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We are facing a new frontier in the ever growing challenge to close the skills gap impacting many of us in business. The deficiency in digital literacy has created a need for companies to evolve in the understanding that literacy in technology has become equally as important as literacy in the English language; our workforce must be technologically fluent to compete in a global economy.

In alarming numbers, teenagers who think they are fully prepared to make ethical decisions are also driven by the pursuit of success to cheat, by time constraints to plagiarize, and by vengeance to inflict physical violence. This paints a disturbing picture for employers who will be relying on this age group to fill the pipeline in their future workforces. The fifth annual JA/Deloitte Teen Ethics Survey found that while most teens (71 percent) feel fully prepared to make ethical decisions in the workplace, nearly 40 percent of those young people believe that lying, cheating, plagiarizing, and violence are sometimes necessary to succeed in school. Download the attached Executive Summary and survey results documents to learn more.

"Community Technology Programs Deliver Opportunities to Youth" is an 8:46 minute video in which young people help tell the story of why access to quality technology and training matters to their future. The video covers health improvement, educational achievement, workforce training and civic engagement of young people through the use of information and communications technology.

Too often, entrepreneurs who start their own small businesses have almost no experience in managing a company. It's common practice for business owners, especially new ones, to conduct research and consult with experts on how to run a business. This endeavor will give you great insight so you are able to anticipate unwanted events that could send your company spiraling out of control, and to allow you to build a contingency plan to get things back on track. There will, however, always be time-robbers and inefficiencies in your staff or workforce that will incur drawbacks and get your business a few calls from disappointed clients or customers.

An estimated 13% of the American workforce consists of independent contractors, including many independent adjusters. Being self-employed, and/or working under the protection of a business entity such as a Limited Liability Company (LLC), means that you aren't privy to benefits that W2 employees may have. Retirement planning - including employer contributions and the ability to defer your own pay, tax-free - is one of those major benefits. You'll be happy to know, however, that there are retirement planning opportunities for the self-employed (including independent adjusters) that offer similar - if not superior - opportunities.