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The U.S. Small Business Administration (SBA) can guarantee bonds for contracts up to $2 million, covering bid, performance and payment bonds for small and emerging contractors who cannot obtain surety bonds through regular commercial channels. SBA's guarantee gives sureties an incentive to provide bonding for eligible contractors, and thereby strengthens a contractor's ability to obtain bonding and greater access to contracting opportunities. A surety guarantee, an agreement between a surety and the SBA, provides that SBA will assume a predetermined percentage of loss in the event the contractor should breach the terms of the contract.
OFCCP Compliance: Understanding the OFCCP’s new ruling on Internet Applicants
OFCCP Ruling at a Glance The Internet Applicant final rule, issued by the Office of Federal Contract Compliance Programs (OFCCP), addresses recordkeeping by Federal contractors and subcontractors about the Internet hiring process and the solicitation of race, gender, and ethnicity of "Internet Applicants." As of February 6, 2006, contractors must keep records in compliance with these new OFCCP regulations.
General Contractors Liability Insurance, Certificates of Insurance, the Misnomers
General Contractors Liability Insurance, Additional Insureds, Certificates of Insurance, the Misnomers. Regarding General Contractors Liability Insurance and General Liability Insurance Certificates, there is a grand misnomer running rampant through the construction industry in NY, NJ and MA. I only speak about these states because I am familiar with their laws as they apply to the insurance, construction industry and the labor law. Please check your federal (OSHA), state, city and local government for laws as they apply to the construction industry and the labor law.

We had TARP for residential, now comes commercial
The residential collapse has contributed to a record number of bank failures. Now banks are seeing commercial lending problems rise, centered around commercial real estate. Bankers, industry analysts and observers widely expect first-quarter 2009 data — scheduled to be released in the next few weeks as part of many lenders’ first-quarter reports — to signal a continued escalation in loan defaults from all forms of commercial borrowers, from the real estate at office parks, shopping centers and commercial building space to more traditional business borrowers. State banks, according to Federal Deposit Insurance Corp. data, reported a 15 percent increase in non-farm, non-residential loans — the regulators’ definition for all commercial loans — as nonaccrual loans within the last 90 days of 2008.
Employee vs. Independent Contractor - How to Correctly Classify Workers and Avoid IRS Employment Tax Audits
Employers must beware of the federal and state crackdowns on the use of independent contractors to avoid payroll tax problems and employment tax audits. But how do you distinguish between independent contractors and employees? More importantly, how does the IRS determine who owes unpaid employment taxes and who doesn't? Consider these tips to make correct determinations of worker classifications and avoid the wrath of IRS audits for unpaid employment back taxes and payroll tax problems.
How to do a Basic Energy Audit
How to do a Basic Energy Audit of a Non-Residential Building
Advanced Energy Audits
Advanced Energy Audit Methods for Non-Residential Buildings
Independent Contractor vs. Employee
Many business owners have used independent contractors when appropriate and especially when the needs are part time and/or irregular hours. Using independent contractors can save the business owner on payroll taxes and can be a plus if the need is occasional.
BEST PRACTICES WHEN USING SUBCONTRACTORS
Contractors take great care to make certain that their subcontractors have the necessary skills to perform their craft. Unfortunately, many contractors are less informed about best practices for the business relationship with their subcontractors. Without taking as much care to ensure a solid business and legal relationship, contractors put their customers, their business, and themselves at great risk of failure. This article reviews the financial, insurance, entity, and contractual guidelines contractors need to consider.
INDEPENDENT CONTRACTORS ATTRACT INCREASED SCRUTINY
Government agencies, running record deficits, look to companies' use of independent contractors as a source for increasing revenues. Business sees independent contractors as providing much needed staffing flexibility. Taxing agencies consider independent contractors as tax cheats and force business owners to become enforcers of government tax policy. This article explores the criteria businesses need to follow to avoid a finding that your independent contractors are actually employees resulting in assessments for past taxes, penalties, and interest.
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