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a. Eliminate less [link widoczny dla zalogowanych] critical insurance (such as dental and vision coverage);
4. Increasing or decreasing business hours
2. Reducing employer provided insurance
1. Cutting your workforce
It's never an easy thing to do, but there are times when laying off employees is unavoidable. With most businesses, an economic slowdown leads to a reduced workload, and fewer resources to support the current workforce.

3. Decreasing advertising costs
Although advertisers will warn [link widoczny dla zalogowanych] you that this is the worst possible time to cut back on your advertising budget, you have to consider the source of that [link widoczny dla zalogowanych] advice.
This too shall pass
b. [link widoczny dla zalogowanych] Slash health insurance?costs by 30% or [link widoczny dla zalogowanych] more by adopting higher deductibles and/or co-pays
While in your particular business sector, keeping [link widoczny dla zalogowanych] your advertising dollars at work makes the most sense, you alone are in the [link widoczny dla zalogowanych] best position to make that [link widoczny dla zalogowanych] determination.
The point here is to maximize your return on investment. You will [link widoczny dla zalogowanych] have to do the math to see which option makes the most sense for your business.
Assuming that you provide employer-paid benefits, a more palatable solution to reducing employee-related expenses is to reduce the benefits provided to your full-time workers. Some options:
If you run a service business out of [link widoczny dla zalogowanych] your home, lengthening your business day may be an easy way to catch those few extra clients that call after normal hours.
Hard economic times force us all to [link widoczny dla zalogowanych] make unpleasant choices. Be sure to carefully consider all options before making any decisions. The most important objective should [link widoczny dla zalogowanych] be the survival of your business until the current economic storm passes.
On the other hand, if yours is a store-front retail business, the required expense of having at least [link widoczny dla zalogowanych] one employee on the premises, may make longer hours an illogical choice (unless there is sufficient demand by shoppers during those hours). Instead, closing early and opening late (assuming these hours are slower than average) will improve your bottom line.
Seek [link widoczny dla zalogowanych] advice from your insurance agent to discuss the alternatives.
Source: from ArticlesFactory.com
If you decide to go this route, visit the Department of Labor website in your state, to ensure that you comply with all state employment laws and regulations.
To survive [link widoczny dla zalogowanych] as a business owner in this difficult economic climate, you are likely to be faced with some hard choices.