This year the Medicare open enrollment period overlaps with open enrollment for the Affordable Care Act (ACA) marketplace also referred to as “Obamacare.” Medicare isn’t part of the Health Insurance Marketplace established by ACA, so recipients don’t have to replace their Medicare coverage with Marketplace coverage. Medicare enrollees may also benefit from the improved…
Despite the challenging economic conditions in recent years, investment into certain industries has still been strong. However, one of the areas where investment has been lacking to a noticeable degree has been the retail industry. The big problem with retail is that you can’t look at the industry’s problems and put them all down to…
If you ask someone what is the first thing they think of when they think of Scotland it is likely that the answer will be one of 3 things; tartan, haggis and of course our beloved dram – whisky. It is arguably our greatest ever export and is one of the UK’s top ten exports…
Investing is generally a better idea than sitting on your money. With the constant inflation we face, saving money doesn’t make as much sense as it used to. If your money isn’t making more money, it’s losing money, as its purchasing power will most likely decrease over time. Many entrepreneurs have found success with various…
If you have made the leap into small business owner, congratulations. You have made a reality of what only remains in the realm of dreams for many. The road ahead is certainly challenging, and you will make mistakes. You can bone up on all sorts of tips, but ultimately, experience is the best teacher when…
There is a mind boggling diversity of apps available to address problems that don’t even exist. That is not to say that an app must address a problem or need of course, but if it does then it can mean serious returns for the developer that solves the problem. One such problem has frustrated home…
A chargeback – a kind of refund in which the buyer prompts his or her credit card company to forcibly transfer money away from a seller – is a major obstacle for modern merchants. Whether the buyer demands a chargeback because of customer service objections, the product they received was not what they expected, or…
The United States Small Business Administration or SBA helps the small businesses to grow. It is the best friend of the small businesses. However, only during the 8a application process, the SBA is not the pal of small businesses. So, if you are an entrepreneur wanting to get 8a certification, it is important for you…
Contracts are an essential part of the modern corporate sphere. Whether you’re in the business of manufacturing goods, providing services, marketing others’ products and services or developing new products and services, your organization will need to be involved in business arrangements. Private companies are awarded contracts to complete jobs for municipal or government agencies, vendors…
Having a small and disadvantaged business doesn’t mean you will get your company 8a certified. There are several SBA 8a certification requirements, which a company needs to meet to obtain the 8 a certification. Every company’s evolution occurs in stages and it is difficult to point out the best time in a company’s development cycle…
When it comes to buzzwords in the field of technology, “cloud computing” is certainly up there on the list. However, that doesn’t mean that the hype is undeserved. Whether you’re considering moving to cloud computing, never heard of the term before, or have already made the leap, here are five decisions that you should consider…
We have all been in a situation where venturing out to a new restaurant resulted in a bad dining experience, whether the food you were served was of a poor quality or you witnessed a food hygiene disaster, everyone has a horror story to share. We all want the best value for money, but for…
Law is a special-purpose language that is written by law-makers for the masses. However common people find it difficult if not impossible to interpret law and its technicalities, and therefore, they hire a lawyer to handle their legal issues. The common man understands legal words like “Guilty,” “Not Guilty,” “I Do,” and others, and perhaps…
