Sep 18 2013

Workers’ Comp Agency Recommends 4.4% Rate Increase

Published by under Business

workers comp
The agency that helps set workers’ comp rates is recommending they increase 4.4% at the start of next year. The Workers’ Compensation Insurance Rating Bureau in early August recommended that the average benchmark pure premium rates for all of the state’s class codes in-crease to $2.62 per $100 of payroll for policies incepting on or after Jan. 1, 2014.

A good portion of the rate increase is due to increased claims filings, as well as rises in medical costs and permanent disability benefits that partly took effect this year and take full effect in 2014.

This year, benefit increases added an-other $620 million in system costs, the Rating Bureau has estimated. In 2014, the increases will add another $590 million in costs for all workers’ comp payers in the state.

That said, cost increases are expected to be offset by savings from reforms contained in SB 863, which was signed into law in 2012 and took effect at the start of this year. Continue Reading »

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Jul 20 2012

10 Things You Should Do When Opening A New Business

Published by under Business

Article by Chris Davodi of 1 Stop Service Business Resources.

Grand Opening, Opening a new business tips

Amongst the million businesses that open up every year, some make it past their first year and churn profits while others fail in not being able to generate a profit. Perhaps it might be things that are out of your control like the state of the market or even the economy, in general.

While there is a possibility that you might not succeed due to these factors, you can probably increase your chances by making a checklist of tasks that you should complete when you open a new business.

Here are some vital tasks that can help you succeed, or help you survive when things get rough:

#1: In determining whether the business will suit your life’s goals or not, you can proceed to create a business and marketing plan while also using the break-even analysis to determine whether or not the business will succeed before jumping headlong.

#2: Finding a legal structure for your business is paramount, and this means understanding which ownership structure will suit your business, and perhaps, a lawyer will be able to help you streamline your efforts.

#3: Get a good name for your business and make sure you have the paperwork in place.

#4: It is important to find an appropriate business location so that it will stand more chances for success in its first year.

#5: Obtaining Insurance, filing for permits and licenses while also setting tax reporting and accounting are also important tasks.


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Dec 13 2014

Swarovski Supplies online

Published by under Business Services

Written by Too Cute Beads

Swarovski is a world-renowned Austrian brand that has operated in the crystal manufacturing industry since as long as far back as 1895. The company’s precision cut crystals are mostly suited for designer jewelry making purposes. The crystals have come to represent a great level of expertise as they are crafted with care and they have become a symbol of quality in the industry.

These particular crystals are now cut in numerous shapes and they come in different colors. They would make great additions to your jewelry kits as these are used for the confection of pendants as well as other forms of jewelry. Swarovski does not only make crystals, the company also produces crystals pearls and beads. One of the places where you might be able to find a variety of Swarovski crystals would be online.

If you are intending to craft your own jewelry, then you might consider ordering loose swarovski crystals. These can then be transformed into earrings, pendants, bracelets and necklaces. These crystals are usually very durable so they would be thoughtful presents for special occasions such as weddings and birthdays.

In the case that you are looking for a good alternative to pearl, you could also purchase Swarovski crystal pearls. These are specifically made to look like real pearls and they come in different colors and sizes. These types of pearls can be perfect as gifts on occasions such as your mom’s birthday.

Too Cute Beads is an online company that sells Swarovski pendants and other jewelry supplies such as earring kits since 1998.

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Dec 11 2014

Four Tips to a More Engaging Ad

Published by under Advertising

Engagement is becoming an important part of display advertising and digital marketing, but it’s difficult to quantify, even with desktop users. Much of that work involves engaging with your customer base in a meaningful way, generating data you can use to improve your ads based on what customers do once they see your page. How you define and measure that data will determine how precise your efforts at targeting will be.

Willingness to Engage

You have to view your advertising in the context of where it may be published. This is why buy-side platforms allow you to target by interest. Targeting customers by their interest is a good way to apply your competitive research too. Customers interested in the categories that match your products are typically interested in seeing ads like yours. This will increase your click thru rate, and improve your chances of getting a conversion.

Utilize Best Practices

Many of the same practices that you utilize for banner advertising also apply to the mobile sector, but ad sizes are very different on mobile. Check with your buy-side platform to see which ad sizes perform best. Also be sure that your ads do not contain loud colors, or text that is hard to see. Test your ad units thoroughly. Run your own testing to confirm that your page loads efficiently and that mobile users can see everything.

Personalize, but Don’t Over Personalize

Generally, some of the biggest names in advertising agree that we are headed toward predictive marketing. That’s what makes targeting so useful. It allows advertisers to deliver a precise message to an intended audience. However, there is a dark side to this targeting that you need to be aware of. Ads tend to follow users around if they repeat searches within the categories you target. Wherever possible, fine tune the frequency of your advertising and try to target new users by expanding your target market.

Practical Tips

Rich media content is still popular in mobile advertising, especially content that encourages users to do something interactive. It’s also important to remain part of a seamless experience, so how your ads are shown is extremely important.

Bio: Ted Dhanik leads the team at engage:BDR, home to a buy-side platform for desktop and mobile advertising. Ted Dhanik previously helped develop brands and Ted Dhanik is available at engage:BDR.

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Nov 20 2014

Cut Costs on HR Management Without Cutting People

Published by under Business Services

Written by: Allied Time

Human resources are a company’s greatest asset, but they are also one of the costliest parts of doing business. The good news is there are ways to trim the costs of managing your employees without cutting your staff, like investing in new time clocks that keep time accurately. Layoffs are regrettable in almost every situation, so if you’re weighing layoffs for your company then this information is especially timely for you. Before you consider cutting staff, consider cutting costs first.

Save on Insurance

With the new healthcare laws, mid-sized businesses are finding it difficult to keep up with the requirements to supply health care to workers. You also face steep penalties for not fulfilling this requirement. One option you have is to share costs of healthcare with workers. You can raise the deductibles and lower some of the premiums to try and cut services your employees aren’t utilizing and save everyone some money. Another alternative is creating a wellness program in your business, that rewards employees with lower premiums based on their health. It’s also a good way to incentivize healthy lifestyles.

Save on Time Management

Utilizing fingerprint time clocks will help employees log into their terminals faster, as they won’t need to waste time recalling a password. These clocks are also hooked into time systems online, enabling management to balance schedules quickly. Employees can check time and make their own edits as well, so HR only needs to approve the time.

Save on Time Fraud

It’s not something we like to think about, but time fraud is real. Employers that utilize biometric time clocks tend to have fewer incidences of fraud, as the biometrics confirm a user’s identity. The clocks won’t keep a worker on site all day, but will make it much harder for that worker to deceive management by trying to clock in and out at strategic times.

Save on Payroll

When you utilize time clocks and online systems, your human resource team needs to do a lot less processing for payroll. The hours will be noted properly, barring some malfunction in the system, and approval is a matter of getting confirmation and cutting a check to the employee. Everyone benefits from a simpler system, especially the business owner. Payroll deadlines are like crunch time every other week, so relieving HR of the stresses involved in payroll processing will make their work manageable and allow them to concentrate on services for employees.

Related Story: How One Piece of Equipment can Improve Employee Performance

Related Story: Time Theft: Is It Really a Crime?

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Nov 17 2014

The Future of Engagement

Published by under Advertising

The concept of engagement has evolved quite a bit throughout history. Early advertisers used the idea of engagement to literally engage people, often employing someone to stand on a street corner and howl out deals to passersby. Engagement evolved further to encompass market reach, and referred to publications that were widely read.

Today, the definition is very different thanks to the wealth of metrics available to advertisers. Advertisers who utilize Analytics with display advertising can track a user’s behavior on the page. This helps develop campaigns that are targeted to a specific type of person, leading to higher conversion rates and better click-thrus.

Dialogue with Consumers

Businesses can have a dialogue of sorts with consumers, based on data acquired in real-time. Testing an ad for even a few hours can tell you so much about how users react to changes in your copy or form. This level of interaction essentially means that consumers and businesses shape the brand moment-by-moment.

You can tell, based on bounce rates and clicks, what your consumers respond to. Applying this logic to your banner advertising will tell you which changes have the greatest impact. That is far more effective than simply waiting around for users on Facebook to tell you what they think about your products.

Consumer Behavior

What these trends have revealed is that consumer behavior is erratic, and not simple to define. We can categorize consumers by types, but individuals prove very difficult to target as we are each driven by our own desires. The future of engagement will be somewhat predictive, and we can already see this at work with ads around the Web.

Based on our search terms, or our interests, ad exchanges are able to serve us ads that increasingly target specific interests. Engagement won’t just be a measure of a brand’s reach. It will encompass a consumer’s interaction with that brand, and the image will shape in real-time before the public eye.

The Power of Data

Data will only become more prevalent in this emerging world of marketing, especially as more users adopt mobile for shopping. Mobile marketers are already targeting consumers on the hyper local level. As the level of data grows, so will the complexity of dealing with it. Companies will need to learn how to identify important data sets and take actions accordingly. The major players in the future will be those who are able to process data into actionable items.

Bio: Ted Dhanik is the CEO of engage:BDR, a direct marketing company based out of Los Angeles. Ted Dhanik is a banner advertising guru who sold ad space for and Ted Dhanik co-founded engage:BDR with the goal of increasing leads for business through direct advertising.

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Nov 10 2014

Huge benefits of e-commerce for small businesses

Published by under Business Services

Written by Act Data Services, Inc. 1-800-ACT-DATA

It is a given fact that small businesses have trouble competing with larger businesses that are established and have larger business networks that would be very difficult to try and topple. However, thanks to EDI or electronic data interchange, smaller businesses now have a better chance at competing now thanks to e-commerce. Communicating with different businesses from around the world has now been a whole lot easier and affordable as well all thanks to this wonderful innovation. This means that if you are a small business owner, you will be able to compete with larger businesses if you have a product that can really sell. You can establish a larger network through e-commerce and you will also be able to establish a larger network for you to be able to transact more business. In other words, e-commerce is how you can put your business on the fast track to growth and progress. This is because through edi service, you will be able to reach clients from different corners of the world with virtually low to no cost at all. You no longer have to put up with high and expensive international call rates. Communication and information is key in business, and through EDI, these two will be at the palm of your hands. You will be connected to the people who can make your business successful. That means more investors, more clients, and a larger market share for you as well. Now is that something you would like to be interested in?

EDI provider is the best when it comes to e-commerce. It’s where you can get the most reliable and affordable service.

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Oct 17 2014

Targeting the Mobile Shopper with Precision

Published by under Advertising

Mobile is becoming a significant channel for retailers and affiliates online, but the signals generated by this traffic can be difficult to draw inferences from. It takes an experienced marketer to know what location says about buying habits, or which channels are likely to produce the most motivated buyers. There are also variables you can’t see, like time of day or actual surroundings. All of these are clues to a user’s buying habits, so you need to learn how to pinpoint trends using this data. These tips will help to point you in the right direction, and discover your target market through mobile advertising.

Key Signals

One of the first things you should establish is the list of key signals that identify your market’s interests and buying mode. This means knowing the difference between when a user is comparison shopping, and when they intend on buying. Bounce rate and popular pages are strong signals that content may be interesting, but you need to identify what customers are doing with that content. That’s where goal funnels and events come into play. Once you’ve established a goal funnel, beginning with your landing page, you can see exactly when your visitors leave the site. This helps you pinpoint where you need to make changes to smooth out the buying process.

Anticipating Consumer Intent

How consumers find you is another important aspect of whether your advertising works. You have a degree of control over your targeting when you purchase ad space from a buy-side platform. You can choose your audience based on location, demographics and interests. You should experiment with various targeting settings, both to trim your budget and to reach motivated buyers. In addition, you can utilize re-targeting methods to reach customers who have already seen your ads on other channel.

Mobile Banners and Content

Content marketing and mobile display advertising go hand-in-hand. Banner ads are still one of the primary methods of generating paid traffic, and they have widened the scope of their targeting. As more websites adopt to mobile use rates, banners that have a consistent look and feel to desktop counterparts can help drive sales from mobile devices.


Mobile traffic is not something you can afford to ignore for very much longer, and indeed, testing now while costs are low is a good idea. Mobile isn’t something you should build your business off of yet, but it would be a great time to begin porting your successful desktop campaigns over to the mobile platform and making some adjustments. The benefits are simply too great to ignore.

Bio: Ted Dhanik is the CEO of engage:BDR. Ted Dhanik helps advertisers engage with their audience through display advertising. Read tips on how to generate leads online or on mobile from Ted Dhanik and engage:BDR.

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Oct 15 2014

Custom protective packaging

Written by Canada Foam by Mail

Whether you are travelling, moving out or shipping your belongings, you would require a safe way to protect them from damages and shock. Custom protective packaging provides the right cushioning for your belonging, whether that is a musical instrument, glassware, camera or weapon.

You can usually order foam box inserts made of flexible polyurethane foam to create a protective packaging for your goods. Foam protection is ideal when packaging and shipping particularly fragile, breakable and perishable items. The advantage of using custom foam packaging is that they easily adapt to your packaging needs as they come in different shapes and sizes.

If you have to protect electronic goods such as sensitive circuit boards, computer chips or resistors you can opt for anti-static foam inserts made of polyurethane (open-cell foam). You can also choose convoluted foam inserts that look like egg crates for better stability and protection against movement. Convoluted inserts provide a good cushioning and resistance to impact, thus protecting from breakage.

When choosing the foam for your packaging, look for lightweight foam packaging to minimise freight or shipping costs. You should also ensure that the foam pad would provide good protection against vibration, shock and compaction when the goods will be in transit or stored.

Carlo Badalamenti is the VP of the Foam Factory, a company that has existed since 1980. The company provides a good selection of packaging foam in Canada at competitive prices, including custom protective packaging.

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Oct 15 2014

International Shipping Regulations

Published by under Business Services

Submitted by

If you have plans to leave the country any time soon, perhaps on an extended vacation or to go somewhere for work, there’s a lot to think about before your trip begins. Obviously, you need to pack the right clothes and all your essential hardware. But don’t forget about staying in contact with the world you’re leaving behind. Aside from email and your cell phone, chances are you’ll also be receiving mail while you’re away. Like most of us, it could contain all kinds of important communications you don’t want to miss.

The answer is simple: just use a USA mail forwarding service. Over the years, as more and more people have gone abroad, more and more have turned to a expat mail service to ensure they don’t miss out on important packages or pieces of mail.

These services are so streamlined that essentially anyone who mails you package or letter will have it forwarded with the address overseas that you provided your service. You can even have it set up so that the service will know where you are as you move around. This way, once you’re traveling, there’s no need to keep updating your address manually.

When you consider the alternatives, using a specialized forwarding service makes too much sense to pass up.


USA2ME is a package forwarding company that can help you receive your mail, without changing your address no matter where your travels take you. They’re the perfect for service for those with recreational vehicles, jobs that take them abroad or those on an extended trip.

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Oct 10 2014

Designing Your Home Office

As more companies embrace employees working out of the home, the necessity to maintain a home office grows. A home office can be your sanctuary of productivity, but it should be designed to fit your interests and your needs. You’ll want plenty of shelf space, which you can build into the wall as shelves or as book cases. You may also want a small lounge area to rest throughout your day. Futons work best for this arrangement, as they easily transform from couch to bed. Read on for design tips that will help modernize and beautify your home office.


Redoing your office door way isn’t just an aesthetic consideration. You can buy a wood door that’s a little bit heavier, so that you can cut heat loss to the room or improve the sound proofing. The thick door is also heavier, so your pets can’t just push it open to bother you throughout the day, if that’s a concern. In addition, there are also different mounts, like the sliding barn door, that give your room a different feel.

Desk Space

Adjustable desks are very popular right now, and for good reason. You can raise or lower the desk to give your back some relief from sitting all day. You can also attach extras like keyboard trays, to give yourself a more ergonomic experience. In addition to your desk itself, extra shelving and trays will help give everything on your desk a place.

Ventilation and Lighting

Ventilation is another important concept that gets overlooked when you’re planning. Central air vents are where they are, but you can add fans or position your windows and doors to allow for a cross breeze. This would have the effect of cooling the room without using AC.


-ETO Doors manages one of the largest door showrooms in Los Angeles. You can browse the entire ETO Doors catalogue online, or read ETO Doors reviews of your favorite brands.

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Oct 02 2014

Business Applications of Portable Power Supplies

Written by: Start Pac

Portable power is in demand, especially as construction takes civilization farther into uncharted territory. Some of these applications are strictly military or industrial, but portable power comes in handy with leisure flights as well. Often, these applications aren’t permanent so portable power fulfills an important role in keeping projects within budget. To support these new needs, other businesses develop to supply that power.

Remote Construction Projects

Construction in remote areas is only made more difficult by power constraints. It’s difficult to maneuver equipment into the jungle, or into a canyon, but there are all sorts of projects that need doing in these remote locations. Running power cables to these locations would be a full-time contract in and of themselves, and these types of projects are typically temporary. A portable battery pack can help jumpstart a tractor in the middle of the desert, so that oil surveys can be conducted. When drilling is ready to commence, more permanent infrastructure can be put into place. Portable power saves money because it keeps contractors agile.

Emergency Jumpstarts

Just like consumers need Triple A to jumpstart a car, turbine starting aircraft sometimes need a boost too. There are plenty of these craft still in operation all across the US, in applications like farming or leisure flights. Jumpstarts also extend to heavy machinery, like heavy trucks or even tanks. Some of this equipment can lay dormant for weeks or even months before it is used, and then only for very specific applications. That stress on the battery necessitates jumpstarts a lot more frequently.

Military Contracting

There is a huge market for portable and heavy-duty power in bases across the country. Businesses who contract these parts essentially rent a ground power unit to the military for the purpose of jumping and maintaining craft. Their maintenance needs a bit different from most commercial operations, who tend to respond to supply and demand. The military is constantly engaged in training and maintenance. Portable power is essential in operations too, where the military must expand into new territory without the infrastructure in place to support a large base.


Airbases across America utilize portable power units because it would be logistically implausible to wire the entire airport for this operation. Ground crews can stay mobile, and airports can handle more flights daily because power is portable. These units are different from the standard generator consumers may find familiar, but the applications are almost exactly the same.

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