色五月开心五月丁香五月高管变阵,俞敏洪“开刀”新东方在线

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  宋喬立刻鑽進了被子,等雲瑯穿好衣裳去抱閨女的時候,小床上已經是一片汪洋。   一般情況下,曹襄在的時候,雲瑯一般不告訴他後世人對貴族的定義。色五月   等陛下吧該動的全部動完了,就該全力以赴的對付匈奴人了,攘外必先安內,這就是陛下此時的想法。开心五月   “太好了,這才像個樣子,《長歌行》的曲調配上這種催人上進的詩歌才是真正的好東西。你呀,少點散漫,懶惰的樣子,多點正經,將來就一定可以擔當大任的。萬萬不敢仗著自己聰明,就把好好地才華給糟蹋了。”   長平從牛氏手里接過孫子,逗弄了一會道︰“怎麼可能會少了我信兒的一口吃食,只是不該借著信兒的名頭去跟雲氏提條件,以後要記住了。”丁香五月   雲瑯快活極了,一下子就抱著閨女站起來在地上一連轉了好幾個圈子,最後把閨女送到脖子上,來回的在地上走動。

As with the government shutdown before it, the costs of tariffs for Chinese imports on small businesses do not end when politicians say they do

20Jun

As the trade war between the US and China continues and billions of dollars in tariffs continue to weigh down the supply chains of America's small businesses, we may be reminded of another recent political decision that ended up hurting American businesses and workers most of all.

The cost of the shutdown

In the weeks following the end of the longest-ever federal government shutdown earlier this year, there was much talk of the cumulative effect that the shutdown had on the economy a permanent loss of $3bn, according to a Congressional Budget Office estimate.

While the losses that private sector businesses experienced during the shutdown were real and painful for millions of Americans, the CBO's analysis did not incorporate indirect effects, such as the lack of access to government-backed loans specifically, small business administration (SBA) loans.

SBA loans are considered the gold standard of small business loans. They are not funded by government money but dispersed by trusted partners and backed by a federal guarantee. SBA loans are important tools for small business owners who qualify: It is rare to find traditional loans with interest rates and repayment terms that beat SBA loans.

During the shutdown, the processing of SBA loan applications was forced to an indefinite stop. As days dragged into weeks, reality set in for small businesses: If you want to make investments in your business an expansion or renovation, new hires, refinancing you may not be able to wait.

Many did not. According to data sourced by Fundera, 11% of businesses that were ready to receive SBA loans these were businesses that passed FICO small business scoring service (SBSS) and would fund tomorrow if they could instead opted to get financing from a different source than the SBA during the shutdown. In all, 50% of businesses who started an SBA application with Fundera went on to submit loan applications for other products during this time period.

This is no small thing. Some business owners decided to move ahead without receiving the best funding possible. As a result, they may end up paying out more in interest rates and other fees, over a shorter repayment period.

The long-term impacts

In all, a wealth of opportunities may have been wasted, squandered or otherwise gone unrealized as contractors moved on, deals dried up and decisions were made to move ahead while small businesses missed out on more than $2bn in halted funding from the SBA.

Couple these lost opportunities to acquire affordable funds with the lost revenue from decreased demand during December and Januaryand many small businesses may now be mired in uncertainty rather than prosperity.That is because a business that qualifies for an SBA loan can stretch their debt and shrink their monthly payments. This frees up cash flow that they can put into their pockets, reinvest into their business, pay down additional debt, expand, grow, hire and ultimately have a better chance of success.

The SBA has reportedly been working hard on processing loan applications since the government reopened. But just as government contractors will not receive back pay, America's small businesses will be unable to return their less-optimal funding for SBA loans.

The cost of Chinese tariffs

A similar sort of uncertainty is playing out today thanks to tariffs on billions of dollars' worth of Chinese goods with the potential for even more tariffs in the weeks to come, covering every sort of Chinese import. According to a poll of 1,700 small business owners, 43% of businesses said that their costs are increasing as a result of the additional 15% duty tax they may need to pay on imports. Businesses which for years cultivated trusted Chinese manufacturers will now have to pay untenable prices for their wares or seek less experienced and poorer quality suppliers in countries like Indonesia and Vietnam.

Will these tariffs last through next month? Will they last through the end of this presidential term? Will they go another four years? Business owners can take out loans or find workarounds to mitigate the hits to their bottom lines, but at the end of the day, they will still pay a ton in tariffs, in lost business, in poorer quality that can kill their business over the course of a few short months.

Most politicians agree that small businesses are the engine of America's economy, as they make up 99.7% of US employer firms but long-term government shutdowns and supply chain price hikes stall that engine and force many of its components to halt entirely.

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