Mar 15, 2025
How to Celebrate National Small Business Week
Presidents, Congress, and state and local governments have continued to support and promote National Small Business Week over the decades, reflecting the enduring importance of small businesses as a vital part of the American economy. The celebration is not only a U.S. government initiative but has also become a significant event for business-related nonprofits and private companies that support the…
Read moreMar 15, 2025
Use Your Tax Refund Wisely – Regain Financial Control
Tax season can be a stressful time, but for many, it comes with a financial boost, your tax refund. While it may be tempting to spend it on something fun, using your refund wisely can help you take control of your finances and move closer to a debt-free future. If you have high credit card debt, your tax refund can…
Read moreMar 14, 2025
AI marketing tools for Small Businesses
AI marketing tools are software and applications that leverage artificial intelligence and machine learning algorithms to streamline and optimize various marketing tasks. AI tools can analyze data, automate processes, and personalize customer experiences, ultimately helping you make smarter traditional and digital marketing decisions to reap better results. While they typically can’t replace your need for a marketing team, they can…
Read moreMar 13, 2025
6 Essential Steps to Take Before Buying a Home
Have you been thinking about buying a home? People make this life-changing decision for many different reasons. Whether you’re looking for a new home that’s big enough to raise a family or planning to downsize, these tips will help make the entire process easier. Here are six things you should do before buying a home: 1. Determine Your Wants and…
Read moreMar 13, 2025
How Change Healthcare Cyber Attack is Impacting SMBs
This disruption affects not only the healthcare providers directly but also the myriad of small businesses that service and supply these providers, from local medical suppliers to independent consulting firms. The ripple effects extend to decreased operational efficiency and increased financial strain, creating a challenging environment for managing daily operations and long-term financial planning. Who Has Been Impacted by the…
Read moreMar 12, 2025
How to Find a Side Job or Freelancing Gig to Boost Your Income When You’re in Debt
We at American Consumer Credit Counseling understand that you can’t budget your way out of simply not having enough money. Taking on a part-time, side job, or freelancing gig can provide the extra cash flow needed to accelerate debt repayment or just ease financial strain if you’re already going through a debt management plan. Here’s a guide on how to…
Read moreMar 12, 2025
Effective Strategies for Financing Your Beauty Salon and Spa Business
Beauty Salon and Spa Funding Considerations First, determine what you need to get your salon off the ground. Do you want to lease or own your salon? In other words, do you wish to purchase your building and property? If you’re leasing, will the landlord build to suit and customize the space for your specific type of business? Or is…
Read moreMar 10, 2025
Planning for Financial Stability in Varying Rate Environments
Understanding How Interest Rates Effect Small Businesses=”#understanding-how-interest-rates-effect-small-businesses”> Forecasting Interest Rate Trends=”#forecasting-interest-rate-trends”> Strategies for Adapting to Rising Interest Rates=”#strategies-for-adapting-to-rising-interest-rates”> Managing Finances in Declining Interest Rate Environments=”#managing-finances-in-declining-interest-rate-environments”> Understanding How Interest Rates Effect Small Businesses There are two types of interest rates: variable and fixed. Fixed interest rates are predetermined and remain the same throughout the life of the loan or entirety of…
Read moreMar 9, 2025
Navigating Business Licensing Requirements in Multiple States
Fundamental Concepts of Business Licensing Getting a business license, issued by a government agency, allows a small business owner to operate in the geographical area that is governed by that agency. Depending on the type of business you own, business licenses may be required by local, state, or federal agencies. Some business owners will need to obtain more than one…
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