tag:blogger.com,1999:blog-880904181100288677Thu, 16 Feb 2012 13:02:13 +0000Employment ReportProfit|Optimizerpoemrisk managementreputationdisaster planningSMEDOJsmall businessprivate equitymoney launderingIARPbankingbusiness continuitymanufacturingproductcredit crisissustainabilitytax liabilityThe Hamilton PlanADPsupply chaincreditZ-ScoreSECJob Creationsmall business credit riskmacroeconomic riskcredit riskcommercial lendingecologicalrecessionregulatorySchulte Roth ZabelAMLcorporate governancecultureeconomyjob growthaudit riskCreditAideslaboroperational riskSum2IRSCPAtax audit riskTax Manproduct liabilityoffshoreunemploymentoperationsassociationsbankruptceyCredit Redihedge fundsNFIBCredit RediRebuilding Trust with Sound Business Practiceshttp://creditredi.blogspot.com/noreply@blogger.com (Risk Rapper)Blogger49125tag:blogger.com,1999:blog-880904181100288677.post-5654633955327755090Thu, 03 Mar 2011 19:09:00 +00002011-03-03T11:09:03.324-08:00poemADP Employment Report: Solid Job Growth Gathers Steam  Private-sector employment increased by 217,000 from January to February on a seasonally adjusted basis, according to the latest ADP National Employment Report released today. The estimated change of employment from December 2010 to January 2011 was revised up to 189,000 from the previously reported increase of 187,000. This month’s ADP National Employment Report suggests continued solid growth http://feedproxy.google.com/~r/CreditRedi/~3/87nq5d5rj3g/adp-employment-report-solid-job-growth.htmlnoreply@blogger.com (Risk Rapper)1<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/87nq5d5rj3g" height="1" width="1"/>http://creditredi.blogspot.com/2011/03/adp-employment-report-solid-job-growth.htmltag:blogger.com,1999:blog-880904181100288677.post-300111024561117803Thu, 13 Jan 2011 15:32:00 +00002011-01-13T07:32:32.648-08:00Credit RediSMEcredit riskSMEs Still Starved for Credit  Greenwich Associates highly regarded Market Pulse Study on SME credit availability reports that two-thirds of small businesses and 55% of middle  market companies indicate that banks are failing to meet the needs of creditworthy  companies.  Half of the 221 small businesses participating in the latest  Greenwich  Market Pulse Study say it is harder to secure credit today than it  was at  this http://feedproxy.google.com/~r/CreditRedi/~3/Xaz0aLeP_FE/smes-still-starved-for-credit.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/Xaz0aLeP_FE" height="1" width="1"/>http://creditredi.blogspot.com/2011/01/smes-still-starved-for-credit.htmltag:blogger.com,1999:blog-880904181100288677.post-963124180469153281Mon, 10 Jan 2011 23:42:00 +00002011-01-10T15:45:17.226-08:00Credit RediSMEsmall business credit riskCredit Redi, Helps Spot Small Business Credit RiskThe recession and credit crunch have shifted financial risk from banks to small and midsized businesses (SME) that often must extend credit to customers to make a sale. When companies extend credit, in effect making unsecured loans, they're acting like banks but without the credit management tools and experience of a banker.Credit Redi is designed for small businesses to quickly spot http://feedproxy.google.com/~r/CreditRedi/~3/8H4WjBgQ70M/credit-redi-helps-spot-small-business.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/8H4WjBgQ70M" height="1" width="1"/>http://creditredi.blogspot.com/2011/01/credit-redi-helps-spot-small-business.htmltag:blogger.com,1999:blog-880904181100288677.post-2585335143421366713Fri, 05 Nov 2010 02:30:00 +00002010-11-04T19:33:12.421-07:00SMEJob CreationrecessionADPJob Creation Proceeds at Turtle PaceSlow and steady may win the race but the pace of job creation by the US economy continues to move along at turtle speed. For the 20 million unemployed and underemployed people the pace of job creation remains painfully slow as revealed by ADP 's National Employment Report for October. During the month, private sector employment increased by 43,000 on a seasonally adjusted basis. ADP also http://feedproxy.google.com/~r/CreditRedi/~3/vmaQ8S7M9jo/job-creation-proceeds-at-turtle-pace.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/vmaQ8S7M9jo" height="1" width="1"/>http://creditredi.blogspot.com/2010/11/job-creation-proceeds-at-turtle-pace.htmltag:blogger.com,1999:blog-880904181100288677.post-7961462779317200760Thu, 07 Oct 2010 19:28:00 +00002010-10-07T12:28:17.862-07:00Employment ReportADPADP Employment Report: Economy Shedding Jobs ADP has released its National Employment Report for September. During the month, private sector employment decreased by 39,000 on a seasonally adjusted basis. After an upward revision of 10,000 new jobs created for August, the September numbers are a reversal from employment trends that seemed to be stabilizing by arresting two years of employment declines. For seven consecutive moths the http://feedproxy.google.com/~r/CreditRedi/~3/X7re-vz1a-E/adp-employment-report-economy-shedding.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/X7re-vz1a-E" height="1" width="1"/>http://creditredi.blogspot.com/2010/10/adp-employment-report-economy-shedding.htmltag:blogger.com,1999:blog-880904181100288677.post-4087105936694022361Thu, 22 Jul 2010 21:02:00 +00002010-07-22T14:02:24.612-07:00SMECreditAidesbankingcommercial lendingcredit riskUsing Z Score to Manage Financial Health We use Altman's Z Score as our measurement tool to assess a company's financial condition. It incorporates fundamental financial analysis, offers a consistent measurement methodology across all business segments, and an enhanced level of transparency by use of fully disclosed and open calculation model. Z Score Advantages The Z Score provides a quantitative measurement into a http://feedproxy.google.com/~r/CreditRedi/~3/FiKsM35Gssg/using-z-score-to-manage-financial.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/FiKsM35Gssg" height="1" width="1"/>http://creditredi.blogspot.com/2010/07/using-z-score-to-manage-financial.htmltag:blogger.com,1999:blog-880904181100288677.post-7924851855780573732Wed, 09 Jun 2010 15:25:00 +00002010-06-09T08:25:08.457-07:00SMENFIBsmall businessNFIB Optimism Index: Small Business Still Cautious The National Federation of Independent Business (NFIB) has just released the Small Business Economic Trends Report for June 2010. The report published since 1973 measures small business sentiment on numerous economic and business factors that confront small businesses. This months report indicates that small business optimism continues to improve. The NFIB index rose 1.6 points to 92.2 http://feedproxy.google.com/~r/CreditRedi/~3/B6BhnZfczmE/nfib-optimism-index-small-business.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/B6BhnZfczmE" height="1" width="1"/>http://creditredi.blogspot.com/2010/06/nfib-optimism-index-small-business.htmltag:blogger.com,1999:blog-880904181100288677.post-76301773681596381Fri, 04 Jun 2010 11:08:00 +00002010-06-04T04:08:34.937-07:00SMEunemploymentjob growthADPADP Reports Anemic Job Growth ADP has released its National Employment Report for May.   Non-farm private employment increased 55,000 during  the month on a seasonally adjusted basis.   ADP also reported an upward revision of 33,000 jobs for March, bringing the number of new jobs created during the month to 65,000.  The three consecutive net employment gains reported by ADP indicates that while the number of new job http://feedproxy.google.com/~r/CreditRedi/~3/Eb50KVMvRlk/adp-reports-anemic-job-growth.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/Eb50KVMvRlk" height="1" width="1"/>http://creditredi.blogspot.com/2010/06/adp-reports-anemic-job-growth.htmltag:blogger.com,1999:blog-880904181100288677.post-4635853424117616558Wed, 05 May 2010 15:40:00 +00002010-05-05T08:45:27.542-07:00SMEunemploymentADPmanufacturingADP Job Report: small biz still strugglingADP has released its National Employment Report for April. Non-farm private employment increased 32,000 during the month on a seasonally adjusted basis. ADP also reported an upward revision of 19,000 jobs for March. The two consecutive net employment gains reported by ADP indicates that job loss may have bottomed and the slim increase in employment confirms a positive trend is underway.http://feedproxy.google.com/~r/CreditRedi/~3/LlyiicGJYnQ/adp-job-report-small-biz-still.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/LlyiicGJYnQ" height="1" width="1"/>http://creditredi.blogspot.com/2010/05/adp-job-report-small-biz-still.htmltag:blogger.com,1999:blog-880904181100288677.post-1406814306618919466Mon, 03 May 2010 17:11:00 +00002010-05-04T15:04:05.070-07:00SMEbankingcommercial lendingcredit riskSmall Business Lending: Risk Governance The tough conditions in the credit markets require small businesses to communicate and demonstrate their credit worthiness to satisfy exacting credit risk requirements of lenders. Credit channels are open and loans are being made but strict federal regulations and heightened risk aversion by lenders places additional burdens on borrowers to demonstrate they are a good credit risk.  “http://feedproxy.google.com/~r/CreditRedi/~3/RMTtrRRS-_U/small-business-lending-risk-governance.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/RMTtrRRS-_U" height="1" width="1"/>http://creditredi.blogspot.com/2010/05/small-business-lending-risk-governance.htmltag:blogger.com,1999:blog-880904181100288677.post-4531916665661103115Thu, 11 Mar 2010 19:26:00 +00002010-03-11T11:26:38.560-08:00SMEcreditbankingrisk managementcredit riskSBA Lending Opens Up  Last year lending to small businesses evaporated with glaring exception of Wells Fargo which increased its lending through Small Business Administration (SBA) programs.  With bank lending to small businesses nearly frozen many small businesses are scrambling for the credit lines and loans they need to keep their companies alive. The landscape of lenders willing to provide credit to small http://feedproxy.google.com/~r/CreditRedi/~3/d5kAsQPFjC0/sba-lending-opens-up.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/d5kAsQPFjC0" height="1" width="1"/>http://creditredi.blogspot.com/2010/03/sba-lending-opens-up.htmltag:blogger.com,1999:blog-880904181100288677.post-4261867898429065589Wed, 03 Feb 2010 20:42:00 +00002010-02-03T12:48:52.679-08:00Sum2SMEThe Hamilton PlanmanufacturingSum2's Hamilton Plan Gets Scholarly AttentionThe following research paper on The Hamilton Plan was written by Deepak Verma, a business student at Baruch College. To our knowledge it is the first scholarly research that incorporates the Hamilton Plans theme of a focus on SME manufacturing.ISSUES MANAGEMENT PROJECTProf. Michael Kirk StaufferDEEPAK VERMAThe Societal and Governmental Environment of BusinessBaruch College, the City University http://feedproxy.google.com/~r/CreditRedi/~3/7k97IULJ-DA/sum2s-hamilton-plan-gets-scholarly.htmlnoreply@blogger.com (Risk Rapper)4<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/7k97IULJ-DA" height="1" width="1"/>http://creditredi.blogspot.com/2010/02/sum2s-hamilton-plan-gets-scholarly.htmltag:blogger.com,1999:blog-880904181100288677.post-4895136142180451744Sat, 16 Jan 2010 15:52:00 +00002010-01-16T07:52:06.014-08:00SEChedge fundsDOJprivate equitySchulte Roth ZabelHedge Funds Navigate Market Sea Changes This years Schulte Roth Zabel's  (SRZ) 19th Annual Private Investment Funds Seminar stuck a very different pose from last years event.  One year on from the global meltdown of financial markets, languishing institutional certainty and the  pervading crisis of industry confidence has been replaced with a cautious optimism.  The bold swagger of the industry however is gone, in its place a more http://feedproxy.google.com/~r/CreditRedi/~3/XXNkp74LxtQ/hedge-funds-navigate-market-sea-changes.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/XXNkp74LxtQ" height="1" width="1"/>http://creditredi.blogspot.com/2010/01/hedge-funds-navigate-market-sea-changes.htmltag:blogger.com,1999:blog-880904181100288677.post-1727241136447685942Wed, 16 Dec 2009 15:23:00 +00002009-12-16T07:26:05.347-08:00Sum2SMEbankingrisk managementcredit riskProfit|OptimizerbankruptceyeconomyThe Profitability of Patriotism: SME LendingWhat a difference a year makes. A year ago the banks came crawling to Washington begging for a massive capital infusion to avoid an Armageddon of the global financial system. They sent out an urgent SOS for a $750 billion life preserver of tax payers money to keep the banking system liquid. Our country's chief bursar Hank Paulson, designed a craft that would help the banks remain afloat. http://feedproxy.google.com/~r/CreditRedi/~3/PUzNQlDpW68/profitability-of-patriotism-sme-lending.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/PUzNQlDpW68" height="1" width="1"/>http://creditredi.blogspot.com/2009/12/profitability-of-patriotism-sme-lending.htmltag:blogger.com,1999:blog-880904181100288677.post-8722801681461269741Thu, 05 Nov 2009 19:50:00 +00002009-11-05T11:54:06.781-08:00Sum2SMECreditAidesrisk managementZ-Scorecredit riskProfit|OptimizerSum2 Announces Business Alliance with CreditAidesSum2, LLC is pleased to announce that they will begin to offer the corporate rating products of CreditAides. CreditAides is an independent corporate rating and research firm that provides financial health assessment reports and credit risk analysis ratings on companies using the Z-Score methodology. The CreditAides reporting system is a predictive tool that helps managers gain insights into the http://feedproxy.google.com/~r/CreditRedi/~3/73oOdsvHT6k/sum2-announces-business-alliance-with.htmlnoreply@blogger.com (Risk Rapper)1<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/73oOdsvHT6k" height="1" width="1"/>http://creditredi.blogspot.com/2009/11/sum2-announces-business-alliance-with.htmltag:blogger.com,1999:blog-880904181100288677.post-4004507248889656674Sun, 11 Oct 2009 02:42:00 +00002009-10-10T19:51:45.432-07:00Sum2risk managementregulatoryIRSIARPtax audit risktax liabilityUBS to Clients, "You're on the List!"UBS, announced that it will inform American clients whether information out their bank accounts will be turned over to the US Justice Department in a tax evasion investigation. UBS is required to disclose information on over 4,300 American citizens who are clients of the firms private banking division. The US Justice Department believes that wealthy Americans are using these accounts to concealhttp://feedproxy.google.com/~r/CreditRedi/~3/8t28mj7QGYQ/ubs-to-clients-youre-on-list.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/8t28mj7QGYQ" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/ubs-to-clients-youre-on-list.htmltag:blogger.com,1999:blog-880904181100288677.post-7353650458974582506Sun, 11 Oct 2009 02:35:00 +00002009-10-10T19:41:26.076-07:00sustainabilitybankingrecessionmacroeconomic riskeconomyG-20 Mulls Sustainable RecoveryLast year when the G-20 convened in November it was billed as the Bretton Woods II. The global economy was in the throes of a banking crisis that rivaled the Great Depression of the 1930's. Central bankers and political leaders were struggling to formulate the right mix of policies to strike the proper balance of interventionist programs needed to arrest the accelerating economic decline http://feedproxy.google.com/~r/CreditRedi/~3/U-mZqBVJOgA/g-20-mulls-sustainable-recovery.htmlnoreply@blogger.com (Risk Rapper)1<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/U-mZqBVJOgA" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/g-20-mulls-sustainable-recovery.htmltag:blogger.com,1999:blog-880904181100288677.post-4024553327360468138Sun, 11 Oct 2009 02:14:00 +00002009-10-10T19:22:22.217-07:00SMEbankingmacroeconomic riskeconomyBanking is Getting ExpensiveThe severity of the banking crisis is evident in the 95 banks the FDIC has closed during 2009. The inordinate amount of bank failures has placed a significant strain on the FDIC insurance fund. The FDIC insurance fund protects bank customers from losing their deposits when the FDIC closes an insolvent bank. The depletion of the FDIC Insurance fund is accelerating at an alarming rate. At the http://feedproxy.google.com/~r/CreditRedi/~3/XCnudmMSShM/banking-is-getting-expensive.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/XCnudmMSShM" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/banking-is-getting-expensive.htmltag:blogger.com,1999:blog-880904181100288677.post-6169671493740665728Sun, 11 Oct 2009 02:05:00 +00002009-10-10T19:14:07.030-07:00SMEunemploymentmacroeconomic risklabormanufacturingeconomyADP Reports 250,000 More Jobs Lost in SeptemberADP has released its National Employment Report for September. Nonfarm private employment decreased 254,000 during the month on a seasonally adjusted basis. The ADP report indicates that job loss continues to decelerate. Though slowing, the unemployment rate continues to creep higher. The impact of the loss of a quarter of a million jobs is an indication that economic recovery remains http://feedproxy.google.com/~r/CreditRedi/~3/TrVGUTHOSsA/adp-reports-250000-more-jobs-lost-in.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/TrVGUTHOSsA" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/adp-reports-250000-more-jobs-lost-in.htmltag:blogger.com,1999:blog-880904181100288677.post-3192763234596973425Sun, 11 Oct 2009 01:53:00 +00002009-10-10T19:03:06.145-07:00bankingregulatorytax audit riskoffshoretax liabilityG-20 Fallout: French Banks Exit Tax HavensAn official at the French Banking Federation announced that French banks plan to close shut branches and subsidiaries in countries considered tax havens. France's banks intend to halt business activities in countries that remain on the OECD's so-called "gray list" at the end of March 2010.The Organization for Economic Cooperation and Development advocates regulatory standards for global banking http://feedproxy.google.com/~r/CreditRedi/~3/S_63eST1QR0/g-20-fallout-french-banks-exit-tax.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/S_63eST1QR0" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/g-20-fallout-french-banks-exit-tax.htmltag:blogger.com,1999:blog-880904181100288677.post-9045570549641641213Sun, 11 Oct 2009 01:46:00 +00002009-10-10T18:52:08.763-07:00bankingrisk managementregulatorymacroeconomic riskcredit crisisRegulators Shut Doors on Three More BanksRegulators have shut Warren Bank in Michigan and and two small banks in Colorado and Minnesota. These closures bring the total to 98 banks closed this year.The FDIC took over Warren Bank with about $538 million in assets. The Huntington National Bank agreed to assume the deposits and some of the assets of the assets of the failed bank. The FDIC will retain the remaining assets for later http://feedproxy.google.com/~r/CreditRedi/~3/-jRKrrj6mlA/regulators-shut-doors-on-three-more.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/-jRKrrj6mlA" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/regulators-shut-doors-on-three-more.htmltag:blogger.com,1999:blog-880904181100288677.post-1795595490183925326Sun, 11 Oct 2009 01:40:00 +00002009-10-10T18:45:31.399-07:00sustainabilitySMEbankingrisk managementrecessionmacroeconomic riskcredit crisisbankruptceyMom and Pop Go Chapter 11The Wall Street Journal ran an interesting article about the devastating effect the recession is having on family owned businesses. The SBA estimates 90% of U.S. businesses are family-owned. During 2008 about 4.3 million businesses with 19 or fewer employees closed according to the Bureau of Labor Statistics. If 90% of those firms were family controlled businesses more then 3.8 million http://feedproxy.google.com/~r/CreditRedi/~3/CV3ArPMRHMM/mom-and-pop-go-chapter-11.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/CV3ArPMRHMM" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/mom-and-pop-go-chapter-11.htmltag:blogger.com,1999:blog-880904181100288677.post-4530186546283667458Sun, 11 Oct 2009 01:30:00 +00002009-10-10T18:39:25.619-07:00sustainabilitySMErecessionmacroeconomic riskmanufacturingRutgers Job Study: Full Employment By 2017!<!--Session data-->Rutgers University has released a sobering study on expected recovery rates in employment levels for the United States economy. The study, America's New Post-Recession Employment Arithmetic indicates that the employment deficit has grown so large that it may take until 2017 for the nation’s labor market to return to its pre-recession level.The study, released by the Edward Jhttp://feedproxy.google.com/~r/CreditRedi/~3/EEGbhESt-Sw/rutgers-job-study-full-employment-by.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/EEGbhESt-Sw" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/rutgers-job-study-full-employment-by.htmltag:blogger.com,1999:blog-880904181100288677.post-967206278324371074Sun, 11 Oct 2009 01:21:00 +00002009-10-10T18:29:33.313-07:00Sum2SMEcreditbankingmacroeconomic riskbankruptceyA Growing Contagion: One in Seven Companies Are a Credit RiskThe H1N1 Swine flu threat may be the big topic on CNN but a growing contagion of financial distress is widely infecting small and mid-sized enterprises (SME) with potentially fatal consequences.CFO magazine reports that 14% of companies are struggling to pay their bills or are at risk for bankruptcy. These findings are the result of a study CFO conducted on 1500 Midcap companies. The 2009 http://feedproxy.google.com/~r/CreditRedi/~3/lWfIhh66dj8/growing-contagion-one-in-seven.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/lWfIhh66dj8" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/growing-contagion-one-in-seven.htmltag:blogger.com,1999:blog-880904181100288677.post-4906672278424819429Sun, 27 Sep 2009 00:12:00 +00002009-10-08T17:19:04.748-07:00SMEunemploymentmacroeconomic risklabormanufacturingGet Ready for Small Biz StimReuters reports that the U.S. Treasury will soon launch a new program aimed at aiding small business lending, the head of the Treasury's $700 billion bailout fund said on Thursday. Herbert Allison, the Treasury's assistant secretary for financial stability, declined to provide details or specific timing on the program in testimony before the U.S. Senate Banking Committee.The US Treasury has http://feedproxy.google.com/~r/CreditRedi/~3/cwdvFX_xiQk/get-ready-for-small-biz-stim.htmlnoreply@blogger.com (Risk Rapper)0<img src="http://feeds.feedburner.com/~r/CreditRedi/~4/cwdvFX_xiQk" height="1" width="1"/>http://creditredi.blogspot.com/2009/10/get-ready-for-small-biz-stim.html