A Weekly Roundup of Small-Business News - NYTimes.com

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A weekly roundup of small-business developments.

What?s affecting me, my clients and other small-business owners this week.

The Big Story: A Healthy Debate

As annual health care costs for a family of four reportedly top $20,000, the Supreme Court wraps up three days of health insurance debate and seems split over striking down the overhaul. Dr. Aaron E. Carroll says that reform could survive the loss of the individual mandate. Ezra Klein says we can?t afford another 18 years of health care drift. Small-business groups argue both sides of the law, and a small-business lobby spends a million dollars assaulting it. Madison Park and Elizabeth Landau reveal lesser known effects of the bill. Take this quiz to find out how much you know about reform. Health tips: too much sitting can kill you but eating lots of chocolate can help you lose weight.

The Economy: To Ease or Not to Ease

The Federal Reserve chief, Ben S. Bernanke, ponders more easing, saying the job market is still weak. The Philadelphia Fed?s Charles Plosser says he doesn?t see any need for additional stimulus. A shareholder group says the underlying causes of the financial crisis are not being addressed. Caroline Baum says four numbers are adding up to an American debt disaster. Two surveys, of chief executives and business owners, reveal cautious optimism. The Senate approves an extension of federal highway funding.

The Data: Housing Turnaround?

House prices have sunk back to 2003 levels. Pending home sales eased in February. Barry Ritholtz is stumped by the insistence that a turnaround in housing is upon us: ?It simply is not in the data.? However, Toll Brothers reports that orders are up significantly. Corporate profits approach a cyclical high. Durable goods and truck tonnage increased in February, but consumer confidence fell. March auto sales are expected to hit a five-year high. Mark Perry says that the cost per mile of driving a car, adjusted for inflation and increased vehicle efficiency, is 28 percent less than in 1980. Rail traffic continues to send cautionary signals. Student loans worth $270 billion are at least 30 days delinquent.

Start-Up: Y Combinator?s Top 10

The JOBS Act is approved and with its passage, Steve Case and others look forward to a less-regulated start-up world. Unfortunately, some think the act will benefit financial criminals. This week?s celebrity start-up: Jessica Alba raises $27 million. A social video start-up draws big names. John Furrier explains how a start-up powered ?The Hunger Games? into a global social phenomenon. A service called FounderDating helps tech entrepreneurs meet their ideal start-up match. Erik Sherman tells start-ups that cool products aren?t enough: ?A hot mobile app that gets attention does not a company make. A better way: Build what people want and find a way to make it pay.? Here are the 10 most successful Y Combinator start-ups. A new report finds that women are starting businesses (pdf) at a rate exceeding the national average. Nick Hughes says there are five essential start-up talents, including adaptability: ?Nothing in a start-up ever goes as planned, and thus, start-up founders must be able to adapt to changing circumstances.?

People: Job Openings

Amazingly, Ron Burgundy?s back. And yes, people really are amazing. Jeff Sass asks parents if they?re raising entrepreneurs: ?You need to be the entrepreneur of yourself. You are the start-up. These are the lessons I am trying to practice myself, and instill upon my kids, all in their 20s. This is their world.? Here are the 50 highest-paying careers. A business owner says he has job openings but no one wants them. Tony Bradley says this of employers who are demanding that people surrender their Facebook credentials as a condition of being hired: ?The practice is simply ludicrous, so don?t be one of those employers.? A dog is very excited to see a returning soldier.

Management: Tracking Gordon Ramsay

In this audio, Rich Killian and an accountant discuss the accounting mistakes small-business owners make. Ever wonder how Facebook managed 3,000 twenty-somethings into a $100 billion company? You should never pay full price for these 25 things. Barry Glassman says that not all business growth is good: ?I think that all too often successful business owners eventually lose sight of why they started their business in the first place, trading off those values for the sake of growth itself.? Howard Owens says newspaper pay walls create opportunities for local entrepreneurs. An infographic charts? Gordon Ramsay?s successes and failures. Jason Cohen explains how perfect pricing got him 1,500 sales in two days. Batman is pulled over by the police.

Sales and Marketing: Sometimes, the Customer Is an Idiot

Drew McLellan explains how packaging can help you sell in a new way. Social customer relationship management is off to a strong 2012. But Neil Davey wonders if C.R.M. is failing our businesses. Kelley Robertson says customers can be idiots. Carolyn Higgins questions whether Facebook ?likes? are good for business. Here are five hyperlocal marketing channels to consider. Nichole Kelly shares five tips for moving social media leads into the sales funnel. Matt Heinz explains why most end-of-the-month sales promotions backfire: ?Smart reps will sit on those deals until the end when you regularly spike their compensation in an attempt to squeeze as many new sales out of the last week.? LinkedIn use by small-business owners is up, and Twitter use is down. Lee Polevoi offers five tips for building customer loyalty.

Around the Country: The Power of ?Zoo Poo?

One map shows the most influential media outlets by state while another reveals how much wind states are generating. Texas manufacturing activity continued to increase while Chicago?s economic activity (pdf) remains average. Kansas City?s (pdf) growth moderated. New Jerseyans try to figure out what?s causing a strange glow in the sky. Subway can?t make $5 sandwiches in San Francisco because of the minimum wage. The Arizona Small Business Association has announced an ?amAZing Small Business Video Contest.? Led by North Dakota (8.1 percent) state personal income rose an average of 5.1 percent in 2011 after rising 3.7 percent in 2010. In Denver, a motorized rickshaw shows off the power of ?zoo poo.? Laura Leites updates her list of coming awards and contests for small businesses. And whether you?re an engineer, an entrepreneur or simply a creative thinker, consider putting your ideas to the test by entering one of these competitions.

Around the World: Headaches

Rising Chinese wages are becoming a headache for American companies. An amazing opera/pop duo appears in England while Queen Elizabeth surprises a wedding party. The American economy is pushing small businesses to look abroad. A new study reveals that American and European chief executives are concerned about political and economic risks, while their Asian counterparts focus more on innovation and human capital. A trading company introduces a global platform aimed at small and medium businesses.

Finance: Attack of the Cash Mobs

Bank of America rolls out a small-business 401(k). Wells Fargo is raising rates on some business owners. American Express enables eligible customers and merchants to advertise on Twitter. Brother International announces five winning applicants for its small-business grant program. Wallet-toting activists spend money at the first International Cash Mob day. A mobile Web site creator for small businesses raises $6 million.

Boss of the Week

Gilad Elbaz, the founder of Factual and an investor in 30 other start-ups, may be the most influential inventor in the booming business of data collection and analysis.

Technology: What?s on Mr. Burns?s iPad

Paul Mah reviews the new Asus Eee Slate B121 tablet. A new design for inverters could lower the cost of solar power. A little company announces a big breakthrough for electric vehicle batteries. Small-business owners are figuring out QR codes. Drew Olanoff explains why he has no interest in owning the new iPad, but Mr. Burns likes it and these guys do some magical things with it. Anne Perez is impressed by Starbucks? use of technology. Eddie Ringle explains why Web apps might beat out native apps for mobile devices. A new type of plastic can repair itself .

The Week?s Bests

Motivation Strategies. Mikey Rox lists 25 ways to motivate yourself, including ?prepare the night before?: ?Being prepared is an essential component to motivation because it cuts down on the anxiety you may feel when diving in. If you have small things that can be done in advance of a big workday, do them the night before. When you wake up, those menial tasks will be complete, so you can head straight into the heavy stuff.?

Analysis of Body Language. Marie Stempinski says body language is big in business: ?Handshakes are especially important for women in the business world. ? Too many women ? most of whom are otherwise self-assured and competent ? feel uncomfortable firmly squeezing another person?s hand. If you have this problem, practice on a friend or family member until a strong handshake comes naturally to you.?

Way to Pay Vendors. Hans Steege explains how to make vendors love you: ?Pay early. How much interest are you making by paying in 30 days instead of 20? In 90 days instead of 70? Do you really need to hang on to that money for those few extra days, or would your cash flow be fine if you paid a bit early? If you can swing it, pay early. Nobody ever does it. Ever. You will stand out, and your vendors will love you. Establish a history as a prompt payer, and chances are that fabricator will be more likely to rush through that job when you need it.?

Today?s Question: How quickly do you pay your vendors? How quickly do you like people to pay you?

Gene Marks owns the Marks Group, a Bala Cynwyd, Pa., consulting firm that helps clients with customer relationship management. You can follow him on Twitter.

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Xamarin Announces April Mobile App Development Seminar Schedule

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Improving the Value of Your Home from the Foundation Up

The value of your home depends on various factors. The location, size, the current demand scenario, as well as the improvements you have made to your home. Home improvements are astounding and shrewd investments because they enhance your life when you are at home and contribute to the value of your home. Potential buyers assess the structural soundness of your home before making an offer. To ensure that your home is structurally safe you need to undertake foundation repair as soon as the first signs of foundation problems appear. By repairing the foundation of your home, you will be assured of a safe home and a higher value if you choose to sell it. Most people do not live in the same home indefinitely.

Selecting a Contractor for Foundation Repair

Selecting a foundation company in Fort Wayne is no easy matter.

You need to pick a contractor with plenty of experience and expertise in dealing with foundation repair. By making sure the foundation company uses products designed by a respectable company, with in-house expert who could and should be a structural or geotechnical engineer, you will ensure that the foundation of your home is in good hands. Apart from using products designed specifically for the conditions in your home, an expert contractor will assign technicians trained by the manufacturer of the products to install them. This will ensure that the foundation of your home is repaired quickly and lasts long. A certified technician can install a foundation repair system in a week, normally.

Keeping the Basement Dry

While not all homes have foundations with structural problems most homes will encounter wet basements.

This can be caused by small cracks in the basement walls or leaking pipes. When your basement is damp or wet, mold can quickly grow and spread a musty smell all over your home. Additionally, the presence of mold in your home can lead to health problems. Unless you take prompt action to deal with a wet basement in your Bloomington, IN, home, you will have to spend more money on mold remediation. A solid and competent contractor will offer to dry your basement, check for the source of the water, and ensure that your basement is waterproofed.

Selecting a Basement Waterproofing Contractor

When waterproofing the basement of your home, you need to pick a basement waterproofing company in Bloomington, IN, that will use products with transferable written warranties. Only companies that have the expertise to install the proper waterproofing system will offer these warranties. By using tested systems developed to keep basements dry, you will be able to finish your basement and use the additional floor space. Also, if you need to sell your home, you will receive a higher return on your investment because the basement is dry and waterproof which only increases the options of any prospective buyer.

Using Sump Pumps to Keep Basement Dry

Wet basements are caused by various reasons. Often the excess moisture collecting in the soil around the basement seeps into the house through cracks, joints, walls, floor, and the concrete itself. The best way to prevent this seepage is by collecting the excess water in drains, diverting it to a sump, and pumping it away from your home. Only expert contractors who specialize in basement drying will be able to install the entire system properly, quickly, and with minimum disruption to the rest of your home. By using an expert basement waterproofing company in Muncie, IN, you will be ensuring that the workmen install the system correctly and clean up after themselves.

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ornorml: Oregon Attorney General Debate At Willamette University Tomorrow | The Weed Blog http://t.co/EKKovzUK

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Romney's focus on Obama brings new challenges

Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks at a building supply store in Green Bay, Wis., Monday, April 2, 2012. (AP Photo/Steven Senne)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney speaks at a building supply store in Green Bay, Wis., Monday, April 2, 2012. (AP Photo/Steven Senne)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney greets the crowd during a campaign stop at a building supply store in Green Bay, Wis., Monday, April 2, 2012. (AP Photo/Steven Senne)

Republican presidential candidate, former Pennsylvania Sen. Rick Santorum signs his autograph on a cheese head hat at Simon's Specialty Cheese in Appleton, Wis., Monday, April 2, 2012. (AP Photo/Jae C. Hong)

Republican presidential candidate, former Massachusetts Gov. Mitt Romney, accompanied by House Budget Committee Chairman Rep. Paul Ryan, R-Wis., speaks at a building supply store in Green Bay, Wis., Monday, April 2, 2012. (AP Photo/Steven Senne)

(AP) ? As Mitt Romney looked for a sweep in Tuesday's three Republican primaries to tighten his grip on the party's nomination, President Barack Obama criticized the GOP front-runner by name in a campaign ad for the first time, signaling that he too thinks the nomination race is all but over.

Regardless of the outcome in Wisconsin, Maryland and Washington, D.C., Romney was rapidly shifting toward the general election ? and the challenges of Obama's better-financed and better-organized opposition.

The president flexed that campaign muscle Monday, suggesting that he's ready for Romney even if the former Massachusetts governor isn't quite ready for him. Obama released a television ad set to run in six swing states accusing Romney of standing with "Big Oil." The ad came hours after the release of a similar campaign from an Obama ally.

Romney has been ignoring his Republican rivals for several days and taking it to the Democratic president, whom he accused Monday of "crushing dreams" with a "government-centered society."

"He takes his political inspiration from the capitals of Europe," Romney told supporters in Green Bay, Wis., one day before the latest primaries in the GOP fight. "His version of a perfect world is a big-spending big government."

The grinding Republican primary, already 3 months old, has complicated his ability to re-focus his broader organization and resources toward Obama. Aides concede that staff building and fundraising for the fall match-up are lagging.

Romney's recent string of high-dollar California fundraisers was limited to raising money only for the Republican primary contests. Aides are only beginning to take steps to raise cash to use against Obama, who has been aggressively fundraising and distributed staff on the ground in almost every state in the nation.

The delay has given Obama a massive head start. The disparity is staggering.

At the end of February, Obama reported $84.7 million in his campaign account compared to Romney's $7.3 million. Obama has more than 530 paid staff compared to roughly 100 for Romney.

A fading Rick Santorum, also campaigning in Wisconsin on Monday, said that Romney has essentially bought his success by outspending the competition.

Romney and his allies have spent a combined $53 million on television advertising so far this election cycle compared to just $27 million from his three Republican competitors combined, according to data compiled by the media tracking firm SMG Delta.

Santorum's team, having narrowly lost a string of high-profile contests, spent just $9 million.

"With almost unlimited resources, Gov. Romney has not proven to be very effective," Santorum said Monday as he predicted a possible upset in Wisconsin. "The only way he's been successful in winning the primaries is by just bludgeoning his opponents by an overwhelming money advantage ? something he's not going to have in the general election."

In the primary race, Romney has a huge advantage in delegates. On Monday, The Associated Press count had Romney with exactly half the delegates needed to win the nomination, 572, and twice as many delegates as Santorum.

For the fall campaign, Romney's presidential hopes may rest, at least in part, upon the ability of the Republican National Committee to give him a running start. The RNC, beset by problems of its own in recent years, says it's ready to meet the challenge. Yet party officials acknowledge limitations. General election fundraising in particular has suffered without a nominee.

The RNC last week announced it had filled a "presidential trust" with $21 million to spend in coordination with the nominee. But there is no limit on what the committee can raise and spend on its own to support the party's presidential contender.

"There are donors that are sitting on the sidelines right now," said RNC political director Rick Wiley.

Romney's campaign has been anxious to be able to raise money for the party itself when it holds finance events ? donors can cut checks of up to $30,800 to the party committee. Without the nomination, however, Romney hasn't been able to ask for that money yet. That's changing this week, the Romney campaign said Monday night, as Romney prepares to begin raising money jointly with the RNC. The Wall Street Journal first reported the change in strategy.

Romney spokeswoman Andrea Saul said the campaign has been talking to the RNC about preparing to challenge Obama, including joint fundraising. "Our donors are ready to mobilize for November and understand that, for the Republican nominee to be able to compete with the $1 billion Obama machine, they need to get started now," she said in a statement.

Complications for the Romney campaign extend beyond fundraising.

Wiley said the committee's nationwide network of "victory centers" might not be fully operational until August unless a nominee secures the nomination soon.

"I think you will see as soon as you get a nominee, an accelerated ramp-up of staff," Wiley said. "Right now everyone's out the door by August, but I can see a scenario where everyone was out the door by June or July if we had a nominee in the next 30 days or so."

Late last month, the RNC opened general election offices in North Carolina and Virginia and in Florida, a critical swing state where the committee now has 10 offices, according to Wiley. And this week offices are set to open in Nevada, Colorado, New Mexico and Michigan.

Romney's campaign, which would assume control of the offices should he claim the nomination, has been slow to implement a plan to reach Hispanic voters, outside of a handful of states, such as Florida. The RNC separately is instituting Hispanic state directors this week in Florida, North Carolina, Virginia, Colorado, New Mexico and Nevada.

While the RNC cannot pick sides before a nominee emerges, Romney's campaign has benefited from a network of informal alliances. Many members of Romney's senior staff have either worked for, or closely with, the RNC for years.

Wiley, for example, worked under Romney's political director, Rich Beeson, for more than a decade. Beeson was the RNC's political director four years ago.

Beeson said that even without the RNC's help, the Romney campaign has built a network of donors, prominent supporters and voter files that will translate to the general election.

"You don't go into Florida and bank as many early absentee votes and do what we did statewide without leaving behind a pretty good organization that's still in place and will be there in a general election," Beeson said. "Same with Ohio, same with Michigan, same with Colorado, with Nevada ? just sort of go down the list. There is an infrastructure in place in every one of those states."

In some cases, however, the campaign is not as prepared as Beeson would like.

Romney's campaign often moved staff from state to state as the primary progressed. Much of Romney's Florida senior team, for example, left the state for Ohio as soon as voting finished ? and then moved on yet again from Ohio to Illinois and then to Wisconsin.

They are eager to expand, however. The campaign has a list of Republican operatives ready to hire as soon as Romney has general election money to pay them. The campaign's Boston office occupies two floors but is preparing to fill a third.

In Chicago, Obama's team has 300 paid staffers already at work inside the president's re-election headquarters. They're anticipating a general election against Romney.

"We are building the largest grassroots campaign in history on the ground," Obama campaign spokesman Ben LaBolt said. "Ultimately, our supporters talking to their networks about the two candidates, their records and their visions for the country will be much more persuasive than any television spot."

__

Associated Press writer Beth Fouhy contributed to this report.

Associated Press

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ConArtistNYC: In Fukushima again, which is the same region. Looks like it's perhaps only a 5, but it's just being reported now on NHK in Japan

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In Fukushima again, which is the same region. Looks like it's perhaps only a 5, but it's just being reported now on NHK in Japan ConArtistNYC

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Baby Shower! | Those Newmans

So I know I promised a weekly update but now the week is pretty much over and I never had the time to do one! lol
This weekend was so busy! On Friday my co-workers gave me a shower and then on Saturday my mom did. It was so nice!! I felt so loved :)

My Friday baby shower was more beautiful than I had imagined. My team went all out and transformed our work room into an elegant little tea room. All my friends stopped by and as they dropped off presents I opened them and we talked.
Some highlights: the punch was ah-mazing!, my team pitched in and got Eli his highchair, a dear friend bought me the sweetest book, and I loaded up on diapers. :) It was so sweet of my co-workers to think of Eli and I- we so appreciate their generosity.

Saturday was even more amazing! My mom picked this small catering company right around the corner from her house. It seems like nothing on the outside and I drove right past it on the way there because it?s so hidden. But inside it was beautiful! Reminded me of some place you might host a small-scale wedding.
I really can?t say enough about my shower that my mom threw. It was way above and beyond any expectations I could have had. The food was amazing- apricot brie, asparagus rolls, cucumber sandwiches, elegant desserts?
Everyone was dressed so nicely too! My mom, my sister and my meme stole the show with their stunning dresses!!
Then of course there were the presents. I didn?t realize how many there were until I sat down to open them. I think I spent an hour opening gifts? WOW! Eli is so loved!! :)
We took a ton of photos, ate too much food, and I have officially been showered! It took us from 4:00-10:00pm to unpack everything from the car, open everything up and find homes for all our new stuff (I have more crib sheets than anyone could ever need lol). I would say that we are pretty much set for Eli to get here.

After presents I had my sister read Welcome to Holland for everyone. I don?t know how she didn?t cry because I boo-hooed the whole time. lol But it was the most accurate way to let everyone know where we are at right now. So overjoyed to be having our miracle baby yet so apprehensive about what that means with his diagnosis. My family responded with: ?We can?t wait to go to Holland with you!? Aren?t they amazing? They have already boarded the plane, so to speak. ;)

I want to say a HUGE thank you to all my family and friends! I am so so blessed and feel overwhelmed by your giving hearts! This child is loved unconditionally and I can?t wait to share him with all of you!

My drive home was very surreal! I felt so overwhelmed that I cried. Overwhelmed that this is really happening and that my life is about to change forever. Overwhelmed at the love my family and friends showed. Overwhelmed because this is all just so surreal?in a good way. :)

A few things that we still need:
-diaper bag (I also need to find a good list of what to take to the hospital)
-breast pump (oh joy)
-bottles
-changing table pad/cover
-mattress cover
-cosmetic stuff?

And now we are at Sunday. I woke up with fluid in my ears, a stuffed up nose and a puffy face. Awesome lol
I don?t know what on earth happened but I think I am sick?or getting sick. Again.
I think today will be dedicated to taking it a bit easier than yesterday. Who knew showers could be so much work?! I literally spent the whole morning cleaning the house and preparing for my shower?and then the whole day/evening picking up and putting stuff away. Impossible to avoid puffy feet that way!

When my photographer gets the pictures put together, I will happily share. Until then, enjoy these little teasers. :)
Hope everyone had a wonderful weekend!

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bcs rankings week 13