Yesterday I gave a presentation in LA to Marty Keller’s Small Business Advocates Advisory Committee.
While there we heard a presentation by the Mayor’s office [the Mayor attended the meeting] about the changes they are making to be more small business friendly. I found it refreshing to hear that LA has instituted a policy of recognizing small business as their customers.
They said they have instituted a policy of not saying no. When questioned their answers now are 'yes' and 'yes we will look into it'. They also have told their staff that they need to make 5 cold calls a week to understand how they can better serve small business.
For those of you in LA have you noticed a difference?
For those of you outside LA does your City or County have any process to address small business concerns?
I have asked and Marty has agreed to coordinate what Cities and Counties are doing and see if there can be some communication between these different entities. For Example SF has a Small Business Commission and apparently Sacramento has something.
They, in my mind, should be talking to each other and developing best practices. There used to be something in San Jose and San Diego. For those of you in those Cities does something like this still exist?
As I indicated in a previous email Small Business California is looking for examples of burdensome regulations.
We now have put the responses on our website. You can view those by going to www.smallbusinesscalifonia.org.
We need more examples. Please send those to me.
You might also want to think about the permit process in your area. Are you required to get multiple permits and file multiple forms to comply.
Wouldn’t it be great if a One Stop permit process could be developed that would streamline this whole process?
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Wednesday, April 27, 2011
Wednesday, April 20, 2011
Please see below information on SBA budget. This is good news given the pressure to cut spending in Washington.
S.B.A. Spared in Congress 2011 Spending Deal
While many federal agencies will take a haircut in the spending bill negotiated recently between Senate Democrats and House Republicans — total nonmilitary discretionary spending will be cut by 7 to 8 percent from 2010 levels — the Small Business Administration has emerged from the negotiations largely intact.
The bill trims 0.2 percent from every nonmilitary discretionary account, including those that finance the S.B.A. But it also aims at specific programs with deeper cuts, and here the S.B.A. was effectively spared. In February, the House voted to cut $25 million, or about 6 percent, from the agency’s 2011 salaries and expenses budget, which pays for much of its small-business mission, including the counseling grants that the agency passes on to other organizations (such as Score and the small business development centers). In the end, however, House and Senate negotiators restored the appropriation to $433 million. The business loan guarantee programs are financed through a separate account, which also retained its 2010 funding of $236 million.
There is a bill in Sacramento SB 776 sponsored by the California Federation of Labor, the Building Trades and the California Manufacturing and Technology Association which requires that 50% of the Workforce Investment Act funds go directly to into workforce training . According to the California Workforce Association who opposes the bill this would force closure of about 30% of the career centers. Do any of you use the Career Centers? How effective are they? What do you think about this legislation.
It is required that 25% of state contracts go to small business. I have been asked if I would be interested in testifying on the cumulative economic impacts of small business in obtaining these contracts. Some background on this in 2004 the Schwarzenegger administration launched its Strategic Source initiative, and effort to leverage California purchasing power through large statewide contracts for items such as office products and other commodities The savings according to some sources was $160 million. Many of these contracts were taken away from small business. Please note 18% of the states contracts are Strategic Sourcing. What are your thoughts
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
S.B.A. Spared in Congress 2011 Spending Deal
While many federal agencies will take a haircut in the spending bill negotiated recently between Senate Democrats and House Republicans — total nonmilitary discretionary spending will be cut by 7 to 8 percent from 2010 levels — the Small Business Administration has emerged from the negotiations largely intact.
The bill trims 0.2 percent from every nonmilitary discretionary account, including those that finance the S.B.A. But it also aims at specific programs with deeper cuts, and here the S.B.A. was effectively spared. In February, the House voted to cut $25 million, or about 6 percent, from the agency’s 2011 salaries and expenses budget, which pays for much of its small-business mission, including the counseling grants that the agency passes on to other organizations (such as Score and the small business development centers). In the end, however, House and Senate negotiators restored the appropriation to $433 million. The business loan guarantee programs are financed through a separate account, which also retained its 2010 funding of $236 million.
There is a bill in Sacramento SB 776 sponsored by the California Federation of Labor, the Building Trades and the California Manufacturing and Technology Association which requires that 50% of the Workforce Investment Act funds go directly to into workforce training . According to the California Workforce Association who opposes the bill this would force closure of about 30% of the career centers. Do any of you use the Career Centers? How effective are they? What do you think about this legislation.
It is required that 25% of state contracts go to small business. I have been asked if I would be interested in testifying on the cumulative economic impacts of small business in obtaining these contracts. Some background on this in 2004 the Schwarzenegger administration launched its Strategic Source initiative, and effort to leverage California purchasing power through large statewide contracts for items such as office products and other commodities The savings according to some sources was $160 million. Many of these contracts were taken away from small business. Please note 18% of the states contracts are Strategic Sourcing. What are your thoughts
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Monday, April 18, 2011
California Regulations
There seems to be a lot of interest in doing a couple of conferences with small businesses on regulations.
While not finalized we are thinking of doing one in Southern California and one in Northern California.
The goal is put together a White Paper on this subject and present it to the Governor and Legislature.
I am going to add as section to our website listing burdensome regulations for small business. I would appreciate you sending to me what is burdensome for your business.
Please see below what is for me very difficult if not impossible for me in my business.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
The DMV is now auditing agents and brokers for this information. It is a summary of a 53 page handbook and list the requirements of agents and brokers because we obtain drivers license information.
• What privacy policies has the organization established with respect to the collection, use, and retention of DMV information?
• Do you have a written information security program or policy? If yes, please provide a copy of the policy.
• Identify the locations, systems, and methods for storing, processing, transmitting, and disposing of DMV information
• Please describe your procedures in the event of a security breach.
• How are employees with access to DMV information trained in privacy protection?
• Do you maintain an Information Security Statement (DMV Form INF 1128) for each employee authorized to access DMV records (If yes, please provide us with copies of these statements).
• Do you have a list of inactive or terminated employees that had access? (If applicable, please provide us with a copy of this listing).
• How many computer terminals are capable of making inquiries? Where are they located? Are the terminals secured when unattended? Explain how they are secured.
• Your terminals that access DMV records should display a “warning banner” containing some variation of the following admonishment: “WARNING: Unauthorized access or misuse of data may result in adverse action and/or criminal prosecution.” Does this banner display?
• Do you keep a log of all inquiries made? If yes, provide log.
• Describe access controls on computer systems containing DMV information to prevent access by unauthorized staff or other individuals.
• How often are passwords required to be changed? How are password changes initiated?
The questionnaire further requires the agency to provide a copy of the agency’s Requesters Information Security Program or Policy, Information Security Statements for the past two years, a list of inactive or terminated employees, a list of current authorized users, a list of current user terminals, and an inquiry log for inquiries processed in April 2008.
While not finalized we are thinking of doing one in Southern California and one in Northern California.
The goal is put together a White Paper on this subject and present it to the Governor and Legislature.
I am going to add as section to our website listing burdensome regulations for small business. I would appreciate you sending to me what is burdensome for your business.
Please see below what is for me very difficult if not impossible for me in my business.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
The DMV is now auditing agents and brokers for this information. It is a summary of a 53 page handbook and list the requirements of agents and brokers because we obtain drivers license information.
• What privacy policies has the organization established with respect to the collection, use, and retention of DMV information?
• Do you have a written information security program or policy? If yes, please provide a copy of the policy.
• Identify the locations, systems, and methods for storing, processing, transmitting, and disposing of DMV information
• Please describe your procedures in the event of a security breach.
• How are employees with access to DMV information trained in privacy protection?
• Do you maintain an Information Security Statement (DMV Form INF 1128) for each employee authorized to access DMV records (If yes, please provide us with copies of these statements).
• Do you have a list of inactive or terminated employees that had access? (If applicable, please provide us with a copy of this listing).
• How many computer terminals are capable of making inquiries? Where are they located? Are the terminals secured when unattended? Explain how they are secured.
• Your terminals that access DMV records should display a “warning banner” containing some variation of the following admonishment: “WARNING: Unauthorized access or misuse of data may result in adverse action and/or criminal prosecution.” Does this banner display?
• Do you keep a log of all inquiries made? If yes, provide log.
• Describe access controls on computer systems containing DMV information to prevent access by unauthorized staff or other individuals.
• How often are passwords required to be changed? How are password changes initiated?
The questionnaire further requires the agency to provide a copy of the agency’s Requesters Information Security Program or Policy, Information Security Statements for the past two years, a list of inactive or terminated employees, a list of current authorized users, a list of current user terminals, and an inquiry log for inquiries processed in April 2008.
Update on SB 653 City and County Income Tax
Yesterday after I sent the email on Senator Steinberg's City and County Income Tax proposal, I received the 27 pages of the revised bill.
It now has been changed to allow an income tax only on individuals and not businesses. It also says the tax is only on residents and not those working in a City and County that is not their residency.
It also caps the tax at 1%.
What would you think about Small Business California along with other business organizations holding conferences in Northern and Southern California on California regulations?
We would be working with a National organization that puts on this type of conference in states around the country and the goal would be to identify problem areas and figure out ways to streamline California regulations.
This National organization can identify best practices around the country and we can then present the results to the legislature and Governor.
Thoughts?
Would you attend?
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
It now has been changed to allow an income tax only on individuals and not businesses. It also says the tax is only on residents and not those working in a City and County that is not their residency.
It also caps the tax at 1%.
What would you think about Small Business California along with other business organizations holding conferences in Northern and Southern California on California regulations?
We would be working with a National organization that puts on this type of conference in states around the country and the goal would be to identify problem areas and figure out ways to streamline California regulations.
This National organization can identify best practices around the country and we can then present the results to the legislature and Governor.
Thoughts?
Would you attend?
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
SB 653
I just found out yesterday that Senator Steinberg has introduced SB 653 which would allow Cities and Counties to put on the ballot an income tax on individuals and businesses. It would also allow them to increase vehicle license fees, alcoholic beverages cigarettes etc.
The bill started out as a two page bill and yesterday became 27 pages.
The interesting thing is that at least in SF they can put on the ballot a new tax that requires only a simple majority.
What do you think?
For more information go to www.leginfo.ca.gov
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
The bill started out as a two page bill and yesterday became 27 pages.
The interesting thing is that at least in SF they can put on the ballot a new tax that requires only a simple majority.
What do you think?
For more information go to www.leginfo.ca.gov
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Statement by President Obama on H.R. 4
It is now official 1099 repealed.
Small Business California along with other small business associations worked tirelessly to get this done.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
THE WHITE HOUSE
Office of the Press Secretary
_______________________________________________________________________________________________________________________________
FOR IMMEDIATE RELEASE
April 14, 2011
Statement by President Obama on H.R. 4
“Today, I was pleased to take another step to relieve unnecessary burdens on small businesses by signing H.R. 4 into law. Small business owners are the engine of our economy and because Democrats and Republicans worked together, we can ensure they spend their time and resources creating jobs and growing their business, not filling out more paperwork. I look forward to continuing to work with Congress to improve the tax credit policy in this legislation and I am eager to work with anyone with ideas about how we can make health care better or more affordable.”
###
Small Business California along with other small business associations worked tirelessly to get this done.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
THE WHITE HOUSE
Office of the Press Secretary
_______________________________________________________________________________________________________________________________
FOR IMMEDIATE RELEASE
April 14, 2011
Statement by President Obama on H.R. 4
“Today, I was pleased to take another step to relieve unnecessary burdens on small businesses by signing H.R. 4 into law. Small business owners are the engine of our economy and because Democrats and Republicans worked together, we can ensure they spend their time and resources creating jobs and growing their business, not filling out more paperwork. I look forward to continuing to work with Congress to improve the tax credit policy in this legislation and I am eager to work with anyone with ideas about how we can make health care better or more affordable.”
###
Sales Tax on out of State Internet Companies/SB 826
I have written about the tax on out of state Internet companies like Amazon but in the context of AB 153[Skinner].
There is a bill in the Senate SB 155 which would essentially do the same thing. The difference in the bills is that the Skinner bill revolves around nexus . That is that the affiliates for Amazon and other Internet companies would be considered having a nexus and therefore Amazon would be required to pay the tax. SB 155 does not have that provision but says:
“Any retailer that is a member of a commonly controlled group,as defined, and is a member of a combined reporting group,as defined,that includes another member of the retailer”s commonly controlled group that performs services in this state in connection with tangible personal property to be sold by the retailer. Qualifying services include, without limitation, the design and development of TPP sole by the retailer or solicitation of sales of TPP on the retailers behalf”
Bottom line both would impose a tax on out of state retailers like Amazon and Overstocks.
Small Business California supports both.
Dick Durbin Senator from Illinois will be proposing an Internet tax in the Senate I believe April 15. This will be I think a long battle and may not pass so we need to focus on getting something in California.
Small Business California is sponsoring SB 826[Leno].
Yesterday the Senator introduced this bill in the Senate Labor and Industrial Relations Committee. This would impose a minimal penalty on claims administrators who do not file claims information to the Workers Compensation Information Service. Right now it is estimated that somewhere between 15% and 25% of the claims information is not being filed or filed without the proper information. This is important because workers compensation policy is determine by this information.
I am pleased to report that we were successful in getting this passed with no opposition votes. This in spite of the fact that the California Chamber of Commerce, California Manufacturers Association the California Association of Joint Powers Authority and the California Coalition on Workers Compensation had come out opposed last Friday.
We were supported by the California Labor, the Applicant Attorneys and most important an organization representing claims administrators who would be the recipient of the fines. The Insurance company association did not oppose.
While we have not completed our discussion with the opposition groups they backed off their opposition awaiting the results of a compromise of the specifics of how the fines would be levied. It is our position that we do not want this to be punitive and are not interested in technical violations we just want to have good data. For your information the fines were $100 for a violation up to a maximum of $5000 a year.
Thank you Senator Leno.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
There is a bill in the Senate SB 155 which would essentially do the same thing. The difference in the bills is that the Skinner bill revolves around nexus . That is that the affiliates for Amazon and other Internet companies would be considered having a nexus and therefore Amazon would be required to pay the tax. SB 155 does not have that provision but says:
“Any retailer that is a member of a commonly controlled group,as defined, and is a member of a combined reporting group,as defined,that includes another member of the retailer”s commonly controlled group that performs services in this state in connection with tangible personal property to be sold by the retailer. Qualifying services include, without limitation, the design and development of TPP sole by the retailer or solicitation of sales of TPP on the retailers behalf”
Bottom line both would impose a tax on out of state retailers like Amazon and Overstocks.
Small Business California supports both.
Dick Durbin Senator from Illinois will be proposing an Internet tax in the Senate I believe April 15. This will be I think a long battle and may not pass so we need to focus on getting something in California.
Small Business California is sponsoring SB 826[Leno].
Yesterday the Senator introduced this bill in the Senate Labor and Industrial Relations Committee. This would impose a minimal penalty on claims administrators who do not file claims information to the Workers Compensation Information Service. Right now it is estimated that somewhere between 15% and 25% of the claims information is not being filed or filed without the proper information. This is important because workers compensation policy is determine by this information.
I am pleased to report that we were successful in getting this passed with no opposition votes. This in spite of the fact that the California Chamber of Commerce, California Manufacturers Association the California Association of Joint Powers Authority and the California Coalition on Workers Compensation had come out opposed last Friday.
We were supported by the California Labor, the Applicant Attorneys and most important an organization representing claims administrators who would be the recipient of the fines. The Insurance company association did not oppose.
While we have not completed our discussion with the opposition groups they backed off their opposition awaiting the results of a compromise of the specifics of how the fines would be levied. It is our position that we do not want this to be punitive and are not interested in technical violations we just want to have good data. For your information the fines were $100 for a violation up to a maximum of $5000 a year.
Thank you Senator Leno.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Friday, April 08, 2011
AB 153 Internet Sales Tax/ Economic Impact Report for Superstores SB496/ Volunteers In Medicine
It has just been brought to my attention that AB 153[Skinner] which would require out of state Internet companies like Amazon and Overstocks to collect sales tax at the point of purchase has been taken out of suspense and will be coming before the Assembly Appropriations committee.
This was heard a while back and the vote was 5 to 2 but did not have a majority and went into suspense. This is a very important bill for brick and mortar stores in California and for all small businesses in California because of the record keeping involved in tracking your current purchases.
This week SB 496[Vargas] was heard in the Senate Government & Finance Committee and Small Business California was the lead in testimony support of the bill . This would require on Superstores of 90000 square feet and who’s sales are over 10% of nontaxable goods to do an economic impact report before receiving their permit. The local government jurisdiction would chose the party doing the economic impact report. The bill passed 6 to 3.
Small Business California was responsible for this latter requirement and strongly supports this bill. It will now go to Senate Committee on Environmental Quality.
You all know of my involvement with Volunteers in Medicine and Clinic by the Bay a VIM clinic in San Francisco. VIM takes retired doctors, nurses and lay volunteers who provide free health services to the working uninsured. We do not take any government money.
VIM recently did a survey of their 84 clinics around the country and while certainly not scientific came up with the following information. 67% of the clinics responded.
Obviously we did some extrapolation not having all clinics respond but we came up with the following numbers.
VIM clinics provided health care services to 96,142 friends and neighbors[ patients] with 350,108 patient visits.
The average cost of a patient visits was $76 and per patient $274
!0785 individuals volunteered their time.4852 were medical volunteers and 5933 were non medical.
The 96,142 patients served represents an 18% increase from 2009.
In these difficult times there are a lot of good things happening in our country and I think VIM is just one example.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
This was heard a while back and the vote was 5 to 2 but did not have a majority and went into suspense. This is a very important bill for brick and mortar stores in California and for all small businesses in California because of the record keeping involved in tracking your current purchases.
This week SB 496[Vargas] was heard in the Senate Government & Finance Committee and Small Business California was the lead in testimony support of the bill . This would require on Superstores of 90000 square feet and who’s sales are over 10% of nontaxable goods to do an economic impact report before receiving their permit. The local government jurisdiction would chose the party doing the economic impact report. The bill passed 6 to 3.
Small Business California was responsible for this latter requirement and strongly supports this bill. It will now go to Senate Committee on Environmental Quality.
You all know of my involvement with Volunteers in Medicine and Clinic by the Bay a VIM clinic in San Francisco. VIM takes retired doctors, nurses and lay volunteers who provide free health services to the working uninsured. We do not take any government money.
VIM recently did a survey of their 84 clinics around the country and while certainly not scientific came up with the following information. 67% of the clinics responded.
Obviously we did some extrapolation not having all clinics respond but we came up with the following numbers.
VIM clinics provided health care services to 96,142 friends and neighbors[ patients] with 350,108 patient visits.
The average cost of a patient visits was $76 and per patient $274
!0785 individuals volunteered their time.4852 were medical volunteers and 5933 were non medical.
The 96,142 patients served represents an 18% increase from 2009.
In these difficult times there are a lot of good things happening in our country and I think VIM is just one example.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Tuesday, April 05, 2011
Breaking News HR 4 Passes
Well ---
Small business has prevailed in that this morning the Senate passed HR 4 eliminating the 1099 requirement under the Presidents health bill. It will now go to the President and he will sign it.
Senators Boxer and Feinstein both voted in support of this.
It has been almost a year since we started our battle to get this repealed. This is a real testimony of what small businesses around the country can do when we speak with a unified voice.
Thank you to all that sent letters on this.
We also need to thank Senators Feinstein and Boxer for their support. Thank you Senators.
A special thanks to Congressman Lungren for carrying this bill.It took a lot of effort on his behalf to see this through.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Small business has prevailed in that this morning the Senate passed HR 4 eliminating the 1099 requirement under the Presidents health bill. It will now go to the President and he will sign it.
Senators Boxer and Feinstein both voted in support of this.
It has been almost a year since we started our battle to get this repealed. This is a real testimony of what small businesses around the country can do when we speak with a unified voice.
Thank you to all that sent letters on this.
We also need to thank Senators Feinstein and Boxer for their support. Thank you Senators.
A special thanks to Congressman Lungren for carrying this bill.It took a lot of effort on his behalf to see this through.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Monday, April 04, 2011
Vote on HR 4 (1099 requirement)/Recommended Workers Comp Increase
An interesting development in Washington Friday.
Senator Reid called for a vote on HR 4 which would repeal the 1099 requirement that was part of the Presidents health bill. The vote will be this week and we are cautiously optimistic it will pass. There is an amendment which is expected to fail and then the House bill will be taken up.
It takes 60 votes for passage.
I have been in contact with Senator Feinstein and Boxers office. I did not hear back from Senator Boxer and Senator Feinstein's office said the Senator had not decided but that she strongly wants to eliminate the 1099 requirement for small business. Senator Boxer has made similar comments
Please send me a return email asking Senators Feinstein and Boxer to support HR4. I will forward to their offices.
In California a committee of the Workers Compensation Insurance Rating Bureau recommended a 39.8% increase in pure premium rates effective July 1. This will now go to the full board and then the Insurance Commissioner. The recommendation of the Insurance Commissioner is not binding on the insurance companies.
This number is a little deceptive because it includes State Fund who controls 18% of the market and had a combined loss ratio of over 160% in 2010. Also there are companies making money in workers compensation.
Small Business California will be watching this closely.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Senator Reid called for a vote on HR 4 which would repeal the 1099 requirement that was part of the Presidents health bill. The vote will be this week and we are cautiously optimistic it will pass. There is an amendment which is expected to fail and then the House bill will be taken up.
It takes 60 votes for passage.
I have been in contact with Senator Feinstein and Boxers office. I did not hear back from Senator Boxer and Senator Feinstein's office said the Senator had not decided but that she strongly wants to eliminate the 1099 requirement for small business. Senator Boxer has made similar comments
Please send me a return email asking Senators Feinstein and Boxer to support HR4. I will forward to their offices.
In California a committee of the Workers Compensation Insurance Rating Bureau recommended a 39.8% increase in pure premium rates effective July 1. This will now go to the full board and then the Insurance Commissioner. The recommendation of the Insurance Commissioner is not binding on the insurance companies.
This number is a little deceptive because it includes State Fund who controls 18% of the market and had a combined loss ratio of over 160% in 2010. Also there are companies making money in workers compensation.
Small Business California will be watching this closely.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Friday, April 01, 2011
Paid Sick Leave/ SB 469/AB 52
Yesterday two board members and myself along with the SF Chamber met with Fiona Ma on AB400 paid sick leave.
We discussed the numerous problems for business and it does seem as though she is willing to make some amendments.
The thing though that is probably going to stop the bill from going beyond the Appropriations Committee is that the cost to the state for the In Home Supportive Services is going to cost over $50 million dollars to the state and will cost counties about $27 million.
In this time of budget short falls the legislature is not interested in additional expenses.
Small Business California will continue to monitor this and will let you know if something changes.
Yesterday SB Cal file its letter of support for AB 469 [Vargas]. This bill will require superstores with 90000 square or more and sales with 10% or more in nontaxable sales to obtain an economic impact report and community impact report before receiving a permit.
Small Business California was able to get an amendment on the original bill to allow the governmental jurisdiction to choose who does the economic impact report. We believe this makes sense as the community these superstores are being located in should know the economic impacts and how these stores will affect existing businesses.
It should be noted this is not a measure to stop all superstores. In fact I have been told in Maine where a similar requirement applies the first three economic impact reports were such that the superstores were approved.
We continue to monitor AB 52 [Feuer] which would give authority to the Insurance Commissioner and the Department of Managed Care the ability to regulate health insurance rates when they are excessive. The problem however is in the details and determining what is excessive. It seems to me that there needs to be some objective criteria that prevents politics [as if this is possible] from being a factor in the decision.
Some of you may not know that when Proposition 103 was passed we changed from a file and use state to a prior approval state for most property and casualty insurance. The exception was workers compensation. Health insurance was not part of Prop 103. Quite frankly this seems to have worked pretty well.
Do you have any ideas. It is interesting to note that Senator Feinstein came out in support of 52 yesterday.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
We discussed the numerous problems for business and it does seem as though she is willing to make some amendments.
The thing though that is probably going to stop the bill from going beyond the Appropriations Committee is that the cost to the state for the In Home Supportive Services is going to cost over $50 million dollars to the state and will cost counties about $27 million.
In this time of budget short falls the legislature is not interested in additional expenses.
Small Business California will continue to monitor this and will let you know if something changes.
Yesterday SB Cal file its letter of support for AB 469 [Vargas]. This bill will require superstores with 90000 square or more and sales with 10% or more in nontaxable sales to obtain an economic impact report and community impact report before receiving a permit.
Small Business California was able to get an amendment on the original bill to allow the governmental jurisdiction to choose who does the economic impact report. We believe this makes sense as the community these superstores are being located in should know the economic impacts and how these stores will affect existing businesses.
It should be noted this is not a measure to stop all superstores. In fact I have been told in Maine where a similar requirement applies the first three economic impact reports were such that the superstores were approved.
We continue to monitor AB 52 [Feuer] which would give authority to the Insurance Commissioner and the Department of Managed Care the ability to regulate health insurance rates when they are excessive. The problem however is in the details and determining what is excessive. It seems to me that there needs to be some objective criteria that prevents politics [as if this is possible] from being a factor in the decision.
Some of you may not know that when Proposition 103 was passed we changed from a file and use state to a prior approval state for most property and casualty insurance. The exception was workers compensation. Health insurance was not part of Prop 103. Quite frankly this seems to have worked pretty well.
Do you have any ideas. It is interesting to note that Senator Feinstein came out in support of 52 yesterday.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Thursday, March 31, 2011
FW: Hello from Prof. Sam Bornstein. Housing "Double Dip"
Do any of you have Adjustable Rate Mortgages? If so do you know when they come up?
A lot of small businesses have used their home as collateral and it is because of that a lot of small businesses will be facing foreclosure.
According to Professor Bernstein California has 60% of these ARMs and note his studies show that there are significant numbers of small businesses that are affected by this especially in the Hispanic Community. See below.
If you would like a copy of the studies please let me know.
One of the bills introduced in this session is AB 10 which increases the minimum wage to $8.50 effective 2012 and in 2012 will include a cost of living adjustment.
How do you feel about this.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
------------------------------------------
From: BornsteinSong@aol.com [mailto:BornsteinSong@aol.com]
Sent: Thursday, March 31, 2011 7:39 AM
To: Scott Hauge
Subject: Hello from Prof. Sam Bornstein. Housing "Double Dip"
Good Morning Scott,
Re: The "double-dip" in housing and the 2nd Tsunami Wave of Foreclosures
In my Testimony before Toni's committee on May 5 and October 19, 2009, I expressed concern for California's small business at the expected 2nd Tsunami Wave of Foreclosures which will result from the Alt-A and Option ARMs resets/recasts. This wave was expected in 2011 through 2012. Well, it is now happening.
"A new industry report yesterday warned that an "enormous backlog of foreclosures" among adjustable rate mortgages, known as option ARMs, is ready to swamp the fragile housing market, where home values have continued to slide for the sixth straight month with no clear bottom in sight. Foreclosures involving ARMs have soared by 23 percent in the past six months alone -- accounting now for 18.8 percent of all foreclosure actions -- a rate higher than subprime mortgages ever reached, said Lender Processing Services, which services about half of US mortgages."
All three of my Bornstein & Song Small Business Toxic Mortgage Surveys: U.S. National (11/08), California (4/09), and California Hispanic (6/09) confirmed that a significant number of small business owners will be part of this foreclosure wave. California will be hit hardest as 60% of these Toxic Mortgages originated in California.
Let's discuss.
Be well,
Sam
Samuel D. Bornstein
Professor of Accounting and Taxation
Kean University, School of Business, Union, NJ
Partner-Bornstein & Song, CPAs & Consultants, Oakhurst, NJ
bornsteinsong@aol.com
Tel: (732) 493 - 4799
Fax: (732) 493 - 3399
A lot of small businesses have used their home as collateral and it is because of that a lot of small businesses will be facing foreclosure.
According to Professor Bernstein California has 60% of these ARMs and note his studies show that there are significant numbers of small businesses that are affected by this especially in the Hispanic Community. See below.
If you would like a copy of the studies please let me know.
One of the bills introduced in this session is AB 10 which increases the minimum wage to $8.50 effective 2012 and in 2012 will include a cost of living adjustment.
How do you feel about this.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
------------------------------------------
From: BornsteinSong@aol.com [mailto:BornsteinSong@aol.com]
Sent: Thursday, March 31, 2011 7:39 AM
To: Scott Hauge
Subject: Hello from Prof. Sam Bornstein. Housing "Double Dip"
Good Morning Scott,
Re: The "double-dip" in housing and the 2nd Tsunami Wave of Foreclosures
In my Testimony before Toni's committee on May 5 and October 19, 2009, I expressed concern for California's small business at the expected 2nd Tsunami Wave of Foreclosures which will result from the Alt-A and Option ARMs resets/recasts. This wave was expected in 2011 through 2012. Well, it is now happening.
"A new industry report yesterday warned that an "enormous backlog of foreclosures" among adjustable rate mortgages, known as option ARMs, is ready to swamp the fragile housing market, where home values have continued to slide for the sixth straight month with no clear bottom in sight. Foreclosures involving ARMs have soared by 23 percent in the past six months alone -- accounting now for 18.8 percent of all foreclosure actions -- a rate higher than subprime mortgages ever reached, said Lender Processing Services, which services about half of US mortgages."
All three of my Bornstein & Song Small Business Toxic Mortgage Surveys: U.S. National (11/08), California (4/09), and California Hispanic (6/09) confirmed that a significant number of small business owners will be part of this foreclosure wave. California will be hit hardest as 60% of these Toxic Mortgages originated in California.
Let's discuss.
Be well,
Sam
Samuel D. Bornstein
Professor of Accounting and Taxation
Kean University, School of Business, Union, NJ
Partner-Bornstein & Song, CPAs & Consultants, Oakhurst, NJ
bornsteinsong@aol.com
Tel: (732) 493 - 4799
Fax: (732) 493 - 3399
Wednesday, March 30, 2011
I received numerous responses to my email regarding AB 400 [Ma Paid Sick Leave] and the overwhelming majority of you opposed.
For those of you that said you would send letters I am holding back sending our sample letter because I will be meeting with Assemblywoman Ma on Thursday at 4:30. Attending the meeting with me is Board member Stephen Cornell and SF Chamber VP of Public Policy Jim Lazarus.
If you have not responded to the email and would like to send a letter on this please let me know and I will send you sample letter.
For details of bill go to www.leginfo.ca.gov
Small Business California will be supporting SB 823 [Corbett]. There was one Board member who voted to oppose with the rest supporting.
This bill will create a Buy California program which will be voluntary. There was one change we insisted on and that was that the company must be headquartered in California. We think that there are situations where a company is not headquartered in California but does substantial manufacturing in California and therefore should be given the ability so they so choose to be able to label themselves as part of the Buy California program. There are no state funds requested for the program.
Again for full details go to www.leginfo.ca.gov
I hope you find these emails helpful and you agree that Small Business California is providing value to the small business community of California and is representing your interest.
I would again like to point out that our lobbyist, Lori Kammerer, is doing a terrific job for us in Sacramento and attends numerous committee meetings and hearings which makes us very visible. Legislators are approaching us constantly to seek our support because of Lori’s visibility. Lori is paid for her efforts but certainly not what she is worth to the organization.
We also have a political consultant Jim Ross in SF who volunteers his time and does our press releases. All board members and myself are volunteers. I hope you feel we are representing your interest.
To those of you that have joined Small Business California thank you. For those of you that have not I hope you will consider doing so. The cost for businesses with less than $1 million in receipts is $150 a year. For those over $1 million $300. I am bias but I don’t think there is any organization in California that represents the broad interest of California small business better.
You can join On Line by going to www.smallbusinesscalifornia.org
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
For those of you that said you would send letters I am holding back sending our sample letter because I will be meeting with Assemblywoman Ma on Thursday at 4:30. Attending the meeting with me is Board member Stephen Cornell and SF Chamber VP of Public Policy Jim Lazarus.
If you have not responded to the email and would like to send a letter on this please let me know and I will send you sample letter.
For details of bill go to www.leginfo.ca.gov
Small Business California will be supporting SB 823 [Corbett]. There was one Board member who voted to oppose with the rest supporting.
This bill will create a Buy California program which will be voluntary. There was one change we insisted on and that was that the company must be headquartered in California. We think that there are situations where a company is not headquartered in California but does substantial manufacturing in California and therefore should be given the ability so they so choose to be able to label themselves as part of the Buy California program. There are no state funds requested for the program.
Again for full details go to www.leginfo.ca.gov
I hope you find these emails helpful and you agree that Small Business California is providing value to the small business community of California and is representing your interest.
I would again like to point out that our lobbyist, Lori Kammerer, is doing a terrific job for us in Sacramento and attends numerous committee meetings and hearings which makes us very visible. Legislators are approaching us constantly to seek our support because of Lori’s visibility. Lori is paid for her efforts but certainly not what she is worth to the organization.
We also have a political consultant Jim Ross in SF who volunteers his time and does our press releases. All board members and myself are volunteers. I hope you feel we are representing your interest.
To those of you that have joined Small Business California thank you. For those of you that have not I hope you will consider doing so. The cost for businesses with less than $1 million in receipts is $150 a year. For those over $1 million $300. I am bias but I don’t think there is any organization in California that represents the broad interest of California small business better.
You can join On Line by going to www.smallbusinesscalifornia.org
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Monday, March 28, 2011
AB 400/ Christine Baker Named Director of DIR
Small Business California tries to position itself as a proactive organization and I personally want to do the same.
There are times however that we just have to say no. Such is the case with AB 400[MA].
While the Board of SB Cal has not taken a formal position I fully expect we will do so this week.
AB 400 would require after 7 days of employment in a calendar year that employees will start accruing one hour of paid sick leave for every 30 hours worked. This time can be taken after 90 days of employment.
Businesses with less than 10 employees will be required to pay up to 40 hours of paid sick leave and those over 10 will be required to pay up to 72 hours.
Employers will be required to post notices of this and keep track of hours worked. They will also be required to notify employees of how much time they have available for paid sick leave.
In a time when California is looking to reduce regulatory burdens on small business it is amazing that not only has this bill been introduced but it has a good chance of passage.
For more information go to www.smallbusinesscalifornia .org If you would like to write a letter of opposition and want a sample letter please let me know.
Also let me know your zip code. I honestly believe this is the most significant bill in this session for small business and we must get our voices heard.
On the positive side our good friend Christine Baker has been named to head up the Department of Industrial Relations.
Small Business California a strong supporter of Christine and spoke out for her appointment. In our meeting with Labor Secretary Morgenstern we asked him to support her. Christine has served as the Director of the Commission on Health Safety and Workers Compensation where we have worked closely with her and Judge Lach Taylor.
Small Business California in 2008 named Christine a Small Business Hero.
Congratulations Christine and we look forward to working with you in your new position.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
415-680-2109
There are times however that we just have to say no. Such is the case with AB 400[MA].
While the Board of SB Cal has not taken a formal position I fully expect we will do so this week.
AB 400 would require after 7 days of employment in a calendar year that employees will start accruing one hour of paid sick leave for every 30 hours worked. This time can be taken after 90 days of employment.
Businesses with less than 10 employees will be required to pay up to 40 hours of paid sick leave and those over 10 will be required to pay up to 72 hours.
Employers will be required to post notices of this and keep track of hours worked. They will also be required to notify employees of how much time they have available for paid sick leave.
In a time when California is looking to reduce regulatory burdens on small business it is amazing that not only has this bill been introduced but it has a good chance of passage.
For more information go to www.smallbusinesscalifornia .org If you would like to write a letter of opposition and want a sample letter please let me know.
Also let me know your zip code. I honestly believe this is the most significant bill in this session for small business and we must get our voices heard.
On the positive side our good friend Christine Baker has been named to head up the Department of Industrial Relations.
Small Business California a strong supporter of Christine and spoke out for her appointment. In our meeting with Labor Secretary Morgenstern we asked him to support her. Christine has served as the Director of the Commission on Health Safety and Workers Compensation where we have worked closely with her and Judge Lach Taylor.
Small Business California in 2008 named Christine a Small Business Hero.
Congratulations Christine and we look forward to working with you in your new position.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
415-680-2109
Friday, March 25, 2011
SBA Loans/ AB153 SF Chamber Supports Out of State Internet Tax
I was talking to Tony Wilkinson the head of the National Association of Government Guaranteed Lenders yesterday about SBA 7a lending for the fiscal year Oct 1 2010 to Oct 1 2011.
He indicated that as of March 18th the SBA had done $11.4 billion of 7a loans. This compares favorably with last year’s amount of the same time of $6.8 billion. Clearly there is demand for these loans but there continues to be problems with conventional small business loans.
While it is true that the Small Business Jobs Act played a role in the increase and increasing the loan size to $5 million had some impact Tony went on to say that after the 90% guarantee and the waiver of fees dropped off demand went down for about a month but has come back and he thinks the $17.5 billion authorized will run out before the fiscal year ends. The small business community needs to monitor these developments and if necessary speak out for the need to increase the authorization.
Yesterday the San Francisco Chamber voted to support Assemblywoman Skinners AB 153 requiring out of state internet companies to collect state sales taxes. As you know Small Business California is a strong supporter of this bill as it will level the playing field for brick and mortar stores and will take the administrative burden of tracking these purchases away from the business and place it on the out of state internet seller.
What is significant in the Chambers position is they originally were going to be neutral. This change was made because a small business committee at the Chamber asked for reconsideration and the vote was changed. Bravo to the SF Chamber and thank you.
If you are a member of a local Chamber or any business organization ask them to support AB 153. If you need a copy of SB Cal’s letter please let me know.
If you have received one of the 300,000 letters recently sent out by the Board of Equalization asking you to account for three years of receipts and pay any outstanding money on out of state internet purchases please let me know.
How long will/did it take you to go over your records.
Will you have to pay any penalties and interest.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
He indicated that as of March 18th the SBA had done $11.4 billion of 7a loans. This compares favorably with last year’s amount of the same time of $6.8 billion. Clearly there is demand for these loans but there continues to be problems with conventional small business loans.
While it is true that the Small Business Jobs Act played a role in the increase and increasing the loan size to $5 million had some impact Tony went on to say that after the 90% guarantee and the waiver of fees dropped off demand went down for about a month but has come back and he thinks the $17.5 billion authorized will run out before the fiscal year ends. The small business community needs to monitor these developments and if necessary speak out for the need to increase the authorization.
Yesterday the San Francisco Chamber voted to support Assemblywoman Skinners AB 153 requiring out of state internet companies to collect state sales taxes. As you know Small Business California is a strong supporter of this bill as it will level the playing field for brick and mortar stores and will take the administrative burden of tracking these purchases away from the business and place it on the out of state internet seller.
What is significant in the Chambers position is they originally were going to be neutral. This change was made because a small business committee at the Chamber asked for reconsideration and the vote was changed. Bravo to the SF Chamber and thank you.
If you are a member of a local Chamber or any business organization ask them to support AB 153. If you need a copy of SB Cal’s letter please let me know.
If you have received one of the 300,000 letters recently sent out by the Board of Equalization asking you to account for three years of receipts and pay any outstanding money on out of state internet purchases please let me know.
How long will/did it take you to go over your records.
Will you have to pay any penalties and interest.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Tuesday, March 22, 2011
ACA Call In/ Workers Compensation
Thank you to all of you that came yesterday to the Small Business California/ Insure the Uninsured Project forum on the health bill passed a year ago.
Today Small Business California/ Small Business Majority and SBA will have a call in at 1:30 on the impacts of the health bill on California small businesses. Please see information below.
Even though rates have gone down dramatically for businesses in California for workers compensation coverage they are still among the highest in the country. Yesterday I received a policy written in Washington DC and the rates per hundred for clerical payroll was 17 cents and outside sales 20 cents.
This compares with California who’s clerical rate is around 65 cents and outside sales 76 cents. These rates do vary but company but I would suspect most of you are in that range.
Speaking of workers compensation if you have an experience modification you may well see an increase because of changes that have been made by the Bureau. The expected loss rates have gone down, your payroll may be down and they have made some changes in charges for losses. You may want to contact your broker to see what impact this will have on you.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Today Small Business California/ Small Business Majority and SBA will have a call in at 1:30 on the impacts of the health bill on California small businesses. Please see information below.
Even though rates have gone down dramatically for businesses in California for workers compensation coverage they are still among the highest in the country. Yesterday I received a policy written in Washington DC and the rates per hundred for clerical payroll was 17 cents and outside sales 20 cents.
This compares with California who’s clerical rate is around 65 cents and outside sales 76 cents. These rates do vary but company but I would suspect most of you are in that range.
Speaking of workers compensation if you have an experience modification you may well see an increase because of changes that have been made by the Bureau. The expected loss rates have gone down, your payroll may be down and they have made some changes in charges for losses. You may want to contact your broker to see what impact this will have on you.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Friday, March 18, 2011
Assembly Bill 52
Yesterday I received a call from Assemblyman Feuer asking that Small Business California support his bill AB 52.
AB 52 would require health plans and insurers obtain approval from state regulators before changing health insurance rates. Under this bill, the Department of Managed Care[DMHC] and the California Department of Insurance[CDI] would have regulatory authority to approve, deny or modify rate changes.
It requires plans and insurers to submit to the departments explanatory information and allows the departments to hold public hearing on these rate changes. It also would prohibit insurers from proposing rate changes on each product more than once a year.
Currently the DMHC and CDI have authority to review whether or not proposed rate increases are excessive, unjustified or unfairly discriminatory, but neither department has the authority to reject such an increase.
The argument for this bill according to the author is that from 1999 to 2010 health insurance premiums for families rose 131% while the general rate of inflation increased 28% according to the Kaiser Family Foundation.
The same report states that the states with robust and transparent rate review and approval processes have greater power to protect consumers. AB 52 would put California in line with 35 states that require some form of prior health insurance rate approval.
The argument against the proposal is that there is competition in the insurance industry and rising cost have been the result of the increase cost of medical care. It is also argued that the department will be under political pressure to keep rates artificially low.
They cite the example of the previous Insurance Commissioner who twice recommended 0% increase in workers compensation pure loss rates when his own actuaries cited the need for over 15% increases.
Obviously health insurance premiums are a big problem for California small businesses.
What is your position on this bill?
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
AB 52 would require health plans and insurers obtain approval from state regulators before changing health insurance rates. Under this bill, the Department of Managed Care[DMHC] and the California Department of Insurance[CDI] would have regulatory authority to approve, deny or modify rate changes.
It requires plans and insurers to submit to the departments explanatory information and allows the departments to hold public hearing on these rate changes. It also would prohibit insurers from proposing rate changes on each product more than once a year.
Currently the DMHC and CDI have authority to review whether or not proposed rate increases are excessive, unjustified or unfairly discriminatory, but neither department has the authority to reject such an increase.
The argument for this bill according to the author is that from 1999 to 2010 health insurance premiums for families rose 131% while the general rate of inflation increased 28% according to the Kaiser Family Foundation.
The same report states that the states with robust and transparent rate review and approval processes have greater power to protect consumers. AB 52 would put California in line with 35 states that require some form of prior health insurance rate approval.
The argument against the proposal is that there is competition in the insurance industry and rising cost have been the result of the increase cost of medical care. It is also argued that the department will be under political pressure to keep rates artificially low.
They cite the example of the previous Insurance Commissioner who twice recommended 0% increase in workers compensation pure loss rates when his own actuaries cited the need for over 15% increases.
Obviously health insurance premiums are a big problem for California small businesses.
What is your position on this bill?
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
Thursday, March 17, 2011
The Affordable Care Act & California Small Business
I have sent notices to SF businesses about a meeting Small Business California and the Insure the Uninsured Project will be doing March 21 from 4 to 5:30 at Hanson Bridgett. They are located at 425 Market street 26th floor.
March 21st has been declared National Small Business Day for the passage one year ago of the Patient Protection Affordable Care Act (PPACA).
I am pleased to announce that Herb Schultz will be joining us. He is the Region 9 director of the US Health and Human Services. For those of you in the area there is still space available if would like to attend.
Please contact Maryann Cello at 415-680-2110 or mcello@cal-insure.com if you would like to attend.
For those of you around California you are invited to call into a conference call March 22 at 1:30. Small Business California and Small Business Majority will be hosting this event on the PPACA and will have as our guest SBA Regional Administrator Elizabeth Echols. See details below.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
One YearLater:
The Affordable Care Act and California Small Businesses
On March 23, 2010, the Patient Protection and Affordable Care Act (ACA) was enacted, bringing about significant change for small businesses. Over the past year:
• Tax credits have been made available to help employers afford health insurance
• A high-risk pool has been set up for self-employed individuals with preexisting health conditions to purchase coverage
• Work has begun on the state’s health benefit exchange, a new marketplace for small businesses to buy private health insurance with increased purchasing power and decreased administrative costs
As we approach the one-year anniversary of this law, the Small Business Administration (SBA) is partnering with Small Business California and Small Business Majority to hear directly from the state’s small employers about the new law, what its impact has been, how it should be implemented and how the law can be improved. SBA Regional Administrator Elizabeth Echols will join us to listen to your comments and answer your questions.
Please join us via conference call for this opportunity to have your views heard and be a part of this important discussion.
Date: March 22, 2011 Time: 1:30pm PDT Conference dial-in number: (712) 432-0075 Access code: 962512
Participation is free. Please RSVP to David Chase at:
dchase@smallbusinessmajority.org
Note: We have limited space available to attend this meeting in-person in San Francisco. If you would like to join the discussion in-person, please contact David Chase for more information.
For more information:
David Chase
Small Business Majority
916-479-1045
dchase@smallbusinessmajority.org
March 21st has been declared National Small Business Day for the passage one year ago of the Patient Protection Affordable Care Act (PPACA).
I am pleased to announce that Herb Schultz will be joining us. He is the Region 9 director of the US Health and Human Services. For those of you in the area there is still space available if would like to attend.
Please contact Maryann Cello at 415-680-2110 or mcello@cal-insure.com if you would like to attend.
For those of you around California you are invited to call into a conference call March 22 at 1:30. Small Business California and Small Business Majority will be hosting this event on the PPACA and will have as our guest SBA Regional Administrator Elizabeth Echols. See details below.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
One YearLater:
The Affordable Care Act and California Small Businesses
On March 23, 2010, the Patient Protection and Affordable Care Act (ACA) was enacted, bringing about significant change for small businesses. Over the past year:
• Tax credits have been made available to help employers afford health insurance
• A high-risk pool has been set up for self-employed individuals with preexisting health conditions to purchase coverage
• Work has begun on the state’s health benefit exchange, a new marketplace for small businesses to buy private health insurance with increased purchasing power and decreased administrative costs
As we approach the one-year anniversary of this law, the Small Business Administration (SBA) is partnering with Small Business California and Small Business Majority to hear directly from the state’s small employers about the new law, what its impact has been, how it should be implemented and how the law can be improved. SBA Regional Administrator Elizabeth Echols will join us to listen to your comments and answer your questions.
Please join us via conference call for this opportunity to have your views heard and be a part of this important discussion.
Date: March 22, 2011 Time: 1:30pm PDT Conference dial-in number: (712) 432-0075 Access code: 962512
Participation is free. Please RSVP to David Chase at:
dchase@smallbusinessmajority.org
Note: We have limited space available to attend this meeting in-person in San Francisco. If you would like to join the discussion in-person, please contact David Chase for more information.
For more information:
David Chase
Small Business Majority
916-479-1045
dchase@smallbusinessmajority.org
Monday, March 14, 2011
News Release: Jerome Horton, BOE Chairman, Announces that Service Businesses Must Pay Use Tax
Sorry to send another email but this is going to be a nightmare. The BOE has sent out these notices to 200,000 service businesses. All were required to look at three years of purchases.
Now we have 300,000 more of you. This is a time consuming process and in my mind why we need the out of state internet tax passed so small businesses don’t have to do all this record keeping.
This information was confirmed by BOE.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
FOR IMMEDIATE RELEASE
NR# 41-11-H
Date: March 14, 2011
Contact: Anita Gore
Communications Office
916-327-8988
BOE Newsroom
Jerome Horton, BOE Chairman, Announces that Service Businesses Must Pay Use Tax
Jerome E. Horton, Chairman of the California Board of Equalization (BOE), has directed BOE staff to notify nearly 300,000 service business owners that they may owe use tax.
The new law, which is included in Section 6225 of the Revenue and Taxation Code, requires businesses that meet the definition of a "qualified purchaser" to register with the BOE and to file returns by April 15 (April 18 in 2011) of each year, reporting all purchases subject to use tax from the previous calendar year.
A qualified purchaser is a business that receives at least $100,000 in gross receipts per year from business operations, is not required to hold a seller's permit with BOE, is not a holder of a use tax direct payment permit, is not required to be registered with the BOE, and is not otherwise registered with the BOE to report use tax.
Businesses that do not meet the $100,000 gross receipts threshold are still required to report and pay use tax, but are not required to register with the BOE for that purpose. Persons that have multiple businesses with the same ownership must register if the aggregate gross receipts of those businesses meet or exceed the $100,000 threshold.
“Use tax, which has been the law since 1935, is owed when individuals or businesses in California use, consume, give away or store tangible personal property (things you can see, weigh, feel or touch) that they purchase from out-of-state sellers,” Horton explained, “including purchases from online retailers like Amazon.com, through the mail, or over the telephone.”
The BOE offers information on its website at www.boe.ca.gov to help educate taxpayers on their tax obligations so that they may voluntarily comply and possibly avoid unnecessary filing delays and penalties. In addition, to simplify the registration process, new applicants have been automatically registered to eFile their returns for 2008, 2009 and 2010. And finally, if the taxpayer is not a retailer or service business currently required to register with the BOE, the easiest way to report and pay use tax is on the California state income tax return. You may also register with the BOE as a consumer to pay use tax.
Elected in 2010, Horton is the Fourth District Member of the California State BOE, representing more than 8.5 million residents in Los Angeles County and also serves as the BOE Legislative Committee chairman. Horton previously served as an Assembly Member of the California State Assembly from 2000-2006.
The five-member California State Board of Equalization is a publicly elected tax board. The BOE collects more than $48 billion annually in taxes and fees supporting state and local government services. The BOE hears business tax appeals, acts as the appellate body for franchise and personal income tax appeals, and serves a significant role in the assessment and administration of property taxes. For more information on other California taxes and fees, visit www.taxes.ca.gov.
Additional online reference information is available:
Frequently asked questions,
http://www.boe.ca.gov/sutax/useTaxRegFAQ.htm
Publication 126, Use Tax Registration for Service Enterprises,
http://www.boe.ca.gov/pdf/pub126.pdf
Use Tax eFile Tutorial
http://www.boe.ca.gov/elecsrv/efiling/efile_demo/efile_use_tax.htm
Now we have 300,000 more of you. This is a time consuming process and in my mind why we need the out of state internet tax passed so small businesses don’t have to do all this record keeping.
This information was confirmed by BOE.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
FOR IMMEDIATE RELEASE
NR# 41-11-H
Date: March 14, 2011
Contact: Anita Gore
Communications Office
916-327-8988
BOE Newsroom
Jerome Horton, BOE Chairman, Announces that Service Businesses Must Pay Use Tax
Jerome E. Horton, Chairman of the California Board of Equalization (BOE), has directed BOE staff to notify nearly 300,000 service business owners that they may owe use tax.
The new law, which is included in Section 6225 of the Revenue and Taxation Code, requires businesses that meet the definition of a "qualified purchaser" to register with the BOE and to file returns by April 15 (April 18 in 2011) of each year, reporting all purchases subject to use tax from the previous calendar year.
A qualified purchaser is a business that receives at least $100,000 in gross receipts per year from business operations, is not required to hold a seller's permit with BOE, is not a holder of a use tax direct payment permit, is not required to be registered with the BOE, and is not otherwise registered with the BOE to report use tax.
Businesses that do not meet the $100,000 gross receipts threshold are still required to report and pay use tax, but are not required to register with the BOE for that purpose. Persons that have multiple businesses with the same ownership must register if the aggregate gross receipts of those businesses meet or exceed the $100,000 threshold.
“Use tax, which has been the law since 1935, is owed when individuals or businesses in California use, consume, give away or store tangible personal property (things you can see, weigh, feel or touch) that they purchase from out-of-state sellers,” Horton explained, “including purchases from online retailers like Amazon.com, through the mail, or over the telephone.”
The BOE offers information on its website at www.boe.ca.gov to help educate taxpayers on their tax obligations so that they may voluntarily comply and possibly avoid unnecessary filing delays and penalties. In addition, to simplify the registration process, new applicants have been automatically registered to eFile their returns for 2008, 2009 and 2010. And finally, if the taxpayer is not a retailer or service business currently required to register with the BOE, the easiest way to report and pay use tax is on the California state income tax return. You may also register with the BOE as a consumer to pay use tax.
Elected in 2010, Horton is the Fourth District Member of the California State BOE, representing more than 8.5 million residents in Los Angeles County and also serves as the BOE Legislative Committee chairman. Horton previously served as an Assembly Member of the California State Assembly from 2000-2006.
The five-member California State Board of Equalization is a publicly elected tax board. The BOE collects more than $48 billion annually in taxes and fees supporting state and local government services. The BOE hears business tax appeals, acts as the appellate body for franchise and personal income tax appeals, and serves a significant role in the assessment and administration of property taxes. For more information on other California taxes and fees, visit www.taxes.ca.gov.
Additional online reference information is available:
Frequently asked questions,
http://www.boe.ca.gov/sutax/useTaxRegFAQ.htm
Publication 126, Use Tax Registration for Service Enterprises,
http://www.boe.ca.gov/pdf/pub126.pdf
Use Tax eFile Tutorial
http://www.boe.ca.gov/elecsrv/efiling/efile_demo/efile_use_tax.htm
Governor Budget/ Toni Symonds/ Clinic by the Bay
The Governor has put forth a budget which includes $14 billion of taxes most of which are a continuation of taxes set to sunset this year and budget cuts to balance the $25 plus billion budget deficit.
Time is running short to get this on the June ballot.
Would you support a five year extension of the taxes which include a 1% sales tax, a .5 increase in vehicle license fees and a surcharge of .25 tax on income. It is estimated the Governor has cut $12 billion.
Do you support this?
Would you support this is there was a cap on pensions and other pension reforms?
Do you think the voters should be allowed to decide one way or the other.
On Tuesday March 15th our good friend Toni Symonds the Chief Consultant, Assembly Committee on Jobs,Economic Development and the Economy will be honored at the SBDC’s Partners In Success event.
Toni has been a great friend of Small Business California and the entire small business community in California. Congratulations Toni on a well deserved award. For those of you that want to thank Toni you can email her at: Toni.Symonds@asm.ca.gov
Many of you have contributed to Clinic by the Bay. Thank you.
Please see our accomplishments to date in newsletter below. Note we have registered 133 friends and neighbors[our word for patients] and seen almost 200 riends and neighbors.
For those of you in SF area I hope you will save the date of May 18 from 6 to 7:30 for our spring fund raiser. For others around the state I hope you might consider making a contribution by going to www.clinicbythebay.org.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
C l i n i c b y t h e B a y - SPRING 2011
"May we have eyes to see those who are rendered invisible and excluded, open arms and hearts to reach out and include them, healing hands to touch their lives with love, and in the process heal ourselves."
IN THE NEWS
Visit our You Tube channel to view TV news coverage (in English and Spanish) of our Grand Opening on November 9, 2011.
SAVE THE DATE
"Believe It!"
JOIN US for our Spring Fundraiser Event at
Credo Restaurant, San Francisco
Wednesday, May 18, 2011
6:00 - 7:30 PM
More details coming soon!
DONOR PROFILE
We are grateful to the McKesson Foundation for their strong, consistent support since January 2009.
President Carrie Varoquiers explains how the McKesson's partnership with Clinic by the Bay has been a good fit over the last three years:
"Supporting a volunteer-driven organization like Clinic by the Bay aligns perfectly with the McKesson Foundation's focus on providing healthcare for the underserved while simultaneously allowing us to stretch our dollars for maximum impact."
MEET OUR STAFF
Introducing our new Clinic Manager!
Maria Silveira, RN, ANP-BC, MPH is an Adult Nurse Practitioner with clinical experience in a diversity of settings throughout San Francisco, including San Francisco General Hospital, Laguna Honda Hospital, and the San Francisco Veterans Affairs Medical Center. Maria also has several years of experience managing clinical research studies.
HEALTH EDUCATION
Our free monthly workshops take place at the clinic. All community members are welcome. Please call 415-405-0222 to reserve a spot! Upcoming workshop:
What Did My Doctor Say? (Health Literacy)
Wednesday, April 13, 2011
6:00 PM - 7:00 PM
Saturday, April 16, 2011
11:00 AM - 12:00 PM
CLINIC HOURS
Eligibility Screening & Registration:
Mondays 4:00 pm - 6:00 pm
Wednesdays 11:30 am - 1:30 pm
Primary Care Clinic
for Registered Patients:
Tuesdays 4:00 pm - 8:00 pm
Thursdays 2:00 pm - 6:00 pm
Available Services:
Primary and preventive care, general health exams, prescription assistance, specialty care referral, community resource referrals, health education
Clinic by the Bay Springs Forward - our accomplishments to date
We’re excited to share our progress over the last five months, since we first became a primary care medical home to our working uninsured neighbors in the Excelsior neighborhood and Daly City.
Currently, 133 people who previously did not have access to health care now have a primary care medical home at Clinic by the Bay. We have also completed nearly 200 patient visits to date.
Our patient visits are 45-60 minutes, much longer than traditional primary care, allowing patients and providers to develop deeper relationships. Each new patient visit includes integrated medical, mental health and dental screenings. Moreover, our patients are generally able to see a provider within one week, and occasionally within the same day. (See Patient Profile below.)
Thanks to our strong community and medical partnerships, our patients receive a seamless coordination of care. Over the last five months, we provided our patients with 193 referrals for specialty services, such as lab work, x-rays, mammograms, optometry, as well as other supportive services (e.g., employment counseling, financial assistance, bereavement support).
Clinic by the Bay fosters a "Culture of Caring" throughout the organization; caring for the person, not only their illness. We are grateful to all of our contributors, volunteers, and partners for helping us provide compassionate care to our neighbors.
Volunteer Spotlight
To date, we have trained 53 volunteers who have contributed over 1900 hours of service, valued at $68,000. Karen and Loretta are two of our non-medical volunteers who have been with us from the beginning.
KAREN SPRADLING
Karen Spradling first contacted Clinic by the Bay after reading an article about Coming of Age - Bay Area, one of our key community partners and a volunteer organization that harnesses the experience, talents and skills of people 50+ . Karen participated in our very first volunteer training in July 2010. She quickly proved to be a great fit at the clinic, given her extensive background in health care and business administration, her strong computer skills, and a familiarity with medical terminology.
As an eligibility screener, Karen interviews potential patients to verify that they meet the requirements to receive our services. She also conducts initial interviews with potential volunteers and helps us maintain accurate volunteer tracking through our online volunteer management database.
Karen says, “I feel I’m really making a difference when I’m here at the clinic, and by extension, I’m helping those who really need health care the most, people who otherwise aren’t getting the care they need. Patients who do find us are so grateful for the care they receive, and they are every bit as deserving of good quality health care as I am.”
LORETTA TAYLOR
Loretta Taylor first learned about us from her husband Lachlan, after he made a surprise donation to the clinic. Equally inspired by the clinic’s mission, she immediately signed up for our first volunteer training. She brings to the clinic over 24 years of experience in patient education and early childhood development.
Currently, Loretta welcomes our patients and provides administrative support, including the critical setup of our exam rooms every week. Most notably, she created the clinic’s official safety procedure manual. She hopes to become even more involved in patient education as our health education programming continues to expand.
“It feels good to walk into Clinic by the Bay every day that I’m there,” Loretta shares proudly. “The energy is wonderful, the atmosphere is positive, and people are there because they want to be there. Whether I’m answering the phone or stocking the exam rooms, each week I know I have a part in ensuring each patient’s needs are met.”
For more information about volunteer opportunities, please contact Eliza Gibson at eliza@clinicbythebay.org.
MEDICAL PARTNER
UCSF Medical Center is one of our key medical partners, providing clinically necessary lab tests for our patients.
UCSF has proven to be consistently flexible and responsive, helping us create a seamless coordination of care. “Partnering with UCSF provides Clinic by the Bay the opportunity to tap into the best medical minds and resources available anywhere for our patients,“ says Dr. Paul Turek, one of our founding board members and the chair of our Medical Advisory Board.
Regarding our partnership with UCSF, Medical Director Dr. Joshua Adler adds, “At UCSF, we believe that the innovative model of care developed by Clinic by the Bay may be one of a number of solutions to the challenge of providing affordable health care to currently underserved communities. UCSF is very pleased to partner with Clinic by the Bay in caring for patients through the provision of high quality laboratory services.”
Our Founders Wall
We would like to extend a special thank you to our founders who contributed gifts to Clinic by the Bay between September 10, 2008 and July 15, 2010. These donors are now memorialized on our Founders Wall, prominently displayed in the clinic's entryway. This wall will stand as a proud testament to the faith of the clinic's founding friends and supporters for many years to come.
Thank you to all of our supporters!
Clinic by the Bay is a locally funded effort to meet the needs of our friends and neighbors who do not have regular access to medical care. Clinic programs and services are made possible in part by: AT&T, CAL Insurance & Associates, California HealthCare Foundation, California Pacific Medical Center, Clif Bar Family Foundation, HEDCO Foundation, McKesson Foundation, Mount Zion Health Fund of the Jewish Community Fund, Quest Diagnostics Foundation, and Safeway Foundation.
CLINIC BY THE BAY
4877 MISSION STREET SAN FRANCISCO, CA 94112 (415) 405-0222
Please visit our website at http://www.clinicbythebay.org/
Time is running short to get this on the June ballot.
Would you support a five year extension of the taxes which include a 1% sales tax, a .5 increase in vehicle license fees and a surcharge of .25 tax on income. It is estimated the Governor has cut $12 billion.
Do you support this?
Would you support this is there was a cap on pensions and other pension reforms?
Do you think the voters should be allowed to decide one way or the other.
On Tuesday March 15th our good friend Toni Symonds the Chief Consultant, Assembly Committee on Jobs,Economic Development and the Economy will be honored at the SBDC’s Partners In Success event.
Toni has been a great friend of Small Business California and the entire small business community in California. Congratulations Toni on a well deserved award. For those of you that want to thank Toni you can email her at: Toni.Symonds@asm.ca.gov
Many of you have contributed to Clinic by the Bay. Thank you.
Please see our accomplishments to date in newsletter below. Note we have registered 133 friends and neighbors[our word for patients] and seen almost 200 riends and neighbors.
For those of you in SF area I hope you will save the date of May 18 from 6 to 7:30 for our spring fund raiser. For others around the state I hope you might consider making a contribution by going to www.clinicbythebay.org.
Scott Hauge
President
Small Business California
2311 Taraval Street
San Francisco, CA 94116
shauge@cal-insure.com
415-680-2188
C l i n i c b y t h e B a y - SPRING 2011
"May we have eyes to see those who are rendered invisible and excluded, open arms and hearts to reach out and include them, healing hands to touch their lives with love, and in the process heal ourselves."
IN THE NEWS
Visit our You Tube channel to view TV news coverage (in English and Spanish) of our Grand Opening on November 9, 2011.
SAVE THE DATE
"Believe It!"
JOIN US for our Spring Fundraiser Event at
Credo Restaurant, San Francisco
Wednesday, May 18, 2011
6:00 - 7:30 PM
More details coming soon!
DONOR PROFILE
We are grateful to the McKesson Foundation for their strong, consistent support since January 2009.
President Carrie Varoquiers explains how the McKesson's partnership with Clinic by the Bay has been a good fit over the last three years:
"Supporting a volunteer-driven organization like Clinic by the Bay aligns perfectly with the McKesson Foundation's focus on providing healthcare for the underserved while simultaneously allowing us to stretch our dollars for maximum impact."
MEET OUR STAFF
Introducing our new Clinic Manager!
Maria Silveira, RN, ANP-BC, MPH is an Adult Nurse Practitioner with clinical experience in a diversity of settings throughout San Francisco, including San Francisco General Hospital, Laguna Honda Hospital, and the San Francisco Veterans Affairs Medical Center. Maria also has several years of experience managing clinical research studies.
HEALTH EDUCATION
Our free monthly workshops take place at the clinic. All community members are welcome. Please call 415-405-0222 to reserve a spot! Upcoming workshop:
What Did My Doctor Say? (Health Literacy)
Wednesday, April 13, 2011
6:00 PM - 7:00 PM
Saturday, April 16, 2011
11:00 AM - 12:00 PM
CLINIC HOURS
Eligibility Screening & Registration:
Mondays 4:00 pm - 6:00 pm
Wednesdays 11:30 am - 1:30 pm
Primary Care Clinic
for Registered Patients:
Tuesdays 4:00 pm - 8:00 pm
Thursdays 2:00 pm - 6:00 pm
Available Services:
Primary and preventive care, general health exams, prescription assistance, specialty care referral, community resource referrals, health education
Clinic by the Bay Springs Forward - our accomplishments to date
We’re excited to share our progress over the last five months, since we first became a primary care medical home to our working uninsured neighbors in the Excelsior neighborhood and Daly City.
Currently, 133 people who previously did not have access to health care now have a primary care medical home at Clinic by the Bay. We have also completed nearly 200 patient visits to date.
Our patient visits are 45-60 minutes, much longer than traditional primary care, allowing patients and providers to develop deeper relationships. Each new patient visit includes integrated medical, mental health and dental screenings. Moreover, our patients are generally able to see a provider within one week, and occasionally within the same day. (See Patient Profile below.)
Thanks to our strong community and medical partnerships, our patients receive a seamless coordination of care. Over the last five months, we provided our patients with 193 referrals for specialty services, such as lab work, x-rays, mammograms, optometry, as well as other supportive services (e.g., employment counseling, financial assistance, bereavement support).
Clinic by the Bay fosters a "Culture of Caring" throughout the organization; caring for the person, not only their illness. We are grateful to all of our contributors, volunteers, and partners for helping us provide compassionate care to our neighbors.
Volunteer Spotlight
To date, we have trained 53 volunteers who have contributed over 1900 hours of service, valued at $68,000. Karen and Loretta are two of our non-medical volunteers who have been with us from the beginning.
KAREN SPRADLING
Karen Spradling first contacted Clinic by the Bay after reading an article about Coming of Age - Bay Area, one of our key community partners and a volunteer organization that harnesses the experience, talents and skills of people 50+ . Karen participated in our very first volunteer training in July 2010. She quickly proved to be a great fit at the clinic, given her extensive background in health care and business administration, her strong computer skills, and a familiarity with medical terminology.
As an eligibility screener, Karen interviews potential patients to verify that they meet the requirements to receive our services. She also conducts initial interviews with potential volunteers and helps us maintain accurate volunteer tracking through our online volunteer management database.
Karen says, “I feel I’m really making a difference when I’m here at the clinic, and by extension, I’m helping those who really need health care the most, people who otherwise aren’t getting the care they need. Patients who do find us are so grateful for the care they receive, and they are every bit as deserving of good quality health care as I am.”
LORETTA TAYLOR
Loretta Taylor first learned about us from her husband Lachlan, after he made a surprise donation to the clinic. Equally inspired by the clinic’s mission, she immediately signed up for our first volunteer training. She brings to the clinic over 24 years of experience in patient education and early childhood development.
Currently, Loretta welcomes our patients and provides administrative support, including the critical setup of our exam rooms every week. Most notably, she created the clinic’s official safety procedure manual. She hopes to become even more involved in patient education as our health education programming continues to expand.
“It feels good to walk into Clinic by the Bay every day that I’m there,” Loretta shares proudly. “The energy is wonderful, the atmosphere is positive, and people are there because they want to be there. Whether I’m answering the phone or stocking the exam rooms, each week I know I have a part in ensuring each patient’s needs are met.”
For more information about volunteer opportunities, please contact Eliza Gibson at eliza@clinicbythebay.org.
MEDICAL PARTNER
UCSF Medical Center is one of our key medical partners, providing clinically necessary lab tests for our patients.
UCSF has proven to be consistently flexible and responsive, helping us create a seamless coordination of care. “Partnering with UCSF provides Clinic by the Bay the opportunity to tap into the best medical minds and resources available anywhere for our patients,“ says Dr. Paul Turek, one of our founding board members and the chair of our Medical Advisory Board.
Regarding our partnership with UCSF, Medical Director Dr. Joshua Adler adds, “At UCSF, we believe that the innovative model of care developed by Clinic by the Bay may be one of a number of solutions to the challenge of providing affordable health care to currently underserved communities. UCSF is very pleased to partner with Clinic by the Bay in caring for patients through the provision of high quality laboratory services.”
Our Founders Wall
We would like to extend a special thank you to our founders who contributed gifts to Clinic by the Bay between September 10, 2008 and July 15, 2010. These donors are now memorialized on our Founders Wall, prominently displayed in the clinic's entryway. This wall will stand as a proud testament to the faith of the clinic's founding friends and supporters for many years to come.
Thank you to all of our supporters!
Clinic by the Bay is a locally funded effort to meet the needs of our friends and neighbors who do not have regular access to medical care. Clinic programs and services are made possible in part by: AT&T, CAL Insurance & Associates, California HealthCare Foundation, California Pacific Medical Center, Clif Bar Family Foundation, HEDCO Foundation, McKesson Foundation, Mount Zion Health Fund of the Jewish Community Fund, Quest Diagnostics Foundation, and Safeway Foundation.
CLINIC BY THE BAY
4877 MISSION STREET SAN FRANCISCO, CA 94112 (415) 405-0222
Please visit our website at http://www.clinicbythebay.org/
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