It’s not just the big businesses that trade internationally. Small- and medium-size businesses account for 98% of U.S. companies that export , but there’s a lot that a business owner may have to figure out first. Whether you’re on a scouting mission or meeting a potential trade partner , ensure you can use your phone while abroad. Instabridge eSIM lets you use your mobile device in more than 190 countries without incurring roaming charges. For $99, you can get a three-year plan to Instabridge eSIM, so you’re always ready to stay connected abroad. Save your travel budget for impressing new clients and business partners. This subscription gives you 2GB of data per month, but you can always buy more as needed or get free mobile data packages just by watching ads. That means there’s one less thing to plan before your next business trip. Instabridge is compatible with Android devices with eSIM support and iPhone X or later. Just make sure your device is compatible and select your plan. It’s a low-cost way to maintain a mobile work phone. One of the benefits of an eSIM is giving you one less thing to pack and plan. If your phone […]

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For those who don’t have time to stay on top of revolving bonus categories or spending caps, the Chase Ink Business Unlimited® Credit Card offers a simple 1.5% cash back on purchases. Plus, it has a lucrative welcome bonus for new cardholders. Introduction Business owners who want a simple, flat cash-back rewards program will find just that in a Chase Ink Business Unlimited credit card. It doesn’t require you to strategically plan purchases around revolving or tiered bonus categories. Plus, its current welcome bonus offer is its most appealing feature. New business cardholders can earn $900 bonus cash back after spending $6,000 on purchases in the first three months of account opening. New cardholders also can access a 0% introductory APR for 12 months on purchases, then a 17.74% – 23.74% variable APR applies for purchases and balance transfers. A balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater, applies. However, the Chase Ink Business Unlimited rewards program is fairly vanilla as far as business rewards cards go. It offers a similar rewards rate and benefit features that you might expect from a no-annual-fee card class at 1.5% cash back rewards […]

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woman computer Each fiscal year (FY) the U.S. Department of Homeland Security (DHS), Office of Small and Disadvantaged Business Utilization (OSDBU), as part of the Small Business Outreach Program, virtually conducts ten sessions of 15-minute pre-arranged meetings with small businesses. Vendor Outreach Sessions (VOS) provides small businesses with a platform to discuss their capabilities, learn about DHS procurements, and meet with large businesses to discuss subcontracting and partnering opportunities. We reserve four sessions for women-owned, service-disabled veteran-owned, small disadvantaged (including 8(a)) and HUBZone small businesses. VOS is conducted by DHS Small Business Specialists (SBS) from each operational contracting component and large businesses (“counselors”). The next DHS VOS is March 30, 2023, and is reserved for Women-Owned Small Businesses Only in honor of Women’s History Month. Refer to the DHS VOS FY 2023 Schedule to view or download the calendar and read the Small Business Vendor Outreach Sessions’ instructions carefully. Effective October 1, 2022 (Fiscal Year 2023 VOS), there are significant changes to the VOS Program: It matches small businesses to counselors by the North American Industry Classification System (NAICS) Codes or core competencies. There is no longer a “first come, first served” approach to VOS meetings. After being matched […]

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One of the most common reasons a business can fail is when an entrepreneur doesn’t have a complete understanding of their finances. Tax season is here, and whether your business is already off the ground or just an idea waiting for its moment, it may be useful to refine your financial skills. The Complete 2023 Business Accounting Master Bundle lets you study up on money management and business accounting on your own time, and it’s only $34.99 through March 2. Budgeting for your household and budgeting for your business require very different skills. If you want to start at the beginning, enroll in the Basics of Accounting course led by certified CPA Eric Knight from Skill Success. Study up on Accounts Receivable, business transactions analysis , and Trial Balances before you start looking into the more advanced lessons. Advanced Financial Accounting is a 155-lecture course spanning 50 hours and covering a broad range of accounting principles and tools. There is even a detailed course going over the fundamentals of QuickBooks Pro . This course does not come with that accounting software itself, but it could show you the different steps in the accounting cycle and how it’s backed by […]

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Hendrick Health has earned honorable mention distinction for Texas Hospital Association’s 2022 Excellence in Community Service Award for the “A New Day (Nursery) in the Neighborhood” project that brought affordable childcare to north Abilene. “We are very proud to receive this prestigious award from THA,” said Brad Holland, president and CEO for Hendrick Health. “This project was very special to us as we were able to identify and address such an important need in our community.” To be considered for the Excellence in Community Service Award, organizations must demonstrate leadership and participation in beneficial, measurable programs in the community that have provided a positive outcome in health status. In 2018, Hendrick, Hardin-Simmons University and Day Nursery of Abilene began a partnership to provide additional childcare spots in a new facility for not only Hendrick and HSU employees, but also to the community. After renovations were completed at the former College Heights Elementary School, Day Nursery of Abilene opened its doors in the new location. Representatives from Hendrick Health and Day Nursery accepted the award last week at THA’s Annual Conference and Expo in Austin. ACU adds two board trustees Abilene Christian University has added two new members to its […]

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Boston — Following through on a commitment to cities and towns that they will provide early notification of funding levels prior to releasing their Fiscal Year 2024 (FY24) budget, Governor Maura T. Healey and Lieutenant Governor Kimberley Driscoll today announced that their upcoming budget will propose historic investments in local aid, including fully funding the Student Opportunity Act. In total, this budget (H.1) proposes to fund nearly $8.4 billion in local aid in fiscal year 2024 – a $635 million or 8.2 percent increase over fiscal year 2023. The local aid budget brief is available here . Funding allocations for municipal aid and regional school aid are also available online. “The Student Opportunity Act calls for a historic investment in our schools, our students, our educators and their futures. Additionally, these funds will help cities and towns support their first responders, public works, youth violence prevention programs, housing production, cybersecurity and more,” said Governor Healey . “Lieutenant Governor Driscoll and I know that predictability and transparency from state government is essential for municipal leaders to serve their communities – and we’re committed to delivering just that.” “As a former Mayor, I know firsthand how state funding is the lifeblood […]

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djile/Shutterstock The Equal Credit Opportunity Act (ECOA) is legislation passed in 1974 that prohibits creditors from discriminating against an applicant due reasons related to race, color, religion, national origin, sex, marital status, age or participation in public assistance programs. Criteria that creditors can use in their decisions are financially based, like your income, debt, recurring expenses and credit history. Aside from forbidding creditors — and those who set the terms for credit, like real estate brokers — from using discrimination practices against protected groups, the ECOA grants consumers additional rights during the credit-seeking process. How the Equal Credit Opportunity Act works Under the ECOA, creditors aren’t allowed to discourage a consumer from applying for credit because they’re in a protected group. They’re also not allowed to use protected categories as a factor when deciding whether to grant credit, and they can’t offer different terms and conditions to consumers within a protected group. This law applies to a variety of creditors, including: Traditional and local banks. Credit unions. Online lenders. Retail and department stores. Other financing companies. Other entities who participate in deciding or extending credit. In some situations, these creditors might be permitted to ask for information like your […]

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Chicago kid, Altus defender seizes opportunity for better life U.S. Air Force Airman 1st Class Michael Mason, 97th Security Forces Squadron patrolman, poses for a photo at Altus Air Force Base, Oklahoma, Feb. 21, 2023. As a patrolman, part of Mason’s duty is to be the base’s first line of defense against security threats.. (U.S. Air Force photo by Airman 1st Class Miyah Gray) Chicago kid, Altus defender seizes opportunity for better life U.S. Air Force Airman Basic Michael Mason, 97th Security Forces Squadron Airman in training, poses for a photo with his mother at the Alamo in San Antonio, Texas, Jan. 7, 2022. All security forces defenders are trained at the Air Force Security Forces Academy at Lackland Air Force Base, Texas. (Courtesy photo by Airman 1st Class Michael Mason) Chicago kid, Altus defender seizes opportunity for better life U.S. Air Force Airman 1st Class Michael Mason, 97th Security Forces Squadron patrolman, greets Savon Booker-Hunt at Altus Air Force Base, Oklahoma, Feb. 21, 2023. A patrolman’s many duties include checking identification and vehicle tags for gate entry. (U.S. Air Force photo by Airman 1st Class Miyah Gray) Chicago kid, Altus defender seizes opportunity for better life U.S. Air […]

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By Corina De La Torre It’s that time of the year when California municipalities begin drafting spending plans for the upcoming fiscal year. It’s an opportunity not just for the community to get involved, but it’s also an opportunity for cities and counties to reassess their practices and begin investing in services that make sense. It is time to re-evaluate what public safety means in Salinas and take into account crime statistics to make effective changes to uplift our community. According to the latest Salinas Police Department Annual Crime Report , there were a total of 5,291 crimes reported in 2021, a 3.2% decrease since 2020 and a 5.11% decrease since 2019. Despite this positive trend, SPD representatives continue to promote the narrative that more sworn officers are needed to protect our community. If that were the case, how is it that crime is going down even though the number of sworn officers has remained flat? In addition, California’s Department of Justice database reported violent crime throughout Monterey County has been going down since 2011, with a historic drop in violent crimes reported in 2019 and 2020. But these facts are not deterring the Salinas Police Department’s brass from […]

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For many of Seattle’s law firms, the economic slowdown is a sigh of relief. Finally, they can stop worrying about soaring salaries and tech companies stealing talent with offers impossible to match. “For years they’ve been poaching our staff,” said Daniel J. Oates , partner-in-charge of the Seattle office of Miller Nash LLP. With 147 total attorneys according to Business Journal research, the firm lost numerous experienced lawyers to Amazon, Facebook and others during the hiring frenzy of the last two years with offers that included a 9-to-5 schedule and stock options. “We have a great culture, but there are certain things with which we cannot compete.” Daniel J. Oates is partner in charge of the Seattle office of law firm Miller Nash LLP Meghan Spradling With growth now slowing and tech giants shedding jobs, Seattle firms say this is the time to take stock, reevaluate their strategic plans and pick up talent. To succeed, however, they must move with caution as they navigate the choppy economy. “This is a great time for firms to regroup and act strategically, rather than triage,” said Peter S. Johnson , partner-in-charge of the Seattle office of Davis Wright Tremaine. “There has been […]

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