Getting Started Guides

Zelle processed over $1 trillion in transactions in 2024, marking the highest amount ever sent through a person-to-person payment service in a single year. The platform also saw significant growth in transaction volume and user enrollment, reinforcing its role as a major financial tool for consumers and small businesses. Zelle reported 151 million enrolled user accounts, an increase of 16 million from the previous year. Transaction volume rose 25% to 3.6 billion, while the total dollar amount sent on the platform increased 27% year-over-year. The fourth quarter of 2024 was the strongest in Zelle’s history, driven by holiday gifting and rent payments. “Zelle is not just …

Gas prices in the U.S. have increased slightly, with the national average for a gallon of gasoline rising by two cents to $3.13, according to AAA. The increase comes amid concerns over potential tariffs, despite fluctuations in supply and demand. Meanwhile, the national average for public electric vehicle (EV) charging remains unchanged at 34 cents per kilowatt hour. New data from the Energy Information Administration (EIA) shows a minor increase in gasoline demand, climbing from 8.30 million barrels per day (b/d) to 8.32 million b/d. Domestic gasoline supply also rose, increasing from 248.9 million barrels to 251.1 million barrels, while gasoline production dipped to 9.…

PayPal Holdings, Inc. announced Wednesday that it has surpassed $30 billion in global loan originations, providing more than 1.4 million loans and cash advances to over 420,000 business accounts worldwide since 2013. The milestone underscores the company’s ongoing role in addressing the persistent challenge of capital access for small businesses. Small businesses account for more than 43% of the U.S. GDP and nearly 40% of private sector payroll, yet more than three-quarters of them remain concerned about securing the capital needed to sustain or grow their operations. In response to this concern, PayPal continues to expand its suite of financing solutions tailored to the…

Adobe (Nasdaq: ADBE) has launched Photoshop for iPhone, bringing its widely used image editing and design application to mobile devices. The new app, available starting today, delivers Photoshop’s core tools, including layering, masking, and Firefly-powered Generative Fill, in a mobile-friendly interface. An Android version is set to launch later this year. The mobile expansion is part of Adobe’s broader initiative to make Photoshop more accessible, with the new mobile app and an enhanced web experience now included in all current Photoshop plans. According to Adobe, these additions provide flexibility for established Photoshop users while also welcoming a new generation…

Have you ever come out of an important meeting feeling confused or frustrated? Was there ever an occasion where you found it difficult to explain yourself to a colleague or customer? When it comes to communication, there’s no one-size-fits-all style. All of us communicate differently, and sometimes, this difference can make matters difficult for your business. By understanding different communication styles, you can enhance workplace productivity, leading to better business results. What are communication styles? Communication styles are our preferred way of interacting with others. Some people may find it easier to articulate confidently how they feel. Others may prefe…

Key Takeaways Understanding Niche Industries: Specialized sectors cater to specific consumer needs often overlooked by mainstream businesses, opening doors for targeted marketing and significant growth potential. Advantages of Niche Markets: Focusing on niche industries results in reduced competition, allowing for better profit margins, stronger brand loyalty, and opportunities for product innovation. Types of Niche Industries: Popular examples include pet products, health and wellness, eco-friendly goods, artisanal crafts, gaming, and emerging markets like remote work solutions and online education. Challenges Faced: Niche industries encounter unique challenges, su…

Chag Sameach! Also known as Pesach, Passover is a Jewish holiday commemorating the Ancient Israelites’ exodus from slavery. This important religious holiday often is celebrated with plenty of pomp and festivity, particularly on the first day when families hold a special meal known as Passover seder. Looking to extend your best wishes to professional colleagues for Passover? Explore these 60 Passover greeting messages tailored for small businesses. How do You Wish Someone Happy Passover? How do you wish someone a happy Passover? What makes an appropriate professional message for Passover? People appreciate holiday messages, and Passover is no exception. In fact, some rel…

If you’re starting a small business or developing a new product, you need to give it a name. That name will serve as your brand name and has the potential to become highly valuable. It is essential to choose something remarkable. However, picking an amazing brand name isn’t enough to position your business or product for success. Before you invest time and money into developing a brand reputation around that amazing name, there are some critical brand name legal questions you need to answer to avoid getting into big and expensive trouble later. Ask These Brand Name Legal Questions First Do You Want to Protect Your Brand Name? Do you want to ensure that no one else in y…

Step aside, alcohol! Trending in 2023 are invigorating, alcohol-free elixirs that are tantalizing palates everywhere. If you’re interested in learning how to start a drink company, mocktail business ideas should be at the top of your list. And these alcohol-free concoctions can also enhance an existing bar menu. Unsure where to begin? We’ve gathered 50 sensational mocktail ideas guaranteed to transform your bar menu and ensure your patrons stay refreshed, delighted, and coming back for more. Unleash the creative mixologist within and dive into our world of vibrant, unique beverages. The Exciting World of Non-Alcoholic Cocktails In the exciting universe of non-alcoholic …

Staying at home with kids is a full-time job on its own. But many moms also want to make extra money online or with a home-based business idea. If you’re looking for the perfect business idea for stay at home moms, read on for some options. What is a Mompreneur? A mompreneur is any mom who also runs a business. The term is often applied to those who run companies that serve other moms, or those who serve as the primary caregiver for their children. Read more: What is a Mompreneur? Business Opportunities for Stay-at-Home Moms Technology has opened lots of opportunities for stay-at-home moms and anyone looking to run a business remotely. You can run a company completely…

Thrift store flipping is about buying things from flea markets, garage sales, and thrift stores at lower prices and reselling them online to make a profit. It’s become a trendy way to make extra money with accessible platforms like Facebook Marketplace and Etsy at the ready. This is an accessible side hustle that doesn’t require a significant investment. What is Thrift Store Flipping? This is about jumping on the difference between a purchase price and the potential market value of items in those stores. The trick is to recognize items priced lower than what they’re worth. Successful flippers consider different factors like brand, condition, rarity, and demand. Web…

As a small business owner, freelance photographer, or budding entrepreneur in the field of photography, choosing a suitable portrait lens is an essential step. This guide will help you understand the different types of portrait lenses and the factors you should consider while choosing the one that best fits your needs. What Are Portrait Lenses? A portrait lens is a specialized tool designed to capture stunning, intimate images of people. These lenses, often used by professional portrait photographers, offer a focal length and maximum aperture that provides a flattering perspective and an appealing shallow depth of field. The focal length refers to the distance between t…

A federal grand jury has indicted Edward Michael Greer, a Newport Beach businessman, on charges of tax evasion. According to the indictment, Greer, the owner of insurance salvage company Greer & Kirby Co. Inc., allegedly misclassified millions of dollars in personal expenditures as business expenses between 2017 and 2020. The indictment alleges that Greer used his company’s bank accounts to cover personal expenses, including payments to bookmakers Wayne Nix and Ken Arsenian to settle gambling losses, as well as the purchase of a 2021 Mercedes Benz. Greer allegedly concealed these payments in the company’s financial records and directed them to be recorded as business…

Zoho Corporation has announced the release of Notebook AI, an AI-powered note-taking assistant now available on iOS, Android, web browsers, and macOS. Users can activate a 15-day trial to explore the app’s features before purchasing, with pricing set at $4.99 per month or $49.99 per year for individual consumers. The company also plans to roll out Notebook AI to Notebook Business users within the next month at no additional cost to Business plan subscribers. Notebook AI integrates a suite of artificial intelligence tools designed to enhance note-taking, organization, and content creation. The app includes features such as content generation, translation, transcription, a…

Operation HOPE, a national nonprofit dedicated to entrepreneurship and financial literacy, has announced a partnership with SCORE, the largest network of volunteer business mentors in the U.S. The collaboration aims to expand mentorship and resources for small businesses and underrepresented entrepreneurs across the country. SCORE, a volunteer organization with more than 10,000 mentors, has provided free business guidance for six decades. Through this partnership, SCORE will extend its mentorship services to small businesses participating in Operation HOPE’s 1 Million Black Business Initiative (1MBB) and clients recovering from natural disasters. The 1MBB program, launc…

What is a 1099 form, and how is it used? Most U.S.-based business owners have issued 1099 tax forms to independent contractors, keeping them in compliance with the Internal Revenue Service. However, there are several other scenarios in which a small business owner would issue or receive a type of 1099. Do you know the 1099 rules? Are you curious about who should get a 1099 form, how to issue one, or what rules apply in different scenarios? In this article, we’ll provide the answers to these questions about 1099 forms and more. What Is a 1099 Form? The 1099 form, issued by the Internal Revenue Service in the United States, serves several specific purposes, each with a di…

The U.S. residential construction market is expected to expand by $242.9 million between 2025 and 2029, growing at a 4.5% compound annual growth rate (CAGR), according to a new report from Technavio. Rising household formation rates and a growing emphasis on sustainable construction practices are key factors driving market growth. However, the industry continues to face challenges, particularly in the availability of skilled labor for large-scale projects. The U.S. residential construction sector is seeing increased demand for affordable housing, spurred by lower mortgage rates and federal programs aimed at expanding access to homeownership. The Federal Reserve’s interes…

What is a virtual assistant? Who is hiring them? Why does a business owner need one? Becoming a Virtual Assistant is a great fit for an entrepreneur with excellent organizational skills and tech-savvy. In this article, we’ll detail the key skills necessary for a virtual assistant job, the types of businesses that need virtual assistants, and the pathways you can take to become a virtual assistant. What is a Virtual Assistant? A virtual assistant is a professional who assists businesses with a wide range of tasks while communicating and handling their work remotely. They can serve a huge range of businesses and organizations, including the following: Entrepreneurs and …

The Aluminium Association of Canada has strongly criticized the 25% tariffs imposed by the U.S. administration on Canadian aluminium, warning of significant economic repercussions for American workers and consumers. The tariffs will immediately increase the cost of aluminium, affecting industries that rely on the metal for manufacturing. The U.S. consumes six times the amount of primary aluminium it produces, and Canada plays a critical role in supplying the shortfall. “This situation will unfortunately impact workers and consumers in America with the immediate increase on the price of aluminium,” said Jean Simard, President and CEO of the Aluminium Association of Canad…

The Palisades and Eaton fires that swept through Los Angeles in January caused significant disruptions to the local labor market, with payroll data from ADP showing a sharp decline in paychecks issued and hours worked. Although the fires directly affected a small portion of Los Angeles County’s total employment, their economic impact extended well beyond the burn zones. According to ADP payroll data, paycheck issuance in fire-affected ZIP codes dropped 10% in the first week of the fires compared to the same period in 2024. The decline continued in the following weeks, falling 6% from January 12-18 and again by 10% from January 19-25. By January 26, payroll activity had r…

In 2023, several content marketing trends are emerging that you should be aware of. AI-driven content creation offers efficiency, whereas real-time personalization can greatly boost user engagement. Short-form video content is gaining traction, and optimizing for voice search is becoming crucial for visibility. Furthermore, user-generated content builds trust, and collaborating with micro-influencers can extend your reach. Comprehending these trends will help you adapt your strategies effectively. What else should you consider to stay ahead? Key Takeaways AI and Automation: Utilize AI tools for efficient content creation while ensuring human review for quality and bra…

Are your company’s business accounts at risk of ACH and wire fraud? If you’re uncertain, it’s important to investigate now. By learning about this type of fraud and putting preventative measures in place, you can safeguard your business from financial losses. This article will provide tips for ACH fraud protection and prevention, so continue reading to discover more. What Is ACH Fraud? ACH fraud refers to the unauthorized use of electronic funds transfer by banks and other financial institutions via the ACH network. This can include instances where an individual’s account information is stolen and used to make a fraudulent ACH transaction or when a scammer tricks a busin…

Key Takeaways Versatile Craft: Macrame is an adaptable craft with endless creative possibilities, from wall hangings to plant hangers, suitable for both beginners and experienced crafters. Unique Products: Offering personalized and unique macrame designs, like jewelry and coasters, can help attract customers and elevate your artisan business. Essential Tools: High-quality tools and materials, including cotton cord and measuring tape, are crucial for achieving precise craftsmanship and maintaining product quality. Advanced Techniques: Learning advanced knots, such as the Double Half Hitch or Josephine Knot, allows for the creation of intricate patterns, making your p…

Personal trainers are in more demand than ever as more people look to stay fit and improve their health. This has created a huge opportunity for people who want to work in this industry. Follow these steps to learn how to start a personal training business and take advantage of the growing personal fitness segment. How to Start a Personal Training Business: Key Steps Starting requires the following: You need to determine your specialty or niche. To decide on one, consider market demand, your expertise, and your interests. Some options include strength training, sports training, weight loss, and rehabilitation. Industry-specific certifications include those from the Na…

Key Takeaways Diverse Opportunities: The agricultural sector presents numerous business ideas, such as organic farming, aquaponics, and value-added products, catering to a growing market for sustainable and locally sourced goods.Focus on Sustainability: Entrepreneurs are encouraged to develop eco-friendly practices and products, aligning their ventures with the increasing consumer preference for health-conscious and environmentally-friendly options.Importance of Market Research: Conducting thorough market research is vital to understand consumer demands, identify market gaps, and refine business ideas, ensuring alignment with current trends in agriculture.Business Plann…