Category Archives: Art

Small Business COVID-19 Diaries: Part 4

Small Business COVID-19 Diaries: Part 4

COVID-19 upended economic activity and disrupted bandar poker online business owners’ lives. Here are stories from real entrepreneurs about how the novel coronavirus pandemic is impacting them.
As states begin easing restrictions that were put in place to thwart the spread of COVID-19, many small business owners still find themselves picking up the pieces. While the work never stopped – even while operations were suspended or limited – many are finding that a return to “normalcy” isn’t exactly what they expected.

In this installment of business.com’s small business COVID-19 diaries, we catch up with three entrepreneurs who have emerged from the initial shock of the pandemic in very different ways.

Looking for resources on how to help your small business through the COVID-19 pandemic? Visit the business.com COVID-19 resource page.

Todd Spodek, managing partner of Spodek Law Group
Spodek Law Group PC is a law firm in New York City that provides litigation services for criminal defense as well as divorce and family law. The firm employs 10 people.

Managing partner Todd Spodek, who is a business.com community member, was approved for a Paycheck Protection Program loan of $200,000 in April under the initial round of funding for the program. Since then, he has cut extraneous expenses, caught up with past clients and legal adversaries, established referral networks to help clients access needed assistance, and established a pro bono program for first responders.

While Spodek acknowledges his business has been interrupted, he is largely optimistic.

“To be honest, everything kind of worked out OK,” he said.

He attributes the success of the firm to effective planning at the outset of the pandemic, including an immediate cutting of expenses, pivoting to a remote work model, negotiating with landlords, and community outreach efforts that generated significant goodwill and helped to establish new referral networks.

“A lot of businesses are focused on sales … but the more you focus on sales when people are not in that mindset, the more distance you’re putting into that relationship,” Spodek said. “I took the approach that … our clients need the help now and need someone to organize things for them. We’re focused on providing help. When their life implodes, we’re there.”

According to Spodek, the firm does this through initiatives like the pro bono program for first responders. It also partnered with an organization called Blueground, which provides fast, furnished housing to people who find themselves without a living arrangement on short notice. Additionally, the firm partners with a service called Crisis Text Line, which offers 24/7 support with a counselor.

Small Business Owners Can Support Black Entrepreneurs

Small Business Owners Can Support Black Entrepreneurs

Despite systemic hurdles, Black business ownership is on the rise, booming by 400% in recent years. Even with this growth, though, Black entrepreneurs face unique challenges and could use some support from the rest of the small business community. With August slated as slot online Business Month, we’ve gathered some resources and suggestions for actions you can take to support Black small business owners, on both a local and national level.

Why Black businesses need your support
The small business community in America is a major keystone to the country’s economy. According to a 2019 study from the Small Business Administration, small businesses “create two-thirds of net new jobs” and account for “44% of U.S. economic activity.” As small businesses struggle through the pandemic, many Black businesses will fail without some support, resulting in a further decline in the U.S. economy.

Black-owned businesses are a significantly smaller group than white-owned ones. According to the U.S. Census Bureau, 4 million businesses are owned by members of minority groups, with more than half – approximately 2.6 million – of those being owned by the Black community. To put that in perspective, the SBA estimates that there are more than 30 million small businesses operating throughout the country.

One of the reasons that Black business owners struggle is a lack of funding. Small business owners have long decried how difficult it is to get loans to help them get their ventures off the ground, and this difficulty is amplified for Black business owners. In a recent report from Guidant Financial, experts found that 44% of Black small business owners fund their businesses with cash and 15% get help from their friends and family.

“Without the funds to invest in as many resources as other businesses, such as hiring talent or marketing and advertising, competing for contracts or attracting clients becomes exponentially more difficult,” the report states.

Business Owner’s Guide to FICA Tax That You Need To Know

Business Owner’s Guide to FICA Tax That You Need To Know

Most employers and employees are familiar with the payroll taxes they pay to fund Social Security and Medicare. These two taxes were established under the Federal Insurance Contributions Act, a federal law that requires virtually everyone to fund two of the most prevalent public benefits programs maintained by the federal government. The FICA tax is a shared tax burden for employers and employees, and even self-employed individuals have FICA tax obligations under most circumstances on qq.

What is the FICA tax?
The Federal Insurance Contributions Act established tax rates required of both employers and employees to fund Social Security and Medicare. The small tax that comes out of each worker’s paycheck is a portion of the FICA tax, with employers also contributing funds per employee.

“The Federal Insurance Contributions Act, or ‘FICA,’ is a federal tax that both employers and employees pay via their payroll tax obligations,” James Maio, director of tax at Slate Law Group, told business.com “The FICA tax is made up of two separate taxes, the Social Security tax and the Medicare tax.”

The FICA tax pays into federal retirement and disability benefits established under Social Security, as well as health insurance for American citizens age 65 and older under Medicare. [Read related article: Employer’s Guide to Payroll Deductions]

How does the FICA tax work?
The FICA tax is based on a set rate that can change through legislative action. Currently, the total FICA tax finances Social Security through a 12.4% payroll tax on wages up to a taxable earnings cap of $137,700. That cap is set to increase to $142,800 on Jan. 1, 2021. Any earnings above the cap are not subject to the Social Security portion of the FICA tax.

Medicare is funded through a 2.9% payroll tax with no taxable earnings cap. This means the Medicare tax rate still applies even when earnings surpass the Social Security cap. However, Maio said there is an additional Medicare tax for employees who fall into the “highly compensated” category – those who earn $250,000 annually if married and filing jointly, those who earn $125,000 annually if married and filing separately, and those who earn $200,000 annually and file as single or head of household.

“The law requires employers to withhold the additional 0.9% of Medicare tax from the wages of employees earning [highly compensated salaries],” Maio said.

Otherwise, the total FICA tax costs are split evenly amongst employers and employees.

Top Four Survival Tips for Small Business Owners

Top Four Survival Tips for Small Business Owners

Recall while possessing a private company was dangerous however fulfilling? Distressing however fulfilling? And afterward COVID-19 hit.

Amidst a worldwide pandemic, being answerable for your own business—just as the jobs of your representatives—likely appears to be overpowering if not totally incapacitating. No one said business enterprise was simple, however unquestionably no one anticipated this staggering unforeseen development.

Consistently—maybe consistently—you feel compelled to reset your desires, your objectives and your technique. Will you endure? How long would you be able to help your group on Agen ceme? What does your private company resemble a half year from now, one year from now?

Here are the main four endurance tips for entrepreneurs during the COVID-19 pandemic.

1. Grasp this time of vulnerability as a chance.

American creator John Shedd is known for the expression, “A boat in harbor is protected, however that isn’t what boats are worked for.” American president Franklin Roosevelt once stated, “A smooth ocean never made a talented mariner.”

These are the occasions wherein creativity flourishes—especially among business visionaries. As EO CEO Carrie Santos watches, “Business people don’t make up for lost time with news and can’t help thinking about how they will confront the COVID-19 emergency. Business people bounce in to offer arrangements.”

Before you tackle the current issues, set aside some effort to ponder your center reason. Ask yourself: Are there new ways for you to help your objectives? Relinquish how you worked a week ago and consider what may bode well in this new reality.

Around the globe and over the road, we are seeing instances of business visionaries reconsidering their cycle, their item and their way forward:

• Distilleries turn to make hand sanitizer.

• Health care research facilities improve, work together and share discoveries more than ever.

• Companies from different businesses pull together creation to make face covers.

2. Zero in on your kin.

At the point when you previously dispatched, you focused on drawing in your optimal customers and recruiting great individuals. Thus it remains.

Truly, there might be lay-offs. Your income will drop. This is the ideal opportunity to twofold down on those important star workers and faithful clients.

Organize your group’s security and emotional well-being. Execute new, virtual approaches to discuss consistently with your group. Plainly plot your advantages and let them know their choices. Educated and drawn in workers are enabled and devoted. Incline toward industry peers for imaginative approaches to help your staff and remain educated about the most recent laws and assets in your general vicinity.

• How to deal with your eatery staff during a wellbeing emergency.

• The US Chamber of Commerce shares how associations may plan an on-off leave plan.

• In the US, the administration is permitting states to change their laws to give joblessness protection benefits.

• How to depend on and adjust your bleeding edge workers.

3. Draw in with clients and network.

Try not to disregard the customers, clients and network who help your business flourish. They’re enduring this emergency close by you, so think about their needs also.

Furnish longstanding clients with restrictive approaches to help and draw in with your business. Connect with them through web-based media stages to lift their spirits and find how they’re enduring this troublesome time. Transcend the bedlam and fabricate generosity through your interchanges.

Consider offering gift vouchers toward future administrations or interests in up and coming tasks. Keep in mind, numerous individuals are at home and investing more energy on the web, so be certain your site and online media stages are prepared for early evening. Urge your customers to post online surveys. In the event that conceivable, make approaches to up your virtual business.

Tom Dwan, Patrik Antonius Big Winners So Far This Month

Tom Dwan, Patrik Antonius Big Winners So Far This Month

Tom Dwan continues to dominate in 2010, adding another $1.45 million to his already impressive profits in the first two weeks of April.

Dwan, who dropped a total of $5.57 million on Full Tilt Poker in 2009 (according to HighStakesDB.com), has come roaring back in 2010, making a total of $5.43 million over 147,365 tracked hands. “durrrr” has made almost triple the profits of the next most profitable player of Judi Online, Ilari “Ziigmund” Sahamies (+$2.07 million).

After dropping about $300k in January, “durrrr” has come roaring back. Here is a breakdown of his profits/losses by month in 2010:

January, -300k
February, +$1.0 million
March, +3.27 million
April, +$1.45 million

Dwan has been been putting in a ton of hands on Full Tilt Poker this year – far more than any other of the regulars in the big games on the site. This frequent play has done wonders for Dwan’s bankroll, as he has been able to make nearly $8 million on Full Tilt Poker since the beginning of December.

Other players who has gotten off to strong starts in April include:

Patrik Antonius, +$764k
“URnotINdanger2”, +$626k
Gus Hansen, +$557k
“MicahJ”, +$556k

Patrik Antonius has finally gotten a bit of positive momentum after getting off to a horrible start in 2010. However, despite the $764k uptick over the past few weeks, Antonius is still down over $2.25 million for the year.

Gus Hansen has also managed to halt a recent slide that saw him give nearly all of his profits back for the year. Including his $500k upswing in April, Hansen is now up about $763k for the year.

Cara Ampuh Membasmi Rayap Dalam Hitungan Menit

Cara Ampuh Membasmi Rayap Dalam Hitungan Menit

Dari sekian serangga dan hama lainnya, rayap tampaknya jadi yang paling berbahaya oleh karenanya anda akan membutuhkan anti rayap bali. Mereka adalah salah satu hama yang bisa menghancurkan fondasi rumah Anda hanya dalam beberapa tahun.

Bagian terburuknya adalah mereka juga dapat menghancurkan barang kesayangan Anda hanya dalam sekejap! Rumah dan furnitur Anda yang sangat berharga jadi tidak bisa diinvestasikan karena masalah hama belaka. So, sangat penting bagi Anda untuk mengambil langkah dan tindakan pencegahan untuk melindungi rumah Anda dari rayap.

Kali ini kami tak hanya memberikan ulasan tentang cara membasmi rayap, tapi juga memberi informasi tentang jenis rayap dan cara pencegahannya. Yuk langsung aja meluncur ke artikelnya dibawah ini!

Rayap adalah hama koloni yang datang dalam 5 jenis yang berbeda. Mereka memakan selulosa, yang berarti setiap rumah memiliki kesempatan untuk menjadi tempat hidup bagi mahkluk menyebalkan ini.

Rayap bisa muncul pada tanaman atau bahan kayu apapun tanpa ada tanda-tanda sebelumnya. Rayap memang dirancang khusus untuk merobek bahan selulosa bahkan yang sulit sekalipun, mereka akan dengan mudahnya menggerogoti lemari semudah menggigiti buku Anda sampai habis.

Fixed-chances wagering terminal top must be only the beginning of betting guideline

Fixed-chances wagering terminal top must be only the beginning of betting guideline

The most extreme stakes allowed on fixed-chances wagering terminals in the UK is to be sliced from £100 to £2, following long stretches of crusading for the adjustment even with betting industry campaigning. The individuals who battled hardest for more prominent insurance for clients of the machines, for example, the Campaign For Fairer Gambling will be satisfied by the UK government’s choice, yet the most intense cheers will originate from individuals like Tony Franklin who have endured appallingly in light of choices taken by British governments – all things considered and over numerous years – that permitted high-stakes electronic betting to enter the beforehand low-stakes universe of high road wagering shops.

Terkait dengan hal tersebut, pada ulasan kali ini akan dibahas lebih lanjut tentang trik awal yang wajib diketahui oleh para pemain poker pemula, sebelum mulai bermain poker pada situs daftar situs judi slot online

I’ve been among those contending for the most extreme stakes to be diminished, in numerous administration interviews on the issue, and I’m happy that sound judgment has won finally. Be that as it may, the choice to cut most extreme stakes leaves different issues still to be handled – and these go to the core of betting strategy. The administration’s declaration shows they still can’t seem to deal with an amazing industry which anterooms hard for self-guideline.

Fixed-chances wagering terminals (FOBTs) were presented around 2000, and it before long became evident that they were utilized uniquely in contrast to the organic product machines that they supplanted. An assessment change in 2001 had empowered bookies to make digitized, virtual rounds of roulette and permit punters to wager on the result of each turn, as they would on the result of a horserace. The indispensable contrast is that while a horserace happens a couple of times every hour at a track – or at regular intervals, on the off chance that you bar activity from around the globe into the wagering shop – each turn of an advanced roulette genuine on a FOBTs takes 20 seconds, faster even than the genuine article.

Only one out of every odd bookmaker expected FOBTs to be famous – some were shocked when their benefits exceeded over-the-counter wagering. This was less “Compulsion by Design” and increasingly a buoyancy gadget for wagering shops, which had been battling to discover new clients as the more established age of punters wagering on ponies and canines were not supplanted. A few bookies didn’t anticipate that the machines should make due as long as they have in their current, high-stakes, high-recurrence structure. One said to me as of late that the main genuine astonishment is that it took the legislature such a long time to act.

Be that as it may, is it actually an amazement?

Discard Most Of Your Paints!

Discard Most Of Your Paints!

Narrating Art Secret #3 You Absolutely Need to Know

“Discard the greater part of my paints! Gumble, would you say you are out of your cotton-picking mind? I need every one of my paints. Everybody knows the more shading you use in your work, the better it will be.”

Isn’t that so?

All things considered, simply let me infuse a little rhyme into my answer: 100 containers of paint don’t a craftsman make.

(This is the third in a progression of blog entries about the Story-revealing to Art Secrets You Absolutely Need To Know. Each post uncovers an alternate part of recounting to the most energizing story you can in your craft. Snap these connections to peruse past posts about Story-revealing to Art Secret #1 and Story-disclosing to Art Secret #2.)

I recollect a workshop I showed a few years prior where one member got a huge number of pastels. Some were in boxes. Some were in packs.

There were such a large number of various hues and shades that she didn’t have the foggiest idea where to start. Having such a tremendous exhibit of decisions can be scary.

Frequently it just takes a couple of hues, utilized reasonably, to make brilliant craftsmanship.

In Rembrandt’s day painters had numerous less hues to work with than we do today.

So they figured out how to utilize the hues they had to further their best potential benefit.

To deliver incredible work.

Furthermore, one of the signs of incredible work is that it has a rational and firm shading plan.

Presently that doesn’t mean you should just utilize earth hues like in Rembrandt’s self picture. It doesn’t mean you can’t utilize brilliant hues.

It means that the hues you use should cooperate to make a strong entirety.

What’s more, one method for getting a firm shading plan is to choose to utilize either for the most part cool or generally warm hues in a specific work.

Rembrandt’s self representation it is extremely warm earth tones.

Oregon craftsman Carol Marine’s still life is the polar opposite. Here she filled her composition with for the most part cool hues and cool grays.

That makes the warm shading in the star truly stick out.

In my work of art “Filipinas” I took it somewhat further and not just made the shading plan warm in tone.

I additionally limited a decent arrangement of the artistic creation to a particular shading range.

For what reason would I did that?

How does that make the star stick out?

Notice how the three most youthful young ladies with their dark leotards strongly appear differently in relation to the lighter foundation.

However your eyes are attracted to the more seasoned young lady holding the umbrella.

How You Make Art Fascinating

How You Make Art Fascinating

You may answer that you make workmanship captivating by picking a superb subject to draw or paint.

One issue is that what appears to be an awesome dependent upon you might be absolutely exhausting to another person.

Take the little pastel composition beneath. This is one more painting from my Sunday morning figure drawing gathering.

My concern in demonstrating it to you will be you might possibly be keen on nudes.

All in all, how would I paint it such that you may discover fascinating?

It’s Not Necessarily The Subject

Let me start to answer that by first saying it has for some time been my conviction that what you paint matters not as much as how you paint it.

Similarly as it’s conceivable to make a dazzling mountain see appear to be dull…

A craftsman can make sense of how to locate the key to cause specialty of even to would openers be able to look fascinating.

An effective bit of craftsmanship isn’t really only a precise delineation of the subject.

(Particularly not, on the off chance that you acknowledged the demand of having can openers as your subject.)

A drawing or painting can be fruitful in light of the fact that the charcoal or paint was applied in a fascinating manner.

Take a gander at what I did to make workmanship captivating right now.

To begin with, the model is clearly the focal point of my image, however I decided to make her head the star. I put the most difference and detail there, with the goal that’s the primary spot you look.

Second, I continued everything basic. I didn’t show pointless subtleties. How you improve your imagination is to concentrate on what’s generally significant.

My aim is for the most part to leave a considerable lot of the subtleties to the watcher’s creative mind. That helps bring the watcher into the craftsmanship and increment her happiness.

Third, I ensured I utilized each of the three kinds of edges. Hard, delicate and lost and found. Right now can be utilized to make craftsmanship captivating.

Notice how the model’s upper back, while a progressively orange shading, is a similar incentive as the pink foundation. That permits it to nearly vanish.

At left I’ve carefully changed the artistic creation to highly contrasting, so you can all the more promptly observe the edges and qualities without the interruption of shading.

As her back bends down toward her midriff it turns into a harder, progressively unmistakable edge and afterward vanishes again – into the tone of the paper.

Her left shoulder and arm stand apart with harder edges, however her lower arm vanishes at the wrist.

Just a little feature reveals to you where the hand is.

Her left knee is obvious and the remainder of that leg vanishes into shadow.

All these little deceives assist you with improving your imagination and show you how to make your craft all the more entrancing to take a gander at.

Shouldn’t something be said about the Background?

Since the encompassing territories are a lot bigger than the model, I need to plan something for make those regions intriguing, as well.

Furthermore, I need to make those zones fascinating, yet not all that intriguing that they struggle with the star of my image. In the event that I painted those regions an absolutely level shading, they would be truly exhausting.

So what I’ve done is make a fanciful shaft of light corner to corner over the foundation.

What’s more, I permitted the conditioned paper to appear in the upper left and let it become some portion of the model’s hair.

All these easily overlooked details make vitality.

They give an artistic creation life, and make craftsmanship fascinating to take a gander at.

Escape The Dilemma of Disastrous Details

Escape The Dilemma of Disastrous Details

As a starting craftsman, you presumably experience the ill effects of this quandary of terrible subtleties.

Likely without knowing it.

You may have seen me compose that starting craftsmen make making craftsmanship excessively confused.

One reason for this is the normal propensity to get enchanted with drawing or painting each appalling point of interest you can see.

I state heartbreaking subtleties are a predicament, in light of the fact that an excessive number of subtleties really take away from your craft.

At the point when you study crafted by numerous great specialists, you see they maintain a strategic distance from this predicament.

See this canvas by Hall of Fame artist Mark English. You don’t perceive further subtleties included than were totally vital.

Look how basically he marked Twain’s hair. He didn’t attempt to precisely repeat each and every strand.

He just gives you enough for you to perceive what this’ identity is and realize that Mark Twain had one rugged head of hair.

English does likewise in the remainder of the composition. Extremely streamlined.

He just incorporates enough detail so you recognize what everything is.

Presently, so as to figure out how to streamline like somebody of Mark English’s bore, you have to begin basically, too.

You keep away from the predicament of appalling subtleties by rehearsing straightforwardness on little things first – like eyes, for example.

Take a gander at how English portrays the eyes. You see scarcely any detail. You don’t have to.

You know from the shapes and the position, these must be eyes.

That is regularly something contrary to how starting specialists delineate them.

Regularly this is the means by which I see hopeful craftsmen draw or paint an eye.

Look how level it appears.

Also, while the iris is a piece of the eye, when you try really hard to show it, it can make the eye seem as though the proprietor is on drugs.

The eye is a circle implanted in your eye attachment. It’s quite often shadowed.

What’s more, never unadulterated white.

The main time it would be white is on the off chance that you hauled it out of its attachment and illuminate it.

Indeed, even a feature on the eye is rarely unadulterated white. It is just a lighter variant of the shading that is there.

Presently look the amount all the more genuine (and increasingly round) both of these basic eyes look.

Right now I’ve gotten away from the issue of grievous subtleties. I’ve disentangled much further by streaming the shadow under the eyebrow into the eye itself.

Much like Mark English did in his composition of Mark Twain.

It despite everything looks genuine. It despite everything looks round, and it shows how effortlessness makes workmanship substantially more fascinating and… well, less complex.