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What to expect when applying for a business bank loan
You have an idea and want to start a business. You need to borrow money and decide to go to a bank for a business loan. Well, you may find out there are certain things the bankers will want from you besides just a completed application. It’s been said that banks only lend money to […]
Just what you need, right? One more time-consuming task to be taken care of between now and the end of the year. But taking a little time out from the holiday chores to make some strategic saving and investing decisions before Dec. 31 can affect not only your long-term ability to meet your financial goals,
Spelling Out Fiduciary Access to Digital Assets
On Sept. 29, 2016, Governor Andrew Cuomo signed into law a new statute amending the New York Estates Powers and Trusts Law regarding the administration of digital assets. The New York State Assembly memorandum in support of the legislation explains the need for this legislation as follows: “The wide use of digital assets has created
How To Create A Fulfilling Retirement When Every Day Is Saturday
It’s the dream retirement that many people anticipate for decades. Hang out around the pool all day. Play one round of golf after the other. Finally read that teetering stack of books on the nightstand. In retirement, every day is Saturday — only without the dread about what Monday morning back at the office might
25 Do’s and Don’ts of presenting in front of groups I have lost count of the number of company events, community awards, association dinners, and meetings that I have attended where the individual presenting has made classic errors in his/her delivery of material and keynote presentations. It is always so uncomfortable when I look around
How Businesses Can Make the Most of their Stakeholder World
Businesses often consider it a top goal to provide value to their shareholders, but these days it may be just as important to concentrate on producing value for “stakeholders.” Companies have a plethora of stakeholders, such as customers, employees, suppliers, and local communities, among others; the sum total of which represents a business’s stakeholder world.
Organizational Change Made Easy: Give Them a Better Option
One of the most pervasive “truths” about organizational change is what change is hard. It’s “common knowledge” that people resist change. We all “understand” that change is difficult, change is slow, and change initiatives often fail. We have ample evidence to believe this so. There are estimates that upward of 70 percent of all large-scale
Sustainable Entrepreneurs and their Ventures
It is a recognized driver of innovation providing enormous opportunity for business. Consultancies such as McKinsey and large corporations like Target have created successful whole divisions related to it. Colleges and universities are offering more programs and degrees to meet the demand for it. Investors are investing in it, and consumers are demanding more of
Tips & New Initiatives for Health-Care Plans from the U.S. Department of Labor
Mary Rosen, associate regional director of the U.S. Department of Labor (DOL) for New England including upstate New York, recently gave a presentation on common issues with health-care plans. She also described six tips for common plan errors and three new initiatives the DOL is working on. Based upon common errors seen by the DOL,
An overview of specialty drugs & their impact on your pharmacy-benefit plan
Specialty drugs are high-cost prescription medications typically used to treat chronic conditions. Most often, they require specialty handling and administration by the dispensing pharmacy and prescribing physician. At a glanceComplex Large Molecules and Biologic Drugs Biology-based molecules that structurally mimic compounds found within the body. High Cost per Prescription Average cost of $3,000 per month.
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