Thursday, September 5, 2013

Updates/CAMEO Webinar

I have just learned that Ellen Widess has resigned as head of Cal OSHA. She was  a good friend of Small Business California. Her goal in her position was to have OSHA seen as a resource to small business and not a gotcha agency. She will be missed.

As you know we are coming to the end of the legislative session. Two bills  that Small Business California supported have been decided. The good news is that SB 399 has  passed and sent to the Governor. This bill was the prompt payment of businesses that do  emergency work for the Department of General Services. Small Business California coordinated a letter of support by about 30 associations. It now goes to the Governor.

The bad news is that AB837 was  sent to the inactive file. This is the bill that would codify the Small Business Development Centers in California. We will continue to work on getting funding for the SBDCs to meet their match from the SBA.

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Please see information below of a webinar  by our friends at CAMEO. It will focus on the importance of self employment and micro businesses  in job creation.

Join Claudia Viek, CEO of CAMEO (California Association for Micro Enterprise Opportunity), for a virtual brown bag lunch, with a short presentation and discussion of this crucial labor market trend.

Mon, Sept. 16, 2013, 12:00 PM PDT- Registration Link

Self-employment is THE labor market trend

In California corporations with more than 500 employees shed almost 300,00 jobs from 2003 to 2010, while during the same period, companies with 1-4 employees created more than 700,00 jobs. It's the very small and independent workers who are creating the jobs.  You know who the small businesses are, but who are these independent workers?

This session will present data supporting self employment and local micro business trends, and describe strategies, tools and resources that are proven effective in creating businesses, jobs and sustained local economies, without huge investment. 

Bring your lunch, log on and discuss one of the most important labor market trends we are facing.

      
Watch CAMEO Connects to see the power of locally-grown small-businesses.

Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 

Tuesday, September 3, 2013

5 Tips for Pain Free Running: Avoid Heel Strike

1.  Avoid Heel Strike



Many beginner runners ask me how they should be running.   Running training should be focused on 1 of 2 things:  1)  injury prevention or 2)  performance.  So the main purpose of this post is to focus on injury prevention and treatment.  So I promote runners to avoid a heel strike and to try more of a mid foot strike when running with pain or recovering from an injury.    Landing with a midfoot strike has been associated with decreases in peak impact loads and a decrease in knee pain (patellar-femoral symptoms).  Below is a diagram from a breakthrough article in Nature   that shows landing forces with different striking patterns.


Notice the lack of the sharp increase spike with a mid foot strike.  One of the main points to take away from the article is the decrease in force and lack of transient impact with strike with a mid foot strike.  This difference and benefit of barefoot vs shod running is for another post, but these two articles show great evidence to help support a mid foot strike to help prevent injury and decrease impact forces to the legs.   I personally tried this and loved the way it feels when running vs with a heel strike. Tune in next week for Tip #2!!!  For more information about running injuries, our Running Injury Program, and about Pursuit Physical Therapy, call us at 407-494-8835 or visit us at PursuitTherapy.com.  Exercise is medicine!

Regards,

Ron Miller, DPT OCS


Friday, August 30, 2013

Corporate Veil/ Unemployment

For those of you that have incorporated your business you probably did so in part  to protect your personal assets. Yesterday I received an email from an attorney who is putting on a seminar  on how to pierce the corporate veil. It is important to you as a small business to make sure you protect yourself. I strongly recommend you talk to your attorney about this. See below email I received.

If you are interested in this webinar September 12thplease let me know and I will give you additional information.


I  have written that the Governor wanted to introduce legislation  to eliminate the Unemployment debt to the Federal government[about $10 billion].As of earlier in the week  the Governor has decided not to introduce legislation this session. It will continue to be discussed after session and will reappear probably early next year as urgent legislation meaning it would take effect immediately .

Speaking of Unemployment the unemployment insurance charge will go up $21 per employee in 2014 and $21 per year  after that until debt to Federal government is paid off. The rate will cap at 6%.


Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 

Knowledge of Website

  • Knowledge of CICAG Informations

Wednesday, August 28, 2013

Cyber Liability Calculator/CBS Radio

I have mentioned in past emails  the importance of taking steps to prevent a cyber breach. I found this calculator very interesting as it will tell you the cost should someone get records in your data base. Please see calculator below.  Note it does no include the cost t include You all  may want to consider cyber insurance but even if you don’t purchase it you should take steps to protect yourself



-          How many employee records (past & present) do you have in your computer database?
-          Do you have EFT information in your computers for your employees’ pay checks?
-          How many customer files do you have?
-          How many credit card transactions have you run in the last month, year, etc?
-          Do you have a loyalty rewards program for your clients? (grocery store discount card, restaurant loyalty card, etc)  Those programs almost always require a Name, address, and phone number…which counts as “Personally Identifiable Information”.

The privacy and notification laws do not just apply to social security numbers. 

Here is another great website that shows up-to-date information on the latest reported incidents of cyber-crime against businesses: http://datalossdb.org//

You’ll notice on that list that just last week, the university of Mississippi medical center had a breach affecting over 2000 records in their database.  If you plug that number into the calculator, that is going to cost them over $330,000!!


I am still looking  for small businesses in the LA area that will talk to CBS radio in LA about how the Affordable Care Act will affect their business. They would like a business with less than 50 employees and will be interviewing small businesses October 3. If you  are interested in talking to them please let me know as soon as possible.



Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188 

Monday, August 26, 2013

Pursuit Physical Therapy on the Radio! Tune into am 740 The Game


Tune into am 740 The Game from 9am-12 throughout the week, starting labor day weekend, to hear the new Pursuit Physical Therapy radio commercials!  Also, on Fridays, we will have a call in live-talk and ask a question to our very own Dr. Ron Miller about sport injuries, rehab, and prognosis of injuries.  Visit www.thebeatofsports.com or 740 The Game for more information.  For more information about Pursuit Physical Therapy, our specialty programs, and what we can treat, visit us at PursuitTherapy.com


Cost of Owning a Car/ Affordable Care ACt/ Unemployment Insurance/ Join SB Cal

Bankrate has just put out a report of the cost of car ownership in all 50 states. The most expensive state was Georgia where car ownership is $4233  and the least expensive was Oregon at $2204 The average was $3201 and California was the second most expensive at $3966. For all states go to www.bankrate.com

Oct 1 Covered California will be up and begin  running. The Individual mandate will be effective Jan 1 2014. If you are not currently providing insurance are you going to do anything to help your employees find out what their options are? If you provide insurance are you going to do anything to help employees meet the requirements of coverage for dependents. I  think there is a role here for your insurance broker.  Has your broker kept you informed about the Affordable Care Act? I would appreciate your thoughts.

I have written about the  Governor introducing legislation to eliminate California’s  debt to the Federal government for unemployment insurance  and to build a reserve for  unemployment  insurance.. It is getting close to the close of session and no legislation has been introduced. Small Business California will let you know but expect rates  to be raised and  the current cap to be  raised from around $7000 to $12000 in the coming years.

I hope you find these emails helpful. If you are not already a member of Small Business California I hope you will consider joining. Not only do we provide valuable information via these emails but we are constantly representing  you in Sacramento and Washington. We have made a difference. Lori Kammerer  our  director of governmental affairs  and I speak for you at numerous legislative committee meetings and we have developed great relationship with legislators and their staff. We also have developed great relationships with media around the state.

The cost is minimal. It is $150 for businesses with less than $1 million in receipts and $300 for those with receipts over $1 million. Please help us help you.

You can sign up online www.smallbusinesscalifornia.org   or we can invoice you if you respond by return email.



Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA  94116
shauge@cal-insure.com
415-680-2188