Outsourcing payroll allows small-business owners to concentrate on their day-to-day operations
(NewsUSA) - As the year turns, small-business owners will start reviewing their past actions and planning for the future. But one big issue -; payroll -; can prove to be a problem every year.
Many businesses find themselves in trouble with the IRS, not because they’re dishonest, but because they miscalculate numbers or miss due dates. The government’s financial penalties can be unwelcome blows to small businesses.
Even if a business employs only one worker, small-business owners can find federal and state employment forms complex and demanding. Some small-business owners might believe that they can save time and money by performing their own payroll calculations, but it’s usually in businesses’ best interest to hire outside payroll service providers.
Small-business owners need to concentrate the bulk of their time and attention on making their business successful. Paychex, Inc., a national leader in the payroll and human resource industry, offers these tips to small-business owners looking for a reliable payroll-processing service:
- Insist on personal service. For best results, you should be talking with the same payroll representative each pay period. That same person should handle any questions or concerns about your service.
- Look for national payroll-processing companies. National payroll service providers are bonded and insured, so any liability for inaccuracy or fraud will not affect your business.
In the event of a natural disaster or other calamity, national providers often have multiple backup systems to preserve data and deliver payroll packages on time. Paychex employs a rigorous backup plan to ensure continuity for clients across the country. Moreover, national providers offer the best confidentiality and security, and payroll deposits are taken care of electronically.
- Look for payroll service providers that also offer human resource services. Integrated HR services might include 401(k) administration, workers’ compensation insurance administration and payment services, health benefits and other employee benefits such as flexible spending accounts and bonuses or other compensation paid on debit cards.
“Small-business owners can realize a new level of productivity and convenience when they choose to outsource their payroll function,” said Walter Turek, senior vice president, sales and marketing for Paychex. “Outsourcing ensures accuracy, timeliness and peace of mind, allowing business owners to focus on growing revenue, instead of worrying about administrative burdens.”
With joblessness in the state at a 25-year high and the needy standing in line for aid, some are making direct pleas for help online instead.
In recent weeks, dozens of people have posted requests for help on the Raleigh edition of Craigslist, the Web site that offers free classified ads. As Christmas approaches, many posts have taken a desperate tone, asking for used children’s clothing, shoes or toys, holiday decorations, even food and rent money.
Thousands of nonprofit agencies across the state are dedicated to easing the suffering of the poor, but Craigslist is a place where people can ask directly for immediate help and connect with sympathetic individuals, not bureaucracies. Especially during the holidays, it’s a high-tech tug on the heartstrings.
“I need some help really badly. My family and I have hit some really hard times and are unable to pay our rent for this month,” read a post Dec. 5 from Zebulon with the subject line, WE NEED A MIRACLE. “The amount is 350.00. I don’t know what we are going to do. We honestly just do not have the money. This is not a scam, I am being as real as I possibly can be. We need help. Can someone help us please!!”
Four days earlier, a woman wrote: “My husband and I are looking for children’s items for a newborn boy and a 7-year-old girl. We are really having a hard time right now, though I know everyone is. …
“We moved to Raleigh and have had a string of bad luck and are trying to put something together for Christmas.”
‘It’s hard to keep up’
Vicki Shearin of Louisburg never thought of asking for help from anybody until this year. Her husband, Ricky, is disabled by end-stage emphysema, and her job as a shift supervisor at a local drug store is barely enough to pay the bills and medical expenses. As he undergoes tests to see if he is a candidate for a lung transplant, she tries to make sure that he’s comfortable and that their three sons still living at home have what they need.
Looking through Craigslist, she sometimes noticed people offering goods for free if someone would pick them up. She went a step further and put up a note in the “for sale” category, under “wanted,” asking if anyone had jeans or shirts in her boys’ sizes he or she couldn’t use anymore.
“I’m not even asking for Christmas help,” Shearin said. “I was just basically trying to find some clothes for the kids. They go from a 10 to a 14 overnight, and it’s hard to keep up.”
Shearin used her home computer. Others post from public computers at libraries or use those of friends.
Craigslist, which is administered by a staff of about 25 people in California, did not respond to requests for interviews about needy persons’ use of the site to solicit help. But other Craigslist users often “flag” them and remove them. Sometimes, the user who objected will add a scolding or cautionary note.
On Dec. 16, one asked why those who need help don’t turn to family instead of strangers. On Dec. 19, another suggested that some of those asking for donations were collecting goods to re-sell later.
On Monday, a user at sale-966789084@craigslist.org wrote: “I recently responded to a post for used FREE tv. The tv we offered was a 20 inch color tv with remote less than 2 yrs old. The POSTER of the add declined the tv saying she did NEED a free tv but wanted it to be 32 inches or larger…. There is a huge difference between NEED and WANT.”
R.J. Moshay, spokesman for Triangle United Way Inc., said he didn’t know people were using Craigslist to appeal for aid.
“I always thought of Craigslist as, ‘I need a roommate, I want a car,’ ” he said
Read More:News & Observer
Start Spring Early with Indoor Gardening
(ARA) - Let’s face it — February, March and April can be gray and dreary months. You’re more than ready for spring to begin, but Mother Nature is on a different schedule. But you can jump start the season of growth early and bring it inside where you can enjoy it through those last moments of winter.
Stale, polluted air happens frequently when homes are closed up for the winter months. But houseplants help to lighten the mood and purify the air. A NASA study found that houseplants remove up to 87 percent of toxic indoor air inside a sealed chamber within 24 hours.
Start your spring season early by planting vegetables, herbs and flowers while winter is still in the air, so they’ll be primed for transplanting when the spring season actually arrives. You can watch the plants as they shoot their little green stems out of the fresh dirt, monitoring them as they grow larger and larger.
* Use loose potting soil to promote root growth. Outside, worms and insects tunnel through the dirt, naturally breaking it up to help plants spread their roots. To mimic their effect indoors, use potting soil mixed with peat moss, vermiculite and perlite to create a light texture that won’t compact after a couple of waterings.
* Keep the humidity level above 50 percent with a humidifier. Not only will your plants appreciate the extra moisture, but so will you. When the humidity drops below 50 percent, most plants suffer from water loss through their leaves, and it’s difficult to regain that water balance, even with frequent watering.
* Really bring spring inside your home with beautiful pots and decorating accents. Visit Montgomery Ward (www.Wards.com) to find unique gardening accents. A garden gate gives vines a place to climb and you can also use it to decorate your walls as a headboard or wall hanging. Imagine waking up in the morning to see the vine stems spiraling around the gate toward the window. Or search for elegant and decorative plant stands that match your decor, and bring to life a beautiful and scented herbal garden to spruce up your kitchen counters.
* Check the nutrient levels for your plants. Outdoor plants get nutrients reimbursed naturally, but indoor plants don’t have that luxury. Every time you water your indoor plants, you wash some of the fertilizer out of the soil. Not all plants like the same amount or kinds of fertilizer, so do a little research.
* Make sure the natural light is adequate. Some plants like direct sunlight and must be located near a south-facing window, while others prefer a few hours of indirect light. When plants don’t get the light they need, they start to appear very thin and frail. Also make sure as your plants begin to grow, that you rotate the pots so they grow straight, rather than bending unnaturally toward the source of light. If your house does not have enough natural light sourcing, artificial lights work as a good supplement.
* Take care of your plants when you leave home for more than a couple of days. You can always ask a neighbor to come in and make sure your plants get a good drink of water, or try the Oasis Plant Watering System available at Montgomery Ward (www.Wards.com ). Place drip lines in each of the plants, set the system for the number of days you’ll be gone and the gravity-fed system will irrigate your foliage twice a day. For plants that require more water, double up the drip lines, and enjoy your time away. When you return home, spring will await you inside.
Courtesy of ARAcontent
Garner, N.C. – Triangle East magazine’s new editor, Nancy Pardue, has put together a holiday issue brimming with tips, tricks and recommendations for the holiday season.
“It’s one big celebration in the newest issue of Triangle East, as we rejoice in the delights of Christmas and the promise of a new year,” said Pardue. “I’m glad to have this new beginning with our readers and hope they’ll love our holiday issue.”
In the article “Winter Wonders,” readers will learn how to spruce up their homes by bringing the outdoors indoors with tips from Tony Avent, owner of Plant Delights Nursery. Gardening expert L.A. Jackson also offers tips on extending the life of poinsettias in his Garden Adventurer column.
“Christmas Treasures” offers tips on holiday collectibles such as Department 56 Christmas Villages, Mark Roberts Christmas Fairies, Buyer’s Choice Carolers and more.
To stave off the winter chill, “Get Fired Up” profiles three great fireside-friendly dining establishments and offers secrets on getting that fireside seat.
Two recent college graduates received makeup, hair and fashion makeovers to get them ready for a new year in “New Year, New You.”
“Giving Back in 2009” reports how students at Vandora Springs Elementary in Garner are participating in two charity projects, and provides a guide for plenty of volunteerism opportunities in the local community.
In this issue, readers can also learn about how two Miss Garners are vying for the Miss America crown, what Butterball CEO Keith Shoemaker thinks of the company’s new corporate headquarters, and what Christmas goodies and gifts will tempt shoppers this year.
The December/January issue of Triangle East magazine is available now at more than 100 locations throughout eastern Wake and Johnston counties. Subscriptions may be ordered directly by visiting www.triangleeastmagazine.com or by calling (919) 674-6020.
Read More:CarolinaNewsWire
CARY, N.C. — Regional financial services institutions like Bremer Financial Corporation must find ways to keep operations agile and efficient. When Bremer wanted to find a better financial management system, they selected SAS, the leader in business analytics, to more effectively create and analyze financial reports and budgets.
“With six separate databases required to accommodate the changing needs of our organization, we knew our processes needed an upgrade,” said Bob Buck, Chief Financial Officer at Bremer. “SAS® Financial Management provided a single solution for financial management reporting, budgeting, forecasting and consolidation. We found the solution offered the greatest flexibility for a single database of all financial management information.”
Bremer was frustrated by the need to use multiple modules for the budgeting, forecasting and reporting of financial and non-financial data. The processes in place were slow and inefficient. With SAS, Bremer will have a more streamlined and integrated planning and forecasting process, freeing up more time to analyze and improve financial plans across the organization. The added flexibility from SAS Financial Management will help the finance department manage the growing demands of business line profitability reporting and analysis.
“We anticipate increased productivity of our finance professionals with SAS in place. They will be able to focus their attention on higher-level analysis with less time devoted to managing cumbersome mechanics,” explained Ron Hansen, project manager at Bremer. “In addition to better analysis, the new solution will improve morale and retention of our experienced finance professionals, resulting in a more efficient cost structure for our finance division.”
SAS Financial Management improves the accuracy, relevance and timeliness of financial plans, budgets and reports while promoting the alignment and execution of strategy. SAS Financial Management is one component of SAS financial intelligence, a vision for financial performance management that includes solutions for financial management, activity-based management, dashboards and scorecarding, risk management, and advanced analytics such as optimization and forecasting. By combining the hindsight, insight and foresight provided through these powerful solutions, corporate finance departments can build credibility and confidence within other areas of the company.
Bremer Financial Corporation
Bremer Financial Corporation is a privately held, $7.6 billion regional financial services company jointly owned by its employees and the Otto Bremer Foundation. This unique ownership structure is the only one of its kind in the nation. Founded in 1943 by Otto Bremer, the company is headquartered in St. Paul, MN, and provides a comprehensive range of banking, investment, trust and insurance services to more than 100 locations in Minnesota, North Dakota and Wisconsin. A significant portion of company profits are distributed in the form of charitable grants by the Otto Bremer Foundation to communities served by Bremer. In 2007, more than $30 million in charitable donations were given across the Bremer footprint and employees donated more than 92,900 volunteer hours to their communities. For more information, please visit www.bremer.com.
Read More:CarolinaNewsWire
CARY, N.C. — Dex has been honored with a 2008 Yellow Pages Publisher Recognition Award by the Association of Directory Marketing (ADM). ADM recently selected Dex for its “Communication Award,” which “recognizes efforts to improve communications between publishers and CMRs (Certified Marketing Representatives).” The award was announced at ADM’s Annual Conference in San Antonio, Tex.
Dex was selected based upon several criteria, including commitment to excellence in facilitating communications between the company and CMRs, who help develop, implement, manage and maintain Yellow Pages programs for national advertisers. Dex was also noted for its provision of high-quality, effective sales materials and marketing collateral and the continuous enabling of easy access to these materials. As a result, ADM recognized Dex’s ability to help CMRs improve efficiencies, solve challenges and implement successful advertising programs.
“Our goal is to provide CMRs with simple, focused communications that make it easier for them to access information and do business with Dex. This award is a reflection of that,” said Stephen Gibbons, vice president of national sales, Dex. “We’re happy to accept this award from ADM, and will continue to provide CMRs with exceptional communications tools that help them implement and manage their advertising programs.”
Dex is the market brand of R.H. Donnelley (NYSE: RHD), a leading print and online local search company. R.H. Donnelley’s products and services include the Dex(R) Yellow Pages; DexKnows.com(TM), a leading online local search site; 1-800-Call-Dex(TM), a free, voice-enabled local search solution; and Dex Search Marketing, which provides web site optimization and paid search advertising solutions.
(ARA) - Recent news headlines are causing concern for many Americans as company data breaches are on the rise. From missing laptops containing employee and customer information to stolen passwords that lead to the loss of proprietary records, many are led to believe that a majority of data breaches occur electronically.
According to a new study commissioned by the Alliance for Secure Business Information (ASBI), this isn’t the case. The Security of Paper Documents in the Workplace study found that 49 percent of respondents whose companies have been affected by a data breach stated one or more of the breaches involved the loss or theft of paper, not electronic, documents. And the problem does not seem to be going away, with 80 percent of respondents polled indicating their company had experienced one or more data breaches in the past 12 months alone.
From small, family-owned businesses to large corporations, data breaches affect businesses of all sizes. In fact, 46 percent of respondents who represent larger companies estimate the annual financial impact of data breaches within their organization to be between $10 to $30 million.
“Everyday, businesses manage highly confidential information that if stolen, can leave the company and its employees, vendors and customers exposed,” says John Fellowes, vice president and general manager of Fellowes, Inc. and a member of the ASBI. “What many fail to realize is that paper documents are just as vulnerable to a breach as electronic documents.”
Key findings from the study reveal a need for companies to take tighter controls on how they manage their paper trail through stronger enforcement of security policies. For example:
* According to 56 percent of respondents, more than half of their organizations’ sensitive or confidential information is contained within paper documents.
* Sixty-one percent of those surveyed stated there are not enough resources and controls available to secure paper documents.
* Fifty-seven percent of respondents reported that it is more difficult to control access to paper documents than it is to control access to electronic documents.
In fact, the ASBI was formed in response to this issue and the need for awareness and education for businesses and employees about how to protect confidential information in the workplace. Members include: Fellowes, Inc., Ponemon Institute, Identity Theft Resource Center (ITRC) and John Sileo, a leading business security speaker.
It is important to remember that protecting proprietary information at work not only protects a company, but ultimately protects you. The ASBI recommends the following tips to protect your company and yourself from a data breach:
Practical Tips for the Office:
* Shred all proprietary information with a cross-cut shredder. Desk side shredders are ideal for business professionals that regularly handle sensitive information including legal, accounting, human resource or finance departments. Commercial shredders are best for shared spaces including shared printing or copying areas where large volumes of sensitive information are created.
* Develop office guidelines for all employees that outline the proper procedures for protecting sensitive information.
* Keep all sensitive information and files locked away. Restrict access to those who need it and closely watch your files.
* Ensure all company computers have the most up-to-date anti-virus, anti-spyware and firewall software. Also, check to make sure wireless networks are protected with the proper security settings.
* Limit the use of Social Security numbers in the workplace. Don’t use Social Security numbers on items such as employee identification badges, time cards or paychecks.
* Avoid leaving documents in communal copiers, shared printing spaces, conference rooms or other open areas for extended periods of time.
* Commit your passwords to memory instead of writing them down. In addition, do not use your date of birth for your passwords, and change them frequently.
* At the end of each work day, all employees should log off their computers and lock their workstations or office doors. All confidential documents should be filed away rather than left at one’s desk.
For more information on ASBI, and to learn how to protect businesses’ confidential information, visit www.fellowes.com/asbi.
Courtesy of ARAcontent
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EDITOR’S NOTE:
The web-based survey was launched Aug. 12, 2008 and was closed Aug. 21, 2008. Debriefing of respondents and analysis was completed Aug. 30, 2008. The margin of error on all adjective scale and Yes/No/Unsure responses is less than or equal to 3.5 percent. The final sample consisted of 819 individuals who work in IT operations, IT security, data protection and compliance in large organizations in a variety of industries.
Driven from land in Zimbabwe, couple in their 50s seize opportunity in N.C.
AYDEN - In Zimbabwe, Wally Herbst would’ve left this kind of hard and dirty work to his hired hands. But in North Carolina, stripped of his vast African ranch and starting over at 58, his only hands are his own. So he bends to his filthy task, the removal of a bloated, dead pig that weighs more than 200 pounds, its stink thickening in the humidity of the July afternoon. He ties a simple knot with a piece of rope — a “bit of African technology,” he says — and pulls a loop tight around the pig’s hind legs. Using a 4-foot board as a ramp, Herbst yanks the carcass into the bed of a pickup.
In Africa, Herbst worked a 13,000-acre farm, part of which had been in his family for generations. He grew paprika that was exported to Spain, ran a successful safari business, raised cattle and employed more than 150 people during the busy harvest seasons.
That life ended in 2002 when men armed with automatic weapons evicted the Herbst family from its farm. In a land redistribution campaign overseen by President Robert Mugabe, political loyalists seized thousands of white-owned farms in Zimbabwe and turned them over to impoverished blacks.
The seizures wrecked the country’s agricultural infrastructure, leading to extensive food shortages and stratospheric inflation. The United Nations estimates that 1 million people have lost their livelihoods and homes as a result of the redistribution.
Herbst and his wife, Helen, are among them.
Theirs is a refugee story turned upside down. They were not poor political dissidents, but successful farmers whose skin color and economic achievement made them vulnerable in a violent, hostile environment.
At an age when most couples are spoiling their grandchildren and mapping retirement plans, the Herbsts packed four suitcases for a chance at the American dream. In Africa, the couple lived among giraffes and elephants, and hunters from overseas paid big money for the right to hunt sable antelope on their land.
In Ayden, south of Greenville, their first home was a one-bedroom apartment across the street from a Piggly Wiggly.
Nearly broke when they arrived a year ago, the Herbsts need to save money so they can eventually retire. Wally secured a visa and a job with a large hog operation near Greenville. It’s grunt work, but he does not complain.
As if to prove this, he finishes his gruesome chore, pulling another pig that has succumbed to natural causes into the back of the pickup. It will be taken to a compost bin.
Wally smiles.
“It keeps me young.”
Dispossessed
Wally is built like a middle linebacker, with a strong-willed attitude to match. Helen, 53, has the red hair and fair complexion of her Irish ancestors, and she is the chatty one. In an African accent that exudes its British ancestry, she shares their story:
Wally and Helen, both born in Africa, were married in 1977 and have three children. They lived and worked in rural Matabeleland, a region in southwestern Zimbabwe.
Wally employed about 30 permanent workers, who lived in traditional African huts on the property. Their homestead was a three-bedroom, two-bath house that, until 15 years ago, depended on generators for electricity.
Chaos and violence has defined Mugabe’s 28-year presidential reign. In the 1980s, he dispatched troops to attack a rival tribe in a campaign that became known as the Matabeleland atrocities.
It was during this time that Wally found a mass grave on the farm. The police removed about 20 skulls, including those of children.
By 1997, Mugabe announced his plan to seize white farms and redistribute the land. Five years later, Helen was home eating lunch when an employee rushed to tell her that police were parked at the gate and wanted to speak with her.
Read More:News & Observer
CHAPEL HILL - North Carolina’s men’s basketball team, a Final Four favorite, will play for the first time this season against Vanderbilt — on Nov. 2 at the Smith Center.
But it’s not on the preseason schedule.
You can’t buy a ticket. It won’t be on TV.
And the score will never be made public — if one is even kept.
“We can’t publicize it, can’t let fans in, can’t give out any stats,” said UNC associate athletic director Larry Gallo, who wouldn’t even name the opponent, place or date.
So: Shhhhhhh.
Under a strange NCAA rule, Division I teams such as UNC can only scrimmage against other Division I teams if it is done in secret — doors locked, no media, no fans, no official scoring. Even when it’s conducted in a public building.
Typically, the top teams in the nation play two exhibition games against lower-division schools, foreign teams or club squads.
But teams can substitute an “informal practice scrimmage,” as it is called in NCAA rules, for a preseason exhibition. The caveat: The only people allowed in are coaches, players and staff members necessary to conduct the workout. Recruits making official visits can also attend.
The (secret) practice rule has been around for about a decade. Wake Forest, for instance, scrimmaged UNC-Greensboro last year and has another conspicuous blank spot on its current preseason schedule. Davidson, which scrimmaged at Texas last season and made a deep run in the NCAA Tournament, will make a return trip to Austin in the coming weeks. Vanderbilt has also done it for the past few years.
But the private workout will be a first for the Tar Heels, who are looking to pit All-American Tyler Hansbrough and point guard Ty Lawson against better players than any Division II or III team can provide. Vanderbilt lost in the first round of the NCAA Tournament last season and finished 26-8 under coach Kevin Stallings, a longtime friend of UNC coach Roy Williams.
Practice for NCAA teams officially begins at 5 p.m. today. The Tar Heels open the regular season on Nov. 15.
“[The private scrimmage] gives your guys an opportunity to practice against a top-ranked team, and sometimes to travel, be on the road, to go through the same routine and environment that you hope you’re going to see during the regular season,” said Davidson coach Bob McKillop, whose Southern Conference Wildcats have quietly worked out against a Division I foe for the past six seasons. He said he was not allowed to name the who and when of those opponents.
Why all the the secrecy? That remains unclear. NCAA spokeswoman Gail Dent said in an e-mail: “The motivation of the bylaw is the concern over the demands placed on student-athletes and the games/scrimmages they play.”
Exhibition games, she added, are similar to regular-season games which require media, and post- and pregame responsibilities. But not private scrimmages.
Read More:News & Observer
Tips to Earn Extra Money and Stretch Your Dollar
(ARA) – With items like gas and groceries at record highs, it seems that virtually everyone is feeling the crunch from the increased cost of living. Many American families have been re-evaluating their budgets and contemplating ways to increase cash flow and still enjoy time with their nearest and dearest. As the cost of living increases and the holiday season draws near, it is worth looking at entrepreneurial ways to help ensure that your cash flow doesn’t fall short.
Believe it or not you can be your own boss and work part-time.
One way to earn extra money and still have a social life is to combine the two. Many popular brands have a direct selling arm, so you can become a consultant for them. For example, The Body Shop At Home is a business that is different, which allows consultants to throw parties and sell their favorite products, and represent a business that shares their own personal values. Consultants have flexible scheduling options and work as little or as much as they want hosting parties that feature a broad line of The Body Shop products, including some exclusives that can’t be bought anywhere else.
“Women and even men enjoy shopping this way because they get all their personal products in one place so as well as all the other great benefits they also save gas money,” says Jo Price, sales director for The Body Shop At Home. “Also they have the added benefit of knowing they are making a difference through their purchase. Many of the products contain Community Trade ingredients bought from small-scale farmers at a fair price, giving them a stable income and hope for the future. This means that every time you sell a product you know that you are supporting communities who would otherwise struggle to make a living wage, so when you buy The Body Shop At Home products you get the added feel-good factor of knowing you’re buying high quality beauty items made through fair business practices.”
“Additionally, the exclusive products we sell are really great and are something customers get really excited about because they can’t find them in stores or anywhere else. For example, the Rich Plum bath and body range is a best seller along with the Shimmer Cubes eye shadows, made with Community Trade Marula Oil. For the one stop makeover, women love the exclusive Eye, Lip and Cheek Palette that has everything you need for day or night. This job really allows women to do something they enjoy, be their own boss, and feel good about how they earn my money.”
If you’re looking for additional ways to earn or save cash, there are many options. Try having a garage sale, sell your items on eBay or to a second-hand store. When shopping, plan out your trips and stick to a budget. You might even consider trading services with someone. For example, offer childcare services in exchange for a neighbor fixing a leaky faucet.
For more information about becoming a Consultant for Then Body Shop at Home visit www.TheBodyShopatHome.com, call (866) 775-8049 or e-mail AtHomeLeads@TheBodyShop.com.
Courtesy of ARAcontent
