色播五月色五月开心五月险企竞争力排行榜出炉:安邦人寿骤降 太保寿重回第3

發布時間︰

  “紅袖以後想要嫁一個什麼樣的夫婿啊?”紅袖第三次從他面前走過的時候,雲瑯忍不住問道。   “好惡心的朋友!”甦稚朝後揮揮小手就繼續騎著大公鹿去了泉水邊。色播五月   田野里的糧食,菜圃里的蔬菜,雞圈里的家禽,山坡上的牛羊,以及一群勤勞的人組成了一個完整的家。色五月   “咦?霍去病跟李敢?”雲瑯不由得放下了手里的雞腿。   “嘖嘖,人陰損到你這個地步也真是難得啊,一個小小的潑皮,看不順眼,殺了也就殺了,到時候官府問起來就說是我長門宮讓殺的。自己沒膽子殺人,卻想著法的算計人,你的那一套我剛才听得真切,每一條,每一款都是殺人不見血的刀。如此長久的下去,老夫若是郭解,寧願被千刀萬剮也不干這樣的事情。听你的意思,以後的聖人只能每日里吃粗糧水煮菜,不得見一點葷腥,還要戒殺生,戒偷盜,戒色欲,戒妄語,戒飲酒,戒著香華,戒坐臥高廣大床,戒非時食。還要見孤苦而自憐,見罪惡而挺身,見非禮而告誡眾人……雲瑯,郭解與其做你口中的聖人,不如挖一個坑把自己埋掉算了。”开心五月   喝完水,就用水壺里的水幫曹襄清洗傷腳,他的傷看起來嚇人,其實不過是皮外傷,雲瑯取過金瘡藥倒在他的腳底板上,就迅速的用老虎帶來的繃帶幫曹襄裹傷。

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

How a chart of accounts should be designed for hybrid erp small

Read next:

How your chart of accounts should be designed for hybrid ERP software

i