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It seems like small business financing options are everywhere today. Commercials on the Internet, television and radio tout simple, hassle-free loans and lines of credit to small business owners. But at the same time, politicians and Wall Street pundits are complaining of tight credit markets for small business and lack of financing holding back the economic recovery. So, what exactly is going on?

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Univest
For retirement plan investors inertia can be a powerful force. That is one reason that the use of auto-enrollment is an increasingly popular plan design feature. Auto-enrollment flips the choice architecture facing the participant and forces the employee to choose to opt-out of participation rather than choosing to opt-in. Many plans that have implemented an auto-enrollment feature have seen participation rates increase as a result.

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Tax time is upon us, and with it, questions from employees about the various forms they receive. One form that employees may not be familiar with is the 1095-C. These are used to identify all ACA defined full-time employees, spouses and dependents that were offered coverage. Employers will use Form 1095-C, “Employer-Provided Health Insurance Offer and Coverage,” to track coverage access and employee premium share information on a monthly basis.

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American’s love statistics. Well maybe not the college course, but we love the numbers side of sports, games and everyday living. The recent explosion of fantasy sports is easy proof. As a society, Americans have a tendency toward measuring performance.

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Univest
“The homebuyer is putting down 20%, but still wants seller assist. Why?” This is a common question. The answer shows the value of using other people’s money in a real estate transaction.

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Univest
It’s been said that “all politics are local,” but in 2016, the big headlines will no doubt be driven by the national presidential election process. The candidates, their words and actions will be gleaned over, but what does it all mean to the markets, specifically stock returns?

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Univest
As a recent guest on Univest’s Building Your Business series on WBCB 1490 AM, I was able to share the benefits that business owners can reap by participating in a peer advisory group. The power of a group of CEO's and business owners committed to being better leaders, making better decisions and getting better results is invaluable.

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Univest
Every January, we start to think about how we would like to better ourselves in the upcoming year. Whether you want to improve yourself personally or professionally in 2016 you will need to set goals to keep you on target. There are two types of goals: result goals and activity goals.

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Univest
The Investment Committee of the Univest Wealth Management Division, under the direction of Thomas Cassidy, Chief Investment Officer, recently met to discuss implications of key performance indicators in order to chart our strategy for the coming months. Despite early volatility in the stock market we expect prices to rise in the coming year. The following is the Committee’s outlook for 2016.

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Univest
Earlier this week, I was a guest on Univest’s Building Your Business show on WBCB 1490 a.m. The show aims to tackle challenges that face local small businesses by providing insight, solutions and tips. As an author and speaker, I have come up with a few principles that all entrepreneurs/small business owners should apply in their life – both personal and business. Here are two to get you started:

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Univest
The Affordable Care Act has triggered a significant rise in expenses for employers since its inception, and this past year has been no exception. So, what can businesses do if they don't have the money to pay more, but they still want to provide employee benefits? There are a number of alternative benefits funding strategies that can help mitigate the financial impact of a community rating environment.

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Univest
After the busy rush to year-end and taking time to celebrate the holidays, many business owners are anxious to get back to work to continue those activities which provide them a living. While many individuals reflect on aspects of their life that they desire to improve upon in the upcoming year, too frequently, business owners neglect to do a similar assessment of their business. This is often due to a desire to get “back to work.” But at this time of year, it is important to commit some time to critically reflect upon your business. I encourage my clients to ask themselves these questions about their business:

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