cincinnati) joined the Ohio Department of Trans-portation (ODOT) in pre-senting construction tools and safety equipment dona-tions to graduating students of the Greater Cincinnati Urban League (GCUL) Con-struction Connections work-force development pro-gram. The students received the 500 donated items at the program’s graduation ceremony on Friday, April 29, from at the Greater Cincinnati Urban League headquarters. “I am pleased to see ODOT’s continued support for minority communities across the state and especially in the Cin-cinnati region,” said Reece. “The OLBC has been working to help minorities overcome barriers by boosting training

See Construction on page 9

Ohio Business Expo attracts more than 180 businesses More than 180 business owners attended the State of Ohio Business Expo held Tuesday, April 19 at the Ohio History Center in Columbus. The state hosted the expo to support continued efforts to expand access to state contracts for minority-owned, women-owned and small businesses as part of the initiative to increase the business the state conducts with companies certified through the state’s Minority Business Enterprise (MBE) and Encouraging Diversity, Growth and Equity (EDGE) programs. During the opening ceremony, Lt. Governor Mary Taylor discussed the great strides the state has made to diversify its supplier base but discussed the need to move to the next level. “If we don’t keep our foot on the gas, we won’t continue to move for-ward,” Taylor said. Business owners had the opportunity to network with purchasing representatives from more than 70 state agencies, boards, commissions and universities as well as representatives from the construction industry. Attendees were able to choose from among eight workshops and were given access to a computer lab to begin the certification process. The expo was sponsored by the Ohio Department of Administrative Services and the Ohio Development Services Agency. For more information about the MBE and EDGE programs, visit das.ohio.gov/eod.

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Page 4

Scaffold Caddy launches website

www.ScaffoldCaddy.biz. The site includes an BWC

Ergonomic Report on the benefits of Scaffold Caddy

to your construction project.

business updates

Jonnel Ransom leaves WBC

Jonnel Ransom, former assistant director of the Women’s Business Center, accepted a Case Manager Position with Franklin County Job and Family Services.

Her email is [email protected]. Drop her a note and wish her well.

L ooking for the pa-per copy of OhioMBE? Not

only are we online, you can find OhioMBE at the following locations. OhioMBE is pub-lished on the 1st and 15th of each month.

Akron:

Minority Business Assistance Center

Cincinnati:

Cincinnati Public Library

Cleveland:

Mayor’s Office of Equal Opportunity (1st only)

Cleveland Urban League/Minority Business Assis-tance Center

Cleveland Public Library

Columbus:

The Hub

Driving Park Library

M & M Chicken

Barnett Library

Center For Urban Solu-tions

M.L.K. Library

Woodland Y.M.C.A.

Woodland Christian Church

Mayo’s Printing- Bookstore

Mt.Vernon AME

A Cut Above The Rest

Creole Kitchen

Neighborhood House

OSU Black Extension Cen-ter

Urban League

King Arts Complex

Shiloh Baptist Church

2nd Baptist Church

Lincoln Café

St. Steven’s Community Center

Bethel AME Church

Linden Library

COWIC

Jerry Hammond Bldg.

Columbus Board of Edu-cation

Women’s Business Center

Increase CDC (1st Only)

Mt. Hermon Baptist Church

35 E. Gay Street Lobby

Dayton:

Dayton Public Library (15th only)

Toledo

Toledo Public Library

Toledo Minority Business Assistance Center

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www.OhioMBE.com

What Advertising Can Do For Your Business

Advertising turns the light on —it lets people

know you are out there

Remind customers and inform prospective cus-

tomers about the benefits of your product or ser-

vice

Establish and maintain your distinct identity

Enhance your reputation

Encourage existing customers to buy more of

your product/service

Attract new customers and replace lost ones

Slowly build sales to boost your bottom line

Promote your business to customers, investors,

and others

Advertising is tax deductible

We will place your business card size ad (3.5 x2) on our website, 4 Sunday E-Blasts and 2 hard copy is-sues of OhioMBE. OhioMBE has a circulation of over 15,000. Take advantage of the power of our media outlets. Your customers are looking for you. Email [email protected] to reserve your spot.

Support Black Businesses!

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Page 6

We need to accept that we won’t al-ways make the right decisions, that we’ll screw up royally sometimes -- un-derstanding that failure is not the op-

posite of success, it’s part of success. ~ Arianna Huffington

bid opportunities To post a bid notice, call 614-522-9122 or email [email protected]

INVITATION FOR BIDS

Sealed bid proposals will be received by the Akron Metropolitan Housing

Authority at 100 West Cedar Street, Akron, Ohio 44307 un-til 2:00 p.m. local time on FRIDAY, MAY 27, 2016 at which time and place all bids will be publicly opened and read aloud for:

BOILER REPLACEMENT AND RELATED WORK at HILLTOP HOUSE APARTMENTS

303 EAST TUSCARAWAS AVENUE BARBERTON, OHIO 44203

Specifications can be purchased at SE Blueprint, Inc. located at 540 South Main Street, Suite 211, Akron, Ohio 44311 (330) 376-1689. [email protected]

The above mentioned are on file for viewing at the Subcon-tractors Association NEO, 637 Vernon Odom Blvd., Akron, Ohio; Akron Urban League, Minority Business Assistance Cen-ter, 440 Vernon Odom Blvd., Akron, Ohio; the Builders Ex-change of Canton, 5080 Aultman Rd., North Canton, Ohio; Builders Exchange of Cleveland, 9555 Rockside Road, Suite 300, Cleveland, Ohio; and the Ohio Construction News, 7261 Engle Road, Suite 304, Cleveland, Ohio. A list of plan holders can be obtained from SE Blueprint’s website @www.seblueprint.com

A Pre-Bid Conference will be held by the Housing Authority at the AMHA Administration Building, 100 West Cedar Street, Akron, Ohio 44307, on TUESDAY, MAY 17, 2016 at 2:00 P.M.

Bidders may gain access to the interior of the building, in or-der to assess the work pursuant to the viewing schedule in-cluded in the specifications.

See full bid notice at www.OhioMBE.com/bid-opportunities

Get Bid Notices Delivered to your

Inbox!

Visit OhioBidNotices.com and subscribe to get a daily list of federal,

state, county, local and school projects.

Subscribe TODAY!

“Attention City of Toledo Certi-fied MBE/WBE Companies”

Kokosing Industrial, Inc. is preparing bids for the Toledo Water-ways Initiative Phase II E-3 International Park Storage Basin in Toledo, Ohio which bids May 3, 2016. We are seeking quotes for any portion of the project listed that you are qualified to perform or provide supplies for which includes the following: Aggregates, Concrete/Ready Mix, Electrical, HVAC, Plumb-ing, Painting, Paving, Rebar, Seeding & Landscaping, and Truck-ing. Bidding documents can be examined at Kokosing Industri-al, Inc., 6235 Westerville Rd., Westerville, OH 43081 or by call-ing Sonja Nichols at 614-212-5701. Please have your quote to Jeff Hollback by 12:00 PM May 2, 2016: e-mail [email protected] or Fax 614-212-5711.

“Kokosing Industrial is an equal opportunity employer.”

INVITATION FOR BIDS

Sealed bid proposals will be received by the Akron Metropolitan Housing

Authority at 100 West Cedar Street, Akron, Ohio 44307 un-til 2:00 p.m. local time on THURSDAY, MAY 26, 2016 at which time and place all bids will be publicly opened and read aloud for:

ELEVATOR MAINTENANCE SERVICES AND RELATED WORK at VARIOUS LOCATIONS WITHIN SUMMIT COUNTY, OHIO

Specifications can be purchased at SE Blueprint, Inc. located at 540 South Main Street, Suite 211, Akron, Ohio 44311 (330) 376-1689. [email protected]

The above mentioned are on file for viewing at the Subcon-tractors Association NEO, 637 Vernon Odom Blvd., Akron, Ohio; Akron Urban League, Minority Business Assistance Cen-ter, 440 Vernon Odom Blvd., Akron, Ohio; the Builders Ex-change of Canton, 5080 Aultman Rd., North Canton, Ohio; Builders Exchange of Cleveland, 9555 Rockside Road, Suite 300, Cleveland, Ohio; and the Ohio Construction News, 7261 Engle Road, Suite 304, Cleveland, Ohio. A list of plan holders can be obtained from SE Blueprint’s website @www.seblueprint.com

A Pre-Bid Conference will be held by the Housing Authority at the AMHA Administration Building, 100 West Cedar Street, Akron, Ohio 44307, on THURSDAY, MAY 12, 2016 at 9:00 A.M.

See full bid notice at www.OhioMBE.com/bid-opportunities

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www.OhioMBE.com

Need to meet your EDGE/MBE

or Good Faith Contracting

Efforts?

When you need EDGE participants,

The 912 Group and OhioMBE can help.

Place your legal ad or bid notice in OhioMBE and our

other media

outlets.

We reach the MBE, DBE, EDGE and the small business

community.

614-522-9122

The 912 Group is MBE/EDGE/FBE /LEDE certified.

bid opportunities To post a bid notice, call 614-522-9122 or email [email protected]

Need to get your Business Certified?

Attend a class and learn how to get EDGE.

Register at OhioMBE.eventbee.com

Walsh Construction encourages bids from all qualified subcontrac-tors/suppliers including MBE, SBE and WBE firms for the City of Ak-ron, Ohio Department of Public Service WRF Step Feed Phase 2until 11:00 AM EST, on May 19th

2016.

DESCRIPTION OF PROJECT:

Project Description: This project consists of refurbishing eight-een circular final settling tanks with new sludge collection equipment; construction of new hydraulic conduits and chan-nels; refurbishing six aeration basins with new gates, piping and diffuser systems; refurbishing screw pumping station pumps and buildings; replacing existing process water valves and flow meters; refurbishing HVAC, electrical and lighting; replacing roof on aeration gallery.

Copies of plans, specifications and Proposal Documents for the Project are on file and can be obtained from SE Blueprint, Inc., 540 South Main Street, Suite 211, Akron, Ohio 44311 (at a cost of One Hundred Thirty-Five Dollars ($135.00), which amount is not refundable. PLEASE FAX OR E-MAIL YOUR QUANTITY RE-QUESTS PRIOR TO PURCHASE, FAX: 330-376-2511, E-MAIL: [email protected]

YOU WILL THEN BE CONTACTED WHEN PLANS ARE AVAILABLE FOR PICK-UP. They can also be viewed in the office of the Bu-reau of Engineering, 7th Floor Municipal Building, Akron, Ohio.

Work scopes include site work, concrete, masonry, misc. met-alwork, rough carpentry, roofing, painting, electrical, HVAC, plumbing, and trucking.

If you have any questions regarding this project please contact Joe Grant at 313-456-6534 or [email protected]

Walsh is an Equal Opportunity Employer, Minority/Female/Disabled/Veteran.

Walsh Construction encourages bids from all qualified subcon-tractors/suppliers including MBE, SBE and WBE firms for the Northeast Ohio Regional Sewer District, East 140th Street Consolidation and Relief Sewer

(CRS) Project until 12:00 PM EST, on May 24th 2016.

DESCRIPTION OF PROJECT:

Approx. 14,000 LF of 60” to 84” pipe in tunnel, 8 access shafts, a gate control vault, 6,800 LF of 12” to 54” diameter consoli-dated and relief sewers, an 84” diameter overflow sewer, a new regulator structure and connection to the Heights-Hilltop Interceptor, 3 each of storm water detention basins, 12,000 LF of 12” to 54” diameter storm sewers, regulator components, junction chambers, and other sewer improvements.

Work scopes include site work, concrete, masonry, misc. met-alwork, finishes, painting, electrical, HVAC, plumbing, and trucking.

If you have any questions regarding this project please contact Joe Grant at 313-456-6534 or [email protected]

Walsh is an Equal Opportunity Employer, Minority/Female/Disabled/Veteran.

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Page 8

employohio To post an employment listing, call 614-522-9122 or email [email protected]

Looking for great employees?

Post your job listing with EmployOhio.com

We will print, email, share, post and tweet your listing.

Email: [email protected]

#employohio

“I spoke at Buckeye Middle School a couple weeks ago and I was surprised how receptive and eager the middle school stu-dents were, especially, those coming from the inner city. This is the exact information our youth needs,” he said. “To see someone that grew up just like them, went to the same schools, and had to deal with a lot of the same things: It helps them relate to you more. They actually take what you are say-ing and run with it. They become even more motivated. In most cases, that’s all it takes is for them to see that their dreams are really obtainable. They just need encouragement that they can achieve special things. That college isn’t this big, scary, difficult unenjoyable place that people can sometimes portray it to be.” Quentin is working on another book. It will focus on the stu-dent-athletics and the recruiting process. How to Maneuver Through College: What They Don’t Tell You is available on Amazon.com Quentin can be reached at [email protected]

College from page 1

Making New Connections - Columbus Metropolitan Housing Authority hosted the April 21 OhioMBE Procurement Fair. Businesses from across Ohio came to meet with Columbus City Schools, CMHA, Huntington Bank, US Bank, Telhio Credit Union and Smoot Construction. The next OhioMBE Procurement Fair will be held on May 18 at the Women's Business Center. Wesbanco, CMHA and the Ohio Dept. of Transportation will be attending. Register at www.OhioMBE.eventbee.com

www.ohiodiversitynetwork.com

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www.OhioMBE.com

Ohio Certification Center:

Why you should get your business certified? There are several reasons why you should get your business certified:

1. Some entities have purchasing goals. Only certified businesses can participate.

2. Certification adds legitimacy to your business. You have gone through a process that

has determined that your business is owned and controlled by a minority, woman or disadvantaged business.

3. Certification can afford you loan and bonding opportunities. The State of Ohio has

loan and bonding programs specifically for certified minority owned businesses.

4. Certification can be a marketing tool for your business. You can add your certifica-

tions to your marketing materials, business cards, website , etc. Many consumers like during business with veteran, minority or woman owned businesses.

5. Certification can be used in the private sector. Many companies don’t have a certifying program but in an effort to have sup-

plier diversity, will accept the certifications from some governmental agencies.

Attend a class and learn how to get your business certified. Visit www.OhioMBE.eventbee.com for the upcoming class schedule. For more information on certification, call 614.522.9122 or attend a certification class.

Ohio Certification Center

Ask yourself this question:

'Will this matter a year from

now?--Richard Carlson

programs and creating more jobs that offer wages to sustain a family. By providing these graduates with the tools they need in the workforce, we are in-vesting in their futures as well as the future of Ohio’s construction industry.” Rep. Reece and the OLBC have long fought for great-er economic opportunities for Ohio minority commu-nities. Increasing state con-

tract options for minority-owned businesses has been at the top of the OLBC Ac-tion Agenda, and the or-ganization has previously helped lobby to secure $800,000 in Ohio Depart-ment of Transportation workforce development grants, including $300,000 for the Construction Con-nections program adminis-tered by the GCUL and $500,000 for the Oppor-tunity Corridor currently under construction in Cleveland.

Construction from page 3

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Page 10

October 26, 2016 Recognizing Minority Businesses

& Advocates

Get a weekly email from OhioDiversityNetwork.com

notifying you of upcoming events.

Sign up online!

Ohio Diversity Network

Hosting a business event?

Did you know you can post it on

www.OhioDiversityNetwork.com

Email: [email protected] for

login information

Thursday, May 5, 2016 at 6:00pm Columbus WBC – Get Your Business on the Map with Google

Saturday, May 7, 2016 at 11:30am OhioMBE Certification Saturday

Monday, May 9, 2016 at 7:00pm Columbus NAACP General Member-ship Meeting

Friday, May 13, 2016 at 12:00pm Columbus WBC – Non-Disclosure Agreements: How to keep a trade se-cret

Wednesday, May 18, 2016 at 12:00pm Worley Law Presents: HR Lunch & Learn

Wednesday, May 18, 2016 at 1:00pm OhioMBE Procurement Fair @ Colum-bus WBC

Saturday, May 21, 2016 at 11:30am OhioMBE Certification Saturday

www.OhioMBEAwards.com

Success is the sum of

small efforts, repeated

day in and day out.-

Robert Collier

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www.OhioMBE.com

business tips 5 Important Questions To Ask Before Seeking Financing For Your Business

Financing is critical not just for startups, but even for an ex-isting business that has needs to maybe expand the business. Luckily, there are so many financing packages that touch on the different business areas and the needs you have for your business can help you make the right consumer financing deci-sion. Different financial institutions and lenders have varying terms of service when you seek a loan and so you should have this in mind too when seeking financing.

How is your credit history? The credit score can determine the amount that you can be loaned and the interest percentages. This however varies from one lender to another and you should therefore start by evaluating your credit history and the impact that is going to have on your financing. Fortunately, you can find no credit check financing arrangement which means that you can still get the financing that you need re-gardless of how your credit history looks like. You can get fi-nancing even with bad credit, but this depends on the institu-tion you choose to use when getting the financing.

What are you using to secure the loan? Loans need a collateral and they are the assets that can be sold when you are unable to repay the loan. You pledge them to the loan consigner and the value is usually higher than the loan that you are applying for. When thinking about the collateral it is just important for you to think about how flexible you will be in repaying the loan. It makes it even more important to be clear about your reasons for seeking the loan so that you can put it to good use and make repayment an easy thing for you to achieve.

How is your business equity? Lenders prefer businesses whose debts are not more than four times equity amount currently in the business. Your company balance sheet will reflect the amount of equity. You can seek additional funding sources in case the balance sheet does not reflect the standard.

How much do you need? Your accountant or your financial adviser will help you draw a business plan that is detailed enough to help you decide just how much financing you need for the business. A business plan helps in minimizing risks, identifies opportunities and reduces costs, but it can also help you succeed with the loan application. Operations, logistics, management, sales and marketing are some of the areas that your business plan should include leading you to the most ap-propriate amount of the loan you are applying for.

How is your business experience? Not many lenders love risk-ing loans for people without enough experience of running a business. You should be in a position to demonstrate that you have what it takes to put the money to good use. Find partners

or hire people with enough experience to help you increase your chances of securing the financing that you need.

Financing remains crucial for any business, but fortunately you can find even HVAC financing bad credit notwithstanding. Start by knowing what you need and looking at the terms of your lender before making the final decision.

Article Source: http://EzineArticles.com/expert/Jovia_D'Souza/2007086

Why Every Organization Needs Effective Electronic Policies by Nancy Flynn Could your business survive a multi-million-dollar lawsuit triggered by thoughtless employee email? All organizations face costly risks when employees communicate online. The accidental (or intentional) exposure of confidential email, con-sumers’ private data, students’ educational records, or pa-tients protected health information can trigger lawsuits, regu-latory fines, and PR nightmares. If medical professionals discuss patients on Facebook, hospi-tals could face seven-figure HIPAA fines. If stockbrokers blog about public companies, SEC rules might be violated. If em-ployees disparage suppliers on Twitter, managers mock em-ployees in text messages, or executives reveal merger plans in email, the results could include litigation, lost revenues, and career setbacks. Apply the 3Es Fortunately, through the strategic application of policy, train-ing, and technology, organizations can manage electronic risks. Best practices call for the three Es of e-risk management: (1) Establish policies governing email, social media, mobile devic-es, and the web; (2) educate users about risks and rules; and (3) enforce e-policies with discipline and technology. Legal Rights v. Privacy Expectations The federal Electronic Communications Privacy Act (ECPA) grants employers the legal right to monitor company comput-ers. Content created, transmitted, and stored on business sys-tems, sites, accounts, and devices belongs to the boss. Work-ers should not expect privacy. Monitoring employees’ personal accounts is less clear, howev-

See Electronic on page 12

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er, and is handled state-by-state. In Ohio, employers legally may request access to personal Facebook accounts as a condi-tion of employment. Before requesting Facebook user names and passwords, consider whether personal monitoring fits your compliance needs and culture. If you do review personal sites, proceed cautiously and strictly for legitimate business reasons. Reject a job candidate for personal Facebook content today, and you may face a discrimination lawsuit tomorrow.

Best Practices to Minimize Risks & Maximize Compliance

Update e-policies to reflect 2016 laws & regulations.

Address business & personal content and use.

Educate users about risks & policies.

Support policy with discipline & monitoring.

Insist on policy compliance 24/7/365.

Nancy Flynn, founder of The ePolicy Institute™ and Business Writing Institute™, is a professional trainer with clients world-wide. Author of The ePolicy Toolkit, The Social Media Hand-book and Writing Effective E-Mail, she serves as an expert wit-ness in Internet litigation. A go-to media source, she has been interviewed by The New York Times, Wall Street Journal, Time, Fortune, CNN, NPR & CBS among others. Visit epolicyinsti-tute.com and businesswritinginstitute.org.

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