NASE Blogs

Wednesday, October 28, 2009
Financial ratios are used to evaluate the financial fitness of your business. If you familiarize yourself with these ratios and monitor them regularly, you can better determine if your financial condition is improving or deteriorating. Here are some of the more commonly used ratios and an explanation of the information they provide. Profitability measures the returns on assets and equity. It tells you how efficiently your investment is earning income. Gross profit margin = gross profit ÷ sales Net profit margin = net income ÷ sales Return on Equity (ROE) = net income ÷ equity Liquidity measures your ability to ...
Tuesday, October 27, 2009
Posted by Molly Nelson - You're the Boss over at the New York Times points to this great finding from the World Bank's 2008 Entrepreneurship Survey.  Money quote: "After accounting for differences in per capita income across countries, the World Bank researchers found that countries with easier and less expensive procedures for registering new businesses have higher rates of new business creation." Oh!  Anyone else see that lightbulb? Likewise, "in countries where it is harder to start a new business, rates of new-business entry are lower. (The United States ranked sixth in ease of doing business among the countries in ...
Monday, October 26, 2009
Posted by Molly Nelson - After Senate majority leader Harry Reid (D-Nev.) told President Obama last week that he would try to press for the inclusion of a government-run insurance program in health care reform legislation, some Democratic senators expressed optimism that Congress would pass a health care bill that contained some form of a "public option".  Speaker Nancy Pelosi (D-Calif.) has previously stated that the House version of health care legislation would include the public option.  However, some in the Senate have in the past said that finding the 60 votes needed to guarantee that the legislation would not ...
Friday, October 23, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles. If you find an article or blog that you think should be considered, drop us a line at media@nase.org. Sen. Mary Landrieu (D-La.) - Health Costs Are Crushing Small Businesses (WSJ Opinion) Are Obama’s Small-Business Lending Proposals Also About Health Care? (NY Times - You're The Boss blog) White House Report: Small Business Employees Risk Losing Coverage (HealthReform.gov) MORE NEWS!! BusinessWeek Health Reform Roundup (New Entrepreneur blog)
Friday, October 23, 2009
Q: Is it necessary for me to have a separate bank account for my business?  If so, what is the process for setting up a business checking account? A: If your business is a legal entity, such as an LLC or a corporation, or if you operate the business under DBA (doing business as) name, it's absolutely necessary to have a separate business checking account. If you operate as a sole proprietorship under your own name, a separate business account isn't required. But, it is a good business practice. The process for opening an account depends on the legal structure ...
Thursday, October 22, 2009
Posted by Molly Nelson - The Obama administration recently announced new initiatives to help American small businesses access credit and create jobs. The three new measures discussed by President Barack Obama were: Working to improve access to credit for small firms by making lower-cost capital available to small banks that present small business lending plans and to Community Development Financial Institutions (CDFIs) that lend to small businesses in the hardest-hit rural and urban areas. Seeking legislation to increase the maximum size of three types of SBA loans - increasing the maximum loan size of 7(a) loans from $2 million to ...
Thursday, October 22, 2009
Posted by Kristin Oberlander - Don't forget to tune in this afternoon for the second part of our popular Health Reform Teleconference Series. You'll learn learn more about how current policy issues impact the 22 million Americans (and growing) who are self-employed or own a business with ten or fewer employees. Topic of discussion: Thursday, October 22 (2:00 PM EDT) – Will the self-employed be able to keep the coverage they have, if they choose?  Will health care costs decrease or increase for the self-employed after reform?  Join this call to learn about the challenges the self-employed will face in ...
Wednesday, October 21, 2009
Q: I'm a single-member LLC.  Am I eligible to establish a health reimbursement account (HRA)? A:Eligibility for the NASE HRA 105 program isn't determined by your being a limited liability corporation (LLC).  The determination is based on which tax structure the LLC chooses. As a single-member LLC, you're automatically considered a sole proprietor unless you elect to be recognized as a corporation.  If you elect to be taxed as a sole proprietor filing a Schedule C, then you must be married and hire your spouse as an employee to qualify for the HRA.  If the LLC elects to be taxed ...
Wednesday, October 21, 2009
DBA stands for “doing business as.” It’s known in some states as an “assumed name certificate.” Your DBA is an assumed or fictitious name under which you conduct business. In many instances, a DBA is required before you can obtain a state or local business license. With a DBA, you can use your assumed business name when opening a business bank account, making payments to suppliers, receiving payments from customers, and entering legal contracts. In some states, DBA registration is conducted with a state agency, such as the secretary of state. In other states, you register your assumed name at ...
Wednesday, October 21, 2009
Posted by Maureen Petron -- In a conversation with my older brother yesterday, he said he used his mobile phone to make phone calls. Period. He didn’t get e-mail, didn’t use a calendar, didn’t text. I told him I didn’t understand the words coming out of his mouth. No texting??? How did he survive? Unlike my brother, my reaction solidly places me with the 42% of 18 to 34 year-olds and 33% of 35 to 44 year-olds who would likely opt-in to mobile alerts from their favorite establishments. That figure is from Placecast, who together with Harris Interactive, polled Americans ...
Wednesday, October 21, 2009
The key for the withdrawl penalty as to age is 59 1/2. If retirement withdrawals occur before that age, then the penalty could be applicable. But even if you are younger than 59 1/2, there is an IRS exception to the penalty if the distribution is after separation from service and the distributions are in a series of equal payments over the life of the participant. The IRS has a very good publication that can help with this detail called Publication 590, Individual Retirement Arrangements that discuss these options.
Tuesday, October 20, 2009
Posted by Molly Nelson - The Obama administration is proposing new federal workplace regulations that small business owners need to be aware of and in compliance with.  According to The Kiplinger Letter, some of the changes include: Stricter enforcement from the Occupational Safety and Health Administration (OSHA), A new campaign for ergonomics, and perhaps another attempt at producing a specific rule on repetitive-motion injuries from OSHA, A proposed rule by the Equal Employment Opportunity Commission (EEOC) that would create a broader definition of disability and expand protection under the Americans with Disabilities Act (ADA), and The implementation of a 2008 ...
Tuesday, October 20, 2009
With Congress preparing for a debate on the Senate floor in the coming weeks, the National Association for the Self-Employed (NASE) invites you to participate in special series of conference calls for bloggers and online journalists to learn more about the nation’s smallest businesses, what they are looking for in health care reform and where the current health care proposals hit or miss the mark. For example, while politicians say reform is about lowering health care costs for Americans, the current bills will in many cases result in higher costs for the self-employed and micro-businesses, while delaying tax credit relief ...
Tuesday, October 20, 2009
Posted by Kristie Arslan – With the successful passage of Sen. Baucus’ America’s Healthy Future Act out of committee, health reform has moved out of the light of day and into those closed-door rooms of the Senate Office buildings to begin the process of merging the Senate Finance Committee bill with the Kennedy-drafted Affordable Health Choices Act.    What’s that you hear? Could it be the window of opportunity to provide meaningful health reform slamming shut?  I am afraid so.     Per usual, the voices of the self-employed fell on deaf ears in our nation’s Capitol.  Based on current reform bills, the ...
Monday, October 19, 2009
Posted by Molly Nelson - U.S. Commerce Secretary Gary Locke recently announced plans to create a new Office of Innovation and Entrepreneurship within the Department of Commerce, and start a National Advisory Council on Innovation and Entrepreneurship that will advise the Department on small business policy.  According to a Department of Commerce press release, the Office of Innovation and Entrepreneurship "will drive policies that help entrepreneurs translate new ideas, products and services into economic growth."  The National Advisory Council on Innovation and Entrepreneurship will be made up of a spectrum of entrepreneurs and small business leaders, and will advise the ...
Friday, October 16, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles. If you find an article or blog that you think should be considered, drop us a line at media@nase.org. Opinion: Health Costs Are Crushing Small Businesses (Wall Street Journal) Health Insurers' 11th-Hour Outburst (National Journal Online - Health Care blog) When Half A Mandate Is No Mandate At All: More On Play-Or-Pay In The Senate (New York Times - You're The Boss blog) Health Reform Cost? Nobody Really Knows (CNN Money) How Far Should Companies Go To Help Workers Be Healthy? (WSJ Health Blog) ...
Friday, October 16, 2009
Q: We're starting a day care and are required to do background checks on all employees and volunteers.  What's the best way to do background checks? A: My first suggestion is to use one of your NASE benefits: e-Check Online.  E-Check provides background screening services, including criminal history, Social Security verification and more.  Go to www.NASE.org, log in and enter "e-Check" in the Quick Link box. You can also check with your state day care licensing agency.  It may provide a list of background screening companies in your state. 
Thursday, October 15, 2009
Posted by Molly Nelson - The English major in me couldn't help sharing this lyrical post from the New York Times' You're the Boss blog.  The whole post is worth reading, but this passage stuck out to me: "The guy who sold me solar panels is really a fisherman. The waiter I want sells real estate. The real estate woman is a photographer. The guy who builds bars is a fisherman/spy/ artist. The designer who consults for me is a painter. The bakery executive is a Buddhist monk. The wine salesman is a chef. The Webmaster plays bass in a ...
Wednesday, October 14, 2009
Q: I own a sub shop and have problems with employees not being ready to work at their shift start time.  In my employee handbook can I state that employees must arrive at least five minutes before their start time? A: While you can require employees to arrive at least five minutes early, you would likely have to pay them, since that would be their required starting time.  While states differ in their specific regulations, it's just good practice to pay an employee from the moment they start performing on behalf of the business.  As a general statement, what you ...
Wednesday, October 14, 2009
Preparing a budget, particularly when starting a new business, isn't just a good idea; it is vital to your success. Start by purchasing a small-business accounting software package.  Use the chart of accounts provided by the software to see the types of expenses you can expect your business to incur.  You'll see expenses such as rent, utilities, insurance, taxes, and dozens of other items.  Based on your anticipated expenses, plug in dollar amounts for the fixed costs you expect during the next 12 months.  Next, identify customers and related sales volumes.  Try to project your revenues for the next 12 ...
Wednesday, October 14, 2009
Posted by Molly Nelson - Are you sometimes away from your office, but always want to stay connected to your business?  If so, you might want to get out your smartphone and download some of these handy applications.  From processing credit card payments to holding and recording conference calls, these apps allow you to do it all from the palm of your hand (and at little to no cost). And if you're the forgetful type like me, or just don't like lugging around all of those power cords for your various appliances, check out this nifty invention. The Powermat can ...
Tuesday, October 13, 2009
Posted by Maureen Petron - Is your micro-business ready for online sales this holiday season? According to a survey by Burst Media, 85.3% of respondents will shop online this holiday season. If your Web site isn’t ecommerce enabled, you could be missing out. Gold NASE Members have an advantage, though. The NASE eCommerce benefit will set-up, maintain and host a fully functional, online store front to empower you to sell your products on the World Wide Web. You can add the shopping cart feature to your existing Web site, or choose from hundreds of templates and your Web site will ...
Monday, October 12, 2009
Posted by Molly Nelson  - Did you know that of the more than 20 million small businesses in the US, only 500,000 are currently in a position to win government contracts?  According to this New York Times guide to getting government contracts, those 500,000 aren't "the only ones capable of doing the work; [they just] know how to get the work."   Before anyone runs off to start filling out paperwork, the government usually doesn't give contracts to businesses without positive cash flow or that have been in business for less than two years.  Winning government contracts isn't easy, and ...
Friday, October 09, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles. If you find an article or blog that you think should be considered, drop us a line at media@nase.org.  Can Slumping Support For Health Care Reform Be Turned Around? (Health Affairs) Health-Care Bill Fuels Debate On Public Access To Legislation (Washington Post) Now, It's About A Strong, Robust, Real Public Option (America Blog) Adding Health Advice To Online Medical Records (NY Times) What The Finance Committee Bill Means For Doctors (WSJ - Health Blog) 
Thursday, October 08, 2009
Posted by Molly Nelson - In the first revision of its rules for endorsements and product reviews since 1980, the Federal Trade Commission (FTC) has introduced new guidelines that will go into effect December 1st.  Although the abundance of shoulder pads and neon means that things may not look very different from 1980, the shift to blogs and social media allow consumers to find information in a very different way from 30 years ago.  Under the revised rules: An existing rule that product reviewers must reveal any connection with advertisers has been extended to cover bloggers also. When endorsing a ...
Tuesday, October 06, 2009
Posted by Molly Nelson - What can we learn from reality television - other than that, say, not everyone should be out on the dance floor in sequin-covered spandex?  Up until recently, I would have insisted that reality shows didn't leave viewers with any useful lessons, and were only a primer in bad life decisions.  (I doubt that even aspiring fashion designer viewers of "Project Runway," my one reality show weakness, take much from the show since they don't have the benefits of workroom/runway critiques or Fashion Week exposure.)  However, this OPEN Forum take on ABC's "Shark Tank" does manage ...
Tuesday, October 06, 2009
We’re still pretty new to social media outreach efforts here at the NASE. We talked about it for months (a year, maybe?) before making our official plunge with a Facebook fan page, LinkedIn Group, and Twitter profile. One of the scariest things about diving into social media is that it’s out there – immediately, accessible by anyone, and you can’t take it back. If you make a mistake, or change your mind, or promote an event or benefit or article and something changes, well, you can’t recall tweets. But by the same token, social media is adaptable. You can change ...
Monday, October 05, 2009
Posted by Molly Nelson - Your business has just developed a brand new product or service - it is new and different, maybe even revolutionary.  But according to this article in the New York Times, you will likely be better off marketing your stroke of genius to customers as related to something familiar, instead of as a novel innovation.  When faced with something unfamiliar, people will automatically attempt to associate it with something familiar to help make sense of it.  You can use your marketing to take advantage of this tendency and guide consumers' understanding.  Marketing your product as similar ...
Friday, October 02, 2009
Posted by Keith Hall -- I had a great opportunity this week to provide the micro-business perspective to the House Committee on Small Business related to Expiring Tax Incentives and in particular the Alternative Minimum Tax. Really, really cool to get to speak before Congress and really an honor to represent micro-businesses. But really, why can’t I get to talk about Twitter or Facebook or maybe about how the Internet has made the world available to us small-business guys, or the NASE’s new plan for local networks of members to help small businesses get new customers, or something else that is ...
Friday, October 02, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles. If you find an article or blog that you think should be considered, drop us a line at media@nase.org.  Congress Returns To Confront Health Care, Spending Bills (NY Times - The Caucus blog) Wellness At What Price? (National Journal - Health Care blog) House Votes To Block Medicare Premium Hikes Next Year (WSJ - Health blog) Senator Brown: Rahm Is "Wrong" About The Votes For The Public Option In The Senate (America Blog) Health Reform: 3 Things You Can Count On Passing (CNN Money) ...
Thursday, October 01, 2009
Do you realize as a self-employed individual you pay 15.3 % in taxes on your health insurance premiums? Did you know you are the only segment of the business population that pays this extra tax on health insurance?A sole proprietor paying $7,000 annually for health insurance is also paying $1,071 in extra self-employment taxes because they are unable to deduct their health costs as a business expense on their Schedule C tax form.  All other businesses get this benefit.   CALCULATION:  Annual cost of health premiums X  15.3% = Amount in extra taxes   Tell the NASE how much in extra taxes ...
Thursday, October 01, 2009
Posted by Molly Nelson - Unsure of how to keep your employees motivated and morale high around your business in light of saturnine headlines about issues like the recession and H1N1 influenza?  Look for the lightbulb idea that is perfect for your business amidst these recommendations from You're the Boss, Under Armour's founder, and Inc.com.  Still not motivated?  This story from a Runner's World magazine blog inspired me today.    Readers - please share any additional motivational or morale-boosting tips in the comments! [Hat tip: Fresh Inc.]
Wednesday, September 30, 2009
Posted by Kristie Arslan - The infamous bait and switch tactic is alive and well here in Washington D.C., and I am not referring to area used car dealers but rather the halls of Congress. We have all heard the President and Congressional leaders say over and over, if you currently have health insurance and you like what you have, you can keep it. In fact, we are told that health reform for the numerous uninsured Americans will only help lower the costs for your current health plan and protect you from the tyranny of the insurance companies who can ...
Wednesday, September 30, 2009
Congress is debating health care reform as we speak.  What do you think of the proposals they have put forth to reform our health care system?  Do you think enough is being done to lower health costs for the self-employed and micro-businesses?  What is most important to you, your business and your family--lower costs or better coverage?
Wednesday, September 30, 2009
Posted by Maureen Petron -- I have an NASE benefit that I need to make sure you know about. It’s not glamorous, it’s not sexy, and it’s not even particularly that fun. But it can save you up to $3,500 a year in taxes. That’ll get your attention, won’t it? It’s the NASE HRA 105 benefit. HRA stands for health reimbursement arrangement and it allows you to deduct qualified medical expenses from your federal, state and local taxable income as well as from net earnings from self-employment. Here’s how it works, in a nutshell. Your small business adopts an HRA ...
Tuesday, September 29, 2009
Posted by Molly Nelson - You may be thinking that Netflix and your business don't have much in common (except perhaps for a shared appreciation for awesome movies).  However, as Entrepreneur's Daily Dose blog points out, you may be able to borrow Netflix's excellent use of crowdsourcing to help your small business.    Instead of spending time and resources to improve the site's internal movie recommendation system, Netflix offered a $1 million prize to the individual or team that could develop the most accurate model for use on the site.  While your business may not be able to offer a ...
Monday, September 28, 2009
Posted by Molly Nelson - Have you ever considered text message marketing for your business?  If you haven't yet, the New York Times has an easy to follow guide to text message marketing for small businesses that might make you change your mind. The article has a rather winning endorsement from Jeff Lee, the president of the text-messaging application and consulting firm that worked with the Obama campaign in 2008 to announce Joe Biden as the campaign's VP pick by text.  "I like to think of it as the certified mail of digital communications," said Lee.  "When you want to ...
Friday, September 25, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles. If you find an article or blog that you think should be considered, drop us a line at media@nase.org.  Health Insurer Tax Not What It Seems (CNN Money) Cortese On Reform: The Hard Part Is The Delivery System (Health Affairs Blog) Changes To The Baucus Health Care Bill That Impact Small Employers (The New Entrepreneur blog - BusinessWeek) Senators Stake Out Positions On The Baucus Plan (Prescriptions blog - NY Times) Health Insurance Mandate Includes 'Tax' Despite Obama Denial (Fox News) Baucus Health Bill: 564 Proposed Amendments, And Counting (Health Blog - ...
Thursday, September 24, 2009
Posted by Molly Nelson - Although the NASE has been investing in the future of entrepreneurship for two decades through its scholarship program, it is exciting to hear that many teenagers dream of starting their own business.  Jeff Cornwall's Entrepreneurial Mind blog cites a survey of teens with some results that should make all of us hopeful for the next generation of entrepreneurs: 92 percent think that entrepreneurial skills should be taught in school 51 percent are interested in starting their own companies 23 percent of teens who want to start a business said they were interested in starting a ...
Wednesday, September 23, 2009
Posted by Molly Nelson - While small business owners have taken the brunt of the recent credit crunch, according to the Wall Street Journal, some banks may be trying to win them over with offerings of new small business-specific credit and charge cards.  J.P. Morgan Chase & Co.'s Chase Card Services is launching a suite of four "Ink from Chase" cards targeted at different types of small business owners.  One of the cards, the Ink Bold, is the first charge card offered by a Visa or MasterCard issuer.  Every card in the suite allows cardholders to track and report business ...
Tuesday, September 22, 2009
Posted by Kristie Arslan - The long awaited health reform proposal by Montana’s Senator, Max Baucus, who resides as Chair of the Senate Committee on Finance has finally been released and is already being debated within Congress. America's Healthy Future Act may not provide such a robust future for the self-employed.  But let's start off with the positive before I dwell on how the self-employed are once again neglected in health reform. Highlights of Baucus Plan: Market reforms such as banning health status from being used by insurance companies to determine whether an individual or small business gets access to ...
Monday, September 21, 2009
Posted by Molly Nelson - Some free things are never disappointing, like wildflowers or late afternoon sunshine on the last official day of summer.  Other times, free things don't quite live up to our hopes or expectations.  Luckily for small business owners, Inc. has compiled a helpful list of free software programs that may benefit your business without hurting your bottom line. In addition to Inc.'s list, another free program that I would recommend is Google's Picasa photo editing software.  If you use Gmail or other Google programs you may already be familiar with Picasa's Web Albums feature.  However, the ...
Friday, September 18, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles in relation to small businesses: Concerns On All Sides Plague Senate Finance’s Health Bill (Wall Street Journal's Health blog) Bipartisan Senate Health Plan May Leave Dems Cold (Fox News) Commentary: Don't Cut Our (Public) Health Care (CNN Politics) Updated: Baucus’s Bipartisan Bid Is Set Back, But Not Necessarily Over (NY Times Prescriptions blog) Family Health Costs Jump 5% (CNN Money) Grading The President’s Health Care Speech (Health Affairs Blog) President Takes On Role As Chief Pitchman For Health Reform- Buy NOW! [Commentary] (NASE Staff ...
Thursday, September 17, 2009
Posted by Molly Nelson  - Via Fresh Inc. is an important list from Advertising Age of legal risks to avoid when using social media for your business.  Are your employees sharing company information with "friends" or "followers" that they shouldn't be?  Are you engaging in social media for your business without a social media policy?  Did you know that some people (like the Attorney General of New York State, for example) might not approve of you posting highly favorable fake reviews of your products on fake blogs?  Read the whole list for how to deal with these questions and more. ...
Thursday, September 17, 2009
Jere Smith, Accountant Liberty, Missouri   “I thought the speech was good. The fact that he is still interested in compromise is amazing. I hope he does call out those who would rather forgo fixing our broken heath care system then fix it for political reasons. People in this country need help. Who cares if it comes from a Democrat or Republican?   I thought the immediate benefits were exciting. I liked hearing legislation would immediately go into effect prohibiting insurance companies from canceling us. One of my biggest fears is that my individual insurance company will find some obscure excuse to ...
Tuesday, September 15, 2009
Posted by Molly Nelson - The Small Business Administration (SBA) and the Department of Homeland Security (DHS) released a small business-specific preparedness guide this week to help small business owners prepare for the upcoming flu season.  The guide includes planning tips for small business owners, health guidance for businesses and individuals and a section of answers to some frequently asked questions about the seasonal and 2009 H1N1 influenzas.  Small business owners can also visit flu.gov and ready.gov for more information, resources and guidance.
Monday, September 14, 2009
Posted by Molly Nelson - When considering possible locations for your small business, have you ever thought about your local shopping mall?  According to this article from the Orlando Sentinel, some malls in Florida are welcoming local small businesses to help fill empty storefronts left behind by downsizing or bankrupt chain stores.  According to the article, "regional malls and shopping centers had an average vacancy rate of 8.4 percent" in the second quarter of 2009, "the highest rate since [real estate research firm Reis Inc.] started collecting numbers in 2000." In addition, "the average annual rental rate for malls has ...
Friday, September 11, 2009
Posted by Kristin Oberlander - Here's a sampling of this week's top health care reform articles in relation to small businesses: NASE, Business Owners Respond To Pres. Obama’s Health Care Speech (NASE.org) Health Care Reform Must Help The Self-Employed (NMPolitics.net) Obama Seeks Game-Changer With Health Speech (Fox News) Tax On Expensive Health Plans Proposed (CNN Money) Democrats Promise To Send Health Plan To Obama (NY Times) 8 Questions About Health-Care Reform (Washington Post) Despite Fears, Health Care Overhaul Is Moving Ahead (NY Times) Fix Health Care. But Fix The Deficits, Too (CNN Money) Rep. Wilson Outburst Leads Senate Dems To Close Loophole In Health Reform Bill (Fox News)
Thursday, September 10, 2009
Posted by Kristie Arslan - If you’ve ever had a bout of insomnia which left you flipping through the channels of very late night television, you have run across those crazy yet oddly addictive infomercials for various products or self-help programs.  Was it me or did the President’s much hyped speech on health reform last night seem like he was trying to sell us something? Albeit he had a much more impressive backdrop and he certainly had a better pitch than those we see plugging products, but nonetheless it was the same old pitch in a fancier package. Did people ...
Wednesday, September 09, 2009
Posted by Kristie Arslan - Tonight is a big night for the President. In case you haven’t heard, President Barack Obama will be addressing a special joint session of Congress on health care reform tonight at 8pm ET. The address will be broadcast on most major (ABC, CBS, NBC) as well as cable news (CNBC, CNN, FNC, MSNBC) networks, and will also be available online at barackobama.com. I encourage all to tune in. The million dollar question, or rather the $1 trillion dollar question in this case, is what exactly will President Obama be saying in his address this evening? ...