Pritzker Administration Receives $700,000 from Small Business Administration to Grow Illinois Exports   

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Funds to help Illinois small businesses expand their presence abroad The U.S. Small Business Administration (SBA) announced that the Pritzker administration has been awarded $700,000 in competitive federal funding to promote U.S. export growth through the state’s Illinois State Trade and Export Promotion (ISTEP) program. The Illinois Department of Commerce & Economic Opportunity Office of … Continued

The post Pritzker Administration Receives $700,000 from Small Business Administration to Grow Illinois Exports appeared first on Chicago Defender.


          

Small businesses increasingly a target for cybercriminals   

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While small and mid-sized businesses are increasingly targets for cybercriminals, companies struggle to devote enough resources to protect technology from attack
          

Business group criticises planned Extinction Rebellion protest   

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Richard Guiney, CEO of Dublin Town, feels that Extinction Rebellion demonstrations risk punishing small businesses and commuters.
          

Gov. Pritzker announces $4.2 Million in funding for Small Business Development Centers   

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Gov. JB Pritzker announced recently that the state would provide $4.2 million in funding for Small Business Development Centers throughout Illinois.

The funding is available to universities, community colleges and business focused nonprofit organizations to provide small businesses with support services through the operation of a Small Business Development Center.

“Illinois is home to more than a million small businesses that create good jobs and provide needed services and goods in their communities,” Pritzker said. “My administration is committed to making sure that these small businesses can thrive and get access to the support and resources they need to keep creating good jobs and growing our state’s economy, which is why I’m proud to invest $4.2 million in funding to serve them.”

There are 35 Small Business Development Centers located across the state that provide information, business guidance, training and other resources to small businesses and entrepreneurs looking to start their own business.

“A core part of our mission is to help small businesses grow and thrive in Illinois,” Department of Commerce and Economic Opportunity acting director Erin Guthrie said. “Small Business Development Centers are a much-needed resource for the state’s small business community and we are excited to provide funding that will support current SBDCs and allow for the creation of new centers across the state.”

Applicants are eligible to receive between $80,000 and $500,000.

The application process is competitive and not all organizations will receive funding.

For information about the application process, visit www2.illinois.gov/dceo/AboutDCEO/GATA/Pages/83-1249.aspx.

The deadline to apply for funding is 5 p.m. Oct. 25.


          

What Small Businesses can Learn from Airlines about Using Social Media for Online Presence   

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Here’re some functional ideas on how to utilize social media that might help your business flourish with its aviation marketing strategies.
          

Funders Forum Will Teach U.S. Small Businesses about Financials   

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Small businesses increasingly becoming a target for cybercriminals   

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While small and midsized businesses are increasingly targets for cybercriminals, companies are struggling to devote enough resources to protect their technology from attack.


          

Four Small Businesses You Can Start In College With Less Than $1000   

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I mentor Freshmen at a local university. Something I often hear is how much extra time they suddenly have compared to when they were in High School. Usually, my students find ways to fill their time. They join intramurals. They find jobs. They join the orchestra. And then they complain about their sudden lack of free time. If you’re in college, you might not want to fill your free time the conventional way. You’ve got that entrepreneurial itch and you want to use your free time to make money. I’ve got you covered. I’ve collected a list of viable businesses
          

The big mistakes small businesses are making right now: Interview with Trent Innes, Xero MD   

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Dynamic Business attended Xerocon in Brisbane earlier in the month, and spoke with Trent Innes, Managing Director of Xero Australia about the problems small businesses are facing right now. Xero regularly release small business data insights that shed light on the SME community and the real-time issues. We wanted to ask first-hand what’s happening on Read More...

The post The big mistakes small businesses are making right now: Interview with Trent Innes, Xero MD appeared first on Dynamic Business.


          

   

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I Was Cursed Out of a Coffee Shop for My Views

Marilyn Synek

I never expected my weekly morning ritual of coffee and crepes at a popular local coffee shop would be interrupted by a vulgar, verbal attack that would make national headlines.

On Sept. 11, a cafe employee in Lincoln, Nebraska, named Natalie Weiss recognized me from across the room as an employee of the Nebraska Family Alliance. We’re a local nonprofit that winsomely seeks to protect the unborn, combat human trafficking, support families, and champion everyone’s First Amendment freedoms.

As I soon learned, Natalie, who is transgender, disagrees with many of our views.

After seeing me, Natalie approached me without provocation and began to curse at me for who I am, what I stand for, and the work I do. As other patrons in the crowded shop watched, Natalie called me “f—-ing bigoted trash,” demanded I leave, and shouted that if I tried to return, I’d be refused service.

I was stunned by those hateful words. I’ve always treated the employees of this cafe with respect and courtesy and never broadcast my political beliefs in the shop.

During my lunch break, I shared my experience with my Facebook friends. Within hours, my story had attracted hundreds of comments and made the local news. I soon learned Natalie had been fired for that outburst.

I received considerable support and an apology from the coffee shop owners, but I also received hateful messages, including graphic death threats from complete strangers.

This isn’t the Nebraska I know, love, and proudly call my home. This isn’t the best our diverse and tolerant country can offer. We can do better. We have to.

People who know me can tell you I believe in God, hold a conservative worldview, value the dignity of every human being, and treat people with care. These personal values are why I chose to study political science and spent my undergrad years working in political, government, and policy-related internships, leading to my current job.

Nebraska Family Alliance has received unfair slander in recent days. If even a fraction of the negative stories about our group were true, I wouldn’t work there.

I joined this team because it advocates—carefully and kindly—for policies that serve all Nebraskans. I don’t expect everyone to share my beliefs, but I do welcome rational debate and reasonable discussion.

Some people have suggested that a barista berating me and threatening to deny me future service is no different from a cake artist or a florist declining certain requests that contain messages they would prefer not to celebrate, design, or promote. But it’s incredibly different.

The artists in recent major court cases simply didn’t want to speak messages that violated their convictions. The cafe employee in my case, however, had no such burden.

Jack Phillips and Barronelle Stutzman are business owners who treat all clients with respect and kindness. They serve everyone who walks through their doors. And, like any other business owner, they run their small businesses consistent with their mission and values.

Jack will sell you anything he has made, but he won’t custom-design cakes celebrating Halloween, bachelor parties, or same-sex weddings.

Barronelle happily served a gay customer for nearly 10 years before she told him she couldn’t create custom floral arrangements to help celebrate his wedding. To this day, she says she’d gladly welcome him back.

Both of these business owners, and others like them, have been dragged through long legal battles and repeatedly threatened simply because they don’t want to be forced to create messages or celebrate events they don’t agree with.

If I asked a printer to design a poster for a Nebraska Family Alliance event and they objected to the message, I would understand their decision and go to another business. Tolerance goes both ways, and civil disagreement and discourse on important issues facing our country is a necessary component of a pluralistic society like ours.

I know what it’s like to serve people who don’t agree with me. During high school and college, I worked for a restaurant for seven years and served LGBT patrons. I enjoyed serving delicious barbecue to all my guests.

If I had the chance to serve Natalie, I would do so—and happily—regardless of our differing worldviews.

As Americans, we will inevitably disagree on political and policy issues. The First Amendment guarantees the freedom to peacefully express our ideas and promote what we believe. It also protects our freedom not to participate in speech and events that promote things we don’t believe.

This freedom and the ability to have civil discourse is what makes our country the best nation on earth. Every person should be treated with dignity and respect and not suffer unjust discrimination.

But disagreement isn’t discrimination. We have to be able to discuss our disagreements without cursing, threatening, or banning each other from communal spaces.

I know this kind of shared, diverse society is possible because I’ve participated in it. I have friends who believe I’m wrong in my convictions. We not only coexist and tolerate each other’s differences, we grow and learn from each other.

These are the friendships that make democracy thrive, ones that I hope we all value and pursue.

I enjoy sipping coffee and savoring crepes surrounded by my neighbors who may believe differently than I do. That’s a wonderful thing, and I hope we never lose it.

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In California, the Right to Gender ‘Transition’ Is Threatening Religious Liberty

In the age of transgenderism, the right to medically transition is threatening some of the most basic freedoms we’ve known, such as religious freedom.

Consider a recent case out of California, where a state appeals court ruled that a transgender man can move forward with a lawsuit suing a Catholic hospital for discrimination.

In April 2017, Evan Minton sued Catholic medical provider Dignity Health after one of its hospitals refused to give her a desired hysterectomy, because doing so would have contradicted Catholic teachings against sterilization.

Originally, the San Francisco Superior Court ruled in Dignity Health’s favor and dismissed the case on the basis that Minton received the desired procedure from another Dignity Health hospital with a less restrictive policy.

But now, a state appeals court has reversed that decision, and tossed the case back to a lower court.

This could pave the way for any person, via the court, to compel a religious organization to violate its religious convictions.

As one might expect, Minton applauded the decision. “I feel that this appeals court let [Dignity Health] know that they can’t do that, that they have to treat transgender people with dignity and care. That means the world to me,” he told KCRA, a local news channel.

Minton added: “The fight’s not over because what this appeals court has done has affirmed transgender people, but now we go back to the Superior Court and we make our case there.”

In 2016, Minton scheduled a hysterectomy with a surgeon at the hospital to aid in the transition process from female to male. A couple days before the surgery was set to occur, the hospital became aware of the situation and cancelled the procedure, citing its core religious beliefs.

In a statement last week following the appeals court decision, the hospital said, “Catholic hospitals do not perform sterilizing procedures such as hysterectomies for any patient regardless of their gender identity, unless there is a serious threat to the life or health of the patient.”

Even though Dignity Health offered to find another hospital willing to do the hysterectomy, and another non-Catholic, Dignity Health hospital ended up doing the procedure, Minton went forward with the lawsuit.

With the help of the ACLU, Minton filed a lawsuit against Dignity Health claiming that it had denied medical care on the basis of gender identity, which he said qualified as “sex discrimination in violation of California’s Unruh Civil Rights Act.”

But this is not what actually occurred.

Dignity Health did not deny Minton care on the basis of gender identity; it simply refused to carry out the sterilization procedures it considered harmful, and would never perform on any patient.

Dignity Health’s faith-based policy means its doctors vow to “protect and preserve the bodily and functional integrity” of patients, and that the patient’s “functional integrity … may only be sacrificed to maintain the health or life of the person when no other morally permissible means is available.”

As such, Dignity Health forbids sterilization procedures since they go against Catholic moral teachings about what is good and conducive to flourishing.

The Court of Appeals decision is especially egregious because it acknowledges Dignity Health’s religious freedom as a Catholic hospital, but goes so far as to say the exercise of that freedom in this case—particularly under California law—amounts to discrimination.

To provide a sampling, the court wrote:

The pleading alleges that Mercy allows doctors to perform hysterectomies as treatment for other conditions but refused to allow Dr. Dawson to perform the same procedure as treatment for Minton’s gender dysphoria, a condition that is unique to transgender individuals.

Denying a procedure as treatment for a condition that affects only transgender persons supports an inference that Dignity Health discriminated against Minton based on his gender identity. This is true even if the denial was pursuant to a facially neutral policy.

Another portion of the ruling essentially states that forcing the hospital to violate its religious principles does not actually violate its free exercise of religion because California has a “compelling interest in ensuring full and equal access to medical treatment,” which purportedly supersedes any religious liberty claims and makes any compulsion claim null and void.

This not only seems like a blatant violation of the free exercise clause, but would pave the way for courts to violate all kinds of organizations’ religious rights if the state holds there is a greater interest at stake than religious liberty.

It remains to be seen how this case will shake out—and whether federal courts will pick it up and, perhaps, strike down the state court’s ruling.

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Maher: Rachel Maddow Wouldn't Shut Up if Don Jr. Did What Hunter Biden Did

We've played a lot of games of political "what if?" and "whataboutism" in the three years that we've been through the looking glass in America. On Friday's Real Time with Bill Maher, the host explored a hypothetical, wondering how the media would be reacting if Donald Trump Jr. were engaged in the kind of cronyism that Hunter Biden was in Ukraine.

The Hill:

"The more I read about this ... no, I don't think he was doing something terrible in Ukraine," Maher said of the younger Biden during a panel discussion on "Real Time" on Friday night.
"But why can't politicians tell their f---ing kids, 'Get a job, get a goddamn job!'" he continued. "This kid was paid $600,000 because his name is Biden by a gas company in Ukraine, this super-corrupt country that just had a revolution to get rid of corruption."

The liberal comedian and host added that it "just looks bad."

Personally, this kind of stuff doesn't bother me much. I'm old fashioned, I think the real corruption happens while politicians are in office, not after they leave and get rich from all of that "public service." Heck, I'd love it if my kid could walk out of college next year and into a pile of money using nothing more than her last name. Unfortunately, that's more likely to bring up law enforcement red flags than job offers.

Still, the media does have very selective outrage about such dealings. It's the epitome of greed, graft, and post-political corruption when a Republican does it, and business as usual when it's a Democrat.

Maher touched on that as well:

"It does sound like something Don[ald] Trump Jr. would do," Maher later added on his show Friday. "And if Don Jr. did it, it would be all Rachel Maddow was talking about."
The all-around sleazy optics of the Bidens' end of this has largely been glossed over in the mainstream media this past week. Conservative blogs write about it, of course, but that's it.

Thankfully, POTUS has been all over it as well.

In the end, there will more than likely be more questions about the Bidens than Trump's phone call. None of which will ever be asked by our intrepid political journalists.

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Australia: Same-sex unions divide what used to be the Methodist church

Uniting Church ministers who ­oppose same-sex marriage say they are being “pushed, harassed and bullied” out of the church by progressives at the helm of Australia’s third-largest denomination.

The Reverend Lu Senituli, minister of the Assembly of Confessing Congregations of the Uniting Church Sunnybank on Brisbane’s south side, said a fissure in the church was widening between large conservative congregations such as his mostly Tongan church, and inner-city churches and leadership “who want to drive us out to make way for the new church”.

Mr Senituli said the issue had come to a head since the “yes” vote in the national plebiscite on same-sex marriage. “They are using church procedures and withholding of funding and all sorts of tactics to get us to toe the line,” he said. “I have people sitting in my congregation taking notes so they can report on me to the church and have disciplinary measures enacted against me.”

However, the Uniting Church says ministers have freedom to refuse to conduct same-sex mar­riages and can continue to teach their belief that marriage may only be between a man and a woman.

Mr Senituli’s church is a member of a breakaway body in the Uniting Church established in 2004 called the Assembly of Confessing Congregations, set up for congregations that reject the progressive line on accepting gay ­clergy and same-sex marriage.

“The church now has two faith statements, or integrities on marriage,” Mr Senituli said. “One is that marriage is between a man and a woman, as according to holy scripture. But the second integrity is the covenant of love between two persons, regardless of sex.

“In practice it’s impossible to live our faith under these two integ­rities as they are contradictory. When a minister makes a statement to a presbytery to say we will not celebrate same-sex marriage, from that point the presbyteries, the regional body, begin to put the pressure on in every way.

“They start turning off the funding tap if you don’t toe the line. Life becomes extremely difficult. Regional bodies are working in collusion with liberals in congregations who find orthodox preaching offensive.

“I was removed from the nat­ional body on doctrine because my views didn’t represent the diversity of the Uniting Church. But I represent a thriving church with hundreds of members who hold traditional, scriptural views and my church has six services every Sunday.”

The president of the Uniting Church, Deirdre Palmer, was unavailable for comment, but a spokesman for the Uniting Church in Australia Assembly and the Synod of Queensland said ministers and celebrants authorised by the Uniting Church had the freedom to conduct or to refuse to conduct same-gender marriages.

“They can continue to teach their belief that marriage may only be between a man and a woman, and can continue to use a marriage liturgy that reflects that conviction,” the spokesman said.

“At the same time, we expect all our members to respectfully engage with those who may hold different biblical and theological views to their own, and to show respect to LGBTIQ Uniting Church members, who are full members, exercising a variety of ministries, both ordained and lay within and through the life of the Uniting Church.

“All parts of the church are accountable to our governance and regulations and when matters of concern arise in particular congregations, the Uniting Church has systems in place to manage those concerns.

“The matters raised with The Australian are known to the Uniting Church and are being addressed through appropriate processes, with ongoing consultation and support provided to the congregations. They are entirely un­related to the minister’s or the congregation’s Christian understanding of marriage.”

Mr Senituli’s church adopted its current name last month, changing its signage from Sunny­bank Uniting Church in defiance of church leadership to make clear its opposition to same-sex marriage and as a protest against allegedly being bullied on the issue.

The national chairman of the Assembly of Confessing Congregations, Hedley Fihaki, backed Mr Senituli’s claims, saying about 150 of the Uniting Church’s 800 congregations were ACC members.

He said ACC assemblies that had changed signs and logos to distinguish themselves from progressive congregations had received letters warning them they would no longer be under the protection of the church for issues such as insurance.

“The Uniting Church doesn’t see the dilemma we are in. The push to embrace diversity is an oxymoron, the two statements on marriage — you can’t have these two doctrines co-­existing together, in our opinion,” Dr Fihaki said.

“The Bible is very clear on this. Assembly doesn’t get why we can’t exist in this diversity framework. They are forcing us to accept it, but we can’t.”

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Political correctness is most pervasive in universities and colleges but I rarely report the  incidents concerned here as I have a separate blog for educational matters.

American "liberals" often deny being Leftists and say that they are very different from the Communist rulers of  other countries.  The only real difference, however, is how much power they have.  In America, their power is limited by democracy.  To see what they WOULD be like with more power, look at where they ARE already  very powerful: in America's educational system -- particularly in the universities and colleges.  They show there the same respect for free-speech and political diversity that Stalin did:  None.  So look to the colleges to see  what the whole country would be like if "liberals" had their way.  It would be a dictatorship.

For more postings from me, see TONGUE-TIED, GREENIE WATCH,   EDUCATION WATCH INTERNATIONAL, AUSTRALIAN POLITICS and  DISSECTING LEFTISM.   My Home Pages are here or   here or   here.  Email me (John Ray) here.  Email me (John Ray) here

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Small Businesses Increasingly A Target for Cybercriminals   

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While small and mid-sized businesses are increasingly targets for cybercriminals, companies are struggling to devote enough resources to protect their technology from attack.
          

My Turn: Gregg Amore: Governor gets bad info on fund   

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Our small businesses are the main engine of economic growth and new jobs in Rhode Island.Businesses need access to capital to help them survive and thrive, but unfortunately, Rhode Island has consistently ranked poorly against other states in providing such assistance. To help address this need, the General Assembly included in this year’s budget the Small Business Development Fund, an innovative program that will provide $65 million in private capital invested in Rhode [...]
          

Dino Rossi Rocks Silverdale   

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by Johnny Walker
@KingstonJW on Twitter

“Who here wants to remove Patty Murray’s tennis shoes from Washington?” The packed house roared. Classic. It was a perfect Dino Rossi moment at the Community Center in Silverdale yesterday, as Rossi supporters came together for a final dash rally in the last week of their campaign. Tightly packed into an A-frame conference room, you would never have guessed that the race to unseat incumbent Patty Murray (D) was so dangerously close.

After a short but lively introduction by Representative Jan Angle of the Washington 26th Legislative District, Rossi charged the crowd with well timed and familiar talking points designed to keep his team passionately involved to the finish line.

Rossi championed a theme that “when government grows, your freedoms decrease,” and pounded incumbent Murray for her unapologetic authorship of massive new health care laws that are increasing costs and eroding the relationship between doctors and patients; reducing both choice and quality of services. He countered liberal rhetoric that Republicans were a “party of no” by emphasizing tax-free ways to improve health care. He cited that tort reform, competition across state lines, health care accounts, and volume bargaining by small business as ways to vastly improve healthcare without any increase of taxes.

Rossi focused on jobs, detailing his own expertise and what he has learned from business on the campaign trail. “Small business wants a modest tax, fair and predictable regulation, and then let lose to pursue the American dream,” he said. Government shouldn’t punish small businesses for being successful, but instead should enable them “so they can do it again and again and again!”

In closing remarks, Rossi left the charged crowd with two key messages. “The moral issue of the campaign” he defined as a political class that has borrowed, spent, and handed the bill off to their children. He wants to stop that. And his “final pledge” to supporters; “with your help November 2nd, when I become your next United States Senator, I am actually going to represent Washington State and not Washington D.C.”

Some observers might have found the rally predictable, but the undercurrent in the room was a story in itself. Folks were impressively undeterred by recent polls benefitting Patty Murray after local visits by Democratic power brokers. In a matter of days, Murray held campaign events with President Obama, Michelle Obama, Vice President Biden, and prior President Clinton. “How does that happen?” said one supporter. Another spoke with cautious optimism, “we have a week to go.” It was pretty clear leaving the event that the “hoots and hollers” to carry Dino signs was not an admission of anything about the future, except for success.

In the final week of this significant election year, I trust that you all are doing your part to support the candidates of your choice. I’ve written an article on phone banking that shows how easy it is to do, and sign waving is another easy way to help and have fun at the same time. But most of all, in the final days, remember to vote and encourage the vote. This is what will ultimately prevail.

Know your candidates and issues. Vote Smart. November is almost here.

Photos top to bottom; author Johnny Walker, Dino Rossi addresses supporters in Silverdale, Rep Jan Angel introduced event, enthused Dino supporter Jo Nelson


          

19 PPC Mistakes that can Demolish Your Business for Good   

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PPC mistakes

Pay-per-click (PPC) marketing is one of the leading digital channels various sizes of businesses use to reach their customers. A 2018 survey by Clutch reveals that 45% of small businesses do PPC advertising. Certainly, PPC marketing can be rewarding, but it can also be expensive and expend your entire budget within a short time. Consider […]

The post 19 PPC Mistakes that can Demolish Your Business for Good appeared first on ReadWrite.


          

5 ways to successfully manage your small business' cash flow   

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Capital One #1 small business

  • Controlling cash flow is crucial to the success of any company, but especially small businesses as they're trying to grow.
  • This can be challenging without the proper tools and guidance.
  • By taking steps like controlling debt and doing a regular audit, businesses can keep their cash flow positive.

No matter what business you're in, money matters

"The most critical consideration for the financial security, stability, and growth of your company is the control of cash," US Small Business Administration says.

But keeping your cash flow healthy can be a real struggle. And managing that cash successfully while building a company is especially challenging for small-business owners.

So here are a few hacks for keeping your business' cash flow positive.

1. Know your numbers.

The most critical aspect of cash flow management is knowing where you stand. Consistently keeping a finger on the pulse of your business' money lets you spot issues early, sidestep obstacles, and identify opportunities.

Always remember: It is your business. So even if your books are managed primarily by someone else, stay current. Have your financial pro generate reports that matter to your company. Review your cash flow statement regularly and get clear on how much money is coming in and going out.

2. Plan expenses.

It's not enough to know where your funds have gone; you'll want to prepare for upcoming costs too.

Start with your recurring expenses, like rent, utilities, and payroll. Don't forget the less frequent costs, such as semiannual insurance payments or annual web-hosting fees. Then account for those one-off but anticipated costs, like that new printer you're bound to need in a few months.

Finally, build a healthy buffer into your cash reserves. It's completely normal for cash flow to vary over time. Maybe your business is seasonal, you're hit with a surprise expense, or it's simply a slow month.

Whatever the cause, you'll want cash on hand when your business needs it. With a solid safety net in a bank or credit union, you can tap those funds to support your company instead of dipping into debt.

3. Make sure you're getting paid.

You're working hard, so keeping your cash flow healthy means getting paid on time. Set up a foolproof system for sending invoices and tracking payments. Invoice promptly and designate a payment window that makes sense for both your industry and your company.

Ensure that your invoicing system or appointed representative sends automatic reminders when payments are due. Trouble collecting? Pick up the phone and talk to a person in your client's accounts-payable department.

If you're providing long-term services, consider a multiphase payment structure. Build into your contract an upfront deposit, and partial payments due when specific milestones are reached.

Simplify life for you and your client by making payment collection easy. Incorporate smart terminals and mobile readers into a physical business. Set up phone ordering, email invoicing, and credit-card payments.

4. Complete an expenses audit.

Unnecessary (or unnecessarily large) expenses can rapidly eat into a healthy business' cash flow. So make a point of sitting down at least once a year to review each of your company's expenses.

  • Which expenses do you no longer need?
  • Which ones aren't worth to you the amount you're paying?
  • Which could be replaced with cheaper or better options?
  • Which debts can you pay off or refinance with more favorable terms?
  • Should you replace equipment leases with outright purchases?
  • What new expenses would be smart to take on at this stage?

As you review your costs line by line, look constantly for opportunities to maximize the value of each dollar you're spending.

5. Be proactive about taking on debt.

Here's what you don't want: a sudden cash flow problem, like an unexpected tax bill, that sends you scrambling for whatever financing you can get. Instead, set yourself up now with access to credit, so that it's ready to go whenever you do need it down the road.

Look into a line of credit or a small business loan for your bank or credit union. And get a trusted business credit card to tuck in your wallet. Using a card helps you track and organize your expenses and can help in a cash flow pinch. So, it's important to choose a business card with plenty of valuable benefits and unlimited rewards

Ready to get a leg up on your company's finances? Learn how Capital One® can help you manage your small business' cash flow.

This post was created by Insider Studios with Capital One.

Join the conversation about this story »


          

5 Ways Solopreneurs and Small Businesses Can Get Funding   

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handshake over approved loan documentRaising money for a small business can be tough, especially if you’re a solopreneur. Here are five suggestions to get the funding you need.

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com. Click for more information about YEC Next.


          

5 Ways Solopreneurs and Small Businesses Can Get Funding   

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handshake over approved loan documentRaising money for a small business can be tough, especially if you’re a solopreneur. Here are five suggestions to get the funding you need.

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com. Click for more information about YEC Next.


          

5 Ways Solopreneurs and Small Businesses Can Get Funding   

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handshake over approved loan documentRaising money for a small business can be tough, especially if you’re a solopreneur. Here are five suggestions to get the funding you need.

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com. Click for more information about YEC Next.


          

Comment on Some Investors Locked Out of Investing in LendingClub Loans by KateB    

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Here are my guesses after my own experience and reading a number of comments. (1) Institutional investors increasingly edge out individual non-accredited investors. Remember when Lending Club started giving a certain group first access to certain notes? Their rejected notes would show up on the regular Platform (I actually tracked the ones I bought on the regular Platform when they did not fully fund, and these notes did rather well against regular Platform notes.) (2) Various states likely are raising their requirements to both offer and invest in these types of notes, in part because of complaints by investors who paid little attention to essential lending parameters like diversity and risk. (These are the same people who contact lawyers when a stock they own-and ran up with their mindless buying-suddenly falls out of favor and out of the stratosphere.) Lending Club is probably addressing these requirements right now. Because Lending Club is a public company, they may be subject to more government regulation than Prosper (who to date has NOT put new limits on state residents.) (3) I think already purchased and held notes will process normally. I am unconcerned about loss of capital due to new requirements-unless it creates moral hazard so that more of my note holders default than would otherwise. (4) I have been having a problem finding the high quality notes I prefer for some time at Lending Club, and that may continue or worsen-or I may be in the group of people no longer allowed to invest on the Platform. Hopefully Folio will remain open to us. (5) Lending Club has been very good to me. Their customer service has been exceptional. My opinion: Lending Club took advantage of terrible Obama admin. regulations intended to harm the banks, stall small businesses and entrepreneurs, and slow our economy. Lending Club provided an amazing opportunity for smaller borrowers and small investors. Naturally this attracted larger investors and institutional investors over time. Even Goldman Sachs jumped in and created their own version of online lending: Marcus. (6) I don't have a lot of sympathy for LC investors who didn't pay attention to their selection of notes, didn't bother to diversify, didn't pay attention when the quality of borrowers took a dive, invested in the riskiest categories of notes with the idea of making a fortune on something they didn't study and didn't understand-and in the process of endlessly whining and screaming about their bad returns will wind up limiting this amazing class of investment to once again: accredited investors. This just gives the government(s) the excuse for restricting investment to the already wealthy. Maybe I shouldn't be surprised that my much smaller account at Prosper is outperforming the larger one at Lending Account by 1-1/2%. (I stopped buying notes at either about a year ago- although I may start buying again in the Prosper account - so the majority of the notes are 2-4 years old.) Since some people pay off early and some default, the Lending Club account is liquidating at a reasonable pace. I am putting proceeds into Fundrise, which has been paying approximately 8-1/2% for a few years.
          

Taboola and Outbrain to Merge to Create Meaningful Advertising Competitor to Facebook and Google   

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NEW YORK: Taboola and Outbrain, two digital advertising platforms, today announced that they have entered into an agreement to merge, subject to customary closing conditions. Both companies’ Boards of Directors have approved the transaction. The combined company will provide enhanced advertising efficacy and reach to marketers worldwide, while helping news organizations and other digital properties more effectively find growth in the years to come.

“Over the past decade, I’ve admired Outbrain and the innovation that Yaron Galai, Ori Lahav and the rest of the Outbrain team have brought to the marketplace. By joining forces, we’ll be able to create a more robust competitor to Facebook and Google, giving advertisers a more meaningful choice,” said Adam Singolda, Founder & CEO of Taboola. According to eMarketer, almost 70% of total U.S. digital advertising revenue in 2019 is controlled by only three companies-Google, Facebook and Amazon. “We’re passionate about driving growth for our customers and supporting the open web, which we consider critical in a world where walled gardens are strong, and perhaps too strong. Working together, we will continue investing to better connect advertising dollars with local and national news organizations, strengthening journalism over the next decade. This is why we’re merging; this is our mission.”

“We are excited to partner with Taboola. Both Outbrain and Taboola have a shared mission and vision of supporting quality journalism globally and delivering meaningful value to the open web marketplace,” said Yaron Galai, co-Founder and co-CEO of Outbrain. “Ori and I had a vision of helping people discover quality content online, and we see a tremendous opportunity in joining forces in order to bring the next wave of innovation to our publisher partners and advertisers. I’m confident that together, we will be able to further our mission, which we call our Lighthouse, of bringing the best, most trustworthy content discovery capabilities to users around the world.”

Upon closing, Adam Singolda, the Founder and current CEO of Taboola, will assume the CEO position of the combined company, which will operate under the Taboola brand name, with branding to be determined and to reflect the merger of the two companies. Under the terms of the merger agreement Outbrain shareholders will receive shares representing 30% of the combined company plus $250 million of cash. The Board of Directors of the combined company will consist of current Taboola and Outbrain Management and Board members. Eldad Maniv, President & COO of Taboola and David Kostman, co-CEO of Outbrain will work closely together on managing all aspects of the post-merger integration. Yaron Galai will remain committed to the success of the combined company, and actively assist with the transition for the 12 months following the closing.

“We are fortunate to have great talent at both Outbrain and Taboola,” said Eldad Maniv. “As soon as the merger closes, we will work to integrate teams, technologies and infrastructures so we can quickly accelerate growth across all dimensions. We have set aggressive goals for bringing value to our customers, driving technology innovation and delivering financial results to our shareholders through increased efficacy and innovation. By working with David and the Outbrain team, I’m confident we can achieve them.”

“For over 10 years, each company has built incredibly powerful solutions that have helped tens of thousands of publishers and advertisers thrive,” said David Kostman. “I look forward to working together with Eldad and his team to bring together the best of each company’s technology, product and business expertise to build a compelling global open web alternative to Google and Facebook.”

The combined company will have over 2,000 employees across 23 offices, serving over 20,000 clients in more than 50 countries across the North America, Latin America, Europe, Middle East and Asia-Pacific regions.

Compelling Strategic and Financial Rationale for the Merger Key strategic benefits of the merger include:

1. Increased Advertiser Choice: The combined company will be able to provide advertisers, from small businesses to global brands, with a meaningful competitive alternative to Google and Facebook-the companies currently known as the “Duopoly” that command the vast majority of digital ad spend.

2. Greater Advertising Efficiency: A unified and consolidated buying platform will provide advertisers with greater efficiencies, helping them reach their awareness, consideration and conversion goals.

3. Higher Revenue and User Engagement to Publishers, Mobile Carriers and Mobile OEMs: Through increased investment in technology and expanded reach, the combined platform will be able to increase revenue to publishers, mobile carriers and device manufacturers, and drive better user engagement.

4. Accelerated Innovation: By combining two of the strongest data science and AI teams in the industry, and by accelerating investment in R&D, the company will be able to better address the evolving needs of its partners and customers.

5. Better Consumer Experience: Increasingly, Taboola’s and Outbrain’s solutions are embraced directly by consumers to help them discover what’s interesting and new, at moments when they’re ready to explore. For example, Taboola News is now embedded in over 60 million Android devices worldwide. The combined company will be able to accelerate the development of such innovative solutions, improving people’s ability to enjoy quality journalism.

Representation J.P. Morgan Securities LLC acted as a financial advisor to Taboola. Goldman, Sachs & Co. acted as a financial advisor to Outbrain. Meitar Liquornik Geva Leshem Tal Law Offices and Davis Polk & Wardwell LLP acted as legal counsel to Taboola, and Meitar Liquornik Geva Leshem Tal Law Offices, White & Case LLP and Wilson Sonsini Goodrich & Rosati acted as legal counsel to Outbrain.

About Taboola Taboola helps people discover what’s interesting and new. The company’s platform and suite of products, powered by deep learning and the largest dataset of content consumption patterns on the open web, is used by over 20,000 companies to reach over 1.4 billion people each month. Advertisers use Taboola to reach their target audience when they’re most receptive to new messages, products and services. Digital properties, including publishers, mobile carriers and handset manufacturers, use Taboola to drive audience monetization and engagement. Some of the most innovative digital properties in the world have strong relationships with Taboola, including CNBC, NBC News, USA TODAY, BILD, Sankei, Huffington Post, Microsoft, Business Insider, The Independent, El Mundo, and Le Figaro. The company is headquartered in New York City with offices in 15 cities worldwide.


          

5 Ways Solopreneurs and Small Businesses Can Get Funding   

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handshake over approved loan documentRaising money for a small business can be tough, especially if you’re a solopreneur. Here are five suggestions to get the funding you need.

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com

The post 5 Ways Solopreneurs and Small Businesses Can Get Funding appeared first on AllBusiness.com. Click for more information about YEC Next.


          

You Can’t Protect What You Can’t See: Improving Cybersecurity with Monitoring Solutions    

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When a data breach hits the headlines, questions often arise for those not familiar with cybersecurity. How did the organization not realize what was going on? Why did they ignore all the warning signs? Those more familiar with just how massive IT infrastructures can be understand that the issue is not a matter of ignoring warning signs, it’s an inability to see them at all. Security monitoring solutions like a SIEM can provide valuable insights and prioritize alerts, distinguishing between those that could lead to thwarting a devastating breach, and those that are harmless incidents. Read on to find out how threat escalation, centralization, diverse integrations, and network monitoring can help clear the line of sight.

A Centralized Hub for Security Monitoring

A SIEM solution can consolidate any number of data streams, becoming your organization’s primary security monitoring tool. A solution like Event Manager provides a centralized hub with useful dashboards and information, ensuring that analysts don’t miss anything simply because they were looking at another screen. With 68% of those surveyed in the 2019 SIEM Report by Cybersecurity Insiders confirming that they used SIEM for monitoring, correlating, and analyzing activity across multiple systems and applications, it’s clear that SIEM solutions are a successful way to provide new insights with the added context of seeing security data pulled from a variety of systems.

Monitoring Datastreams without Exception

Unique or non-standard data sources can become a blind spot for organizations. Not all monitoring tools have the capability to support unusual assets like a homegrown database or third-party applications. If nearly all of your datastreams are being monitored, it’s easy to let the few applications that aren’t slip the cracks. Organizations should perform a thorough audit of the types of assets they have before choosing a monitoring tool. SIEM solutions like Event Manager can be tailored to integrate any type of datastream.

Automatically Discover New Devices with Network Monitoring Tools

Another potential blind spot that threat actors can take advantage of is the onboarding of new data sources. New assets are typically set up by members of IT staff outside of the security team. There is often a long delay between when a new device or application is deployed and when it is integrated into a security monitoring tool.

Network monitoring solutions like Intermapper create a network map, showing exactly what's happening on an organization’s network. Intermapper continuously monitors for performance issues, outages, bandwidth, and any other changes in the network, including the appearance of new devices. By integrating a solution like Intermapper into a SIEM like Event Manager, security analysts will immediately become aware of the presence of a new datasource that needs to be monitored for security events, ensuring that there isn’t a long absence of coverage that would allow for malicious activity to occur unnoticed.

Organizations have a portfolio of solutions dedicated to making sure their IT environment runs as smoothly as possible. Though these tools often work in isolation, solutions that can work together are truly powerful. Intermapper and Event Manager are a perfect example of how two solutions can collaborate to make an even safer security posture. Such tools are straightforward to deploy, intuitive to use, and also work for organizations with any budget, as free versions of both Event Manager and Intermapper are both available.

Ultimately, visibility into your IT infrastructure doesn’t merely come down to having all the raw data. This data must be filtered, given context, and prioritized in order for it to become useful information. Using monitoring tools like SIEM solutions to transform data into insights give security analysts a clear outlook, allowing them to take all the necessary measures to protect your organization effectively.

 

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Improving Cybersecurity with Monitoring Solutions
Vulnerability Management
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Ready to Get Visibility Into Your Environment?

People often perceive the costs of implementing security solutions as being prohibitively high. Small businesses have limited budgets, larger organizations may just need to get started monitoring critical assets. Either way, HelpSystems has you covered with full featured free product usage.


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