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#access to capital for small businesses
*If firms have to pay more for inputs, we will have to reduce cost of capital
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==Minimum wage criteria==
[[Image:Screen Shot 2016-02-08 at 3.15.27 PM.png|400px|thumb|left]]
*'''Very small businesses''': Only applies to employees of enterprises that have annual gross volume of sales or business done of at least $500,000 and haven't done business across state lines.
===Increase minimum Minimum wage?debate===[[Image:Screen Shot 2016-02-08 at 3.21.42 PM.png|400px175px|thumb|leftright]]
*Nonpartisan Congressional Budget Office compares trade-offs:
**Compared raising the minimum wage to $10.10 and to $9.00. Under the '''$10.10 scenario, there would likely be a reduction of about 500,000 workers across the labor market, as businesses shed jobs, but about 16.5 million low-wage workers would see substantial gains in their earnings in an average week.''' Under the '''$9.00 scenario, the labor force would see a reduction of 100,000 jobs, but an estimated 7.6 million low-wage workers would see a boost in their weekly earnings'''. [http://www.cbo.gov/sites/default/files/cbofiles/attachments/44995-MinimumWage.pdf (CBO)]
*Some experts say that '''looking to lower health-care costs significantly isn't realistic for many firms''' and that slowing increases is more realistic. [http://www.cnbc.com/2015/01/08/5-smart-ways-small-firms-can-slash-health-care-costs.html (CNBC)]
**"Reducing your cost over time from one year to the next is probably an unrealistic standard. A company that is keeping its benefits costs in line with its compensation costs is probably doing exactly right." -Alan Cohen, chief strategy officer and co-founder of Liazon
[[Image:Screen Shot 2016-02-08 at 3.33.04 PM.png|700px|thumb|left]]
===Ways small businesses can save on healthcare===
Following information from [http://www.cnbc.com/2015/01/08/5-smart-ways-small-firms-can-slash-health-care-costs.html (CNBC)] unless otherwise noted.
====Negotiate private plans====
*Some private insurance premiums are negotiable, especially in the 50-99 employee range.
==Raising capital; Debt and small business==
[[Image:Screen Shot 2016-02-08 at 3.25.48 PM.png|500px|thumb|left|[http://newsroom.bankofamerica.com/sites/bankofamerica.newshq.businesswire.com/files/press_kit/additional/Fall_2014_Bank_of_America_Small_Business_Owner_Report.pdf Bank of America survey] on funding sources for small businesses]]
*Only 29 percent of small business owners said they’ve applied for a business loan over the last two years. [http://newsroom.bankofamerica.com/sites/bankofamerica.newshq.businesswire.com/files/press_kit/additional/Fall_2014_Bank_of_America_Small_Business_Owner_Report.pdf (Bank of America)]
**90% of those who applied were approved
