Resources for South Florida small businesses

•  Florida Small Business Development Centers. Counseling and training at centers in South Florida and around the state, www.floridasbdc.org.

•  SCORE Workshops, online training and free coaching at local branches, www.score.org, miamidade.score.org, browardscore.org, southbroward.score.org

• Florida Women’s Business Center. Provides training, mentoring and resources to women entrepreneurs, http://www.flwbc.org.

• The Commonwealth Institute. Helps women entrepreneurs, CEOs and corporate executives build businesses through peer mentoring programs and annually honors top women-led businesses in Florida, www.commonwealthinstitute.org.

The Hispanic Business Initiative Fund of Florida. Nonprofit, with a Miami office, provides free bilingual seminars, workshops and technical assistance to Hispanic entrepreneurs launching or expanding businesses in Florida. www.HBIFflorida.org.

•  Barry University, Barry Institute for Community and Economic Development. Counseling, workshops and training for Miami-Dade small businesses through the Entrepreneurial Institute, www.barry.edu/biced.

•  Broward College. Offers a 24-credit entrepreneurship certificate, www.broward.edu. For noncredit business courses, including training through its Entrepreneurial Institute, http://www.broward.edu/ce.

•  Florida International University, Pino Global Entrepreneurship Center. Workshops, webinars and more, entrepreneurship.fiu.edu.

•  Miami Dade College. Offers a 12-credit entrepreneurship certificate program, www.mdc.edu/business. For noncredit classes, www.mdc.edu/ce. The Meek Entrepreneurial Education Center offers many programs, www.mdc.edu/north/eec.

•  University of Miami, The Launch Pad. Workshops, networking, resources and coaching, www.thelaunchpad.org.

•  Southern Florida Minority Supplier Development Council. Connects large businesses with minority businesses across South Florida, www.sfmsdc.org.

•  Startup Florida. Programs and training, plus register your company in this Startup America initiative, www.startupfl.org.

•  Partners for Self-Employment. Offers training, technical assistance and loans in Miami-Dade and Broward. www.partnersforselfemployment.com

•  Miami Bayside Foundation. Provides loans of $10,000 to $50,000 to minority-owned businesses in the city of Miami. www.miamibaysidefoundation.org..

•  MetroBroward. Nonprofit offers financing, incubation and training for businesses in low- to moderate-income areas of Broward, www.metrobroward.org.

• ACCION USA. Provides microloans up to $50,000 and financial education, with South Florida offices and programs, www.accionusa.org.

ClearPoint Credit Counseling Solutions. Nonprofit offers one-on-one, over the phone or Internet credit counseling to entrepreneurs and consumers with poor credit. 305-463-6739, ext 1019 or www.clearpointccs.org .

•  Incubate Miami. Start-up businesses in technology can get mentorship, office space and now early-stage funding, www.incubatemiami.com.

• The Technology Business Incubator at the Research Park at Florida Atlantic University. Offers mentors, investor connections and business services, http://www.research-park.org

•  South Florida Urban Ministries’ ASSETS Business Development. Nonprofit offers small business development program including one-on-one business coaching and consulting in areas of start-up, marketing, finance and more, www.sflum.org.

• United Way Center for Financial Stability. Center offers a wide array of tools and resources to help families and individuals achieve financial independence. www.unitedwaymiami.org/WhatWeDo/CFS.

•  The Startup Forum. Organization’s mission is to foster the development of vibrant regional startup communities, www.startupforum.net.

•  StartupDigest. Begun in Silicon Valley as a place to find events for entrepreneurs, this has spread to other cities, including Miami, www.startupdigest.com

If your organization should be on this list, email ndahlberg@miamiherald.com

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Miami-Dade camping law may clash with Supreme Court ruling

When Miami-Dade commissioners voted unanimously this month to ban overnight camping at “county facility property,” they opened the doors to debate about how police should apply the measure to homeless people.

The action was a clear shot at the Occupy Wall Streeters who flooded public spaces, including outside County Hall, in the summer of 2011.

In addition to making it illegal to camp on county property, the measure toughens permitting rules for public gatherings and permissible “free speech’’ zones. It also gives police the authority to arrest violators, including the homeless.

But a 25-year-old court ruling could present a conflict, some legal observers say. A 1988 U.S. Supreme Court decision in the Pottinger vs. The City of Miami case found that Michael Pottinger and about 6,000 other homeless people in Miami could not be harassed or punished for occupying public property because doing so would violate their fundamental right to travel, and to be free from cruel and unusual punishment.

The new ordinance specifically provides that if police direct a homeless person occupying a county facility to leave, the officer first must look for sleeping space for the homeless person at a county shelter. If there is none, or if the person refuses the option, he or she can be arrested for trespassing if they remain or return to the space.

An ACLU lawyer said the measure could again open the door for police to harass and arrest homeless people.

“We’re prepared to litigate should there be issues in the future,” said attorney Dan Palugyai, who sits on the board of the Greater Miami Chapter of the American Civil Liberties Union. “Our past experience tells us it’s likely, even probable.”

During the commission meeting, County Mayor Carlos Gimenez said the homeless — at least in Miami — were protected from arrest by the Pottinger case.

The new law defines impermissible camping as the “setting up of tents, shacks, or shelters for sleeping activities or making preparations to sleep [including the laying down of bedding for the purposes of sleeping], from the hours of sunset to sunrise.”

Miami First Amendment lawyer Tom Julin said he’s troubled by that wording.

“They’re not allowing the general public to do the same type things that they, or organizations they approve of, do in a park,” he said, referring to the ING Miami Marathon and some concerts at Bayfront Park, both of which allow people to spend the night, even if there is no formal permission granted.

Commissioner Lynda Bell, who sponsored the ordinance, said it was “not meant to harm anyone.’’ After some homeless advocates expressed concern, the language was added directing police to first find shelter for homeless people and to arrest only as a last resort.

“We obviously think it’s legally sufficient,’’ said Assistant County Attorney Danny Frastai.

Still not entirely clear: How the new law would apply to county parks like Matheson Hammock Park or Haulover Beach Park. At the final meeting before the full board of Miami-Dade County Commissioners when the ordinance was adopted, it was amended from not allowing camping on “county property,” to not allowing it on “county facility property.”

“We interpret facility to mean some type of structure, like a building,” said Frastai. “If it’s a park that has a structure, we’d have to look at it.”

That’s just sloppy language, noted Palugyai, the homeless advocate. “Hopefully, there will be opportunities to clean it up.” The Occupy Wall Street crowd gathered on the west lawn at County Hall in Miami from the summer of 2011 until February, when they were finally evicted. The county says it spent $17,000 cleaning up the mess left behind.

Though the group obtained a permit to camp out there, Miami-Dade Internal Services Director Lester Sola said they should have been directed to a different spot. He blamed the confusion on vague wording in the old code, which was what led to the revision. During the discussion, Commissioner Jean Monestime wanted to know why the county needed to legislate a camping ban.

“My apprehension here is we may be opening a can of worms here.”

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8 Ways to Keep Your Screens Looking Brand New

1. Toddy Gear Smart Cloths

Toddy Gear brings coutre to screen cleaning with its line of Smart Cloths. Elegantly designed with dual-sided 100% microfiber cleaning surfaces, these are more than just cleaning tools — they’re a fashion statement. $ 14.99 Cleaning Pro Tip: Press gently when cleaning screens, LCD monitors in particular, because too much pressure can damage pixels or cause them to burn out faster than normal.

Click here to view this gallery.

[More from Mashable: Find the Right Maid Service with Bidmycleaning]

Holding your shiny new device in your hand — the one you’ve been cooing over since its release date was announced before the holidays — you’re giddy with excitement. All your shiny new toys have plastic factory screen protectors that you’ll soon discard, but no matter — you just can’t help but slide and swipe your fingers across your screens.

Those protectors had some merit when it came to keeping your shiny new screen clean. Over time and with use, grease and dust will accumulate and smudge across your screen. The screens of yesteryears were made of glass and could be easily cleaned with water or other household products. Today, device screen are likely LCD or Plasma and require more care than older CRT monitors did.

Relax though, no need to worry. There are ways to keep your screens looking shiny and new, like it just came out of the box.

Click through the gallery above for some tips and helpful products to keep your devices spic and span. Let us know your secret techniques for clean screens in the comments.

Image courtesy of Flickr, SJL

This story originally published on Mashable here.

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Collector: I want what’s wine

Let my vino go!

That’s the cry from the owner of an “irreplaceable” wine collection who is suing a Manhattan storage facility he claims has kept him from his vintage bottles since Hurricane Sandy struck.

Employees of WineCare Storage on West 28th Street have allegedly been withholding access to the $300,000 collection of real-estate bigwig Philip Waterman III, 46, since the superstorm flooded the facility.

“Until we start scanning wines to our cellar shelves, it is impossible to find the wine, much less to give accurate dates for release,” WineCare’s president, Derek Limbocker, wrote in a Dec. 26 e-mail to Waterman, the Manhattan Supreme Court suit states.

Waterman’s collection is described as “substantial, painstakingly assembled, and irreplaceable,” in the court papers. It includes 198 cases culled over 20 years.

Waterman declined to discuss the suit. WineCare did not return calls or e-mails for comment.

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5 issues small business owners will face in 2013

In 2013, small business owners will contend with many of the same issues that made it hard to run their companies during the past 12 months.

They’re also heading into the new year with a lot of uncertainty. It’s unlikely that negotiations in Congress will resolve all of lawmakers’ disagreements over tax and budget issues that affect small businesses. And there are still many questions about the implications of the healthcare law for small companies.

That points to continued caution — and perhaps slow hiring — among the nation’s small companies.

“Uncertainty is the bane of every small business,” says Scott Shane, a professor of entrepreneurship at Case Western Reserve University’s Weatherhead School of Management in Cleveland. “Their only rational response is to pull in their horns and slow down.”

Small businesses aren’t likely to get much encouragement from the economy. It’s expected to grow by no more than 3 percent in 2013, according to the Federal Reserve. That’s a moderate pace, better than the 1.7 percent that the economy grew during the first three quarters of 2012. But it’s also far from robust.

Here’s a look at some of the issues facing small businesses in the coming year:

TAXES

Lawmakers are still haggling over what’s called the fiscal cliff, the combination of billions of dollars in tax increases and budget cuts. Even if Congress reaches an agreement, small business owners won’t have the certainty they need, according to Todd McCracken, president of the National Small Business Association, a group that lobbies on behalf of small companies.

“It almost surely won’t be comprehensive enough that we won’t be revisiting it next year,” McCracken says. He’s concerned that there’ll be another fiscal cliff in six months — which would mean more negotiations and more uncertainty.

Many small business owners are worried about their personal tax rates. Sole proprietors, partners and owners of what are called S corporations, all report the income from their businesses on their individual Form 1040 returns. That means their companies are in effect taxed at personal rates, which can be higher than corporate rates.

One of the most important tax provisions for small businesses, what’s known as the Section 179 deduction, will shrink to $25,000 next year from $125,000 in 2012. The deduction, which applies to equipment purchases, was $500,000 in 2011. Congress can increase the deduction at any time, even after 2013 has begun. But for the time being, business owners can’t count on getting a big break.

“It’s a huge change for companies planning on making investments,” McCracken says.

It’s not known if Congress will extend the 2 percentage point payroll tax cut that workers have had for two years. If it doesn’t, consumers will have less money in their paychecks to spend, and that is likely to affect retailers and any other small businesses that sell directly to the public.

HEALTHCARE

Healthcare has been another source of uncertainty for small business owners. The new year will bring some, but probably not all, of the answers to questions about how the new healthcare law will affect them. Many will have to devote some time to understanding the law — or hire someone to help them do it.

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Megachurch members raise $600,000 for charity in two days

This is truly a Christmas miracle.

When Christ Fellowship Church asked its parishioners to help make "an everlasting impact on the hurting and under resourced this month", the idea was simply to raise $337,000 on the weekend of Dec. 15 and 16.

The result was overwhelming, when thousands of families attending one of the megachurch’s six campuses throughout Miami-Dade County decided it was truly more blessed to give than to receive, and raised more than $601,000 in two days.

According to Aimee Artiles, a spokeswoman from the church, "Thousands of churchgoers waited in line to give, using debit cards, writing checks, and turning in cash." Every penny of the money collected will be used to help the hurting and under-resourced in Miami and India," she said.

Artiles said more than half the money will stay in Miami, and will be used by a nonprofit organization affiliated with the church, Caring for Miami, to help meet the dental, medical and mental needs of thousands in South Florida. Caring for Miami’s most recent tax return lists the organization’s largest activities as including counseling on abortion alternatives, post-abortion counseling, assistance to homeless people, and aid to proselytizing activities.

The Rev. Rick Blackwood, senior pastor of the church said, "Christ Fellowship is blessed with the capacity to dream big. This December, we challenged everyone, including our own staff, to give big and be a light to their community and the world. the results were astounding."

Even the children’ were encouraged to bring in a new gift for a local foster child, as well as donate their own pennies to help another child in need. The children alone, raised $3,814.05 in pennies. The middle and high school youngsters were encouraged to leave their own shoes behind after service and more than 1,855 pairs of shoes were

collected in one weekend and will be shipped to others in need in countries like El Salvador, the Dominican Republic, Jamaica and Haiti.

Christ Fellowship is one of the region’s largest churches, with campuses in downtown Miami, Palmetto Bay, West Kendall, Homestead, Redland and Coral Gables. For more information about the church, call 786-486-7339 or visit www.cfmiami.org.

Pastor honored

On Jan. 5, Bishop Walter H. Richardson, one of the longest serving pastors in Miami-Dade County, will celebrate his 90th birthday. To honor him, his church family will have a gala dinner at Miami Shores Country Club, followed by a special worship service on Jan. 6, in the church sanctuary at 1351 NW 67th St. in Liberty City.

Richardson is one of the county’s unsung heroes. He quietly goes about doing all the good he can for the downtrodden and those who are victims in natural disasters throughout the world. And he hasn’t just started doing good; when millions were homeless during the Rwanda crisis, he spearheaded a movement in the church to collect t-shirts, soap, medical supplies and ponchos for children whose parents had been killed in the civil war and were living in refugee camps. His efforts spilled over into the community and members of the congregation met two evenings to pack the items, which the church then paid thousands of dollars to have the items shipped to Africa.

He did the same thing when there was a natural disaster and thousands in the United States, Haiti, the Bahamas, Jamaica and other Caribbean countries needed help.

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‘We Are Young’ Performed on Vintage Computer Parts

Old computer parts find new life as rock stars with a little help from YouTube user BD594. The “band” — we’ll just call ‘em the Ctrl-Alt-Deletes — perform a delightfully geeky rendition of the hit fun. song “We Are Young.”

[More from Mashable: If Santa Were a Hipster]

Vintage hard drives provide the beat as a Yamaha CX-5 tickles the ivories and an HP Scanjet 3C plays frontman with the vocals. Pssh, and you thought the Rolling Stones looked old and outdated.

[More from Mashable: 10 People Who Suffered Awkward Christmas Moments]

BONUS: Top 12 Memes of the Year

12. Photobombing Stingray

Five years ago, three college girls on a Caribbean vacation got a serious case of the heebeejeebies when a stingray photobombed their “say cheese” moment. The hilarious photograph could have ended up as just a fond vacay memory if it weren’t for a friend, who shared the image on Reddit in September of this year.

Click here to view this gallery.

Thumbnail image courtesy of YouTube, BD594

This story originally published on Mashable here.

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My offer: nothing

Time Warner Cable boss Glenn Britt’s message to low-rated cable networks is simple: You’ll get nothing, and like it.

Britt — who is looking to rein in soaring programming costs by culling channels with smaller audiences — has started telling some programmers that they can either go dark or get no fee at all in return for continued distribution on his service.

The networks must “take carriage for no payment,” meaning forfeit their usual subscriber fees while they work to improve their ratings, according to one person familiar with the talks.

The take-it-or-leave-it approach has come up in renewal negotiations with several channels, including IFC and WE TV, whose contracts end Jan. 1. Those talks are expected to go down to the wire, sources said.

WireImage

Time Warner Cable’s Glenn Britt (above) appears to be aping a famous movie quote in the firm’s carriage dealings with some of the smaller fry networks.

Typically, programmers ask for a 10 percent to 15 percent increase in per-subscriber fees each time a pay-TV contract comes up for renewal. IFC and WE are likely asking for less than 10 cents a month per subscriber.

The networks are part of the James Dolan-controlled AMC Networks. The flagship AMC channel isn’t part of the talks and is unlikely to be in danger of being booted, as it aired cable’s highest-rated show of the year, “Walking Dead,” which garnered an average 11.7 million viewers.

Already, Time Warner Cable, New York City’s largest cable provider, has kicked off at least one network that refused to accept its terms. Ovation, an arts and music channel, will be dropped at the end of the year.

Sources say Crown Media’s Hallmark channels, including the movie channel that was considered on the bubble, have reached a deal for renewal with Time Warner.

The two AMC Networks channels aren’t the only ones coming under fire.

Several sources say NuvoTV, an English-language cable channel targeting Hispanics, is also getting booted from digital basic as part of a realignment of Time Warner Cable’s programming tiers. Nuvo, previously known as Si TV, is part owned by singer and actress Jennifer Lopez.

Britt has been trying to cut back on programming costs from less popular networks in response to spiraling fees from more popular channels, in particular sports programming.

On its customer relations website, twcconversations, Time Warner Cable contends: “We are pushing back against TV networks that demand more money without delivering more value.”

The company says if it paid 2 cents more per day for the 80 channels it carries, it would add $48 a month to a bill. While the network hasn’t announced plans to pass along any cost savings to customers from its cable culling, it says it is “developing more flexible packaging options.”

Separately, Time Warner Cable has been strong-arming smaller channels when it comes to what content they air online — even on the networks’ own websites.

The cable company wants to be the first place customers see TV shows. As part of a push to preserve the current pay-TV system, it is pushing back against networks that make content available for free online, according to sources.

Time Warner Cable declined comment.

catkinson@nypost.com

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Deadline to apply for free foreclosure case reviews is Monday

Florida residents who believe they suffered from shoddy foreclosure practices have through Monday to apply for a free case review that could net them up to $125,000 if wrongdoing is found.

The program, which is overseen by the Office of the Comptroller of the Currency, began in November 2011 with an estimated 4 million eligibility letters mailed nationwide.

As of late September, just 3.8 percent of Floridians who were sent letters about their eligibility for the review have applied.

Cases are eligible for review if the foreclosure was on a primary residence in some stage of foreclosure during 2009 and 2010. The foreclosure had to have been handled by one of 24 banks or mortgage servicers named in consent orders crafted in response to findings of foreclosure deficiencies. The affected servicers can be found at independentforeclosurereview.com.

Problems contacting borrowers who may have been evicted from foreclosed homes, as well as borrower fatigue in applying for aid programs probably contributed to the limited response, some foreclosure defense attorneys said.

“A lot of these homeowners have been promised a lot of things in the past that were never fulfilled,” said attorney Ron Kaniuk, of Sachs Sax Caplan in Boca Raton. “It’s the law of diminishing returns. Once you are disappointed a few times, you stop filling stuff out.”

The Independent Foreclosure Review is separate from the $25 billion attorneys general settlement reached in February.

Nationwide, the return rate of borrowers responding to eligibility letters was about 5.3 percent through Sept. 27. Since then, an additional 121,677 borrowers have applied nationwide, said Bryan Hubbard, a spokesman for the Office of the Comptroller of the Currency.

The original deadline to apply for the review was April 30. It was pushed back to July 31 and then Dec. 31.

Reviewers are looking for several problems including failure to put a homeowner on a permanent loan modification after he or she successfully completed a trial period, foreclosing on a borrower while he or she was current on payments under a loan modification, and not providing a borrower with proper notification during a foreclosure.

Remediation to borrowers can include credit fixes, reimbursement of improperly charged fees, and lump-sum payments of between $500 and $125,000.

For more information about the Independent Foreclosure Review, call 1-888-952-9105.

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Outdoorsy fun for the New Year’s holiday

So, as Miss Ella once sang, What Are You Doing New Year’s Eve?

Many of you, of course, will ring in 2013 with champagne and dancing at one of the clubs in Miami Beach or downtown Miami — and many of these same people will wake up with a hangover Tuesday only to wonder why they spent $2,000 to be in the same space as R&B/hip-hop act Drake and a DJ at the Fontainebleau or depressed that they spent $1,500 for a VIP table at the Catalina’s Studio 54 party to hear ’70s disco when they could have played Donna, Gloria and the Village People at any old time on iTunes for a few houseguests.

Clubbing not your thing? Good thing you live in South Florida, where going outside generally makes sense at this time of year. Here are some suggestions for activities, with an accent on the great outdoors and even a little fitness thrown in for good measure.

King Mango Strut

The annual spoof of the Orange Bowl Parade — or whatever some politician wants to call it now, as in ‘La Gran Naranja’ — has been “putting the ‘nut’ back in ‘Coconut Grove’ since 1981,” its ads tout. This time around, being an election year should provide plenty of fodder, and not just the silliness going on in West Kendall and Brickell, where some people are still waiting to cast a vote in the presidential race. (Obama won, go home.) The snarky parade pokes good-natured fun at the people and things behind the events that made the news snap during the year. This year’s grand marshal will be Clint Eastwood’s chair, fresh from the Republican National Convention.

This year’s parade takes place at 2 p.m. Sunday in downtown Coconut Grove on the corner of Commodore Plaza and Main Highway. The wacky participants turn left onto Main Highway and then left onto Grand Avenue at CocoWalk. Get comfy along the street and prepare to giggle. Call the Mango Hotline at 305-582-0955 for information.

The ball drop

You can go traditional and watch the ball drop in downtown Miami at the Bayfront Park Amphitheater New Year’s shindig. The free event features music and the midnight countdown for the dropping of the Big Orange, followed by fireworks. Be there at 301 N. Biscayne Blvd. Call 305-358-7550.

Just want the fireworks part? Miami Beach’s New Year’s Eve Party offers a free fireworks celebration at midnight on the beach near Ocean Drive and Eighth Street, if you can tear yourself away from Carl Cox at Mansion and Calvin Harris at Liv. Call 305-673-7400.

Bike It

Shark Valley, on the Tamiami Trail about 35 miles into the Everglades, is a real South Florida experience. Cycle amid gators — and we’re not talking the University of Florida variety. Alligators, wading birds and turtles frolic freely in the greenery along the 15-mile round-trip bike path. A multilevel observation at the midpoint offers a nice break spot for a boxed lunch or photo ops. There are no shortcuts, but you can opt for a tram tour. Call 305-221-8776.

Other leisurely bike rides around town include the shaded 13 or so miles of the Old Cutler Trail in South Miami, and you can pop over to Pinecrest Gardens for the Sunday Green Market, one of South Florida’s best farmers markets. North Dade residents aren’t too far from the restored Hollywood Beach Broadwalk for some nice ocean views while cycling or strolling.

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