What to Pay for Liability Insurance

The formula used to determine your quote depends on what type of company you run. It's worth shopping around because prices can vary dramatically
By Karen E. Klein

Our company purchases general liability coverage based upon our monthly sales total. Recently, we noticed that we have been paying the insurance based upon our total monthly sales figure, including sales tax and shipping costs. Should we be deducting the sales tax and shipping costs to get the actual monthly sales figure needed to calculate liability insurance? —M.L., Billerica, Mass.

Sales tax and shipping costs should not be included in the figure you calculate as your monthly sales for purposes of purchasing liability insurance, experts say.

If your coverage is based on your sales figures, that means yours is likely a manufacturing or distribution company. For firms like yours, your sales volume is the most significant factor determining how much coverage you need.

For professional service firms, such as consultants and attorneys, general liability insurance is typically priced based on the square footage of occupancy at the firm, says Richard B. Hagemeier, executive vice-president of Bolton & Co., a Pasadena (Calif.)-based insurance brokerage. That's because their most significant general liability risk is from an accident on the premises. "Although the more significant liability risk [of a service firm] is typically from performing their professional service, those services rarely injure people physically or cause property damage," he says. Professional services themselves are insured under an errors and omissions or professional liability policy.

Contact your insurance broker and explain that you've inadvertently been overpaying, suggests Hana Rubin, a principal at the Maxon Co., based in Irvington, N.Y., which administers medical insurance and pension plans. You may be able to request an audit of your actual sales, during which tax and shipping costs would be excluded.
Wide Range of Quotes

But if your sales are less than a certain threshold—typically $1 million—it may not matter whether you've included tax and shipping, says Edward Minkovski, a broker at ARG Insurance Services in Los Angeles. Some insurers offer a fixed price for coverage based on revenue ranges, so unless your tax and shipping costs put you into the next revenue bracket, excluding them may not make any difference in what you're paying.

Still, it's worth looking into, Minkovski says. And if your policy is expiring, or set to expire soon, make sure to shop around for new coverage. "The market during the last couple of years has been soft and the insurance companies are hungry. You'll be shocked how much the prices vary and how many good deals there are out there," he says. For instance, he says he's seen general liability quotes that vary from $500 annually to $2,100 annually from various insurers for the same exact company and coverage.

Karen E. Klein is a Los Angeles-based writer who covers entrepreneurship and small-business issues.

source

Continue reading “What to Pay for Liability Insurance”  »»

Business Insurance for the Home Office

Homeowners Insurance is Not Enough for the Home Office
Do you have a home office? If so, how much is the equipment in that office worth? What would it cost to rebuild and reequip the office?

These are questions rarely considered by most people who rely on their home office. Statistics vary, but consistently surveys have found 50-60% of all home based businesses are uninsured. Add to that the numbers of people who telecommute or rely on a home office as a second office and those statistics rise to nearly 70% of households with a home office being uninsured.

The number one reason for this lack of protection is the belief by most home office owners (and unfortunately sometimes their agents) that their homeowner's policy is sufficient to cover any loss or damage to the home office. So let's focus on that myth first: a homeowners policy will not properly cover the loss or damage to a home office. A homeowners policy:

• is typically limited to $2500 for in office equipment and an even lower $250 away from the office (think, laptop);
• does not cover business liability;
• does not cover loss or damage due to cyber-crime;
• does not cover loss or damage of business records;
• and, does not cover damages caused by business interruption.

Continue reading “Business Insurance for the Home Office”  »»

What is Business Insurance?

You will not find a successful business that doesn't carry business insurance. In today's society, it is absolutely mandatory to carry some form of it, regardless of size or location.
It doesn't matter if you're performing out of your basement, or if you're a large corporation in a high-rise building. The range of business insurance coverage is huge, with issues from lawsuits to disgruntled employees. Everyday practices can backfire with enough force to cause a disabling blow to the company. Case in point: You send an employee, in his or her own vehicle, to make some deliveries at a post office down the street. In route, they are involved in an accident. Guess where the finger may, and often times points? If an incident occurs, and they are covered by auto insurance, the best coverage you get is equivalent to their range of coverage. If they do not carry any auto insurance, then it can be a world of hurt for the employer.

Continue reading “What is Business Insurance?”  »»

Fed Chairman Says Recession Will Extend Through the Year

By CATHERINE RAMPELL and JACK HEALY
Published: February 24, 2009

The Federal Reserve chairman, Ben S. Bernanke, offered a sober assessment of the national economy and the prospects of recovery to Congress on Tuesday, as reports of plunging housing prices and consumer confidence reinforced the grim outlook.

Mr. Bernanke told the Senate banking committee that the Federal Reserve was doing everything it could to unlock credit markets and encourage lending and borrowing. Still, a full recovery is potentially at least a year away, he said, and that is if all goes according to plan.

“If actions taken by the administration, the Congress and the Federal Reserve are successful in restoring some measure of financial stability — and only if that is the case, in my view — there is a reasonable prospect that the current recession will end in 2009 and that 2010 will be a year of recovery,” Mr. Bernanke said.

Though he lingered over the seriousness of the financial crisis enveloping the country, the Fed chairman buoyed investors by stating his resistance to any nationalization of the big banks. The prospect of the government taking up to a 40 percent stake in Citigroup in return for more assistance has pushed the idea to the fore.

“We don’t need majority ownership to work with the banks,” he said, arguing that federal agencies have enough supervisory power to nurse banks back to full health. Taking over banks more formally would needlessly “destroy the franchise value” of the institutions, he said.

As required, Mr. Bernanke addressed the Fed’s dual mandate of stable prices and maximum employment in the first installment of his twice-annual report to each house of Congress. The former part of the Fed’s mission has largely been met, with prices more or less where they were a year ago, and inflation expected to glide under 1 percent this year.

But the job market continues to deteriorate. The unemployment rate, which rose to 7.6 percent in January, will probably reach 8.5 to 8.8 percent by the end of the year, according to Mr. Bernanke’s report to Congress. The gross domestic product, which fell at an annual rate of 3.8 percent in the last quarter of 2008, will contract 0.5 to 1.25 percent this year.

Two barometers of the economy, the housing market and consumer attitudes, turned in dismal readings the morning the chairman appeared on Capitol Hill.

Home prices in the United States fell at the fastest pace on record in December, according to the Standard & Poor’s Case-Shiller home price index. The value of single-family homes in 20 major metropolitan areas was 18.5 percent lower in December than a year earlier.

According to a report by the private Conference Board, consumers described their current situation and their expected situation in six months in harsh terms. The group’s index of consumer confidence dropped to a new low of 25 in February, from 37.4 a month earlier. That was the lowest since it began tracking consumer sentiment in 1967.

Mr. Bernanke acknowledged there was a risk that the economy would become even worse than the Fed is currently forecasting.

The global nature of the economic slowdown, as well as a “so-called adverse feedback loop” — the idea that economic and financial conditions become mutually reinforcing — threaten to delay recovery, he said.

He urged support for the significant — and sometimes unpopular — fiscal and monetary interventions being made by the government.

Some senators, like Evan Bayh, a Democrat from Indiana, questioned whether it was fair or even wise for the government to continue bailing out financial institutions and homeowners who had behaved irresponsibly.

In response, Mr. Bernanke compared the government’s situation to one in which a neighbor smoked in bed and accidentally caught his house on fire. You could punish the neighbor for his irresponsibility by not calling the fire department, Mr. Bernanke said. But by the time the neighbor learned his lesson, the entire neighborhood would have burned down.

He said policy makers should look at their task as two-pronged. The first goal is to prevent the economy from worsening in the near term. The second is to devise substantial, longer-term reforms of the financial regulatory system, to prevent future irresponsibility.

Mr. Bernanke repeatedly advocated revamping federal oversight of financial institutions, which are now supervised by a patchwork of federal agencies that monitor different functions and, he said, never get a full picture of a company’s overall financial health.

The Fed, he suggested, should look at the smaller companies underneath the umbrella of a bank holding company so that the various risks a financial institution takes do not “get out of the line of vision of regulators.”

In a joint program with other federal regulatory agencies, the Fed announced Monday that the nation’s 20 biggest banks would have to undergo a “stress test” to determine their viability. The test will be used to measure whether banks have enough capital to survive a worsening downturn.

To Mr. Bernanke’s first goal of shoring up the economy, the Fed has taken extraordinary steps in recent months to increase the flow of credit to businesses and households.

When it comes to setting interest rates, it has nearly exhausted its options. In December the Federal Open Market Committee lowered its key interest rate to virtually zero, to encourage lending.

The Fed has also been buying mortgage-backed securities that have been guaranteed by the federal government.

It has expanded its lending operations to banks. In one new program, it aims to finance consumer loans, recently announcing it would expand that effort in both size and scope. Through a commercial paper program, it is providing businesses with loans in exchange for short-term i.o.u.’s.

Mr. Bernanke said these actions had contributed to improvements in short-term financing markets and the commercial paper market, as well as to declines in rates for conforming mortgages — loans that meet Fannie Mae and Freddie Mac guidelines — and the benchmark rate, known as Libor, on which borrowing costs for consumers and businesses are often based.

Catherine Rampell reported from Washington and Jack Healy from New York.

source

Continue reading “Fed Chairman Says Recession Will Extend Through the Year”  »»

Did Court Ruling Prolong Stanford Probe?

Slow SEC progress in the Stanford Financial case could be attributed to a 1982 Supreme Court decision on securities law
By Matthew Goldstein

Is the U.S. Supreme Court partly to blame for prolonging R. Allen Stanford's alleged $8 billion fraud involving questionable certificates of deposit sold by his Antigua-based bank?

One reason being offered up by some within the Securities & Exchange Commission for the agency's slow progress in unmasking Stanford's alleged $8 billion fraud is a 1982 high court ruling that tied regulators hands a bit. In Marine Bank v. Weaver, the nation's high court ruled that a bank CD is not the same thing as a stock or a bond and is not governed by federal securities laws.

In effect, the Supreme Court ruling left it up to bank regulators to go after abuses in the marketing or selling of CDs. Ever since, the SEC has been loath to get involved in any investigation involving the sale of CDs for fear the case might be tossed out of court.
Probe Started in 2006

So SEC investigators first tried to get U.S. bank regulators interested in taking a look at the activities of the Houston-based Stanford Financial Group, say people familiar with the Stanford investigation. But these sources, who did not want to be identified, said bank regulators, some of whom were contacted as far back as 10 years ago, didn't seem much interested. The identity of the bank regulators could not be determined.

The SEC itself didn't formally begin its own investigation into the unusually high-yielding CDs sold by Stanford Financial's offshore bank until October 2006. The investigation culminated on Feb. 17 with the SEC filing civil fraud charges against 58-year-old Texas native Allen Stanford and two of his top deputies. Regulators said they can't account for the approximately $8 billion in customer deposits that Stanford's offshore bank, Stanford International Bank, has taken in from the sale of high-yielding CDs.

Securities experts say the initial cautious approach that the SEC appears to have taken in its investigation of Stanford Financial Group is understandable in light of the 1982 court ruling. But the experts also say there should have been little doubt that the SEC had jurisdiction to investigate the firm, since it was Stanford brokers in the U.S. who were marketing and selling the offshore bank's CDs to wealthy investors.

"If it was just an offshore bank and people were going out there and finding the bank on their own, the SEC might be reluctant to get involved," says Christopher Clark, co-head of the white-collar criminal law defense practice at Dewey & LeBoeuf and a former prosecutor. "But this was a registered broker dealer that was actively marketing this product, whether it's a security or not. That's right in the wheelhouse of the SEC."
Misplaced Doubt

In fact, if there was any lingering doubt about the SEC's ability to go after Stanford's operation, it should have ended in 2001. That was the first time Stanford's brokerage arm formally filed a "notice of sale of securities" with the SEC for its "certificate of deposit program." The filing is required any time an investment firm or hedge fund plans to sell securities to U.S. investors. In the 2001 filing, Stanford reported that it intended to sell up to $150 million in CDs to wealthy investors in the U.S. In a subsequent 2007 filing, Stanford registered to sell up to $2 billion in CDs in the U.S.

It's not clear why the SEC's investigations didn't begin until 2006, even though some within the agency had concerns about Stanford's operation as far back as 1998. But on Feb. 17, when the SEC filed civil charges against Stanford, Rose Romero, the SEC's Fort Worth regional director, said: "Before Christmas we got a bit of good information that we didn't have before, and we moved quickly on that information."

SEC spokesman John Nester declined to specifically address the impact of the Supreme Court's 1982 ruling on the Stanford investigation. But he did say the ruling was a landmark decision. Generally, he said, the pace of an investigation can be affected by numerous factors, including the agency's ability to prosecute a matter and the jurisdiction in which the alleged offense takes place.
Latin Beat

A spokesman for Stanford Financial Group has declined to comment since the filing of the SEC charges. Stanford, the sole shareholder of both the offshore bank and the investment firm, has been unavailable for comment. To date, he hasn't been charged with any criminal wrongdoing, but sources said the FBI continues to look into the matter.

In any event, the 1982 court ruling could not have come at a better time for Stanford. Just four years later, he opened the doors for his offshore bank, originally called Guardian International Bank, on the Caribbean island of Montserrat. The Montserrat bank worked in tandem with a Miami investment firm called Guardian International Investment Services marketing the bank.

Guardian, which opened with $6 million in seed money from Stanford and his father, James, quickly found customers in Latin America. The bank took out advertisements in Spanish-language newspapers in Mexico, Venezuela, and elsewhere promoting its CDs, which at the time yielded 10.75%, about double the going rate.

In 1991, after the bank relocated to Antigua following a dispute with Montserrat authorities, Stanford eventually rebranded it with the current name and became chairman and sole shareholder.

source

Continue reading “Did Court Ruling Prolong Stanford Probe?”  »»

Customer Service in a Shrinking Economy

How companies are struggling to maintain customer service amid sinking sales and declining employee morale
By Jena McGregor, Aili McConnon and David Kiley

Hertz (HTZ) couldn't ask for a better customer than Richard M. Garber. The Cleveland-based business development manager typically rents cars from the chain 20 to 40 times a year when traveling on business for materials manufacturer FLEXcon. But now Garber is rethinking that loyalty. In the past month he has returned Hertz cars to the Boston and Minneapolis airports only to find nobody waiting with a handheld check-in device. In Minneapolis, Garber had to drag his bags to the counter to return his car; in Boston, he finally tracked down an employee who came out and explained that some colleagues had just been laid off. "When you're rushing for an airplane, every minute counts," says Garber. "The less convenient they are, the more likely I am to try someone else."

As the economy plunges deeper into recession, many companies are confronting the same brutal choices Hertz faced when it announced layoffs of some 4,000 people on Jan. 16. While businesses may feel forced to trim costs, cutting too deeply can drive away customers. Hertz spokesman Richard Broome says the company has reduced "instant return" hours at some smaller airports but is making adjustments to restore that service in locations where it "might have gone too far." Says Broome: "You try to create the right balance."

Across the business world, managers are trying to pull off the same perilous high-wire act. Just as companies are dealing with plummeting sales and sinking employee morale, skittish customers want more attention, better quality, and greater value for their money. Those same customers are also acutely aware that their patronage is of growing importance to companies as others decrease their spending. BMW Vice-President Alan Harris argues that in the current environment, consumers expect "that anyone who is in the market with money to spend is going to get treated like a king."
KEEP THE FRONT LINES STRONG

The reality, of course, is that the opposite is often true. From retailers such as Talbots (TLB), which have stiffened their rules on returns, to airlines that now charge for checked bags, companies are stretching budgets in ways that can make things tougher for customers.

But the best performers are actually doing more to safeguard service in this recession. Bruce D. Temkin, principal analyst for customer experience at Forrester Research (FORR), says about half of the 90 large companies he recently surveyed are trying to avoid cuts to their customer service budgets. "There's some real resilience in spending," says Temkin.

That's especially true for many of the winners of our third annual ranking of Customer Service Champs. Top performers are treating their best customers better than ever, even if that means doing less to wow new ones. While cutting back-office expenses, they're trying to preserve front-line jobs and investing in cheap technology to improve service.

If anything, the tough economy has made starker the difference between companies that put customers first and those that sacrifice loyalty for short-term gain. In this year's ranking, based on data from J.D. Power & Associates, which, like BusinessWeek, is owned by The McGraw-Hill Companies (MHP), more than half of the top 25 brands showed improved customer service scores over last year. Among the bottom 25 of the more than 200 brands surveyed, scores mostly fell.

source

Continue reading “Customer Service in a Shrinking Economy”  »»

Conference Call and Benefits Of Main Calling Services

Conference call is a communication tool that many businesses turn to when it comes to giving meetings and giving colleagues important news. Conference calling is designed to help you communicate with both business partners and colleagues from anywhere in the world.

The ability to connect just a few colleagues to thousands of them is what really sets audio, web or video conferencing apart.

So many businesses spend hundreds of dollars on unnecessary costs each year due to meetings and trying to get hold of various different people when they are not in the office.

A conference service is cheaper and it also saves a lot of time too. Whether you have a colleague off sick or a partner on the other side of the world, you can now talk to them in a matter of seconds and it will hardly cost you anything!

There are different types of conferencing services and it shouldn't be a problem finding one that suits your business needs.

Conference Calls Services and How They Differ

With all the different choices out there, it is important to choose one that is right for your business.

The choices you will have to make include:

• Do you want to be able to call instantly or would you like an operator?


• Would You Prefer Web Conferencing?
• Would You Like Roll-calls?/li>
  
• Do you need a conferencing service that allows you to show slides and presentations?


• Do you want the choice to be able to record the call?


• Have you looked around to check that you are getting the best price for you?

Different conferencing providers have different main benefits and features so take a good look at what they offer and what suits you best:
1. Unlimited conferencing is an affordable audio calling service that offers all-you-can-use toll access at one low, fixed monthly cost.

2. Free reservationless call is when the provider may only require your email and name for 120 day renewable account. Some conferencing providers don't even ask for that. They will offer you their services for free. In both cases you will receive a dial-in number and an access code which will let you and a limited number of participants (up to 96) share the communication.

3. Ready-call is the most common conference service where there are no setup fees, you are only charged by minutes

4. Operator assisted call includes a minimum fee and charges per minute. Formal meetings are generally better off with an operator as they are very experienced in guiding and managing a conferencing call.

Making sure that you have the best service for your business needs is essential. You could save a lot of time and money with the right software and it could make your business life that little bit easier!

source

Continue reading “Conference Call and Benefits Of Main Calling Services”  »»

Markets Attempt to Overcome Bank Fears

By JACK HEALY
Published: February 20, 2009

The markets on Friday afternoon were able to overcome concerns about the the country’s largest banks being nationalized after the White House reaffirmed its belief in a privately owned banking system and a media report that the Treasury Department would release some details of bank rescue plan next week.

Shares came back from trading almost 200 points to be trading mixed.

“This administration continues to strongly believe that a privately held banking system is the correct way to go, ensuring that they are regulated sufficiently by this government,” a spokesman for President Obama, Robert Gibbs, said. “That’s been our belief for quite some time, and we continue to have that.”

Shortly before 3 p.m., the Dow Jones industrial average was down 30 points to 7,438, while the broader Standard & Poor’s 500-stock index was essentially unchanged. The technology-heavy Nasdaq was a few points higher.

As the recession drags on and banking losses pile up, investors have been concerned that the Obama administration could step in and take over some large banks, effectively wiping out stockholders, analysts said. Senator Christopher J. Dodd of Connecticut, chairman of the Senate Banking Committee, told Bloomberg Television that a short-term nationalization might be necessary.

“I don’t welcome that at all, but I could see how it’s possible it may happen,” Mr. Dodd said. “I’m concerned that we may end up having to do that, at least for a short time.”

The report of about the Treasury Department releasing details come from CNBC.

In a signal of growing investor fear, the price of gold rose above $1,000 an ounce for a time as investors ran for cover in a metal thought to have intrinsic value.

The same could not be said for bank stocks. The financial sector fell 7 percent overall while Bank of America, Citigroup and Wells Fargo all fell by 10 percent or more. Troubled regional banks were hammered as well, with of Ohio-based Fifth Third Bancorp flirting with $1 a share.

And analysts said that worries would probably keep growing absent a step-by-step plan from the government that addresses the billions of troubled mortgage-related assets on banks’ balance sheets.

“All these banks are becoming insolvent,” said David Kovacs, chief investment officer of quantitative strategies at Turner Investment Partners. “These banks are undercapitalized. What they have on their balance sheets is bad debt. They don’t have the cash to lend. There is no solution, and time is hurting these entities.”

“You can look at everybody’s trading screen and see nothing but red,” said Tim Smalls, head of United States stock trading at Execution L.L.C. in Greenwich, Conn.

The slide in stocks came one day after the Dow Jones industrial average recorded its lowest close in six years, stock markets around the globe churned lower, and investors ran for cover in investments like gold and Treasury debt.

Markets in Asia and Europe closed lower on more glum economic data and a round of disappointing corporate news, including the bankruptcy filing of the automaker, Saab. The FTSE 100 in London fell 3.2 percent while the DAX in Frankfurt slid 4.8 percent. The CAC 40 in Paris fell 4.2 percent.

“We thought the low points of last fall were behind us, but we seem to be in for more disappointments,” said Vincent Juvyns, a strategist at ING Investment in Brussels. “The markets have lost all sense of direction, which makes it hard to take a position.”

The Labor Department reported that consumer prices had increased 0.3 percent in January, rising for the first time since July. The increase eased fears that the American economy was heading into a deflationary spiral of lower prices and lower economic growth, but consumer prices remained flat year-over-year, a sign of continuing pressure on prices as the recession deepens.

“It’s not terrible to see a break in the disinflationary spiral we’re in even if such a break is only temporary,” Dan Greenhaus, an analyst with the equity strategy group of Miller Tabak & Company, wrote in a note.

Asia saw a less dramatic sell-off, led by the Kospi index in South Korea, which fell 3.72 percent dragged down by financial and industrial stocks. In Japan, the Nikkei 225 slipped 1.6 percent, with equities in banks, retail and communications falling furthest. The Hang Seng in Hong Kong dropped 2.49 percent, with financials there also seeing the heaviest losses.

Chris Nicholson contributed reporting.

source

Continue reading “Markets Attempt to Overcome Bank Fears”  »»

Trump's "golden" image on trial after bankruptcy

By Helen Chernikoff and Ilaina Jonas - Analysis

NEW YORK (Reuters) - Trump Entertainment Resorts Inc's bankruptcy filing is only the latest disappointment to attach itself to the Trump name, once a byword for luxury and high living.

Donald Trump, the real estate mogul who has splashed his name on everything from skyscrapers to neckties to bottled water, has suffered a string of recent reversals that threaten to dilute his cachet, say branding experts. His name, which he often licenses to real estate projects in which he has no direct control, has earned him millions.

"His brand is associated with success and making money. And every time the word bankruptcy appears next to Trump, that's not good," said Allen Adamson, managing director of Landor, a brand consultancy. "He can take a few chinks in the armor, but I think he's probably at the limit."

Famous for shouting "You're fired!" at the contestants who aspired to his tycoon status and lavish lifestyle on "The Apprentice," his long-running reality TV series, Trump would never fire himself. But image watchers will be looking for signs he may have lost some of his luster, as the latest season of his show premieres on March 1.

Deutsche Bank Trust Co Americas, a unit of Deutsche Bank AG, is suing Trump for $40 million, the personal guarantee he pledged as security on a $640 million construction loan for the Trump International Hotel & Tower, according to lawsuits filed in New York Supreme Court in Queens.

He defaulted in November, arguing he should not have to pay over $330 million he owes because the world economic crisis constitutes a "Force Majeure" -- equating it with war or an act of God.

He also seeks $3 billion in damages, according to court documents.

Becoming "president" of the development was the prize awarded to Bill Rancic, The Apprentice's first winner.

In Dubai, Nakheel, the property arm of Dubai Holdings, has postponed work on Trump International Tower and Hotel.

Similarly, Florida developers decided not to proceed with a Trump-branded project even after they paid $2.84 million plus half the net sales to put his name on it, according to court documents filed in U.S. District Court in Tampa.

Another risk Trump runs is the clash between his reputation for luxury and living large and the tough economic times, which calls for understatement, Adamson said.

BRAND BUILDING

Trump's merchandise, as advertised on his website, is far from understated.

"Dress for success," reads the text touting his men's suits. "Made from luxurious fabrics with elegant details including silk lining and gold piping on the interior, the collection exudes confidence and high-end style."

That tone sounds a false note today, Adamson said, because the trumpeting of big spending is out of fashion.

source

Continue reading “Trump's "golden" image on trial after bankruptcy”  »»

Launching bussiness-reader.blogspot.com

Thanks for visiting B-R (bussiness-reader.blogspot.com). We’re here to provides trusted World and USA business news. If you’re interested in business, finance, science, technology, and entertainment news, we hope you’ll bookmark us or subscribe via RSS. We’re new, so we’re keeping things simple for now.

We’ll try to add more features as time goes on, to keep you informed and engaged with the latest business trends.

Continue reading “Launching bussiness-reader.blogspot.com”  »»