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GreenBusinessWomen.com offers networking, information, vendor opportunities, support, and contacts. We are dedicated to connecting green business women with one another.

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Long gone are the days when a smile and a handshake would suffice to cement a business partnership, customers could be counted on to give you a chance to amicably resolve a dispute (rather than heading straight to a lawyer), and people knew that coffee was hot (without a warning label to tell them so). The truth is that we live in a society where plenty of people are out to make a quick buck, and they're looking for ways to squeeze that dollar out of your business over any misstep (actual or perceived). So when it comes to the issue of liability you need to make sure that your small business is protected. And here are just a few things you should know.

For starters, liability is not something that only high-risk businesses have to worry about. Sure, you should get yourself a beefy insurance policy if you run a sky-diving operation, you teach swimming lessons at your house, or you supply firearms for movie sets. But what if you are a freelance writer or graphic designer working out of your house? What if you are a craftsperson selling your one-of-a-kind wares on Etsy? Or what if you recently opened your own independent bakery? Do you face the same liabilities as higher-risk businesses? And should you shell out major money for liability insurance?

In truth, you probably don't need the same level of coverage as those who take the lives of their customers into their hands each and every day with high-risk services (or potentially harmful goods). But that doesn't mean you can ignore issues of liability altogether. You could still be at fault for all manner of incidents, and even if you aren't to blame, that doesn't mean customers, clients, and business partners can't file suit against you in the hopes that a judge or jury will find in their favor regardless (welcome to our jacked-up legal system). So do you need to protect yourself? YES!

Okay, so the next pertinent question is how to go about doing so. The first step you need to take is forming a corporation. Most commonly, small business owners opt to create an LLC (or limited liability corporation). This will protect your personal assets from coming under attack in the event that your business faces a lawsuit. All debts, including payouts associated with legal liability issues, are the sole responsibility of the corporation, which means that your personal assets (your home, for example) cannot be seized in order to pay these debts. Only your business holdings are at stake.

But you should also consider liability insurance (you may want to start by checking out a website like Publicliabilityinsurance.org - online quotes are easy to obtain and you'll find tons of information to help you decide which policies will best suit your business). If you operate a storefront or some kind of physical location (warehouse, office building, etc.) you should get general liability insurance at the very minimum to cover accident, injury, and issues of non-payment (amongst other common claims). And if you sell goods you might want to consider product liability insurance to cover faulty merchandise. But professional liability insurance will go the extra mile, covering errors, negligence, and other types of malpractice. You might not need all of these policies to protect you, but you'll no doubt figure out which ones apply to your particular small business.





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When you think about pollution, you probably picture the carbon emissions spewing from cars and factories to create the smog that notoriously blankets major urban centers. Or you might call to mind the run-off from mining operations or the chemical spray of crop dusters. But there are many forms of pollution, and e-waste has been identified as one of the fastest rising components of solid waste in landfills. You might wonder how this fits in with pollution; after all, the plastic and glass that make up electronics will just sit there forever, right? Although it will take these items quite a while to decompose, the problem is that they are filled with hazardous materials that may seep out much sooner, from metallic elements like lead, mercury, and chromium to toxic chemical flame retardants. So you can see how dumping your old computers in a field somewhere could pose a serious problem.

When responsible businesses choose to recycle these used electronics, there are many benefits to both the earth and the company itself. The most obvious boon is that the hazardous materials contained within computers will not seep into the air, the soil, and the supply of clean water. The toxic chemicals they contain can be safely removed and either recycled for future usage or properly disposed of. In addition, there are many materials commonly found in computers that are eminently reusable, including natural resources like gold, silver, and copper, as well as some plastics. When these parts are recycled and reused, it means that less waste is clogging up our landfills and that new manufacturing (with its attendant pollution and waste) is less necessary.

Of course, there are other good reasons to recycle old computers, as well, especially if they are in working order. The company that wisely disposes of their equipment through resale or donation could avoid any costs associated with the recycling process. While many trash companies will charge for massive amounts of e-waste recycling (resulting from a complete system overhaul for a large office facility, for example), you might actually be able to make some money here rather than spending it. You may opt to sell your equipment to employees at a steeply discounted rate as a way to remove it from the premises without having to pay for pickup and disposal. Your staff will get a great deal on computer equipment that was likely top notch just a couple of years ago (and potentially better than what they have at home) and your company coffers will see a credit instead of a debit.

Another option is to donate them to a charitable organization or a public school. This way, your old computers can find a new home, help some people in need, and virtually enjoy a second life away from the landfill. As a bonus, your company can claim the donation as a tax write-off, hopefully saving you some money in the long run. It might not be enough to cover the cost of your system upgrade or even pay for a month of your Sky Broadband service, but it's certainly better than paying for e-waste disposal.




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Identity Theft, by Rosie O'Beirne

Michael Fertik, a internet entrepreneur and founder of Reputation.com, has a passion for helping businesses and consumers control their online lives. You'd be amazed at what can be found on the internet: your name and birthday, your address and mortgage payment amount, your children's names, and more.

"Scammers, stalkers and identity thieves prey on private data. Equally harmful are things we call negative content — a bad review of your business, a nasty comment on Facebook, an article about something from your past that’s simply irrelevant now — that could damage your personal life or your livelihood." - Reputation.com

If you're online, you're posting to social media, commenting on blogs, sharing links, or uploading pictures. Consider taking these five main steps to safeguard your online "persona":

1. Oncer you're finished, always LOGOUT of whatever tools you're using.

2. Never post banking or financial details that can be used to identify you, as much as possible. Talk to your bank over the phone if you receive a suspicious e-mail. Never post your date of birth or address in a public profile -- it's usually not needed.

3. Only "connect" or "accept friend requests" from people that you know well and with whom you feel comfortable sharing information. Depending on privacy settings, people who are mutual friends to you may also be able to see your posts, so consider being very conservative about who is in your "circle".

4. Photos or video of you in an illegal, embarrassing, naked, drunk, or some other compromised situation shouldn't get "out" into the wild. It helps if you are never in a situation where this media would be captured, either by you or someone else!

5. All your social media posts and almost anything you post online could feasibly be used against you. Consider toning down your posts and providing less personal information, simply for the sake of greater privacy.
 

The experts like Michael Fertik, who co-authored Wild West 2.0 (Amacom, 2010) and contributes at BusinessWeek about reputation management, can give you even more advice.

Photo http://www.flickr.com/photos/rosieobeirne/4090198632/sizes/m/in/photostr...





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You not only work hard to ensure that you do less harm to the environment through the operation of your business venture, but you also strive to take eco-friendly strides in your personal life. However, taking on a green attitude can sometimes feel like going on a diet, and not the type where you simply cut back, but the kind where you have to deprive yourself of things you love in order to adopt a healthier lifestyle. Some people go for the "everything in moderation" mentality, which allows for life changes with a lot less stress. But if you have decided to take a hardline stance when it comes to the environment, you might find that you are out of luck when it comes to many activities that you used to enjoy. So here are just a few fun diversions that will let you blow off some steam without emitting any harmful toxins into the atmosphere in the process.

Now, when you think of games, the activities that come to mind are likely things like Monopoly or softball. But you don't have to support the type of mass manufacturing that goes into making board games (or the animal products needed to create sporting goods) in order to have a good time. For one thing, nearly every sport has products made from alternative materials (footballs haven't been made from a pig's bladder for centuries). But you may not want to support the type of plastic and rubber manufacturing that goes into creating these newer items. Luckily, there are tons of outlets geared towards giving used sporting equipment a second life (like "Play it Again Sports" type places). So if you're into outdoor games like softball, soccer, or roller hockey, you can find all the gear you need without having to support new production.

But what if you're not exactly an outdoor enthusiast? If your idea of a good time doesn't revolve around chasing a ball and getting sweaty, there are other options for eco-friendly diversions. One that requires no equipment (aside from your imagination) is charades. Although you can't play it on your own, it works just as well with two people or ten. And you can find ways to green up a board game you like by making your own eco-friendly version. Pictionary, for example, can easily be made more Earth-friendly by using recycled paper or even downloading a drawing app on your iPad. Of course, you can also look for games that are made in an environmentally conscious manner, like Bioviva (ages 8 to adult), which is manufactured with recycled materials and printed with vegetable-based inks.

In all honesty, though, nearly any type of game can be made more eco-friendly if you simply purchase the pieces second-hand. For example, you don't need to join a cue club and hit up billiard halls that use a ton of energy. If you love pool games you can look on Craigslist for an antique billiards table, balls, and cues. Do you love video games but hate all the electricity needed to run your TV and game console? Switch it up with an old-school pinball machine. You might have to get creative in order to have some eco-friendly fun, but there are tons of options for the greenie on the prowl for a new way to play.




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Women's Roundtable, by Department for Communities and Local Government

The organic market in the United States is growing exponentially. With such an uptick in sales and with more and more consumer understanding of the benefits of natural, green, organic, sustainably-created, values-oriented brands, there is of course a rush by more established or "mass-market" brands to join this market.

Companies that we know and love like Honest Tea, Organic Valley, and Method, as well as emerging brands with a strong local focus like Bearded Brothers snack foods and Soulstice Spa nail polish, are competing for the consumer's attention.

What can a green businesswomen do, when either stocking shelves, finding new products to highlight, or choosing a supplier?

Here are some ways to work with an "authentic" brand.

 

1) Check the mission statement.

Many of the companies in the green space will have a mission, vision, and values statement. Examine it and make sure it fits your own values.

 

2) Organic certification.

There will be a certification badge from a third-party authority. USDA is the most common but you can also trust certifications like Oregon Tilth or Certified Naturally Grown.

 

3) Third party assessments.

B Corporation status, 1% for the Planet, Greennii, Green America, and many Green Chambers of Commerce offer an exterrnal asssesment process to  make sure a company is keeping on track with environmental sustainability recommendations.

 

4) Find out the owner.

A small, locally-owned, mom-and-pop type business is very different than one owned by a Fortune 500 company. Find out the primary owner of the business: you may be surprised!

 

5) Charitable and community outreach.

What kind of outreach does the company do to help the green and sustainable movement? Who are their charitable partners? Reviewing their corporate social responsibility plan or there existing philanthropic efforts (both as a company and by the owners/founders) will give you a good sense If it makes sense to ally yourself with this company.

 

With the multitude of providers out there, I do recommend you to find a local company, run by another "green woman in business" who shares your values. I encourage you to review the GreenBusinessWomen website and submit your own business if you match our vision and values.

Or check our Member Directory to do business with someone in your local community.

 

Photo by http://www.flickr.com/photos/communitiesuk/5550680634/sizes/z/in/photost...




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Panama Canal, by DoctorWho

Organic, green, and clean are here to stay. In the 2012 Organic Industry Survey, the Organic Trade Association reports that in 2011, the United States organic industry alone reached $31 billion in sales. However, not all green, organic, and holistic products are manufactured directly in the United States. For some products, the cost of creation is more efficient when processed in a facility out of state or out of the region; alternatively, offshore company formation may make sense for tax purposes, privacy purposes, or other shareholder needs.

Here are four main steps to review when checking the status of an exterior company in an offshore financial center: 

1) Stability of the market?
How is the country governed - is it a democracy? does it have elections? What is the history of civil unrest or potential for difficulty in the country? Choose a country with a history of continuity, security, and stability.

2) Economic outlook?
What is the credit rating for the sovereign nation? Is it an "investment grade" country that you or your investors feel secure putting your money into? How is the banking infrastructure? What is the current Gross Domestic Product of the country? Do they have a recent history of growing trade, both importing and exporting goods?

3) Language needs?
If you are a native English speaker, some English-speaking options are Panama City, the Philippines, India, and some Caribbean nations. Consider language needs and communication requirements between you and your local liaison. Make sure that there is adequate trained staff in the country you're reviewing.

4) Cultural needs?
Consider cultural factors: does your executive team and your offshore team feel comfortable interacting with each other? Some gender, age, sexual preference, and other societal norms may be troubling or too "different," depending on the country.

For green businesses, there is a pressing need to develop a good product or service and get it to the LOHAS market in an efficient and expeditious way.

While not a good solution for everyone, the ability to offshore all or some of your company's needs may be one that's worth reviewing.

 

 

Photo by http://www.flickr.com/photos/86931652@N00/4332574434/sizes/m/in/photostr...





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For the women who have found ways to go green in every aspect of life, it is only natural to want to show the Earth a little love while searching for a soul-mate. But dating has not traditionally been an eco-friendly sport. It seems like potential mates will go to all kinds of extreme lengths to get the attention of the fairer sex, and that often bodes ill for the planet, what with newly-manufactured outfits, gas-guzzling sports cars, coastal foods shipped to inland areas, and in rare cases a jet escort to another city to see an opera, complete with a diamond-studded necklace that probably funded a foreign war (okay, maybe that last one is only in the movies). The point is, you don't want your love affair ruined by a guilty conscience because you destroyed the planet in the process.

Here are a few eco-friendly dating tips to begin your romance on the right foot.

For starters you can seek your loving companion in an eco-friendly forum. Believe it or not, there are actually dating websites (like Green Singles, Planet Earth Singles, and Green Passions) that are geared towards helping those who love sustainability, conservation, waste reduction, alternative energy, electric cars, hugging trees, swimming with dolphins, ninjas, and I swear to god some of these things are actually on their sites - I'm not just being cheeky. Like most other types of dating sites, some are free, others will cost you, and most are split between limited free options and "premium" memberships that actually allow you to interact. But one thing is certain; they will help you find others who would also like to find love in a hopeful place (like a planet that will still be viable when they have children).

From there you just have to think about how you can reduce your carbon footprint while you're looking for your one and only. And there are plenty of options here. If dinner and a movie are on the menu, consider seeking out restaurants in your area that share your mission to do less harm. If you live in a small city you'll be lucky to find a vegetarian option, but you might have better luck than most locating an establishment that uses locally sourced produce and animal products (depending if either or both are prevalent nearby). Those who live in larger urban areas should have an easier time locating green cookeries such as vegan and/or organic restaurants. Plus, you can ride over on your bicycle (built for two), take the Leaf for a spin, or even utilize public transportation to cut carbon emissions.

Now it's on to the movies, and sadly it's not so easy to go green here. If you want a nature show you could always watch the sunset, do a little star gazing, or stroll by the lake under the light of the pale, yellow moon. But if you've got your heart set on seeing a flick, the greenest option is probably to set your laptop on energy-conservation mode and cuddle up on the couch. The theater is not a friend to the eco movement, what with the lights, electronics, and air conditioning. But the green couple on the prowl for entertainment can likely find something to keep them busy that requires no electronics or lights (ahem - don't forget the lambskin). And before you know it, you'll be hearing wedding bells while all the fuel-consuming Earth-killers are seeking divorce Austin to Atlanta.


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