WIPP is a national nonpartisan public policy organization advocating on behalf of its coalition of 4.7 million business women including 75 business organizations. WIPP identifies important trends and opportunities and provides a collaborative model for the public and private sectors to increase the economic power of women-owned businesses.

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New Report from the White House Council on Women and Girls


This month the White House released a report on the status of women and girls of color in the United States. The report, compiled by the White House Council on Women and Girls, covers everything from education to criminal and juvenile justice, and is an important step in assessing the policies that have had a positive impact, as well as areas that could be improved. 


According to the report, women of color have made great economic gains over the last 5 years, including increasingly choosing careers in entrepreneurship. Black women-owned business increased by 258 percent from 1997-2013, while Hispanic women-owned businesses increased by 180 percent, Asian American women-owned businesses by 156 percent and American Indian/Alaska Native women-owned businesses increased by 108 percent. As the rate of women entrepreneurship has risen, so has the number of small business loans made to women. From fiscal year 2013-2014, the SBA has increased the number of 7(a) loans made to women in all areas, including Black, Hispanic, AAPI and American Indian/Alaska Native women. 


In addition to the increasing number of SBA loans made to women of color, we have also seen more government programs focused on providing women with the tools they need to make their businesses successful. Nearly one third of businesses in the SBA 8(a) Business Development Program are women-owned, while the Women-Owned Small Business Federal Contract Program has increased the number of federal contracting dollars going to women-owned small businesses by 7.5 percent between 2012 and 2013. 

Despite these gains, women of color still have many barriers facing their economic success. High rates of unemployment, unequal pay, and under-representation in management positions affect all women, but have a larger impact on women of color. As President Obama noted, women of color "struggle ever day with biases that perpetuate oppressive standards for how they're supposed to look and how they're supposed to act. Too often they're either left under the hard light of scrutiny, or cloaked in a kind of invisibility". In order to combat these challenges, it's necessary to look at both race and gender as barriers to success, and to understand the complexity that occurs when they intersect.


By Maria L. Panichelli and Jennifer M. Horn

Cohen Seglias Pallas Greenhall & Furman, P.C.

Whether you a contractor working on federal, state or private projects, certain construction practices should be followed to insure that you and your company is protected on the project. Following certain business practices can mean the difference between a profitable construction project and one that exposes your company to financial risk. This Webinar will focus on best construction practices before, during and at the conclusion of a construction project. It seeks to outline best contracting, accounting, insurance, documentation and claims prevention strategies for beginner and experienced practitioners alike.

Give Me 5: Best Practices in Construction

Course Instructor:

Jennifer Horn, Partner, Cohen Seglias Pallas Greenhall & Furman PC 

Maria Panichelli, Associate, Cohen Seglias Pallas Greenhall & Furman PC

Wednesday, December3, 2014  *  2:00 eastern / 1:00 central / 11:00 pacific

The fiercest competitors in the federal contracting world know that, if you want to win a contract, it is imperative to fully understand all of the terms of the Solicitation.  To that end, it is critically important that you understand the type of procurement you are participating in, and the process by which you will be judged against other contractors.  Although it might not seem like it, familiarity with the procurement process can make all the difference between award and disappointment. 

As those of you who attended our webinar already know, in the federal procurement world, there are two primary contracting methods.  The first, sealed bidding, is governed by Section 14 of the Federal Acquisition Regulation ("FAR").  The second, contracting by negotiation, is governed by Section 15 of the FAR.  Those sections lay out the distinct procedures required under each type of procurement.

There are some key differences that you should be aware of before you bid.  First: vocabulary. (Nothing announces inexperience like an inability to use the correct jargon!) In a Sealed Bidding context, the government issues a solicitation known as an "Invitation to Bid" or "IFB" and the contractors, or "bidders," submit their responsive "bids."  In comparison, when the procurement proceeds under FAR Section 15, the solicitation is referred to as a "Request for Proposals"  or "RFP" and the contractors, or "offerors," submit their "proposals."    It is not just the terminology that is different, the procurement process under these two methods differs, too.

In sealed bidding, the award is made on the basis of price alone; the lowest "responsible" and "responsive"  bidder will win the contract.  A bidder is considered "responsible" if it has demonstrated the capability to successfully perform the project (i.e. the contractor actually possesses the equipment, labor, resources and experience necessary to complete the contract).  A "responsive  bidder" means a person who has submitted a bid that conforms in all material respects to the IFB.   In other words, be sure that you supply all of the information required, and that you do not get creative or try to "spin" your answers.  Conversely, do not provide extra, unsolicited information.  That type of bid will be deemed non- responsive.  Make sure you comply with all the requirements and specifications to be considered "responsive."  Only the responsive, responsible bidders will even be considered.  Of those, the lowest price bid wins, period.

In contracting by negotiation, the process is a little different.  Price is not the only factor; rather, price is weighed against other "evaluation factors" selected by the agency.  It is then determined which bidder, on balance, presents the "best value" to the government.  (Common evaluation factors include: Management Organization; Proposed Technical Approach; Past Performance; Key Personnel Qualifications; Past Experience with Similar Types of Projects; Proposed Schedule; Technical Expertise; and Small Business Subcontracting Plans.)   Upon submission of proposals, the government has two choices.  First, the contracting officer ("CO") can choose to simply award the contract to the offeror who it believes presents the "best value".  In the alternative, the CO can select certain offerors to be in the "competitive range" and conduct "discussions" with those offerors alone.  Those discussions will identify weaknesses in the proposals,  and may include persuasion, alteration of assumptions and positions, give-and-take.  The negotiations may apply to price, schedule, technical requirements, type of contract, or other terms of a proposed contract.  Following the conclusion of these discussions, the offerors are asked to submit their final proposal revision.  The CO decides, based on those final proposals, which offeror constitutes the "best value."  The contract is then awarded to that contractor.

It is important to understand these differences so that you can tailor your bid, or proposal, accordingly.  For instance, if you are responding to an IFB, getting your price the lowest it can possibly be is likely the most important thing you can do (assuming you are responsive and responsible).  The trick, of course, is to figure out a way to be the low bidder at a price that still enables you to make a profit.  In contrast, when submitting a proposal in response to an RFP, you would be wise to carefully study the terms of the solicitation, and see what other evaluation factors the government is considering.  Moreover, you should determine the weight of each of these factors.  Maybe price and technical experience together are weighted the same as past performance.   Maybe past performance, key personnel and proposed technical solution, collectively, are given equal weight as price.  After you ascertain what the government views as the most important, you should shape your proposal to address the evaluation factors in order of importance.  In these ways, you can use your understanding of the procurement process to build a better proposal, and ultimately obtain more contract awards.

Now that you realize the importance of understanding the federal procurement process, you must be dying to learn more about it, right?  Lucky for you, you came to the right place!  Get yourself up to speed on solicitations and bid/proposals using our previous Give Me 5% webinar on the FAR Fundamentals: Bidding 101, and keep an eye out on the GM5 website for the upcoming webinars in our series, including a webinar on the next step in the procurement process, Source Selection and Award.    In the meantime, if you have any questions, contact a legal professional.


The Affordable Care Act is working to deliver affordability, access, and quality to millions of Americans across the country.

Looking for health insurance that fits your needs and your budget? Look no further than the Health Insurance Marketplace. All plans in the Marketplace cover essential health benefits, pre-existing conditions, recommended preventive care and more. Open enrollment begins November 15. Enroll by December 15, 2014 for coverage that starts January 1, 2015. To find the latest, most accurate, information about the Marketplace visit HealthCare.gov.

If you have health coverage through the Marketplace, it's time to review your plan and decide if you need to make changes for 2015. Every fall, your health insurance company sends you a letter explaining changes to premiums and benefits for the coming year. You can choose to stay in your current plan (as long as it's still offered) or make changes. If you don't take action by December 15, 2014, you could miss out on better deals and cost savings.

It's easy to renew. There are 5 steps to stay covered: 

1.     Review: Plans change, people change. Every year insurance companies can make changes to premiums, cost sharing or benefits and services they provide. Review your plan's 2015 coverage to make sure it still meets your needs and you're getting the best plan for you. 

2.     Update:  Starting November 15, visit HealthCare.gov and log into your Marketplace account. Answer a few questions to get to your 2015 application - it will be pre-filled with your latest information from 2014. Step through each page of your application and make changes if you need to. This is important - even if none of your information has changed, you might be eligible for lower costs than last year! You also can call the Marketplace Call Center at 1-800-318-2596 to review or make updates over the phone.

3.     Compare:  Log into your Marketplace account and follow the "Enroll To Do List" on HealthCare.gov to compare 2015 plan costs and benefits. New and more affordable plans may be available in your area this year. If you decide to stay in your current plan, follow the directions to search by that plan's 14-digit ID - you can find the ID on the letter from your plan. Or, call the Marketplace Call Center at 1-800-318-2596 for help.

4.     Choose:  Choose a health plan for 2015. You can keep the same plan (as long as it's still offered) or select a new one that better fits your needs. If you want to stay enrolled in your 2014 plan, use the plan ID in the letter you get from your health plan.

5.     Enroll: The Marketplace open enrolment period begins on November 15. Make sure to review, update, compare and choose by December 15 to have any changes take effect on January 1.  Stay covered for 2015! Contact your plan to confirm your enrollment. Make sure to pay your premium.

If you don't finish all of the steps by December 15, we'll try to enroll you automatically so you stay covered. But this coverage might not be your best option for 2015 and you could miss out on cost savings.

If you have questions or need to find someone who can help you in person, we can help. Find local help at: Localhelp.healthcare.gov/

Or call the Marketplace Call Center at 1-800-318-2596. TTY users should call 1-855- 889-4325. The call is free.  

Happy National Cyber Security Awareness Month! It may not sound as sexy or cool as National Ice Cream Month (July), or National Jazz Appreciation Month (April), but cyber security is just as, if not more, important. In fact, Cyber Security Awareness Month is the only national awareness month out of the aforementioned that is administered and promoted by the Department of Homeland Security. Sound important yet? It should. Although we all use the internet, few of us take the time to make sure our connections are secure, our information is safe and our assets are protected. Well, this month is the time to do it. 

The Department of Homeland Security, along with the National Cyber Security Alliance, has outlined a number of topics to consider this month. Among them is the secure development of IT products, critical infrastructure and the internet of things, cyber crime and law enforcement, and cyber security for small and medium sized business and entrepreneurs. For your convenience, the DHS has even outlined tips for insuring cyber security for small and medium sized businesses, as follows:
  • Use and regularly update anti-virus and anti-spyware software on all computers; automate patch deployments across your organization to protect against vulnerabilities. 
  • Secure your internet connection by using a firewall, encrypting information, and hiding your Wi-Fi network. 
  • Establish security practices and policies to protect sensitive information; educate employees about cyber threats and how to protect your organizations data and hold them accountable to the Internet security policies and procedures.
  • Require that employees use strong passwords and regularly change them.
  • Invest in data loss protection software for your network and use encryption technologies to protect data in transit.
  • Protect all pages on your public facing websites, not just the checkout and sign up pages. 
Although these tips are crucial, they are just the beginning. Small and medium sized businesses are especially vulnerable to cyber security threats, as they often lack the resources to build a comprehensive cyber security system, yet they store significant amounts of sensitive data. To learn more about what you can do to protect yourself and your organization, access the Stop.Think.Connect.Toolkit created especially for small businesses. 
Safely surf on! 

Thank you POLITICO,The Tory Burch Foundation and Google for hosting a two part "Women Rule: Cracking the Code" event in the San Francisco Bay Area. A panel which included Jennifer Granholm, former Governor of Michigan, Janet Napolitano, President of the University of California system and former U.S Secretary for Homeland Security, and Vivek Wadhwa, Stanford Law School professor, created an electrifying conversation with several hundred women, and a few men, about Changing the Course: Fostering a New Culture for Women in Tech. The full event may be viewed here

The audience learned from Professor Wadhwa that in order to make change, the tech industry needs to stop blaming the pipeline. There is no pipeline problem in an industry that is hiring male dropouts and even placing them on their board of directors. An overhaul needs to occur with the interviewing process at most tech companies. Today, both the interviewing environment and the questions posed during the interview favor males who spend hours using technology as a toy rather than a tool. And most obvious according to Wadhwa is that women have workplace needs that differ substantially than men, especially women who are seeking work-family balance. Obtaining women friendly policies will be integral to fostering a new culture for women in tech. 

When asked what can the federal government do to make changes for women, Janet Napolitano referenced the government's ability to contract with women owned small businesses (WOSB). Her advice was for women to get into the procurement fight and seek federal contracts. She added, if and when contracts are written not for an entire airplane carrier but for parts of it, then more women and minorities will become winners in the Request for Proposal arena. Breaking an RFP into pieces is key to the dollars being spread across a wider field, one that includes women and men. WIPP attendees were delighted by this message, since it works hard to have WOSBs at the ready to get into the procurement "fight". 

Former Governor of Michigan Jennifer Granholm has a new role at the University of California's School of Engineering. She raised concerns about the number of women who drop out of tech along the way to a fulfilled career. She sees culture in the tech workplace as a key factor. In her closing remarks her call to action encouraged audience members to vote for people who will change the world the "right way". Put people in office whom you trust. 

Preceding the "Change the Course" panel was an equally stimulating one on "Rules of the Road: How can women enhance their changes of being heard in tech?". Among the three participants, there was consensus about the need for women to be relentless, authentic, and curious. Advocacy in the Capitol was viewed as being key to having women's voices heard. Done correctly, Congress can be a partner, a leverage point for solutions brought to them by constituencies like WOSBs. The WOSB legislation that WIPP obtained is an excellent example of just that, as is the July 2014 Senate Committee on Small Business and Entrepreneurship hearing on women owned business issues for which WIPP and other groups created a standing room only audience. Panelists included: Dr.Genevieve Bell, Intel Corporation- Vice President and Intel Fellow, Danae Ringelmann, Indiegogo- Founder and Chief Development Officer, Tina Sharkey, iVillage- CEO, Foundry, Co-Founder. 

Key people: Janet Napolitano, UC California- President,Janet Granholm- Former Governor of Michigan, Viviek Wadhwa, Stanford University Law School Fellow, Dr. Genevieve Bell, Intel Corporation- Vice President and Intel Fellow, Danae Ringelmann, Indiegogo- Founder and Chief Development Officer, Tina Sharkey, iVillage- CEO, Foundry, Co-Founder. 

Join the conversation on Twitter: #WomenRule

Join the Women Rule Google+ Community 




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