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2013 CNMI-SBDC Business Resource Guide

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2013 CNMI-SBDC Business Resource Guide CNMI 2013 business resource guide A publication by the CNMI Department of Commerce’s CNMI Small Business Development Center & Commonwealth Development Authority Table of Contents CNMI Business Resource Guide CHAPTER 6 – ADMINISTERING EMPLOYEES . 33 Chapter 1 – ABOUT THE CNMI . 1 Complying with Equal Employment Opportunity Laws . 33 Chapter 2 - BUSINESS PLANNING . 5 Complying with Employee Safety and Health Protection Laws . 33 Introduction . 5 Establishing Wages and Hours . 34 SAMPLE BUSINESS PLAN OUTLINE . 5 Complying with the Workers’ Compensation Insurance Law . 34 Chapter 3- DEFINING AND REGISTERING Finding Employees . 35 BUSINESS ENTITIES . 9 Foreign Workers . 35 Introduction . 9 Providing Employee Benefits . 36 Obtaining A Business License . 11 Filing Employment Taxes . 37 Special Licenses . 11 License Fees . 11 Chapter 7 - PHYSICALLY SETTING UP AN OFFICE Obtaining Special Licenses/Certificates . 12 OR FACILITY . 39 Banking and Insurance Licenses . 14 Leasing Land . 39 Environmental Health . 17 Complying with the Building Safe Code . 39 Gaming and Amusement operation Licenses 18 Complying with Public Accommodations Professional Licenses . 19 Requirement of ADA . 40 Taxicab Operation Licenses . 20 Renting or Leasing an Office or Facility . 40 Business And Investment . 21 CHAPTER 8 - HOOKING UP TO THE LOCAL CHAPTER 4 – OPERATING A BUSINESS . 26 UTILITY . 42 Getting Loans and Financial Assistance . 26 Commonwealth Utilities Corporation (CUC) 42 Opening a Bank Account . 27 Obtaining Telephone Services . 42 Protecting and Preserving the Environment 27 Other Information and Resources . 43 CHAPTER 5 - PAYING CNMI TAXES . 30 AGENCIES AND ORGANIZATIONS . 45 Health Care Impact Tax Bill (HB 18-34) & Non-Communicable Diseases (NCDs) HB 18-34 aims to increase the sin tax on tobacco Tobacco abuse is the single most critical risk factor and alcohol and introduce a sin tax on related to the leading chronic diseases in the CNMI- sugar-sweetened beverages (SSB); the most critical cancer, heart disease, and emphysema. risks associated with NCDs. FACT #1 FACT #6 About 7 out of 10 deaths in the CNMI are due to Children born in the year 2000s will be the “rst NCDs (i.e. heart disease, stroke, cancer and generation who would die before their parents due diabetes). to NCDs.” FACT #2 FACT #7 CHC reported a 126% (N=34) increase in newly Evidence shows that a higher tax is the most registered dialysis patients in 2012 compared to eective way to reduce use of the sin tax products, 2011(N=27). especially among the youth and the poor. FACT #3 FACT #8 PSS reported in 2013 that 57% of students are at HB18-34 aims to: 1) Reduce use and limit access of risk of obesity. unhealthy products; and 2) Fund NCD prevention, medical care cost and MPLT loan. FACT #9 FACT #4 The 2011 CNMI Youth Risk Behavior Survey (YRBS) revealed current alcohol use among high school students have increased to 41.4%. - National Institute of Health FACT #5 Governor Eloy S. Inos signed a NCD Emergency Directive on April 18th, 2013 to mobilize “whole of society” to address the NCD crisis in the CNMI. FACT #10 *More facts and data sources are available by emailing: [email protected] . CHCC Division of Public Health Services HB18-34 & NCDs Fact Sheet Version 2 (05/23/13) Health Care Impact Tax Bill (HB 18-34) & Non-Communicable Diseases (NCDs) Welcome to the CNMI Business Resource Guide! We hope you find the CNMI Business HB 18-34 aims to increase the sin tax on tobacco Tobacco abuse is the single most critical risk factor Resource Guide a useful source of and alcohol and introduce a sin tax on related to the leading chronic diseases in the CNMI- information for your company . In this guide you will find a valuable compilation of sugar-sweetened beverages (SSB); the most critical cancer, heart disease, and emphysema. relevant business information, as well as risks associated with NCDs. public and private business resources . Our FACT #1 FACT #6 goal is to make the process of doing business CNMI SBDC in CNMI easier . We do this by setting out COMMONWEALTH OF THE NORTHERN ISLANDS all of the basic information that businesses About 7 out of 10 deaths in the CNMI are due to Children born in the year 2000s will be the “rst SMALL BUSINESS DEVELOPMENT CENTER generation who would die before their parents due PISBDCN ... in Partnership with the U.S. SBA operating in CNMI need to know, and by NCDs (i.e. heart disease, stroke, cancer and providing contact information to professional to NCDs.” diabetes). and industry specialists that can help you start-up, grow and expand your business . FACT #2 FACT #7 Please note that businesses operating in CNMI must comply with the laws and CHC reported a 126% (N=34) increase in newly Evidence shows that a higher tax is the most regulations of both the United States registered dialysis patients in 2012 compared to eective way to reduce use of the sin tax products, Government and the Government of the 2011(N=27). especially among the youth and the poor. CNMI . The CNMI welcomes new businesses to its business community family . We trust FACT #3 FACT #8 you will find that operating a business here to be both a personally rewarding Commonwealth and a profitable experience . With proper PSS reported in 2013 that 57% of students are at HB18-34 aims to: 1) Reduce use and limit access of planning, sound management practices, well risk of obesity. unhealthy products; and 2) Fund NCD prevention, Development trained employees, the appropriate level of medical care cost and MPLT loan. investment, and access to credible sources Authority of business information, we believe that you will then have laid the foundations for FACT #9 FACT #4 a bright and prosperous business future in CNMI . The 2011 CNMI Youth Risk Behavior Survey (YRBS) The CNMI Small Business Development revealed current alcohol use among high school Center is a member of the Pacific Islands students have increased to 41.4%. - National Small Business Development Center Network Institute of Health (PISBDCN) . Its mission is to support the FACT #5 growth and economic development of the U .S . affiliated islands in the western pacific by providing free, one-to-one, confidential business counseling and high quality training CNMI to existing and prospective small businesses . Governor Eloy S. Inos signed a NCD Emergency Directive on For more information about the PISBDCN’s Department of programs and services, please visit www . April 18th, 2013 to mobilize pacificsbdc .com or communicate directly with “whole of society” to address COMMERCE the PISBDCN’s Service Centers located in the NCD crisis in the CNMI. the areas of the Republic of Palau, Republic FACT #10 of Marshall Islands, Federated States of Micronesia (Yap, Chuuk, & Kosrae) and *More facts and data sources are available by emailing: [email protected] . Commonwealth of Northern Mariana Islands . CHCC Division of Public Health Services HB18-34 & NCDs Fact Sheet Version 2 (05/23/13) CNMI GUAM Pacific Islands Small Business Development Center Network PISBDCN CHUUK YAP RMI KOSRAE PALAU CNMI Small Business Development Palau SBDC Kosrae SBDC Center P .O . Box 9 P .O . Box 577 CNMI Department of Commerce Koror, Palau 96940 Tofol, Kosrae State FM 96944 Capitol Hill Tel: (680) 587-6004 Tel: (691) 370-2751 Tel: (670)664-3018 Fax: (680) 587-1549 Fax: (691) 370-2066 Fax: (670)664-3067 Perry Inos Jr . Director Republic of the Marshall Islands Yap SBDC Email: perry@pacificsbdc .com SBDC P .O . Box 1171 P .O . Box 1727 Colonia,Yap FM 96943 Guam SBDC Majuro, Marshall Islands 96960 Tel: (691) 350-4801 Leon Guerrero School of Business & Tel: (692) 625-3685/3384 Fax: (691) 350-4803 Public Administration Building Fax: (692)-625-3821 University of Guam PO Box 5014, UOG Station Chuuk SBDC Mangilao, Guam 96923 P .O . Box 1604 Tel: (671) 735-2590 Weno, Chuuk FM 96942 Fax: (671) 734-2002 Tel: (691) 330-5846 Fax: (691) 330-5847 1. About the CNMI 1.1 Historical Background Settlement in the Mariana Islands This prosperous period came to an end began over 4,000 years ago with the arrival in December 1941 with the outbreak of COMMONWEALTH OF THE NORTHERN of seafaring explorers from Southeast the Pacific War . The American invasion of MARIANA ISLANDS comprises a chain of Asia . These immigrants are the ancient the Marianas began with the amphibious fourteen islands possessing a combined ancestors of the modern day Chamorros, assault against Saipan on 15 June 1944 land area of 184 square miles spread out the indigenous residents of the Mariana succeeding in wresting the island from its over 264,000 square miles of ocean . They Islands . Ancient Chamorros were skillful determined Japanese defenders . are the northernmost group in a region horticulturalists, mariners and fisher folk Airfield construction began of the Pacific commonly referred to as who adapted to an environment made immediately . By early 1945, five B-29 Micronesia . challenging by periodic droughts and wings were operating out of fields on Located just north of Guam, the powerful tropical storms . Guam, Tinian and Saipan . The full potential Mariana Islands are on the edge of the Europeans first arrived in the Mariana of the Marianas airbases was realized in Philippine Plate . Saipan is 3,300 miles from in 1521 when Ferdinand Magellan touched August 1945 when Tinian-based B-29s Honolulu; 5,625 from San Francisco; 1,272 at Guam . Forty-four years later the islands dropped atomic bombs on the Japanese miles from Tokyo; and 3,090 miles from were officially claimed by Spain . In the cities of Hiroshima and Nagasaki . Shortly Sydney . They were formed by underwater early decades of the nineteenth century, thereafter, Japan sued for peace, thus volcanoes along the Marianas Trench .
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