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Get Complete Protection With Health Insurance Policy

March 5th, 2015

Insurance protects against the future risk and financial loss. Insurance can be explained as the compensation for future loses in exchange for premiums. Insurance is planned for the financial protection of any person, organization and expensive accessories.

Insurance protect us in the various ways such as – health insurance, life insurance, homeowner’s insurance, investment insurance, car insurance, business insurance and many more. Insurance makes us easy to take risk. The article puts light on the benefits, and need of a health insurance plan.

At present, a large number of people are suffering from the physical disorders. Pollution, lack of purity in food, lack of exercise, family history, unhealthy lifestyle, and mental burden are responsible for the physical disorders. Health insurance policy protects people financially against medical aid or treatment.

There are many health insurance plans in the market from which you can easily choose the best one. Many people avoid health insurance because they don’t want to pay an important part of their income for the insurance premium, but they are not aware about the future benefits of a health insurance.

Health insurance covers all the medical expenses you need for operation, treatment or emergency medical assistance.

The federal government has offered a range of low cost health insurance plans that provide medical compensation. There are many low cost health insurance polices for the poor and budget families. In competitive aspects of the market, low rate of premium attracts the people. So it’s wise to have a sound health insurance policy.

While looking for cheap health insurance, you apparently desire to locate an affordable health insurance policy offered for a cheap, reasonable price. The finest technique to discover cheap health insurance is to analyze different insurance providers and their insurance plans.

You can compare insurance quotes of several insurance providers or policies to choose your insurance policy or company. You can evaluate all the quotes to find the cheapest health insurance. There are numerous health insurance companies that are more than willing to present you cheap health insurance. You should make thorough research to choose your health insurance company or policy.

Health Insurance Guide

March 5th, 2015

Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government. Health insurance provides coverage for medicine, visits to the doctor or emergency room, hospital stays, advanced therapy, surgeries, and other medical expenses.

In addition to this, dental, vision, hearing and medical equipment could be included in the coverage. Now-a-days, there are several health insurance companies providing these services. One must choose the plan that suits his/her budget.

A health insurance policy is a legal, binding contract between insurance company and insured. A policy that provides a great amount of coverage and flexibility includes high cost of premium while premium may be lower for a policy that provides less coverage or flexibility.

There are various insurance polices available in the market but you should buy that policy for which you have to pay minimum to get the maximum benefits. For selecting the affordable insurance policy, you have to dig out the detail information about different healthcare insurance policies offered by different insurance companies that will help to pick the right one match fits to your pocket as well the requirements.

There are numbers of cheap and affordable healthcare insurance policies available for an individual, family, and child or for the employees of the company. You can easily visit the websites of different insurance companies in order to gather the information about the insurance plans and their features.

There are numerous websites relating to the insurance companies for the help of the customers, which contains the update information of different insurance plans with premium payment schedules to take out an affordable insurance policy. You can use the facility of insurance agent if you don’t have enough time to compare the insurance quotes of different insurance companies. One another way is to call the customer care of the insurance company that provides the health care insurance where you can get the full information about the policies of the insurance companies.

A number of options such as fee-for-service insurance, managed care plans, open enrollment in managed care plans, association-based health insurance, and high-risk pools are available for individual health insurance. If you belong to a professional, community, or religious organization you can go for the option of group insurance policy.

There are lots of other ways to collect the affordable insurance policy from the market of insurance, the only thing to be in mind that you should have the proper information about the insurance policy you want. After finding the best healthcare insurance policy you can fill the application form.

How To Work On Federal Government Contracts

February 21st, 2015

If you are interested in securing federal government contracts these tips will help you make the most of the opportunity. What you will need to do is determine what your business is going to specialize in and once you have determined your speciality there are websites like fbo.gov which will provide you with access to all of the open contracts being offered by the federal government.

All of these contracts are open to competition however preference can be given to companies that are owned by veterans or visible minorities. If you are a veteran, woman or member of a visible minority then you will need to apply for special designation, this designation will give you a distinct advantage when competing with other businesses.

While reviewing the various contracts being offered you could qualify as either the primary or a sub-contractor. Even if you are able to meet the requirements outlined in the tender you will need to install a DCAA (Defense Contractor Audit Authority) certified accounting system. This accounting system will need to keep track of all the hours worked on a particular task.

While documenting the time being worked it is also necessary to track the cost of materials. There are services like Deltek that charges over $25,000 just to implement their software which is very expensive. What the majority of firms do is use cloud based accounting service like ERP Gov Cloud which is DCAA compliant.

After you have submitted your proposal and have received a preliminary approval there will be an auditor who will visit your place of business. During this audit the auditor is going to review your accounting system and also make sure you understand the billing procedures. If you fail the audit you could lose the contract so you really need to do your homework to reduce the risks of failing the review.

There are some individuals who think you have to hire a CPA or have a substantial amount of money to do work for the government but that is not true. A significant portion of contractors have less than 10 employees and less than $100,000 per year revenue so if you are serious about making money working for the federal government then you should seriously think about working with them. One of the drawbacks is meeting all of the compliance requirements but you will have peace of mind knowing your invoices will be paid, at the very least you should review the opportunities so you know what options are available to you.

In the Cold Winter Weather Our Thoughts Turn to Warmer Places

February 11th, 2015

Wouldn’t it be great to move abroad, holidays are good but retiring abroad in due course might be quite appealing? What are your future plans for your retirement?

To semi-retire abroad or anywhere else, you may need some kind of hobby-business or work, something to keep you busy and give you an interest and boost your income, something to plan for to improve your future.

There are a number of things you could consider: Offering bed and breakfast or a self-contained apartment for paying guests. Maybe you could find a little job but with the unemployment in Europe it is not very likely. You could train as a plumber or electrician to serve the properties of the English-speaking communities.

Maybe you could do a TEFL teaching course, they do have a website showing weekend courses with further course work to complete over 12 months. You would then be qualified to teach English as a foreign language.

All the suggestions offer some flexibility but working from home creates fewer ties and would give more freedom and flexibility. Also most of these are quite physical jobs, is that what you would be looking for? Do you want to consider a physical job or take a more leisurely approach?

How does an online business appeal? There are many things you can do on the internet. You could offer a service or market products. Is there anything in your current work that you could turn into a hobby business?

What skills do you have already, what would you need to learn? Are your IT skills good? Is marketing your forte? What products or niche interests you, is there a market you can tap into? You will need to do some research. A good starting point to follow – check the number of books and magazines that are available on your subject. If there is a good supply it is a pretty strong indication there is an interested following. Follow it up by searching and testing on Google.

If your IT or marketing skills are lacking you can take courses or out-source tasks you find difficult or unappealing and leave yourself more time for things you are good at and enjoy. A couple of popular websites offering out-sourcing facilities are Fiverr and Elance.

If you do a Google search you can find pretty much anything you require on the internet from courses and advertising to tips newsletters products and companies looking for marketeers to sell their products. Selling other peoples products is called Affiliate market and is a simple way to start online. You could offer a service, perhaps booking holidays, or taking wedding photos. The choices and ideas are endless. You could write eBooks or manuals and market them through ClickBank.com, or you could market products through Amazon or other websites. More hobby business ideas can be found by Googling your niche.

If you like writing you could consider writing kindle books. Or if you a have expertise in teaching or training you could consider a new type of membership websites, that is simple to set up and run.

I hope all these ideas will set you thinking. If you do set up a business do it now, start as a hobby business part-time whilst you have an income from your present work and enjoy growing it at your leisure, you will then be prepared when you are ready to retire, whether it is in this country or somewhere warm.

My name is Anne, “we always give more value than you expect”.

Why Are Kitchenaid Dishwashers so Fashionable Nowadays

January 21st, 2015

What kind of a twist is a Kitchenaid Dishwasher? It is a powerful, hardworking system that may wash even the dirtiest of dishes. Also, it contains a hard food disposal built right into that would save you a great deal of time.

Kitchen Aid Dishwasher Common Characteristics

Since it has the hard food disposal built right into, it is not needed to clean and rinse the dishes anymore. This entails there is no more scrubbing and soaking, but even so your dishes will be sparklingly clean. The disposal system helps the dishwashing machine to remove the left food and and then grinds it down ensuring that the debris does not end on your dishes again.

Besides, you might look for the Kitchen Aid Pro Scrub cleaning system. This method gives your dishwashing machine great abilities in washing the greasiest saucepans and skillets without any specific rinsing or scrubbing. As well, it works in so quiet fashion without bothering you at all.

Upper Shoal aerial view

Place your pans and frying pans into the special section of you dishwasherand let the burst of water rinse them so powerfully that there will be no traces of mess and oil left

Every Kitchenaid dishwasher holds four rinse arms made of durable stainless steel, which is twice as bigger than the standard dishwashing machine. Because it contains four arms it entails your dishes will be washed thoroughly each time.

Even So, maybe you would like an advanced rack system which ensures each item is placed in good order. So, you will know precisely where to put your pans, bowls or plates. Additionally, there will be no more leaning or shifting, and your dishes will stay exactly where they should, completely clean after being washed.

Kitchen Aid Drawer Dishwashers

It is a perfect solution to buy a Kitchen Aid Drawer dishwashing machine if your kitchen doesn’t have enough space. These kinds of dishwashers come in either single or double drawers and they run small or large loads.The average kitchen aid double drawer dishwasher has five cycles, meaning wash only, fast clean, gentle, normal, and heavy. They also include three cycle options, are certified in Energy Star, can handle up to ten place settings, and the Whisper Quiet Ultima Sound Package.

Kitchen Aid In Sink Dishwashing Machine

If you have small loads and need a quick operating dishwasher opt the kitchen aid in sink dishwasher. The great thing about these dishwashers is that they can be applied as a place for food preparation or as a double sink.

The second sink is really deep and could take a pot that is as big as fourteen inches deep. In addition, there is an onboard cutting board where you can prepare food and leave hot pots. Its extra characteristics let in four cycles such as pots and cooking pans, normal, quick, and wash only cycles.

Indoor Pollutants Can Be As Harmful As Anything In A Crowded City

January 21st, 2015

In the last decade, there has been a marked increase in the number of reported allergies, asthma attacks and headaches as compared to previous years. Although there are many possible reasons for these conditions, most of them can be traced back to only one thing – the worsening quality of air that we breathe. Air pollutants have always been around but recently, their concentration in the atmosphere has risen to dangerously high levels, resulting in many kinds of negative consequences, like people getting sick and properties being damaged.

In an attempt to protect themselves from air pollutants, many people try to spend more of their time indoors than risk going out and inhaling all the dust and smog in the city. What they don’t know is that there are also air pollutants inside the house, sometimes even more than there is outside. Seemingly harmless household activities like cooking, doing the laundry, using the air conditioner and blow-drying your hair can all contribute to the release of indoor air pollutants that are potentially very harmful to the body. Ironically, in their efforts to minimize the damage to their health, people are actually exposing themselves to greater threats.

According to the Environmental Protection Agency or EPA, there are three basic categories of air pollutants – ground level ozone, particulate matter and carbon monoxide. Environmental studies show that the first two categories are the most rampant in our atmosphere today, hence posing the greatest threats.

Many of us know that the ozone layer is very important to the earth because it protects us from the sun’s ultraviolet rays. So how can ground-level ozone be bad? Simple, because ozone is only good when it is way up there in the stratosphere but not when it is in the air that we breathe. Ground-level ozone comes from exhaust fumes from vehicles and factories. It is also produced as a byproduct when volatile organic compounds combine with nitrogen oxides and are exposed to sunlight. Few people realize it but ozone is actually the main component of the well-known air pollutant that we know as smog.

Global warming also plays a significant role in the growing problem of ground-level ozone. This compound forms faster in hot weather and with the frequent heat waves brought about by global warming, more and more ground-level ozone is being emitted into the atmosphere.

Particulate matter is another kind of widespread air pollutant. These are combinations of minute particles like dust, soil, organic chemicals and acid droplets. You would think that the smaller the particles get, the smaller the damage they can inflict. Quite the contrary, the tiniest particles are those that can make their way through your body’s respiratory filters and into the lungs and heart, thus causing a more serious effect on the health.

Finally, carbon monoxide is relatively the least prevalent among the three types of air pollutants but by no means is it any less dangerous to people’s health. More than 75% of the total carbon monoxide in the urban atmosphere today comes from motor vehicle emissions while most of the remainder comes from industrial wastes.

Majority of the sources of air pollutants are things that are already parts of our society, which is why it will be very difficult to solve this problem. But if each of us makes even a tiny contribution, it is still possible to make our atmosphere as clean and healthy as it was decades ago.

The Benefits of Using Automatic Dishwasher

January 19th, 2015

Since many people lead a quick lifestyles, an automatic dishwashers have turned into a necessary item in their homes. It has been of great help in washing the dishes after entertaining guests or cooking simple family meals. You just have to to scrub leftovers from the plates and glasses, rinse off them under the tap, and order them in the dishwasher. You can do it later, as you can simply set a timer and let your automated dishwashing machine operate at night, or during the day when nobody is home!

There are a great number of advantages of an automatic dishwashing machine, besides those which prevent scrunched fingers and the aged “dishwasher diarrhea” – a common ailment of adolescents.

You can remove your dirty dishes out of the sink, and set them in the dishwashing machine, thus making your kitchen look finer and cleaner.

In comparison with manual washing, automatic dishwashers spend less water and save time as well.

Automatic dishwashing machines give better results not only in cleaning, but also and sanitizing dirty dishes. According to the statistics, the average bacteria count for for dishes washed in the machine is less than 1per plate wheras those that stay there after being scrubbed by hand is approximately 390 count per plate!

Only in instance the dishwasher is loaded improperly, the dishes can be cracked.

If you have pprovided a brand new automatic dishwashing machine, pay the attention on the directions on how to load and care of the appliance properly. It is required torealize how the mechanisms operate, and its special characteristics. Moreover, numerous new dishwashing machines are packed with the sample package of the recommended dishwashing detergent. Still, if yours doesn’t, refer to the owners’ manual to see if they can recommend some.

Automatic Dishwashing Machines

The role of the automatic dishwasher is to push hot water while dissolving a cleaning detergent and making it to incessantly flush the contents of the tub, removing leftovers from the dishes, then expelling the impure detergent .And Then, it refills hot water, flushes and washes off over again, throws out the rinse water, and eventually dries out the dishes.

Washing Systems

Automatic dishwasher has a remarkably projected irrigation or washing systems. some of them have only one spraying source at the bottom of the unit, while others can be equopped with many sprayer heads, some of them being located on “towers”. The distribution of water is done through towers, into the revolving spray arms.

The Importance of Water

The purpose of water during the process of dishwasher washing, is to dissolve the detergent and then be the “carrier” to washing the dirty dishes. When this is finished, clean and hot water must flush, staying soil and removing detergent from the surface of the dishes, drinking ware, tableware, and cooking utensil. The power of the dishwasher lies in forcing the water through the spraying arms and water ports, when the dishes become clean and sanitised after having been scrubbed.

Despite the modern feeling, a dishwashing machine works with a minimal measure of water required for cleaning the dishes. It isn’t filled up to the brim, as in that case a flood would appear each time you open the door during its cleanup cycle. In order to get the optimal outcomes in washing and cleaning the dishes, water is loaded and thrown away several times during a cycle. Ordinarily, around 6-10 gallons of water passes in one cycle.

Payroll New Hampshire, Unique Aspects of New Hampshire Payroll Law and Practice

January 2nd, 2015

New Hampshire has no State Income Tax. There for there is no State Agency to oversee withholding deposits and reports. There are no State W2’s to file, no supplement wage withholding rates and no State W2’s to file.

Not all states allow salary reductions made under Section 125 cafeteria plans or 401(k) to be treated in the same manner as the IRS code allows. In New Hampshire cafeteria plans are taxable for unemployment insurance purposes. 401(k) plan deferrals are taxable unemployment purposes.

In New Hampshire supplemental wages are required to be aggregated for the state income tax withholding calculation.

The New Hampshire State Unemployment Insurance Agency is:

Department of Employment Security

Unemployment Compensation Bureau

32 S. Main St.

Concord, NH 03301-4857

(603) 224-3311

[http://www.nhworks.state.nh.us/ucpage.htm]

The State of New Hampshire taxable wage base for unemployment purposes is wages up to $8000.00.

New Hampshire requires Magnetic media reporting of quarterly wage reporting if the employer has at least 250 employees that they are reporting that quarter.

Unemployment records must be retained in New Hampshire for a minimum period of six years. This information generally includes: name; social security number; dates of hire, rehire and termination; wages by period; payroll pay periods and pay dates; date and circumstances of termination.

The New Hampshire State Agency charged with enforcing the state wage and hour laws is:

Department of Labor

Inspection Division

95 Pleasant St.

P.O. Box 2076

Concord, NH 03302-2076

(603) 271-3176

http://www.labor.state.nh.us/

The minimum wage in New Hampshire is $5.15 per hour.

The general provision in New Hampshire concerning paying overtime in a non-FLSA covered employer is one and one half times regular rate after 40-hour week.

New Hampshire State new hire reporting requirements are that every employer must report every new hire and rehire and contractors over $2,500. The employer must report the federally required elements of:

Employee’s name
Employee’s UI ID
Employee’s address
Employee’s social security number
Employer’s name
Employers address
Employer’s Federal Employer Identification Number (EIN)

This information must be reported within 20 days of the hiring or rehiring.
The information can be sent as a W4 or equivalent by mail, fax or electronically.
There is a $25.00 penalty for a late report in and $500 for conspiracy in New Hampshire.

The New Hampshire new hire-reporting agency can be reached at 800-803-4485 or 603-229-4371 or on the web at [http://www.nhworks.state.nh.us/newhire/newhire.htm]

New Hampshire does not allow compulsory direct deposit

New Hampshire requires the following information on an employee’s pay stub:
statement of deductions

New Hampshire requires that employee be paid no less often than weekly; biweekly, semimonthly, or monthly if commissioner agrees.

New Hampshire requires that the lag time between the end of the pay period and the payment of wages to the employee not exceed eight days after workweek when wages are earned.

New Hampshire payroll law requires that involuntarily terminated employees must be paid their final pay with in 72 hours; next regular payday if suspended due to labor dispute or temporarily laid off. Voluntarily terminated employees must be paid their final pay by the next regular payday or by mail if employee requests it; within 72 hours if 1 pay period’s notice is given.

Deceased employee’s wages of $500 must be paid to the surviving spouse; adult children; parent; siblings; funeral expenses (in that order).

Escheat laws in New Hampshire require that unclaimed wages be paid over to the state after one year.

The employer is further required in New Hampshire to keep a record of the wages abandoned and turned over to the state for a period of 10 years.

New Hampshire payroll law mandates no more than $2.77 may be used as a tip credit.

In New Hampshire the payroll laws covering mandatory rest or meal breaks are only that must have 30 minutes rest after five hours of work.

There is no provision in New Hampshire law concerning record retention of wage and hour records therefor it is probably wise to follow FLSA guidelines.

The New Hampshire agency charged with enforcing Child Support Orders and laws is:

Division of Child Support Services
Department of Health and Human Services
Health and Human Services Bldg.
129 Pleasant St.
Concord, NH 03301
(603) 271-4427

http://www.dhhs.state.nh.us

New Hampshire has the following provisions for child support deductions:

When to start Withholding? 14 days after receipt of order.
When to send Payment? Payday.
When to send Termination Notice? Within 15 days of termination.
Maximum Administrative Fee? $1 per payment.
Withholding Limits? Federal Rules under CCPA.

Please note that this article is not updated for changes that can and will happen from time to time.

Charles J. Read, CPA has been in the payroll, accounting and tax business for 30 years, the last fifteen in private practice. Mr. Read is the author of “How to Start a New Business”.

Article Source: http://EzineArticles.com/225342

How Commercial Lenders Went Wrong With Small Business Financing

January 2nd, 2015

Small business owners will be more likely to avoid serious future business finance problems with working capital management and commercial real estate loans by exploring what went wrong with business financing and commercial lending. This is not a hypothetical issue for most commercial borrowers, particularly if they need help with determining practical small business financing choices that are available to them. The bankers and banks responsible for the recent financial meltdown seem to be saying that even if anything actually went wrong, everything is fine now in the world of commercial lending. Nothing could be further from the truth. Commercial lenders made serious mistakes, and according to a popular phrase, if business lenders and business owners forget these mistakes, they are doomed to repeat them in the future.

Greed seems to be a common theme for several of the most serious business finance mistakes made by many lending institutions. Unsurprising negative results were produced by the attempt to produce quick profits and higher-than-normal returns. The bankers themselves seem to be the only ones surprised by the devastating losses that they produced. The largest small business lender in the United States (CIT Group) declared bankruptcy after two years of attempting to get someone else to pay for their mistakes. We are already seeing a record level of bank failures, and by most accounts many of the largest banks should have been allowed to fail but were instead supported by artificial government funding.

When making loans or buying securities such as those now referred to as toxic assets, there were many instances in which banks failed to look at cash flow. For some small business finance programs, a stated income commercial loan underwriting process was used in which commercial borrower tax returns were not even requested or reviewed. One of the most prominent business lenders aggressively using this approach was Lehman Brothers (which filed for bankruptcy due to a number of questionable financial dealings).

Bankers obsessed with generating quick profits frequently lost sight of a basic investment principle that asset valuations can decrease quickly and do not always increase. Many business loans were finalized in which the commercial borrower had little or no equity at risk. Banks invested almost nothing in cash (as little as three cents on the dollar) when buying future toxic assets. The apparent assumption was that if any downward fluctuation in value occurred, it would be a token three to five percent. In fact we have now seen many commercial real estate values decrease by 40 to 50 percent during the past two years. Commercial real estate is proving to be the next toxic asset on their balance sheets for the many banks which made the original commercial mortgages on such business properties. While there were huge government bailouts to banks which have toxic assets based on residential mortgages, it is not likely that banks will receive financial assistance to cover commercial real estate loan losses. As a result, a realistic expectation is that such commercial finance losses could produce serious problems for many banks and other lenders over the next several years. As noted in the following paragraph, many lenders have already drastically reduced their small business finance programs.

Inaccurate and misleading statements by commercial lenders about their lending activities for business finance programs to small business owners is an ongoing problem. Although banks have typically been reporting that they are lending normally with their small business financing, the actual results indicate something very different by any objective standard. It is obvious that lenders would rather not admit publicly that they are not lending normally because of the negative public relations impact this would cause. Business owners will need to be skeptical and cautious in their efforts to secure small business financing because of this particular issue alone.

There are practical and realistic small business finance solutions available to business owners in spite of the inappropriate commercial lending practices just described. The emphasis here is focusing on the problems rather than the solutions primarily because of the lingering notion by some that there are not significant current commercial lending problems. Despite contrary views from bankers and politicians, collectively most observers would agree that the multiple mistakes made by banks and other commercial lenders were serious and are likely to have long-lasting effects for commercial borrowers.

The New Normal For Small Business Financing and Working Capital Management

January 1st, 2015

With business financing options changing significantly during the past two years, it is appropriate to review what the “new normal” looks like so that small business owners will be prepared to cope with the challenges they now face with commercial lenders. Business borrowers are more likely to find commercial financing success by quickly accepting the fact that a “new normal” way of doing things has emerged.

The dramatic reduction in the number of commercial lenders that are actively making small business loans is one of the most significant changes in the business finance lending environment. Banks continuing to insist that they are still providing small business financing when in reality they have reduced or eliminated their commercial lending programs is an equally important part of the “new normal”.

A recent report showed that commercial lending activity fell by the biggest amount since records have been kept. This trend seems likely to get worse before it gets better because based on Federal Deposit Insurance Corporation accounting, almost one out of every ten banks is close to failing. The shaky current financial condition of many banks is further documented by reports from the Federal Reserve and United States Treasury Department that over 50 banks did not have sufficient cash flow to make their November 2009 payments for loans made by the Troubled Asset Relief Program (TARP). The payments in question are due quarterly, and over ten banks have missed three consecutive installments. Unlike banks which have tripled and quadrupled interest rates for individual consumers missing a credit card payment, presumably the government regulators are simply hoping to get their money back from the delinquent banks.

Banks have far too often conducted business as if they have a monopoly on their small business financing services. The “new normal” for small business owners should increasingly reflect the growing realization that banks can be replaced when they stop providing an adequate level of service to their business customers.

As a direct result of the continuing shortcomings of banks in providing an adequate amount of small business financing help as noted above, for most business borrowers the “new normal” will involve a new bank or at least a new commercial lender (which might not be a bank at all). Even though banks would like their small business owner customers to keep believing that only a bank like them can help business borrowers, this is truly a myth created by the bankers themselves.

For many essential commercial finance services such as commercial mortgage loans, numerous banks have indicated that they will no longer provide such financing anymore. For specialized business finance services such as working capital management, business consulting and business cash advances, banks only rarely provide a cost-effective and realistic option for commercial borrowers. For business owners which have commercial loans or working capital financing due to be refinanced within the next three years, planning ahead will be increasingly important to the success of their small business financing. With the “new normal”, if commercial borrowers wait until their bank decides to pull the plug on future small business finance programs, the timing is not likely to be as conducive to business refinancing.

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