Why Joshua Might Not Graduate From Penn State University and Why I’m Trying To Help.

Joshua Johnson

Joshua Johnson

This is a very special (and most rare) note about a young friend of mine - Joshua Johnson. He needs $16,00o to complete his final year at Penn State University. Will you donate?

Joshua’s been tap dancing on the trains of NYC for the past several years, raising money to attend Penn State University.

Joshua’s has raised funds for the past 3 years but he needs money for one more year. Joshua is an stoppable young man who’s gone through huge challenges just to finish the 3 years he’s completed so far.

You can read his full story at tapping2collge.com

He’s now on his last year of college at Penn State University and needs $16,000 to finish his final year.

Will you donate?

I did a short video (a public service announcement of sorts) - http://www.youtube.com/watch?v=IhpYWpX0gt8

You can check out the full post about Joshua’s drive to raise $16,000 here.

I hope you didn’t mind that I didn’t write about tech or small business. I wanted to shine the light on someone who I think you’ll like and want to get to know Joshua Johnson - one year left to graduate at Penn State University.

Will 16 people (or companies) donate $1,000 each to Joshua today? I’ll give you $2,000 worth of advertising  on Smallbiztechnology.com (assuming the product/service meets my acceptable standards).

Why am I helping Joshua? Joshua’s one of the most driven, kindest, honest and energized young men I know. He gives of himself to all and is striving to be a beacon of hope to his family - he’ll be the first person in his family to graduate from college.  Joshua has a mission to change the world. My mission is to help him fulfill his mission.



Why Joshua Might Not Graduate From Penn State University and Why I’m Trying To Help.

Joshua Johnson - tapping2college.com

Joshua Johnson - tapping2college.com

This is a very special (and most rare) note about a young friend of mine - Joshua Johnson. He needs $16,00o to complete his final year at Penn State University. Will you donate?

Joshua’s been tap dancing on the trains of NYC for the past several years, raising money to attend Penn State University.

Joshua’s has raised funds for the past 3 years but he needs money for one more year. Joshua is an stoppable young man who’s gone through huge challenges just to finish the 3 years he’s completed so far.

You can read his full story at tapping2collge.com

He’s now on his last year of college at Penn State University and needs $16,000 to finish his final year.

Will you donate?

I did a short video (a public service announcement of sorts) - http://www.youtube.com/watch?v=IhpYWpX0gt8

You can check out the full post about Joshua’s drive to raise $16,000 here.

I hope you didn’t mind that I didn’t write about tech or small business. I wanted to shine the light on someone who I think you’ll like and want to get to know Joshua Johnson - one year left to graduate at Penn State University.

Will 16 people (or companies) donate $1,000 each to Joshua today? I’ll give you $2,000 worth of advertising  on Smallbiztechnology.com (assuming the product/service meets my acceptable standards).

Why am I helping Joshua? Joshua’s one of the most driven, kindest, honest and energized young men I know. He gives of himself to all and is striving to be a beacon of hope to his family - he’ll be the first person in his family to graduate from college.  Joshua has a mission to change the world. My mission is to help him fulfill his mission.



Ecommerce in India: Small Merchants Finding Niches

ecommerce in india

Indian marketplaces bring to mind colorful winding roads lined with family and individually run storefronts where retailers can build personal relationships with their customers and deals are negotiated through these relationships.  It’s no wonder that when the Prime Minister of India, Manmohan Singh, approved opening Indian retail to foreign retailers such as Walmart, local retailers strongly objected.

While individual merchants oppose foreign retailers like Walmart for fear of losing their business, corporations and farmers see the introduction of foreigners as a way to modernize the archaic Indian retail supply chain.  But whereas commerce in India faces this David versus Goliath dilemma, the Indian market is evolving very fast in terms of adoption of online commerce.

Indians are now beginning to value the convenience of online shopping and many traditional businesses are now eagerly looking to join the online retailing space.  Ecommerce firms such as America’s Amazon and India’s Flipkart lead the pack. But small retailers like Ayurvedic products store Nirogam are also flourishing. And powering many small online retailers is IQeCommerce, a cloud-based software platform to help them sell electronically.

Since putting its first toe in the Indian water last year with the introduction of Junglee.com, an online price comparison site, Amazon has recently launched its own full-blown site for the Indian market.  Also, any third party retailer can sell products on Amazon’s Indian marketplace, and through a fulfillment center near Mumbai, customers will receive the merchandise they ordered straight to their door.

In addition, Amazon Marketplace makes it easy for sellers to upload their products onto its website and provides shipping for them if they prefer.  Amazon.in also offers a promotional rate when sellers sign up for a two-year deal, making monthly subscriptions free, closing fees per sold unit only Rs.10, and referral fees 5%.

Although only offering books, DVDs, and e-readers, Amazon will soon be widening its product offering.

But Amazon has quite the competition in India with eBay’s long standing marketplace business, as well as Sachin Bansal’s Flipkart having already established its presence as the place to buy books, CDs and other items online in India. Flipkart started out selling books in late 2007. Sachin and his cofounder Binny Bansal launched Flipkart after quitting their jobs at Amazon India earlier that year.

Six years later and Flipkart not only sells books but all kinds of products ranging from clothing to accessories, to laptops, games, movies, household items, sports and fitness equipment and then some.  It would be fair to say that Flipkart is the Indian Amazon and what’s great for them is that they have already established trust with clients.

Flipkart, too, has a marketplace with a fixed fee for sellers and offers Cash on Delivery, a 30-day replacement policy, EMI options and free shipping for buyers.

Having jumped on the Indian eCommerce trend early on, Flipkart has grown exponentially since 2007 and has been able to raise significant funding in preparation of going public in the near future.

While Flipkart and Amazon are broad eCommerce portals, other businesses have chosen niche eCommerce offerings. Puneet Aggarwal’s Nirogam sells herbal supplements and Ayurvedic medicines online.  And whereas Amazon and Flipkart cater to the Indian population, Nirogam has taken a product of India and sells it both at home and abroad.

Puneet started Nirogam after meeting research scientist Dr. Pushpa Khanna who had discovered a holistic medicine and asked Puneet to help her sell her product online. The two launched Nirogam in 2002 and expanded their collection to 10 herbal products right off the bat.

Over a decade later, Nirogam has annual revenues close to half a million dollars and a monthly growth rate of 15%.  Puneet now plans on expanding Nirogam’s scope into additional health care niches.

Powering many such small merchants with their own online stores is Nilmoni Basak’s iQeCommerce.  With Nilmoni as CEO and co-founder Abhisek Kumar as CTO, iQeCommerce works diligently with their clients in order to seamlessly manage many small business websites.

With iQeCommerce, entrepreneurs can design their storefront for desktops and mobiles, upload products for sale, market these products via email and social networks, and utilize their easy to use shopping cart checkout solution.  This makes selling online simple for small merchants, and importantly, it allows businesses to sell under their own retail brand instead of an Amazon, eBay or Flipkart marketplace.

Some small merchants that run on iQeCommerce are The Skin Mantra that sells laptop cases as well as similar customizable gadget accessories and Paxsport, an online sportswear store specifically selling soccer goalkeeping gloves as well as other soccer wear.

Completely bootstrapped, iQeCommerce has over 100 customers and generates $2000 per month in revenue, hoping to become a profitable company by the end of this year.  Through the iQeCommerce platform, customers have sold more than $400K worth of merchandise.  Nilmoni is aiming for 1000 customers in the next 8-10 months and endeavors to reach $1 million yearly revenue with 10,000 customers longer term.

Thus, small online merchants in India are creating niches of their own and successfully selling their wares, even as the giants - eBay, Amazon, Walmart, and Flipkart duke it out for the big prize.

India Market Photo via Shutterstock




Tech Thursday (8/8): News from Brother, TaxConnections and BIA/Kelsey

It’s Tech Thursday from Smallbiztechnology.com. Each week we take a quick look at business and technology news and updates for the small business community and share them with you in a quick and simple round-up. 

 

New Brother(TM) P-touch PT-H300 Offers Professionals Advanced “Take-It-Anywhere” Functionality For Labeling And Organization

Battery-powered design, backlit display and one-touch buttons enable organization away from traditional fixed workspaces.

 

BRIDGEWATER, N.J.- Brother International Corporation, a leader in technology and organizational products for the home and office, has launched its new Brother P-touch PT-H300, a portable, handheld label maker with high-end features typically reserved for desktop models.

Designed for professionals looking to organize and label outside of a fixed workspace, this “take-it-anywhere” model offers advanced features such as a Brother(TM) Vivid Bright backlit graphic display for easy previewing in virtually any lighting condition indoors or out, intuitive one-touch formatting keys, and a library of 14 fonts, 617 symbols and 99 frames. The PT-H300 boasts fast print speeds and produces large, durable labels with up to five lines for clear, detailed labeling in any environment.

Brother identified a need for a portable, handheld label maker that could perform like a desktop model and offer more robust features than the typical handheld machine. The new PT-H300 is specifically designed for professionals such as retailers, sound engineers, event planners, and entrepreneurs who rely on labeling and organization away from the typical office. It further supports a “take-it-anywhere” work style with its convenient wrist strap, fast print speeds and large QWERTY-style keyboard.

You can read more about this new product from Brother, along with it’s features and pricing, here.

 

TaxConnections’ Innovative Online Platform Allows Small Businesses to Access Tax Experts’ Knowledge on Multitude of Topics for Free

 

LA JOLLA, Calif., - TaxConnections announced that it will provide small businesses access to tax experts that were previously available only to large organizations who knew how to find them. The Internet has created more opportunity for small businesses to generate sales online. However, the complexity of selling products and services through the web has created more tax questions than answers for small businesses. TaxConnections Founder and CEO Kat Jennings recognized the importance of providing small businesses a free lifeline that would address a multitude of tax questions they face.

Why would tax experts give away tax knowledge for free? “It’s simple,” states Jennings. “Tax professionals are highly educated about taxes, and they love to help small businesses owners reduce their taxes. A tax expert’s strength is studying the tax code to protect clients, not selling tax services. They are strong technicians, not sales and marketing. TaxConnections simply created the ideal platform for small businesses and tax experts to communicate with each other and answer tax questions long before they are ever retained. We simply created a place where small businesses can communicate with tax experts and get to know them before they hire someone. Answering the multitude of tax questions that small businesses have these days simply gives tax experts and small businesses a place to start communicating. TaxConnections Worldwide Directory of Tax Professionals is a valuable resource that enables small businesses and tax professionals to connect online first and learn more abot each other. If small businesses like the way their tax questions are answered by a tax expert they meet on TaxConnections, they are more likely to retain the tax expert. It is a win-win for small businesses and tax experts.”

You can read more about this announcement from TaxConnections here.

 

Forty Percent of SMBs Now Accept Payments with Mobile Credit Card Readers, According to BIA/Kelsey

New findings from ‘Local Commerce Monitor’ study highlight mobile and social adoption by SMBs

 

CHANTILLY, Va. - The latest findings from the “Local Commerce Monitor” (LCM - Wave 17), BIA/Kelsey’s ongoing study of the advertising behaviors of small and medium-sized businesses (SMBs), indicate SMBs are increasingly embracing mobile and social platforms for improving operational efficiencies and promotion. In particular, mobile payments are gaining significant traction with SMBs, with 40 percent of those surveyed stating they now accept payments at the point of sale with a mobile credit card reader attached to a smartphone or tablet (e.g., PayPal Here, Square, etc.). Another 16 percent plan to add this capability within the next 12 months.

SMBs are also turning to mobile to get customers in the door, with 32 percent of the SMBs surveyed stating they are using some form of mobile advertising to promote their businesses, up from 28 percent in 2012.

 See more of the findings from this study here.



Tech Thursday (8/8): News from Brother, TaxConnections and BIA/Kelsey

It’s Tech Thursday from Smallbiztechnology.com. Each week we take a quick look at business and technology news and updates for the small business community and share them with you in a quick and simple round-up. 

 

New Brother(TM) P-touch PT-H300 Offers Professionals Advanced “Take-It-Anywhere” Functionality For Labeling And Organization

Battery-powered design, backlit display and one-touch buttons enable organization away from traditional fixed workspaces.

 

BRIDGEWATER, N.J.- Brother International Corporation, a leader in technology and organizational products for the home and office, has launched its new Brother P-touch PT-H300, a portable, handheld label maker with high-end features typically reserved for desktop models.

Designed for professionals looking to organize and label outside of a fixed workspace, this “take-it-anywhere” model offers advanced features such as a Brother(TM) Vivid Bright backlit graphic display for easy previewing in virtually any lighting condition indoors or out, intuitive one-touch formatting keys, and a library of 14 fonts, 617 symbols and 99 frames. The PT-H300 boasts fast print speeds and produces large, durable labels with up to five lines for clear, detailed labeling in any environment.

Brother identified a need for a portable, handheld label maker that could perform like a desktop model and offer more robust features than the typical handheld machine. The new PT-H300 is specifically designed for professionals such as retailers, sound engineers, event planners, and entrepreneurs who rely on labeling and organization away from the typical office. It further supports a “take-it-anywhere” work style with its convenient wrist strap, fast print speeds and large QWERTY-style keyboard.

You can read more about this new product from Brother, along with it’s features and pricing, here.

 

TaxConnections’ Innovative Online Platform Allows Small Businesses to Access Tax Experts’ Knowledge on Multitude of Topics for Free

 

LA JOLLA, Calif., - TaxConnections announced that it will provide small businesses access to tax experts that were previously available only to large organizations who knew how to find them. The Internet has created more opportunity for small businesses to generate sales online. However, the complexity of selling products and services through the web has created more tax questions than answers for small businesses. TaxConnections Founder and CEO Kat Jennings recognized the importance of providing small businesses a free lifeline that would address a multitude of tax questions they face.

Why would tax experts give away tax knowledge for free? “It’s simple,” states Jennings. “Tax professionals are highly educated about taxes, and they love to help small businesses owners reduce their taxes. A tax expert’s strength is studying the tax code to protect clients, not selling tax services. They are strong technicians, not sales and marketing. TaxConnections simply created the ideal platform for small businesses and tax experts to communicate with each other and answer tax questions long before they are ever retained. We simply created a place where small businesses can communicate with tax experts and get to know them before they hire someone. Answering the multitude of tax questions that small businesses have these days simply gives tax experts and small businesses a place to start communicating. TaxConnections Worldwide Directory of Tax Professionals is a valuable resource that enables small businesses and tax professionals to connect online first and learn more abot each other. If small businesses like the way their tax questions are answered by a tax expert they meet on TaxConnections, they are more likely to retain the tax expert. It is a win-win for small businesses and tax experts.”

You can read more about this announcement from TaxConnections here.

 

Forty Percent of SMBs Now Accept Payments with Mobile Credit Card Readers, According to BIA/Kelsey

New findings from ‘Local Commerce Monitor’ study highlight mobile and social adoption by SMBs

 

CHANTILLY, Va. - The latest findings from the “Local Commerce Monitor” (LCM - Wave 17), BIA/Kelsey’s ongoing study of the advertising behaviors of small and medium-sized businesses (SMBs), indicate SMBs are increasingly embracing mobile and social platforms for improving operational efficiencies and promotion. In particular, mobile payments are gaining significant traction with SMBs, with 40 percent of those surveyed stating they now accept payments at the point of sale with a mobile credit card reader attached to a smartphone or tablet (e.g., PayPal Here, Square, etc.). Another 16 percent plan to add this capability within the next 12 months.

SMBs are also turning to mobile to get customers in the door, with 32 percent of the SMBs surveyed stating they are using some form of mobile advertising to promote their businesses, up from 28 percent in 2012.

 See more of the findings from this study here.



20 More Resources To Sell Your Handmade Crafts

selling craft homemade

The maker movement started to gain major awareness a few years ago, but it is a “movement” that has been going on for a long time. Most cultures have innovation and creativity in their DNA and making something by hand is part of how you solve a physical problem or need.

It’s been a while since I previously compiled a list of 29 places to sell your handmade creations. As the saying goes, time flies, and I decided it was time to revisit the topic by providing another 20 sites and resources for selling craft and homemade items.

A quick note: There are many general eCommerce platforms to help artists, crafters and makers, but the goal of this post is to share marketplaces and solutions that focus on this niche.  More clearly, I’m not profiling all of the eCommerce leaders like BigCommerce, Shopify, and others. (I’ve done that with 68 eCommerce and shopping carts for small business along with 19 new eCommerce additions. )

selling craft

Meylah allows indie artisans to create a “social storefront.” More interesting is how they have built it with a community focus. Individual neighborhoods or marketplaces can build an online community with individual merchants in it. For example, the Sammamish Chamber of Commerce built one and it highlights the community first, then you can “walk” into an individual store or offer.

Another example of this community first approach can be found in almost every U.S. State. You can search for “handmade marketplace [michigan]” â€" obviously insert your state. You’ll get a great list and that’s how I found Handmade Detroit, which offers a Google Map that shows craft stores, resources and more for DIY types. West Virginia has The West Virginia Handmade Marketplace.

Foodies and farmers will want to do the same type of search “farmers markets [insert state].” Nearly every state has something to help you find farmers markets, food festivals and healthy food providers. Using Michigan as an example again: Michigan Farmers Market Association. Frequent contributor to Small Business Trends, Robert Brady, points out there are some specialty providers like the Grass Fed Beef Directory for consumers looking for organic or healthier meats. But you can also list your farm.

selling craft

Sourcing Handmade is a boutique consulting firm that specializes in helping artisans get their products into retail stores. And the reverse, to help retail shops find great new products that will become strong sellers.

Crafters Town lets you build your own store, but also curates shops into collections and storefronts so that consumers can easily browse.

ToSouk is similar to Crafters Town but adds the vintage and collectables focus alongside handmade items.

The Craft Star is a handmade boutique collection of indie storefronts. They offer a flat $5 per month fee (instead of a listing fee), but has a transaction fee.

Goodsmiths states that it is a marketplace for makers. They have no listing fees, but also charge transaction fees. The site is believable with store owner testimonials. There is a “free forever” version, then premium paid accounts.

The Indie Business Network is a great resource and membership site.  It offers a membership directory in addition to lots of education for indie artisans and product creators. I like their Pinterest board and pins which go direct to member sites.

Artulis is focused on helping the UK artisan, craftsperson and vintage product creator to market their wares. They have a craft forum and offer lots of advice to help their sellers succeed.

Jumping to the foodie front again, if you love indie, artisan-made food, then you have to visit Mouth. They started as “New York Mouth” to highlight locally made foods and then decided that “online local” could include many more local hotspots for good food. Great site and products. To be clear, they pick the products they will accept in their marketplace, so in that way they differ from most of these services. But if you have an established, stellar food product, you will want to consider sending in a sample. But you can also get ideas for how to market your own products by following their lead.

Hat tip to The Kitchn for a blog post that listed out a number of artisanal foodie marketplaces (some of which I included in my last post so I did not repeat them here).

selling craft

The GLCmall is a collection of craft stores. You can create a basic store for free with no monthly fees or commissions or setup fees (up to 12 items).

If you are a hatmaker or just love hats, then That Way Hat is a site you will enjoy. They offer a free listing in their directory and a premium = level listing, too. Flows in a Pinterest-like format.

ShopHandmade is a totally free marketplace based on members and buyers who want to contribute, as in donate, funds to keep the community venture going strong. Interesting model, for sure. Elegant website design, too.

ArtsyCrafters has an admirable mission: “To help our fellow disabled artisans present their work to a broader marketplace. We showcase their abilities and talents while also connecting them with others who share our special challenges.” The site promises to handle many of the day-to-day operational tasks of running a business so the artist/maker can focus on their craft.

BigCartel looks like a huge eCommerce provider, but they have a solid focus on the handmade indie shop owner. They have a light “free” plan that will probably work for most indie artisans. Worth a look.

Ruby Lane has a terrific name that makes you want to stroll through their shops. They have built their niche in vintage products and have a number of handmade makers in their midst, although you will also find vintage products from collectors as well.

FarmMade lets you buy and sell, well, products that come from a farm. Great niche focus and well designed site. It is $5/month and five percent commission on all products sold through the site.

You can create your own shop, what they call a showroom, on ezebee. The site is well-designed and captures the eye. They have several unique offerings, including their own “currency” modeled, it appears, after BitCoin: “We also offer BeeCoins, our internal currency. BeeCoins are easy to use and a great way to sell more easily to international shoppers.” Based in Switzerland, they operate in multiple languages, as you might expect.

Last item: If you are selling at physical markets in your local area, do not forget to look at  Square, Stripe or Intuit’s GoPayment card readers that connect to your smartphone or iPad. Some work with the Nexus 10 (I’m a huge fan of Google’s tablet). These tiny card readers allow you to process payments on-the-fly - and in the case of Square â€" it is pretty affordable with a flat-rate of 2.75 percent per swipe.

If you have been watching the maker movement, now is your time to start an indie business. Handmade products are in high demand. But perhaps not all of them, so do your research. There are many local physical marketplaces starting to shift their focus to handmade goods.

How are you marketing and selling craft and homemade products?

Crafts Photo via Shutterstock




Live Twitter Chat: Ramon Ray and HP Talk About Tech Migration and Navigating The New Small Business Workplace

The small business workplace is evolving faster than ever due to major advances in technology and affordability of these technologies for even those with a limited budget. In order to maximize your productivity and efficiency, you need to find the best way to migrate these tech tools into your existing business and get them working for you.

On Tuesday, August 13th Ramon Ray, editor of Smallbiztechnology.com will be joining the small business team from HP to talk about Tech Migration and the Must Haves for Navigating the New Small Business Workplace.

The hour long twitter chat will cover topics including migrating to the cloud, migrating away from Microsoft XP when support ends in April 2014 and integrating mobile technologies to become a mobile friendly office.

 

Here’s how you can join the conversation:

  1. Join us on Twitter on Tuesday, August 13th at 3pm EST (12 pm PST)
  2. Follow the hashtag #SmallBizTech
  3. Follow @ramonray and @HP_SmallBiz to make sure you get the whole picture
  4. Get your questions on cloud and document management, the transition from Windows XP and how to create a mobile friendly office ready to ask Ramon!

Two lucky #SmallBizTech chat participants will be chosen by Ramon to receive two great prizes from HP, including a HP Book Bag filled with prizes (notebook, pen, etc.) and the HP LaserJet Pro 200 Color Printer M251nw.

We’ll see you next Tuesday at #SmallBizTech!

 



YouTube Expands Streaming, Drives Traffic for Sales

youtube live video streaming

Businesses are learning the importance of using video for marketing and communications. And the Web’s largest and most popular video site is changing it’s features to make it easier.

YouTube announced numerous updates to its video site recently with a few that will directly benefit small business users.

YouTube Live Video Streaming Expands

The first change is an expansion of the YouTube Live video streaming feature. The site first rolled out the feature in beta in 2011 to a limited Read More

The post YouTube Expands Streaming, Drives Traffic for Sales appeared first on Small Business Trends.



Live Twitter Chat: Ramon Ray and HP Talk About Tech Migration and Navigating The New Small Business Workplace

The small business workplace is evolving faster than ever due to major advances in technology and affordability of these technologies for even those with a limited budget. In order to maximize your productivity and efficiency, you need to find the best way to migrate these tech tools into your existing business and get them working for you.

On Tuesday, August 13th Ramon Ray, editor of Smallbiztechnology.com will be joining the small business team from HP to talk about Tech Migration and the Must Haves for Navigating the New Small Business Workplace.

The hour long twitter chat will cover topics including migrating to the cloud, migrating away from Microsoft XP when support ends in April 2014 and integrating mobile technologies to become a mobile friendly office.

 

Here’s how you can join the conversation:

  1. Join us on Twitter on Tuesday, August 13th at 3pm EST (12 pm PST)
  2. Follow the hashtag #SmallBizTech
  3. Follow @ramonray and @HP_SmallBiz to make sure you get the whole picture
  4. Get your questions on cloud and document management, the transition from Windows XP and how to create a mobile friendly office ready to ask Ramon!

Two lucky #SmallBizTech chat participants will be chosen by Ramon to receive two great prizes from HP, including a HP Book Bag filled with prizes (notebook, pen, etc.) and the HP LaserJet Pro 200 Color Printer M251nw.

We’ll see you next Tuesday at #SmallBizTech!

 



A New Kind Of Bookkeeping For Small Business Mixes Tech With Finance Professionals

One of the most intimidating tasks involved in running a business can be the bookkeeping. Keeping track of the flow of each cent, the stacks of receipts and the endless scrolling numbers can be daunting. It’s even more difficult to find the bookkeeping process that suits you and your business and it’s nuances. Are you a math wiz who crunches numbers with an app, or do you prefer to let professionals do the crunching for you?

Often you will need some combination of the two, and newer startups like Bench are quickly bridging the gap to provide a two-pronged approach. Originally launched in June 2012 out of Tech Stars NY as a company called 10Sheet that was determined to change the face of bookkeeping for small businesses through the use of software, the company quickly learned that there are just certain business functions that are too delicate to trust to an algorithm. Bench, the relaunched company, is proclaiming to be a “smart service,” blending traditional dedicated bookkeeping professionals with technology in an effort to streamline the process and make it straightforward and simple.

Bench’s bookkeepers are expert advisors recruited from top firms and colleges in North America, and are available anytime via phone, email or through the Bench web service. One of the best features that Bench provides is a catch-up service. The program organizes your backlog of receipts and documents to create an easy to follow report. With its $100 a month price tag, it is very affordable for small businesses that cannot afford to hire an in house or dedicated bookkeeper. You are also able to either mail in your receipts or take a photo with your phone to send to them online, offering the variability that is often necessary now. And while it is still a budding service and does not offer services like taxes, payroll, bill tracking or inventory management, Bench bookkeepers can introduce clients to viable services that will work alongside Bench.

Bench is likely just the beginning in this new wave of services combining traditional bookkeeping methods with technology. These new methods are able, in some instances, to offer lower costs than ordinary bookkeeping services. The combination of human interaction and technological services and the ability to integrate with other services like PayPal, make it a valuable alternative for small businesses. But just as with any new service, it will only work for you and your company if it fits your needs. So take a close look at what they offer and if they provide the care and attention you need for financial peace of mind. If they do, it might just be a service that helps you sleep better at night!



Google responds to claims about Chrome password security

Google has denied that there is a flaw in its Chrome browser that allows saved passwords to be viewed in plain text.

After reports emerged that the password section in the browser displays saved passwords in plain text, Google has said that the only strong permission boundary for your password storage is the OS user account.

In a comment, Justin Schuh, Google Chrome browser security lead, confirmed that Chrome uses whatever encrypted storage the system provides to keep passwords safe for a locked account and beyond that, it found that boundaries within the OS user account just aren't reliable.

He said: “Consider the case of someone malicious getting access to your account. Said bad guy can dump all your session cookies, grab your history, install malicious extension to intercept all your browsing activity, or install OS user account level monitoring software. My point is that once the bad guy got access to your account the game was lost, because there are just too many vectors for him to get what he wants.

“We've also been repeatedly asked why we don't just support a master password or something similar, even if we don't believe it works. We've debated it over and over again, but the conclusion we always come to is that we don't want to provide users with a false sense of security, and encourage risky behaviour.

“We want to be very clear that when you grant someone access to your OS user account that they can get at everything. Because in effect, that's really what they get.”

The response was given after a blog post by software developer Elliott Kember, who discovered that he was not able to uncheck a 'saved passwords' option on the import setting menu, leading him to discover that all saved passwords can be displayed in plain text in the Chrome settings panel.

He said: “There's no master password, no security, not even a prompt that ‘these passwords are visible'.

“There are two sides to this: the developer's side and the user's side. Both roles have vastly different opinions as to how the computer works. Any time I try to draw attention to this, I get the usual responses from technical people: just use 1Pass; the computer is already insecure as soon as you have physical access; that's just how password management works. While all of these points are valid, this doesn't address the real problem: Google isn't clear about its password security.”

Schuh directed people tweeting him about saved passwords to the blog comment, via his Twitter account.



BeyondTrust launches Google Apps assessment tool

A free tool to audit Google applications and track and report on changes within them has been released by BeyondTrust.

It said that its PowerBroker Auditor for Google Apps, available for free to the BeyondTrust user community, was developed to ease the burdens associated with auditing these commonly used web applications for proper usage and compliance.

The company said that PowerBroker Auditor for Google Apps allows administrators to track and report on a wide range of changes, including: users, groups, roles, email, calendar, chat and mobile.

This can retrieve live events for immediate review, or collect them on a desired schedule and save them in a database for historical reporting. Key user and event types can be filtered and reports can be exported to Excel, PDF and Word for further filtering, sorting and sharing, according to the company.

Brad Hibbert, executive vice president of product strategy and operations at BeyondTrust, said: “While Google Apps is a great productivity suite for organisations, it's become a bit of a compliance headache for IT admins who are already resource-constrained by the need to prove on-going compliance to critical government regulations.

“Our goal at BeyondTrust is to give customers the visibility and controls necessary to reduce their IT security risks, while at the same time simplifying their compliance reporting. PowerBroker Auditor for Google Apps is doing just that.”



A New Kind Of Bookkeeping For Small Business Mixes Tech With Finance Professionals

One of the most intimidating tasks involved in running a business can be the bookkeeping. Keeping track of the flow of each cent, the stacks of receipts and the endless scrolling numbers can be daunting. It’s even more difficult to find the bookkeeping process that suits you and your business and it’s nuances. Are you a math wiz who crunches numbers with an app, or do you prefer to let professionals do the crunching for you?

Often you will need some combination of the two, and newer startups like Bench are quickly bridging the gap to provide a two-pronged approach. Originally launched in June 2012 out of Tech Stars NY as a company called 10Sheet that was determined to change the face of bookkeeping for small businesses through the use of software, the company quickly learned that there are just certain business functions that are too delicate to trust to an algorithm. Bench, the relaunched company, is proclaiming to be a “smart service,” blending traditional dedicated bookkeeping professionals with technology in an effort to streamline the process and make it straightforward and simple.

Bench’s bookkeepers are expert advisors recruited from top firms and colleges in North America, and are available anytime via phone, email or through the Bench web service. One of the best features that Bench provides is a catch-up service. The program organizes your backlog of receipts and documents to create an easy to follow report. With its $100 a month price tag, it is very affordable for small businesses that cannot afford to hire an in house or dedicated bookkeeper. You are also able to either mail in your receipts or take a photo with your phone to send to them online, offering the variability that is often necessary now. And while it is still a budding service and does not offer services like taxes, payroll, bill tracking or inventory management, Bench bookkeepers can introduce clients to viable services that will work alongside Bench.

Bench is likely just the beginning in this new wave of services combining traditional bookkeeping methods with technology. These new methods are able, in some instances, to offer lower costs than ordinary bookkeeping services. The combination of human interaction and technological services and the ability to integrate with other services like PayPal, make it a valuable alternative for small businesses. But just as with any new service, it will only work for you and your company if it fits your needs. So take a close look at what they offer and if they provide the care and attention you need for financial peace of mind. If they do, it might just be a service that helps you sleep better at night!



5 Quick and Easy Tips to Boost Your Small Business Cash Flow

boost your cash flow

Maintaining a healthy cash flow is a big challenge for many small businesses. It can be hard to balance everything so that you have enough cash on hand to pay your bills and your employees’ salariesâ€"and if your credit is tight, coming up with the funds is even more challenging.

A solid cash flow will not only help you pay everything on time, but may also allow you to take advantage of higher-ticket, cost-efficient opportunities, fund expansions, and more. Below are some quick tips to improve the cash flow for your small business.

Earn More Cash With Your Cash

If you keep your cash balances in a personal or business checking account, upgrade to an interest-earning checking account. Most banks offer them, and if you keep a minimum balance, you won’t have to pay a monthly service charge.

The interest rates for checking accounts aren’t terribly high, but you can earn even more by placing the bulk of your funds into higher-paying options like certificates of deposit (CDs), savings accounts or money market accounts and then transferring money to the checking account a few days before you need it.

Put Your Credit to Work

You can save money on office supplies, fuel, client expenses and moreâ€"freeing up the cash you would’ve spent for other thingsâ€"with a loyalty credit card. Look for one that offers rewards you can use on a day-to-day basis.

Some even offer cash rewards that can really add up toward the end of the year.

Hold Off on Paying Your Bills

Many small business owners are conscientious about paying their bills immediately to get them out of the way. However, most vendors and suppliers give you 30 or 60 days to pay billsâ€"and it’s good to take advantage of that grace period. You’ll be able to hold onto your money longer and use it as needed (such as in the event of an emergency) before paying out for bills.

Read over your invoices and find out exactly when bills are due. You can schedule electronic transfers to pay them off on the due date or a few days ahead of time if you’re concerned about potential bank snags or late fees.

Switch to Paperless Systems

The less paper you use, the more you’ll save on printing, postage and other expenses. If you’re not already doing it, consider using electronic invoicing for customers and direct deposit to pay employees.

If you have any paper systems in place, chances are there’s an electronic alternative that will cost you less.

Encourage Faster Payments from Customers and Vendors

Speeding up your collections process can make a big difference in your cash flow. If, like many small businesses, you send out invoices at the end of the month, it’s time to change that process. Instead, invoice immediately upon delivery or completionâ€"so even if the accounts take the 30 or 60 days you allow for payment, you’ll get your money that much faster.

Another way to speed collections is to offer incentives for early payments, like discounts or reward programs. Many people will take advantage of discounts ranging from 2 to 5 percent, especially on larger orders, by rendering immediate payment.

Taking a few easy steps to improve your small business cash flow today will help things run more smoothly and you may see an impact within the first few weeks.

Cash Flow Photo via Shutterstock




5 Quick and Easy Tips to Boost Your Small Business Cash Flow

boost your cash flow

Maintaining a healthy cash flow is a big challenge for many small businesses. It can be hard to balance everything so that you have enough cash on hand to pay your bills and your employees’ salariesâ€"and if your credit is tight, coming up with the funds is even more challenging.

A solid cash flow will not only help you pay everything on time, but may also allow you to take advantage of higher-ticket, cost-efficient opportunities, fund expansions, and more. Below are some quick tips to improve the cash flow for your small business.

Earn More Cash With Your Cash

If you keep your cash balances in a personal or business checking account, upgrade to an interest-earning checking account. Most banks offer them, and if you keep a minimum balance, you won’t have to pay a monthly service charge.

The interest rates for checking accounts aren’t terribly high, but you can earn even more by placing the bulk of your funds into higher-paying options like certificates of deposit (CDs), savings accounts or money market accounts and then transferring money to the checking account a few days before you need it.

Put Your Credit to Work

You can save money on office supplies, fuel, client expenses and moreâ€"freeing up the cash you would’ve spent for other thingsâ€"with a loyalty credit card. Look for one that offers rewards you can use on a day-to-day basis.

Some even offer cash rewards that can really add up toward the end of the year.

Hold Off on Paying Your Bills

Many small business owners are conscientious about paying their bills immediately to get them out of the way. However, most vendors and suppliers give you 30 or 60 days to pay billsâ€"and it’s good to take advantage of that grace period. You’ll be able to hold onto your money longer and use it as needed (such as in the event of an emergency) before paying out for bills.

Read over your invoices and find out exactly when bills are due. You can schedule electronic transfers to pay them off on the due date or a few days ahead of time if you’re concerned about potential bank snags or late fees.

Switch to Paperless Systems

The less paper you use, the more you’ll save on printing, postage and other expenses. If you’re not already doing it, consider using electronic invoicing for customers and direct deposit to pay employees.

If you have any paper systems in place, chances are there’s an electronic alternative that will cost you less.

Encourage Faster Payments from Customers and Vendors

Speeding up your collections process can make a big difference in your cash flow. If, like many small businesses, you send out invoices at the end of the month, it’s time to change that process. Instead, invoice immediately upon delivery or completionâ€"so even if the accounts take the 30 or 60 days you allow for payment, you’ll get your money that much faster.

Another way to speed collections is to offer incentives for early payments, like discounts or reward programs. Many people will take advantage of discounts ranging from 2 to 5 percent, especially on larger orders, by rendering immediate payment.

Taking a few easy steps to improve your small business cash flow today will help things run more smoothly and you may see an impact within the first few weeks.

Cash Flow Photo via Shutterstock




IOActive launches intelligence service for information analysis

IOActive has launched a security intelligence service that it says will deliver highly customised attack information that is tailored to the specific industries and businesses of its customers.

According to the company, this information is prioritised based on the customer's particular business dynamics and delivered as actionable intelligence. IOActive said that it can also support customers with response, remediation and prevention capabilities based on the intelligence provided.

This service will give users insight that cannot be effectively extrapolated for their specific business from data feeds or big data crunching solutions, it said.

Chris Valasek, director of security intelligence for IOActive who will head the service up, said that with an overabundance of security information available to organisations, most will have a security team to assess this information, but not have the expertise to filter and refine the information to know what to do with it.

“IOActive's new Security Intelligence Service arms our clients with the information they need to remediate and activate defences, while also providing the distillation and projection of threats that executive management teams require,” he said.

“With our new Security Intelligence Service we can provide unprecedented detail into our current research without having to divulge it all to the general public. For example, an organisation with strong interest in medical devices can get in touch with us and receive the information directly from the researcher focussed on that area, instead of having to rely on what the mass media provides them.”



Researcher urges industry to not forget old tasks in the face of modern trends

Older research that has not fixed general problems should not be forgotten in the face of new challenges.

Speaking to SC Magazine, James Lyne, global head of security research at Sophos, said that older research is often left and not completed in favour of new and exciting research, meaning that old problems do not get fixed.

Lyne said: “We as a community need to talk about older problems. It is a problem in the industry as people really want to talk about what is news and I want to show the community that we need to focus on fixing stuff.”

Focusing on WiFi security, Lyne said that “some of this stuff is five years old but security researchers are all about the new and the latest trends”.  He called on the security industry to learn and recover old security topics, especially as it is so easy to lose touch with the man on the street.

“We have to find ways to dress up old problems, but not to the detriment of the public. New technology that focuses on processes is all well and good, but we need to bring that back to enable users to put trust in technology,” he said.

In research conducted that involved him 'warbiking' last year in London, Lyne found of almost 107,000 wireless hotspots in the capital, eight per cent used no encryption, 19 per cent of the hotspots used WEP encryption, while the other 81 per cent used WPA or WPA2 encryption. In research from late 2009, TalkTalk found that in a street in Stanmore, Middlesex, of 68 WiFi connections found on the road, only one used the strongest available security (WPA2). The majority (65 per cent) used WPA.

Andrew Barratt, director of professional services Europe at Coalfire, said he agreed with this principle, especially as there is definitely a “skewed focus” by the security research community on zero-day findings.

He said: “These have become a bit like industry Kool-Aid and in fact a lot of the large organisations I've worked with over the years consider them an almost unmanageable risk - within sensible budgets at least. With it becoming widely known that the military weaponise them (Stuxnet, Flame etc.), they have a high value for a while, so the researchers are incentivised in some respects to continue down that path.

“The problem in some in cases is that the old problems are not necessarily ‘hard' in the same sense, but vast in solution delivery, requiring quite large engineering or implementation issues to be overcome - those are less interesting to the hacker community. Nobody is going to get a Black Hat slot by saying ‘on principle, we disabled insecure wireless on all our devices to stop people doing silly things, then patched all in-the-field kit globally'.”

However, Tim Anderson, commercial director at Portcullis Security, asked why any researcher would spend time working on something that is old hat, or has no commercial benefit for their company or community.

He said: “The business doesn't understand security, while security people are not spending time attempting to discuss the business cost to security as they are not business people, so it gets ignored as it is not interesting to business.

“New research would get interest at the business level, and if you are seen to be doing cutting edge research as you help your clients. Why consultants do research is to: learn new skills; attract new talent; keep new talent; and attract clients and prospects.

“If you are doing something old, you won't be doing the first three of these.”



IOActive launches intelligence service for information analysis

IOActive has launched a security intelligence service that it says will deliver highly customised attack information that is tailored to the specific industries and businesses of its customers.

According to the company, this information is prioritised based on the customer's particular business dynamics and delivered as actionable intelligence. IOActive said that it can also support customers with response, remediation and prevention capabilities based on the intelligence provided.

This service will give users insight that cannot be effectively extrapolated for their specific business from data feeds or big data crunching solutions, it said.

Chris Valasek, director of security intelligence for IOActive who will head the service up, said that with an overabundance of security information available to organisations, most will have a security team to assess this information, but not have the expertise to filter and refine the information to know what to do with it.

“IOActive's new Security Intelligence Service arms our clients with the information they need to remediate and activate defences, while also providing the distillation and projection of threats that executive management teams require,” he said.

“With our new Security Intelligence Service we can provide unprecedented detail into our current research without having to divulge it all to the general public. For example, an organisation with strong interest in medical devices can get in touch with us and receive the information directly from the researcher focussed on that area, instead of having to rely on what the mass media provides them.”



Researcher urges industry to not forget old tasks in the face of modern trends

Older research that has not fixed general problems should not be forgotten in the face of new challenges.

Speaking to SC Magazine, James Lyne, global head of security research at Sophos, said that older research is often left and not completed in favour of new and exciting research, meaning that old problems do not get fixed.

Lyne said: “We as a community need to talk about older problems. It is a problem in the industry as people really want to talk about what is news and I want to show the community that we need to focus on fixing stuff.”

Focusing on WiFi security, Lyne said that “some of this stuff is five years old but security researchers are all about the new and the latest trends”.  He called on the security industry to learn and recover old security topics, especially as it is so easy to lose touch with the man on the street.

“We have to find ways to dress up old problems, but not to the detriment of the public. New technology that focuses on processes is all well and good, but we need to bring that back to enable users to put trust in technology,” he said.

In research conducted that involved him 'warbiking' last year in London, Lyne found of almost 107,000 wireless hotspots in the capital, eight per cent used no encryption, 19 per cent of the hotspots used WEP encryption, while the other 81 per cent used WPA or WPA2 encryption. In research from late 2009, TalkTalk found that in a street in Stanmore, Middlesex, of 68 WiFi connections found on the road, only one used the strongest available security (WPA2). The majority (65 per cent) used WPA.

Andrew Barratt, director of professional services Europe at Coalfire, said he agreed with this principle, especially as there is definitely a “skewed focus” by the security research community on zero-day findings.

He said: “These have become a bit like industry Kool-Aid and in fact a lot of the large organisations I've worked with over the years consider them an almost unmanageable risk - within sensible budgets at least. With it becoming widely known that the military weaponise them (Stuxnet, Flame etc.), they have a high value for a while, so the researchers are incentivised in some respects to continue down that path.

“The problem in some in cases is that the old problems are not necessarily ‘hard' in the same sense, but vast in solution delivery, requiring quite large engineering or implementation issues to be overcome - those are less interesting to the hacker community. Nobody is going to get a Black Hat slot by saying ‘on principle, we disabled insecure wireless on all our devices to stop people doing silly things, then patched all in-the-field kit globally'.”

However, Tim Anderson, commercial director at Portcullis Security, asked why any researcher would spend time working on something that is old hat, or has no commercial benefit for their company or community.

He said: “The business doesn't understand security, while security people are not spending time attempting to discuss the business cost to security as they are not business people, so it gets ignored as it is not interesting to business.

“New research would get interest at the business level, and if you are seen to be doing cutting edge research as you help your clients. Why consultants do research is to: learn new skills; attract new talent; keep new talent; and attract clients and prospects.

“If you are doing something old, you won't be doing the first three of these.”



70% of Small Business B2B Websites Lack A Call to Action

B2B small business website call to action statistics

Does your home page on your website have a call to action?  In other words, does your website home page attempt to get the visitor to do something â€" besides simply read and leave?

Examples of a call to action might be:

  • subscribe to an email newsletter
  • view a product demo
  • request a consultation, estimate or quote
  • download a white paper, or
  • take advantage of a special offer

If your website has such a call to action, give yourself and your marketing team a pat on the back.  You are doing better than 70% of B2B (business to business) websites.

A new study reviewed 200 websites of small businesses.  The businesses all had under 100 employees.  For this particular study, all were B2B, i.e., businesses that sell to other businesses, not to consumers.

And the results are surprising â€" surprising in how much money small businesses are probably leaving on the table.

Why B2B Sites Need A Call To Action

A “call to action” is just what the words suggest.  It’s something designed to get a website visitor to take action.

The reason you need one is simple.  After spending a lot of money and effort putting up a website and promoting it and getting visitors to it â€" the last thing you want is for that visitor to leave without establishing some connection with him or her. Today there are billions of Web pages.  Will that visitor ever find your website again?  Have you given that visitor some means to remember your business?   Have you taken a step â€" even a small one like a newsletter signup â€" to stay in contact with that visitor?

While some B2B websites have direct commerce on them, more than likely a B2B website doesn’t expect visitors to buy something online on the first visit.  Rather, the goal is to establish a connection with interested Web visitors. Later on you try to turn those visitors into customers.

That usually means getting visitors to voluntarily give you their email address â€" hence, a call to action. By giving you their email address, visitors are giving you permission to communicate with them.  From there you can begin to develop a relationship.

Other Website Failings

But it takes more than a call to action to make an effective B2B website.

Your website needs to be readily found in search engines. If someone goes to Google to search for the kind of product or service you offer, you certainly want them to see YOUR website.  That person already looking for whatever you sell has far more potential to become a sales prospect, than Joe Schmoe you bumped into on the street. Your site needs to be visible enough in the search engines to get people like that to click over to your website.

Once on your website, if visitors like what they see, they may want to pick up the phone to call you. For that, your contact information needs to be easy to locate.

It’s good to have a blog on a B2B site â€" and that blog also needs to be easily findable. The same goes for social media profiles. If you’re spending time connecting with people on social platforms like LinkedIn and Twitter, then you certainly want people to be able to figure out how to follow you on social accounts, by looking quickly at your website.

Resources and tools that peak visitors’ interest are also helpful.  Here again, they need to be easy to locate on your website.

And the list goes on.

Yet, according to this study, the vast majority of B2B small businesses do not make it easy for their sites to be found in the first place, or for visitors to contact them or stay in touch:

  • 56% of B2B small business websites don’t use meta descriptions that show up in search results and could help draw visitors into the website
  • 70% don’t list a phone number prominently â€" it’s buried somewhere and hard to find
  • 87% don’t do anything to make their “contact us” option stand out
  • 82% don’t bother to even list their social media profiles

Just think of the missed opportunities!  The items above are relatively simple and inexpensive changes to make â€" possibly just a few hours of work by the company webmaster or tech team.

It’s no wonder that some small businesses say they don’t get good ROI from their websites.  Their websites aren’t pulling their own weight.

If these things seem so obvious, and are relatively simple changes to make, then why aren’t more small businesses doing them?

It’s a combination of things.  Sometimes we can’t “see” what is obvious to others.  Since we know that phone number is there â€" somewhere â€" it never occurs to us that it’s hard for an outsider to find.  Or we may just not have an organized list of what a good website should contain.  A lot of small businesses don’t have full-time marketing staff, or the staff could be small and overloaded.  A best practices list falls to the wayside when you are short on resources.

The “Small Business B2B Call to Action Study” was sponsored by our company, Small Business Trends.  It was conducted by Online Marketing Coach, and its CEO Mike Murray. It’s based on an in-depth review of websites of 200 small businesses chosen randomly from the ReferenceUSA database.

The 30-page study is full of examples of best practices, as well as examples of what not to do.  It’s accompanied by a spreadsheet you can download with a 30-point checklist of elements a good B2B website should have.  We hope you’ll find it as interesting â€" and valuable â€" as we’ve found it.  Download the B2B Call to Action Study and Checklist here.