When Does Paychex Direct Deposit Go Through

How to Write an Investment Policy Statement – A Guide to Help Keep Your Investments on Track

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Mon Feb 19 12:45:40 PST 2018

Do you have an Investment Policy Statement (IPS)? If not, then you are missing out on one of the key ingredients of a successful investing career. An Investment Policy Statement is a written policy of your investment goals and objectives, helping you stay on track regardless of what the markets are doing. And every investor ... Read More about How to Write an Investment Policy Statement – A Guide to Help Keep Your Investments on Track

The post How to Write an Investment Policy Statement – A Guide to Help Keep Your Investments on Track appeared first on Cash Money Life | Personal Finance, Investing, & Career.

12 Little Ways You Can Upgrade Your Business Technology to Make a Big Difference

by Rieva Lesonsky @ Fundera Ledger

Tue Mar 27 10:33:59 PDT 2018

Here’s your factoid of the day: Businesses that harness digital technology earn twice as much revenue per employee as businesses […]

The post 12 Little Ways You Can Upgrade Your Business Technology to Make a Big Difference appeared first on Fundera Ledger.

Waiver of Premium Rider

by Paul Moyer @ Cash Money Life | Personal Finance, Investing, & Career

Wed Dec 27 11:35:42 PST 2017

Life insurance can provide peace of mind in knowing that loved ones and survivors will have the funds that they need in case of the unexpected. But, not all life insurance policies are exactly alike, so in many cases, adding various riders can help to better “customize” the coverage to fit specific anticipated needs. A ... Read More about Waiver of Premium Rider

The post Waiver of Premium Rider appeared first on Cash Money Life | Personal Finance, Investing, & Career.

The US Financial System and Alexander Hamilton

by Square @ Business Resource Center | Town Square

Wed Aug 31 17:00:00 PDT 2005

Alexander Hamilton was the United States’ first secretary of the Treasury, serving during George Washington’s administration. Hamilton was never president, but he made significant contributions to the financial system of this country. These contributions gave Hamilton a prominent position in history. He also has the distinction of being featured on United States currency even though he was not a president. Many of the business solutions that exist today, including modern credit card processing, are in place as a result of the contributions of Hamilton.

Hamilton was born in the West Indies in the mid-1750s, although his precise birth date is not known. Hamilton grew up in the Virgin Islands. As a young man, he wrote an essay that garnered attention from local community leaders. The leaders worked together to raise funds to send Hamilton to the Colonies to attend school. Hamilton served in the Revolutionary War under General George Washington. When Washington later became president, he chose Hamilton to become the first secretary of the Treasury. As secretary, Hamilton was involved in the institution of the National Bank and a national currency.

Hamilton had inventive financial ideas. After the end of the Revolutionary War, many states carried debts that they were not repaying. The value of these public securities was nil, but Hamilton had a solution. He proposed that the federal government repay all of the state debts at their full value. This repayment would be an effective way to legitimize the federal government. The means of financing the repayment involved issuing new security bonds to investors. These investors were excited about making significant profits. Hamilton was also instrumental in the creation of a national bank and a centralized currency.

Hamilton’s plan for the new country’s financial system had three major parts. Assuming the states’ debts by issuing interest-bearing bonds was the first part of the plan. Hamilton also instituted tariffs for imported goods as a way of raising federal revenue and helping domestic businesses. With the establishment of a new national bank, Hamilton created a way for the United States to hold funds and use securities as capital to encourage future growth.

The Hamiltonian Economic Program consisted of Hamilton’s proposals set forth during his time serving as secretary of the Treasury. Hamilton created three different reports that outlined his program and proposals. The reports were the First Report on Public Credit, the Second Report on Public Credit, and the Report on Manufactures. Congress implemented Hamilton’s economic program.

The First Report on Public Credit included analysis of the financial standing of the United States. This report made recommendations about reorganizing the national debt and establishing public credit. The report contained 40,000 words, with a focus on assumption of state debt from the war and redemption of government securities. Congress debated the proposal, eventually reaching a compromise in 1790.

The Second Report on Public Credit is sometimes called the Report on a National Bank. In this report, Hamilton proposed the creation of a central bank for the United States. By issuing federal bank notes, the country could increase the money supply. Hamilton’s vision of the bank involved creating a stable financial system for the new country.

The third report was the Report on Manufactures. This report focused on encouraging manufacturing with subsidies to various industries and by regulating trade with tariffs. The purpose of the tariffs was to raise revenue for the new government. These tariffs would also help encourage domestic manufacturing, which would help the country’s economy grow internally. The subsidies would also support manufacturing without affecting supplies or causing prices to increase.

Other Financial Information During Alexander Hamilton’s Time as Secretary of the Treasury

Timeline

Follow a useful chronological timeline of the major events in Alexander Hamilton’s life.

Biography

Learn more about Hamilton’s life, childhood, and how he came to be the first secretary of the treasury of the United States.

His Sense of Humor and the Art of Governance

Hamilton has had a problematic reputation as a monarchist who despised the masses, but the truth is almost always more complicated.
Hamilton’s Opinion as to the Constitutionality of the Bank of the United States: 1791

Was the creation of the bank of the United States constitutional, and did others support it?
Opinion on the Constitutionality of a National Bank
Read about the showdown that happened between Hamilton and Jefferson regarding the disagreements over the role of the the federal government with regard to the bank.
Who Was Alexander Hamilton?
The man behind the bank had a fascinating life story; learn more about it here.
Alexander Hamilton, The Economist

Hamilton probably had the most impact on America as an economist.
A Summary of the Reports on Public Credit

Here, you can read a shortened version of the hot debate regarding public credit.
Alexander Hamilton and the National Bank

If you really want more information, read this complete thesis on Hamilton’s life and influence.

Tim Nelson Joins Merchants Bank in Lakeville as Mortgage Lender

by Merchants Bank @ Merchants Bank Blog

Thu Feb 22 09:37:01 PST 2018

Tim Nelson has joined Merchants Bank in Lakeville as a Mortgage Lender, according to Dan Vlasak, President of Merchants Bank in Lakeville. “Tim is experienced in all types of mortgage loans, including construction loans, which will help Merchants Bank support our construction customers in the Lakeville area,” Vlasak said. Nelson worked at Wells Fargo as […]

coworker’s expensive wedding registry, how can I help my heartbroken boss, and more

by Ask a Manager @ Ask a Manager

Mon Mar 26 21:03:43 PDT 2018

It’s five answers to five questions. Here we go… 1. My boss wants us to buy a colleague expensive gifts from her wedding registry I generally know your feelings on this, but I’ve got another question about gifts flowing upwards. One of our senior level executives, Sansa, is getting married in a few months. Sansa […]

What is a General Ledger?

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Feb 16 01:45:41 PST 2018

The General Ledger is one of the most important components of any accounting system, and you will need to know what it is and how it works, to understand basic bookkeeping, particularly if you want to handle your own books. In bookkeeping/accounting, there are three types of ledgers: #1 The sales ledger #2 The purchases […]

Paychex missed payday!

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How to do Payroll Taxes and Process Payroll Yourself

Square

Processing your own payroll is easier than you think! Start saving on payroll expenses today- here are 3 easy ways to do payroll yourself.

Time needed to process a payroll

Gusto

If you're paying your employees through direct deposit, you'll want to run your payroll 4 business days (excluding weekends and bank holidays) prior to your employee payday due to the standard Auto...

MailChimp Competitors

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post MailChimp Competitors appeared first on Lendvo.

my employee works from home too much

by Ask a Manager @ Ask a Manager

Wed Mar 14 09:30:57 PDT 2018

This week on the Ask a Manager podcast, I talk with a manager who gives her staff a lot of flexibility when it comes to working from home, and she’s concerned one employee is using that flexibility in a way that isn’t quite working for their team. Here’s the letter she sent to me, and you […]

Direct Deposit snafu

by Josh_Your_IT_Guy @ Spiceworks Community

Tue Apr 05 03:53:17 PDT 2016

We use ADP and they conveniently forgot to pay Social Security. It was being removed from our checks, but we all got letters from SS stating no money was deposited into our accounts. Trying to fix it is fun, you call them and get put into a "let me transfer you" circle.

What Is QuickBooks Error -6144, 0?

by Chief Mechanic @ QBGarage.com

Fri Dec 07 09:15:47 PST 2012

According to Intuit, QuickBooks Error -6144, 0 and the related error -6144, -103 are accompanied by the message “An error occurred while QuickBooks tried to access the company file”. They are caused by either: an incorrect path in your .nd file to your company file (.qbw) or damage to the Windows user account used by […]

The post What Is QuickBooks Error -6144, 0? appeared first on QBGarage.com.

Volunteers sew teddy bears for hospitalized children

by Velvet Spicer @ Rochester Business Journal

Tue Mar 27 06:18:34 PDT 2018

Resident volunteers from Legacy at Willow Pond will get together this week to continue a tradition that started more than a decade ago. Nearly two dozen residents and other community volunteers will gather Friday to sew teddy bears to comfort young patients at UR Medicine’s Golisano Children’s Hospital. As part of the Friends of Strong ...

Our New Forum, Part 2

by Chief Mechanic @ QBGarage.com

Sat Sep 10 21:26:43 PDT 2011

We’re in the early stages of setting up a forum for new questions that aren’t covered by our QuickBooks KnowledgeBase. We had an active forum before but found the format wasn’t ideal for the material we wanted to present, so we closed it. Still, we missed the opportunity for easier interaction that it offered, so […]

The post Our New Forum, Part 2 appeared first on QBGarage.com.

Seller Spotlight: Lilybelle Flowers

by Square @ Business Resource Center | Town Square

Mon Jun 02 17:00:00 PDT 2014

We started the Seller Spotlight series to help our sellers share their magic with the world. The short profiles capture the trade, advice from sellers, and what they love about running their business. (Sometimes we even throw in a curveball about what band best represents them.)

Take a look at one of our favorite spotlights with Cheri of Lilybelle Flowers. You can see our full playlist of Seller Spotlights on YouTube.

am I sabotaging my former intern’s job prospects?

by Ask a Manager @ Ask a Manager

Thu Mar 22 10:59:20 PDT 2018

A reader writes: About two and a half years ago, I was hired by a cultural organization as their only staff person. While the job was not without its challenges, it was a great learning experience and I excelled in my role, which has greatly boosted my professional reputation in my area (it’s a small […]

can I be paid in comp time instead of overtime pay?

by Ask a Manager @ Ask a Manager

Mon Mar 26 10:59:42 PDT 2018

A reader writes: I work for a chapter of a national nonprofit organization managing several fundraising events. I am becoming increasingly frustrated with the way our organization handles overtime during our busy event season, and am wondering if it’s completely legal. At the end of 2016 with the pending overtime law, the organization decided to […]

Monthly Recurring Revenue Explained

by Park City Bookkeepers @ Park City Bookkeepers®

Tue Mar 27 10:19:43 PDT 2018

Monthly Recurring Revenue, or MRR, is a monthly amount of revenue secured by a business on an ongoing basis. It is one of the main metrics for a subscription-based business model, where customers pay fees every month, in exchange for services or products. Recurring revenue is preferred because it scales over time. As a business increases its customer base, […]

E-Commerce 101: Sell Big with Weebly and Square [VIDEO]

by Square @ Business Resource Center | Town Square

Sun Apr 23 17:00:00 PDT 2017

Having a strong online presence and utilizing an omnichannel commerce strategy is increasingly important. So whether your business has been around for five months or 50 years, a website can be a key contributor to your success.

To help you get started, Christina Dam, product marketing lead at Square, recently sat down with Vitaly Odemchuk, head of design at Weebly, and Kim Chappell, Weebly’s head of communications, at General Assembly SF to discuss web design and omnichannel best practices.

They were joined by business owners Paige and Chris Curtis of Alibi Interiors and Jeff and Justin Wiguna of Kiju Coffee, who spoke with the crowd about their e-commerce experiences.

During the event they discussed:

Best practices for designing a great website, including creating a catchy headline and selecting key visuals for your site
How to build a seamless omnichannel strategy
How to optimize your marketing practice to save time and stay creative

How Does QuickBooks Attached Documents Handle Security?

by Chief Mechanic @ QBGarage.com

Sat Mar 19 10:06:07 PDT 2011

QuickBooks Attached Documents addresses the need for security by providing 4 levels of application permissions across 8 areas of QuickBooks functionality under an account overseen by a single user. Users log into Intuit’s secure servers using an email address and password. While we’re on the subject of security, there’s one small drawback: the password is […]

The post How Does QuickBooks Attached Documents Handle Security? appeared first on QBGarage.com.

should I point out job applicants’ mistakes to them?

by Ask a Manager @ Ask a Manager

Tue Mar 20 09:30:30 PDT 2018

A reader writes: I supervise a summertime internship program at my job, which attracts mainly college-age applicants. A huge component of the internship is attention to detail. This week I received five applications for the internship. Three of those have included detail errors, some minor and some major. For example: 1. The first applicant stated […]

my beloved boss was fired, is curly hair unprofessional, and more

by Ask a Manager @ Ask a Manager

Wed Mar 14 21:03:11 PDT 2018

It’s five answers to five questions. Here we go… 1. My beloved boss was fired My company has been going through a long, drawn-out restructuring that has been very painful and anxiety-provoking. For example, we were told in December that the department I work for was going to be restructured, and are finally scheduled to […]

Should You Offer a Nonqualified Deferred Compensation Plan?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Mar 26 05:10:00 PDT 2018

You know employees like employer-sponsored benefits. As an employer, offering benefits is advantageous for your business, too. A nonqualified deferred compensation plan is one type of benefit that both you and your employees can enjoy. Find out what a nonqualified deferred compensation plan is, why you might consider offering it, and how to set it […]

The post Should You Offer a Nonqualified Deferred Compensation Plan? appeared first on Payroll Tips, Training, and News.

History of Marketing

by Square @ Business Resource Center | Town Square

Sat Sep 30 17:00:00 PDT 2000

A business that sells products or services must have a way of attracting customers. The process of promoting a company's products or services to gain customers is known as marketing. Successful marketing also goes one step further because a business should also pursue ways to retain customers for future sales. The size of a company determines marketing strategy. Some companies may have a department dedicated to performing this work. Other companies may need to pursue these tasks while performing other work, too.

What Is Marketing?

People who buy products and services must have a way of learning about the various companies that provide them. To succeed, companies must have a plan for advertising products or services so people who want them have the opportunity to purchase them. Successful marketing involves a variety of different tactics, with everything working together to promote products or services and retain customers. In-depth research is the crux of successful marketing because a business owner must have data that indicates that a product or service will resonate with consumers.

History of Marketing and Timeline

Enterprise and economies have a long history dating back to ancient eras. People have been engaging in commerce for thousands of years. Hence, ancient people utilized some forms of marketing as they conducted business. The Industrial Revolution paved the way for more modern forms of advertising and retailing of goods and services.

Print Advertising, 1450s: Print advertising made it possible for retailers to pass out brochures and fliers to potential customers.

Magazines, 1730s:The first magazines were developed and released.

Posters, 1839: France banned posters on private property.

Billboards, 1867: People began renting billboards for advertising.

Radio Advertising, 1922: Businesses began purchasing advertising time on the radio.

Television Advertising, 1941: Records indicate that people began purchasing television advertising at this time.

Telemarketing During the 1950s: Telemarketing was born, with businesses utilizing the telephone to reach potential customers.

Mobile Advertisements Between the 1970s and 1994: Advances in technology enabled new marketing capabilities via the Internet such as e-commerce promotions, database marketing, guerrilla marketing, and computer-oriented spam.

Search Marketing, 1995: Companies began the process of working to promote a business by getting search engines to send traffic to a website. Firms also began utilizing search engine optimization, or SEO, to drive traffic to websites via the use of keywords typed by consumers in search engines.

Blogging, 1998: Businesses and individuals began creating blogs as vehicles to share professional or personal information.

PPC, 2000: Pay-per-click surfaced in this year as an Internet marketing technique in which a company pays a small fee for every click on an advertisement.

Social Media, 2003: Social media websites became popular at this time as a way for people to share information and ideas with others on the Internet, including commercial messages.

Google Analytics, 2005: Google provides website owners with information about people who visit their websites that can help them see if they're reaching their audience.

Types of Marketing

Companies can utilize different types of marketing for promotion. Internet marketing is prevalent with today's advanced technology. This type of marketing includes any promotions that occur on the Internet, such as social media marketing, email marketing, and search engine marketing. Direct marketing includes activities such as cold-calling potential customers, sending newsletters, and purchasing space on billboards. Another marketing strategy includes maintaining a connection with previous customers via thank-you notes and special promotions.

The Role of Marketing

Marketing has a direct impact on sales and a company's overall profitability. Researching sales forecasts will determine how a company plans its production. Careful planning is crucial to ensure that a company remains solvent with expenses and income. Marketing enables a business to learn about its potential customers, which helps it to fulfill the needs and desires of consumers. Marketing also enables a company to test certain products or services to see whether they are successful with consumers. With a positive consumer response, a company can proceed with a sales plan. A meager response might lead to reorganizing a campaign and trying again to test consumer response.

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weekend free-for-all – March 24-25, 2018

by Ask a Manager @ Ask a Manager

Sat Mar 24 07:00:39 PDT 2018

This comment section is open for any non-work-related discussion you’d like to have with other readers, by popular demand. (This one is truly no work and no school.) Book recommendation of the week: The Amateur Marriage, by Anne Tyler. A multi-generational saga, all stemming from a marriage that probably shouldn’t have happened.

Chase Business Checking Account Review – and $200 Sign Up Bonus!

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Thu Mar 15 14:57:44 PDT 2018

Chase Bank is one of the largest banks in the US, with the second highest number of physical branches. This makes them well-positioned to offer a Business Checking product that can meet the needs of just about any size business. In this Chase Business Checking review, we take a deep look at what Chase Bank ... Read More about Chase Business Checking Account Review – and $200 Sign Up Bonus!

The post Chase Business Checking Account Review – and $200 Sign Up Bonus! appeared first on Cash Money Life | Personal Finance, Investing, & Career.

open thread – March 23-24, 2018

by Ask a Manager @ Ask a Manager

Fri Mar 23 08:00:39 PDT 2018

It’s the Friday open thread! The comment section on this post is open for discussion with other readers on anything work-related that you want to talk about. If you want an answer from me, emailing me is still your best bet*, but this is a chance to talk to other readers. * If you submitted […]

This Week’s Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Aug 21 17:00:00 PDT 2014

Welcome to our weekly series of must-read small business articles. Every Friday, we’ll be doing just what it sounds like—sharing the articles we think will be the most interesting to Square sellers. (Also, just some fun stuff). Here’s what we’ve got this week:

Here’s how to tell if your website needs a revamp. Hint: You can’t read it on your phone.

Unless you’ve been under a rock, you know Apple’s unveiling a new iPhone next Tuesday. Gizmodo rounds up everything we think we know about the iPhone 6.

Americans spent $55.7 billion on pets last year. So maybe it’s not so surprising that there’s now a food truck for dog treats, complete with a canine selfie station. At least duck face isn’t possible.

Just like you should never ask someone if they’re pregnant, you should never assume somebody’s getting married. Words to the wise to Pinterest this week.

Soon, you’ll never get the question “paper or plastic?” again in California.

Here’s what it looks like when an entire small town is converted into a Bud Light beer ad (it’s not so cool).

Yelp dodged a bullet. (Its reputation is not so lucky).

Starbucks is getting fancy. They announced plans to open a new upscale location in Seattle, along with an express mini store in New York.

Webinar: Smart Strategies to Streamline Your Business with Square and QuickBooks

by Square @ Business Resource Center | Town Square

Thu Dec 03 16:00:00 PST 2015

Tuesday, January 26th

10:00 am PT | 10:45 pm ET

45 minutes + Q&A

Having a best-in-class, integrated platform on which to run and grow a business isn’t just for the big guys. With a little know-how and some smart strategies, connecting the industry’s top tools into one seamless system is simple and will benefit your small business.

Join us in this free webinar to learn how you can leverage the power of Square’s payments with QuickBooks’ robust accounting solution to streamline your business. We’ll show you how to easily connect Square and QuickBooks using the free Sync with Square app. Plus, we’ll walk you through the hottest new features from Square and QuickBooks and share insider tips on how to get the most out of them.

In this power session:

Learn how to easily integrate Square, QuickBooks, and other top business tools
Get expert tips to help you track sales and expenses, pay employees, and more
See a behind-the-scenes look at Square and QuickBooks newest features

win a copy of the new Ask a Manager book

by Ask a Manager @ Ask a Manager

Mon Mar 12 09:30:58 PDT 2018

Want to win a copy of the new Ask a Manager book? My publisher is giving away 25 free copies to readers of this site, and you can enter to win one here. Ask a Manager: How to Navigate Clueless Colleagues, Lunch-Stealing Bosses, and the Rest of Your Life at Work will be published by Random House/Ballantine on […]

A Legacy of Learning: Paychex Ranks Among Top 125 Training Organizations for 17th Straight Year, Ascends to No. 14

by Michael DiLuglio @ Paychex Newsroom

Fri Feb 16 08:30:47 PST 2018

Delivering more than one million training hours to its nearly 14,000 employees last fiscal year, Paychex, ranks No. 14 on Training magazine's Top 125 list.

The post A Legacy of Learning: Paychex Ranks Among Top 125 Training Organizations for 17th Straight Year, Ascends to No. 14 appeared first on Paychex Newsroom.

interview with a nanny for a famous psychic

by Ask a Manager @ Ask a Manager

Thu Mar 15 07:59:53 PDT 2018

Occasionally I do interviews here with people who have had particularly interesting jobs. Recently a commenter here mentioned that she used to be a nanny for a famous psychic, and I wanted to know more. She kindly agreed to be interviewed, and here’s our conversation. Note: This interview contains references to the interviewee’s spiritual beliefs, […]

Get the Most Out of Square: The Hottest New Features We Launched in October

by Square @ Business Resource Center | Town Square

Thu Oct 29 17:00:00 PDT 2015

We’re constantly releasing tools to help you start, run, and grow your business. In October, we launched a bunch of cool new features that already have thousands of power users.

To make sure you’re getting the most out of Square, here’s an October highlight reel of what’s new.

Sick leave management in Square Payroll

Square Payroll now makes it easy to manage your sick leave and time off policy. Just set your paid time off policy for each team member, and Square Payroll takes care of the rest. Each time you run payroll, your employees’ remaining balance is calculated and included on their pay stub. When employees take time off, simply enter the hours they’re out, and those hours will be paid in your next pay run. (This feature is currently available in California.) Learn more.

Sync your online and in-store inventory levels

Now you can quickly import items from your Square account to your Bigcommerce-hosted online store. And when you connect Square with Bigcommerce, you can instantly reconcile inventory levels when you make sales both online and in-store. Learn more.

New time-saving invoicing features

To help you close the books faster, you can now add multiple recipients to your invoices and easily apply discounts. We’ve also made the cancellation policy on invoices a lot more flexible. Learn more.

Quickly take your brick-and-mortar store online

Our new integration with Ecwid makes it supersimple to take your brick-and-mortar store online in minutes — and start selling across other channels like Facebook and Tumblr. Learn more.

Customer activity in Premium Profiles

In your Customer Directory, Premium Profiles now include a running list of recent customer activity. You can see when and what your customers buy, which emails you’ve sent them, who is sending you feedback, and more. Premium Profiles are available to Customer Engagement Pro subscribers. View your Customer Directory.

California’s New Paid Sick Leave Law: What Employers Need to Know

Sell Online and In-Store? Our New Bigcommerce Integration Helps Streamline Inventory Logistics

How to Craft a Stellar Holiday Marketing Campaign

Car insurance in Vermont

by Andy Frakes @ finder US

Tue Mar 27 10:52:47 PDT 2018

Compare the cheapest car insurance in Vermont. Learn about the state's auto insurance laws and steps you should take after an accident.

History of American Small Business

by Square @ Business Resource Center | Town Square

Sat Sep 30 17:00:00 PDT 2000

America has always been the land of opportunity. For centuries, people have come to America with the hopes of starting a new life and seizing all of the opportunities that the country presented them with. Every business that we know of today began as a dream, which then turned into a small business. As Calvin Coolidge once said, “The chief business of the American people is business.” These small businesses were the backbone of the country, and that continues to hold true today. Millions of people have started and developed a small business in America.

People who fought to get to America, whether as an immigrant, a refugee, or an explorer, have often had an entrepreneurial spirit. Entrepreneurship in America was seen throughout the country’s development. Great American entrepreneurs like Benjamin Franklin, P.T. Barnum, and Henry Ford had brilliant ideas that they took and used to begin their own small businesses. These Americans took their passion, drive, and capital and turned their ideas into functioning, profit-turning companies. These pioneers in small business set the example for what owning a small business in America would become and proved to many disbelievers that it was possible to follow one’s dreams.

Small business development dates as far back as the 1600s, when Americans would trade crops, supplies, and services. As the nation itself was developing, all businesses were small at that time. Machines were not yet available, and automation was unheard of. Transportation was extremely slow, and banks had not yet been established. America was still working out the groundwork for such things, including taxes. In the 1800s, after the nation become independent, small businesses really began to boom. The monetary system grew along with the burgeoning economy. As businesses started up and offered an increasing number and variety of products, more and more people began to show interest in what was being offered. Sometimes, these people did not have goods or services to barter with. Thus started the development of establishing credit with a small business owner. Credit coins and charge plates began being used in place of cash or the exchange of goods. These credit coins signified that a payment was due at a later date. Soon, credit card processing would be completely modernized and computerized. The credit card processing world began with the first bank card, called “Charg-It,” introduced in Brooklyn in 1946, and evolved with the expansion of a restaurant credit card, called the Diners Club card, to become a universal card accepted by a vast range of retailers.

As America grew, so did its small businesses. With the development of small businesses in the 1970s and 1980s, America was able to prove their stability. Many of the larger corporations at that time could not stand strong in the face of growing foreign competition, but small businesses rose to the challenge. Because small businesses began doing so well, people in the 1980s expressed great interest in entrepreneurship and thus, start-up companies expanded. Around that time, Silicon Valley became the center of the start-up world in California. Venture capital financing became very popular, and many people who had an idea wanted to turn it into a business.

Hundreds of schools across the nation have fostered Americans’ desire to start their own businesses and have since dedicated majors to entrepreneurship and small business ownership. In addition, interest in starting small businesses has inspired organizations like the U.S. Small Business Administration and Small Business Development Centers. Such organizations guide small businesses in the right direction so that they can grow and make a profit, and they have branches all over the United States. Organizations that help small businesses began with the Reconstruction Finance Corporation (RFC), started by Hoover in the times of the Great Depression. The RFC provided loans for businesses that were hurt by the Depression and inspired future organizations that would help small businesses in America. Since their inception, these organizations have guided countless small businesses across the country and supported them in the development of their companies. This support can come in the form of loans and counseling sessions and continues to be offered to the small businesses in America today.

One simply cannot ignore the effect that small businesses have had on America: After all, every major corporation in the country today had to start small. Small businesses have forever changed the business landscape of the country. In fact, they are so important that one week of each year is National Small Business Week. Entrepreneurs and small-business owners across the nation continue to expand and develop new ideas each and every day, and with the ever-changing business model, America is sure to continue fostering unique, profit-turning businesses in the years to come.

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5 Ways to Improve Your Odds of Getting a Small-Business Loan
8 Feel-Good Facts About U.S. Small Businesses (with Photos)
Here’s What American Entrepreneurs Really Look Like [INFOGRAPHIC]
The SBA On Why You Should Make the Switch to New Payments Technology
The Top Pain Points for Small Businesses â€” and How Square Can Help

how to answer job candidates’ questions about salary when I don’t have a range to provide

by Ask a Manager @ Ask a Manager

Tue Mar 27 10:59:21 PDT 2018

A reader writes: I work in HR for a small company and typically am involved with the phone screen and in-person interview portion of the hiring process. During these phases, we are not provided any information with regard to salary. Our CEO generally provides that information to me upon hiring and handles determining pay rates […]

Intuit Enters the Game

by Sultan4 @ Lendvo

Sun Nov 26 04:06:33 PST 2017

The post Intuit Enters the Game appeared first on Lendvo.

Sands family gives historic gift to Harley

by Diana Louise Carter @ Rochester Business Journal

Mon Mar 26 16:00:31 PDT 2018

The Sands Family Foundation has given The Harley School a $3 million donation, representing the largest gift in the school’s 100-year history, and paving the way for more competitive teachers’ salaries. The Sands family, which owns and operates Constellation Brands, has a three-generation connection with the school, with Constellation’s chairman and CEO, Richard and Robert ...

Dawn Stenberg Promoted to Assistant Vice President/Mortgage Lender

by Merchants Bank @ Merchants Bank Blog

Tue Mar 13 07:08:47 PDT 2018

Dawn Stenberg has been promoted to Assistant Vice President/Mortgage Lender at Merchants Bank in Winona, according to Sue Hovell, Director of Retail Banking Performance at Merchants Bank. “This promotion recognizes Dawn for the leader that she already is here at Merchants,” Hovell said. “She has extensive knowledge of the mortgage process and has used that […]

Direct Deposit snafu

by Romo @ Spiceworks Community

Mon Apr 04 11:06:45 PDT 2016

Lots of steps involved. There are deadlines/cutoff times. Hopefully your HR dept approved and sent the file to WF in time. But you're saying that WF missed this for all of their customers. Maybe their system went down. Maybe they missed the cutoff with the Federal Reserve. Might be time to start looking for a new payroll vendor. Not sure if ADP or Ceridian are partners here, but they'd be my go-to alternatives.

will it hurt me to apply for multiple jobs at the same company?

by Ask a Manager @ Ask a Manager

Wed Mar 14 10:59:03 PDT 2018

A reader writes: I’ve been trying to start a career at the entry-level in a difficult industry to break into for quite some time. I wasn’t as tenacious as I should have been in my initial round of applications nearly a year ago, but now I’m finally ready to jump on every listing that fits […]

#MeToo movement is changing how companies deal with harassment with Theresa Rusnak and Kate McClung

by kplessinger @ Rochester Business Journal

Thu Mar 22 06:51:47 PDT 2018

In this episode of the Rochester BizCast, Theresa Rusnak and Kate McClung, labor and employment attorneys at Bond Schoeneck and King PLLC, explain how the #MeToo movement is changing the way companies are dealing with harassment complaints and revamping their approach to training and hiring.

Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 19 05:10:23 PDT 2018

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

The post Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch? appeared first on Payroll Tips, Training, and News.

do I need to give interviewers a great reason for why I’m looking to leave my current job?

by Ask a Manager @ Ask a Manager

Thu Mar 15 10:59:58 PDT 2018

A reader writes: I’m looking to leave my current position. I’ve been lucky enough to receive positive responses on informational interviews I’ve gone on and applications I’ve sent out so far, but I’m curious about how important it is to have a great “reason” to want to leave for something else. I enjoy the industry […]

4 Simple Steps to Set Up an LLC in NYC—Including 1 to Save You Hundreds of Dollars

by Billie Anne Grigg @ Fundera Ledger

Wed Mar 21 11:11:20 PDT 2018

Maybe you’ve been working on a side hustle in Brooklyn for a while and a client has asked you to […]

The post 4 Simple Steps to Set Up an LLC in NYC—Including 1 to Save You Hundreds of Dollars appeared first on Fundera Ledger.

EMV Explained in 2 Minutes

by Square @ Business Resource Center | Town Square

Wed Sep 10 17:00:00 PDT 2014

EMV, chip cards, smart cards—it can all sound a bit complicated. We made a fun, simple video to explain why the U.S. is shifting to chip cards and how Square can help. Watch and share with friends and fellow business owners.

Alternatives to Square

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post Alternatives to Square appeared first on Lendvo.

open thread – March 16-17, 2018

by Ask a Manager @ Ask a Manager

Fri Mar 16 08:00:12 PDT 2018

Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount

by Rachel Gray @ Payroll Tips, Training, and News

Wed Feb 28 05:10:52 PST 2018

It’s easy to make mistakes, especially when you have a million and one things on your plate. One error you could make is deducting the wrong amount from employee wages. Correcting employment taxes is necessary if you withhold too much or too little from your employees’ paychecks. This article provides an overview of employment taxes […]

The post Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount appeared first on Payroll Tips, Training, and News.

Paychex Announces Same Day ACH Functionality

Paychex Newsroom

With Same Day ACH, employers now have the flexibility to pay employees via direct deposit on the same day they initiate payroll.

The History of the Dollar Bill

by Square @ Business Resource Center | Town Square

Sat Dec 02 16:00:00 PST 2000

One of the most intriguing and recognizable aspects of the United States of America is its currency. The dollar bill especially holds keys to the country's story. With its unique look and esoteric symbolism, the dollar bill could even be considered a legitimate work of art. The origin and subsequent modifications of the first dollar bill offer an interesting look into the history of a burgeoning sovereign nation. A simple examination of early currency, including dollar bills and silver certificates, can help history buffs and inquisitive consumers understand the social, political, and financial trajectory of a nation intent on supporting itself.

The First Dollar Bill

The path toward adopting the dollar bill was one that was littered with obstacles. While the government was keen to incorporate paper money into its currency system, the public was skeptical and didn't initially trust that paper could be just as valuable as traditional silver and gold. Eventually, paper currency became successful, at least in part due to war efforts. As the government saw an increased need to finance the Civil War, they began issuing paper notes, which could be instantly traded for coins when requested. The existence of these notes and their introduction into society is what paved the way toward the modern currency system we enjoy today, including notes that are worth different different denominations. Salmon P. Chase graced the front of the first dollar bill, which was issued in 1862. As the treasury secretary under President Abraham Lincoln, he was a fitting choice to usher in this new and modern type of paper currency.

Designs and Symbols on the Dollar Bill

The first dollar bill's design was notable for its distinct look. Its large size, portrait of Chase, and prominent designs gave it an appearance that mirrored modern bank checks. While current dollar bills have a treasury seal printed with green ink, the original seal was printed in red. Thirty-four spikes around the seal were intended to symbolize the 34 states of the Union at the time. Phrases were incorporated into paper money in both English and Latin. As the nation grew older, more modifications to the dollar bill's design were made, including the later adoption of the "In God We Trust" motto.

Changes in the Dollar Bill

The year of 1869 ushered in a new era of the dollar bill, as it was redesigned and incorporated one of its most recognizable features: a portrait of George Washington. In order to compensate for rising manufacturing costs, the government decided in 1929 to reduce the size of the dollar bill by approximately 30 percent. In 1990, the government began to invest in security features, including polyester threads and microprinting, on paper currency in an attempt to curb counterfeiting. Interestingly, the general look of the note is dictated by law.

Silver Certificates

As a tactic to try and convince Americans to use paper money instead of coins, silver certificates were issued in 1878. Silver certificates were intended to replace the use of silver coins in everyday transactions and came in varying denominations from $1 to $1,000. As the primary type of currency used in American society at that time, silver certificates became popular and well-known even among circles of skeptical individuals who preferred using traditional hard and weighty coins due to their convenience and the inherent value of the precious metal they contained. Though initial pressings of silver certificates were worth at least $10, the first dollar version of the silver certificate was introduced in 1886 and featured Martha Washington, the wife of George Washington, on its face. Until 1968, silver certificates could be redeemed for their value in silver with the U.S. Treasury. Fluctuations in silver prices in the mid-20th century resulted in Congress discontinuing silver certificates as well as the use of silver in coinage.

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How to Get (Very) Last-Minute Shoppers Through the Door
Tips for Planning a Buzzy Holiday Party at Your Small Business
What Goes Down at the ‘Olympics of the Coffee World’
Why You Should Ditch Paper Receipts for Good

Car insurance in Utah

by Andy Frakes @ finder US

Tue Mar 27 10:39:26 PDT 2018

Compare the cheapest car insurance in Utah. Learn about the state's auto insurance laws and steps you should take after an accident.

QuickBooks is an accounting platform

by Sultan4 @ Lendvo

Sun Nov 26 04:52:50 PST 2017

The post QuickBooks is an accounting platform appeared first on Lendvo.

what to say when your boss is rude to a coworker in front of you

by Ask a Manager @ Ask a Manager

Wed Mar 21 07:59:25 PDT 2018

A reader writes: What can/should I do when my boss is rude to another coworker? We’re a small, very early-stage start-up with no HR person. The coworker and I are both young, female, and new. My boss often puts her down (“God, you’re inattentive” or “if you can’t even do this task you should be […]

I slept through an entire day of work

by Ask a Manager @ Ask a Manager

Tue Mar 20 10:59:20 PDT 2018

A reader writes: I started a new senior position in a new city about two months ago and I was killing it. It was just such a great fit of the job matching my abilities- I moved several integral projects forward and took some business trips in my first few weeks. Everyone was saying it felt […]

How to Build and Maintain Good Credit with Credit Cards

by Square @ Business Resource Center | Town Square

Fri Dec 01 16:00:00 PST 2000

Credit is a snapshot of how consumers manage their finances. With good credit, a consumer has the ability to get things such as a car or a home. These purchases typically require a loan to pay for them, and good credit ensures that a lender will decide that a consumer is a good credit risk. Poor credit means that consumers won't qualify for loans or the loans may have higher interest rates. It's preferable to build and maintain good credit to ensure purchasing power.

Establishing Credit

Credit history includes information about one's repayment history, the length of this history, the amount of debt, the types of credit used, new credit applications, and any defaults.
Establishing a positive credit history has many benefits. Having credit available to use can be invaluable in emergencies, and it is often safer to use credit cards for purchases because it eliminates the need to carry cash.
Having a good credit history will enable consumers to make large purchases such as cars and houses. These personal business solutions generally require financing over time.
Establishing good credit takes time. Maintaining a checking and savings account with a bank is one step toward establishing positive credit history. Getting a credit card is usually the next step in building good credit.
An older adult may need to establish credit after a divorce or a spouse's death. Applying for a department store credit card or an oil company credit card may be a suitable place to start.
When working to establish credit, open one credit card account and concentrate on making regular, small charges and paying them off in full each month.
Credit offers that sound too good to be true likely are. Avoid advertisements for credit that promise unusual financial offers. Often, hidden terms exist in these offers that will negatively impact the consumer.

Maintaining Good Credit

Consumers have the right to know what information is contained in their credit reports. Upon request, credit bureaus must release all information contained in a report.
Consumers can request a free copy of a credit report once every 12 months. It's possible to request this copy online.
After gaining some credit, consumers must manage it correctly. Make payments on time and strive to pay off balances in full each month.
Credit bureaus use a standard formula for devising credit scores. Payment history makes up 35 percent of the score, and the amount owed to debtors makes up 30 percent of the score.
Using credit can be expensive. When a consumer carries a balance on a credit card, this money owed accrues interest and finance charges.
After opening credit card accounts, consumers should strive to keep balances at less than 30 percent of the total credit limit for best results.
Monitor credit reports regularly to maintain good credit. Mistakes on credit reports can have a negative impact on one's credit score.

Credit Management Tips

Sometimes during the process of establishing or rebuilding credit, consumers have problems. Lenders cannot discriminate against consumers for reasons such as race, gender, or marital status. Credit decisions must be based on creditworthiness only.
Paying minimum balances only can damage credit scores over time. This practice will also result in expensive interest charges.
Recent credit activity is a factor in credit scores. Consumers should only apply for credit cards needed to lessen any negative impact on their credit score.
Always review terms for credit cards before applying for credit. Credit card processing fees often vary significantly for different lenders. Compare interest rates, annual fees, credit limits, and rewards to choose the most advantageous card.
Using credit costs money in interest. When faced with a choice of making a large purchase over time with credit or waiting and saving up the money, keep in mind that the purchase will cost more when using credit.
Protect good credit after attaining it. Carry only the credit cards needed at any specific time to avoid losing them or having them stolen.
Credit card debt is considered negative debt. Loans for education or homes are more positive forms of debt because these types of debt are investments in the future.

Ways to Raise Your Credit Score

Consumers who find errors on their credit report can have them corrected. The credit bureaus and the source of the erroneous information both have responsibilities to correct inaccurate information. Inform the appropriate credit bureau and the company involved to correct errors.
Credit repair scams are prevalent. It's possible to raise credit scores without paying a company to assist with this process.
Pay down debt as quickly as possible to increase credit scores. Merely moving debt around between various credit card accounts will not improve a credit score.
Avoid applying for numerous credit cards in a short period of time. This type of activity can indicate financial trouble to lenders.
Take out a small loan with a cosigner. Making timely payments and paying off the loan in full will help raise a credit score.
Seek the help of a reputable, nonprofit credit counselor before you become delinquent on accounts. A counseling service can help you restructure your debts to resolve and prevent issues.

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Direct Deposit snafu

by anthony7445 @ Spiceworks Community

Mon Apr 04 10:41:39 PDT 2016

i've had Wells Fargo for for nearly 20 years. most of that time i've had direct deposit. have never had a direct deposit snafu. not once.

Reddit ends bitcoin membership payments

by Peter Terlato @ finder US

Tue Mar 27 13:26:06 PDT 2018

The social media platform’s administrators plan to analyze demand before re-enabling crypto payments.

Loans for Business Owners, According to Your Needs (and How to Pick)

by Meredith Turits @ Fundera Ledger

Fri Mar 23 06:25:42 PDT 2018

Nearly every small business owner understands the need for funding. No matter what stage your business is in, understanding your […]

The post Loans for Business Owners, According to Your Needs (and How to Pick) appeared first on Fundera Ledger.

How to Calculate a Raise

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 14 05:10:09 PDT 2018

Employees have money on their minds. According to a Gallup poll, 59% of employees were not completely satisfied with their current pay. And, one SHRM survey found that 44% of respondents said they would leave their job to make more money elsewhere. To avoid losing their top employees, many businesses offer pay raises. Learn why employee […]

The post How to Calculate a Raise appeared first on Payroll Tips, Training, and News.

our employee is taking nude photos in our office and posting them to Facebook

by Ask a Manager @ Ask a Manager

Wed Mar 14 07:59:09 PDT 2018

A reader writes: I am the office manager of a small (two additional employees, two doctors, and one therapist) health practice. One employee, who I will call Jane, has worked there for over 10 years and handles billing, front desk, and bookkeeping. Jane is recently divorced and seems to be going through a mid-life crisis […]

This Week’s Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Sep 04 17:00:00 PDT 2014

Happy Labor Day Weekend, and welcome to our weekly series of must-read small business articles. Every Friday, we’ll be doing just what it sounds like—sharing the articles we think will be the most interesting to Square sellers. (Also, just some fun stuff). Here’s what we’ve got this week:

This guy is launching 12 startups in 12 months. Gives a new meaning to the adage, if at first you don’t succeed … try 11 more times?

He could probably use some sound business advice from the entrepreneurs who shared their secrets for winning on “Shark Tank.” Pro tip: Start with having a plan before you walk in the room.

Speaking of startups, a flight was diverted this week after a fight broke out due to Knee Defender, a new product that prevents passengers from reclining their seats. Viral marketing at its best (or worst, if you were on that flight).

Lots of news this week for small businesses looking to grow online: The Small Business Sense blog has five tips for using Pinterest to market your business. If you want to compete with the Amazons and Walmarts of the world, we recommend this guide to e-commerce for brick-and-mortar retailers or these strategies to help small sellers level the playing field.

Trying to figure out what makes your customers tick? Here are three secrets for making people happy every time.

We posted about this earlier in the week, but this story about a coffee shop in North Dakota that charges based on the honor system is rad. Not only have they not gone bankrupt, they’re making about 15 percent more in profit than expected.

First it put up shutters so we couldn’t casually window shop. Now Abercrombie and Fitch is phasing out its logo to try to boost sales. Next thing you know it won’t be suffocating us with the smell of teenage angst, either.

Finally: a story on firms that are in the awkward position of having to fire a family member. Terminating an employee is never an easy situation. Just imagine having to eat Thanksgiving dinner with that very same employee.

History of the U.S. Currency

by Square @ Business Resource Center | Town Square

Fri Aug 31 17:00:00 PDT 2001

Currency became widespread in America during the colonial period. The colonists found that they needed a paper currency to help them manage the bustling trade economy that was going on in the New World. Through the course of history, economies have rested on the currencies that support them. Even in today’s global economy, simple issues like credit card processing require a strong currency to support consumers’ spending habits.

Colonial and Continental Currency

Colonial currency dates back to the late 1600s, when people in the Massachusetts Bay Colony created paper currency to simplify their active trade economy. Other colonies followed this lead, and soon many colonies were using paper money to fund transactions. This currency was to be backed by silver or gold. However, colonists soon found that they could not redeem the currency for these precious metals when they tried, so currency values quickly fell. In 1775, the Continental Congress issued the continental as the new country’s first paper currency. The purpose of this currency was to pay for expenses associated with the Revolutionary War. Unfortunately, the value of this currency was questionable because it rested on anticipated future tax revenues, which the country hoped to collect after winning the war. The combination of a lack of backing and increasing inflation took its toll on continentals. This currency lost its value, and colonists lost their faith in currency. Two successive privately owned banks served essentially as central banks for the new country between 1791 and 1836. After Andrew Jackson opted to discontinue the second bank’s charter, the United States entered into a free banking era for the next quarter-century

Demand Notes

With the Civil War looming, the United States needed a way to fund the war. To generate money, Congress authorized new demand notes. These demand notes were the first paper currency issued by the United States government since the demise of the continentals. Demand notes ended in 1862, replaced by legal tender notes, or United States notes. All currency issued since then in the United States continues to be valid and redeemable for face value.

National Banking System

In 1863, Congress passed legislation that established the national banking system. This legislation also established a uniform national currency for the United States. The new law required the national bank to purchase United States government securities, which served as backing for national bank notes. As a part of the new national banking system, Congress established the U.S. Department of the Treasury to manage and oversee the bank notes. In 1869, the Bureau of Engraving and Printing was given the responsibility of engraving and printing faces and seals on the banknotes.

The Federal Reserve

The Federal Reserve Act established the Federal Reserve system as America’s central bank in 1913. President Woodrow Wilson was in office at this time. Federal Reserve notes went into circulation in 1914, taking the place of the now-defunct national bank notes. By 1918, denominations of these new notes spanned from $1 to $10,000. National banks had the authority to issue national currency, which was secured by the purchase of U.S. bonds.

Redesigned Notes

The year 1929 was an important year in the history of U.S. currency. The federal government instituted redesigns that involved making the notes smaller and standardizing designs for each bill denomination. The purpose of these changes was to reduce expenses. In 1957, the words “In God We Trust” first appeared on currency, thanks to a law passed amid Cold War fears. By 1969, the larger denominations, $500 and up, were discontinued.

Newer technology made counterfeiting more difficult thanks to features such as microprinting and a security thread running through bills. Another currency redesign occurred in 1996: New background colors added extra security against counterfeiting. Watermarks on the bills also appear when they are held up to a light. The absence of watermarks would indicate a counterfeit bill. In 2013, the $100 bill received an additional redesign to enhance security. A security ribbon now crosses the bill to the right of Benjamin Franklin’s picture.

History of the BEP and U.S. Currency

The office largely in charge of printing money, the Bureau of Engraving and Printing (or BEP) of the U.S. Department of the Treasury, delves into its history.
A Brief History of U.S. Government Currency, 1861-Present: Part 1

Here, you can view some beautiful, vintage notes from 1861 and onward.
History of United States Currency
This is a brief and helpful summary of the overall history of U.S. currency.
Which Denominations of Currency Does the Federal Reserve Issue?
Did you know that the Federal Reserve still prints $2 notes? The proof is here! However, $500, $1,000, $5,000, and $10,000 notes are no longer in print.
The Comparative Value of Money Between Britain and the Colonies
Find out more about the delicate politics and economics between British and American currencies.
The Civil War (1861-65)
This time in American history was very difficult in terms of money creation.
The Cash Life Cycle

Have you ever wondered what happens to bills when they are old and overused?
A Short History of Currency

Find more about the money system from the time of the Civil War to now.
The 1955 Legislation Placing “In God We Trust” on National Currency
Many people have the misconception that the motto “In God We Trust” has always been on currency. In fact, it was added in 1955.
Catching Counterfeiters

Money has evolved and changed over the years often to deter the efforts of skilled counterfeiters.
Celebrating American Currency and its History
This article delves into the nature of modern currency systems and how they came to be.
Historical Timeline
Money changed a great deal during the Great Depression and the following years. Franklin D. Roosevelt and his administration took great pains to get a grip on inflation and interest rates. Gold became devalued.
The United States Secret Service
The Secret Service, now famous for protecting presidents in public settings, began as a group to prevent counterfeiting which was rampant during the 1800s.
The History of Money

The history of our currency falls into a much larger worldwide history of money. Before the colonists arrived, Native peoples used intricately designed wampum to exchange goods.
Coins, Currency, and Medals

Here, you can view a vast collection of very interesting coins, paper bills, and unique currencies.
Colonial U.S. Currency

See some of the earliest paper bills used in the colonies.
Central Banking in the United States
Central banking in the U.S. was developed early in the new country’s history, and met with controversy.
A Quick History of Paper Money
The history of paper currency, especially in English colonies, is interesting and fraught with politics

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Beginners Guide to Coin History
History of Money and Payments
The History of the Dollar Bill
The History of the Trade and Barter System
The US Financial System and Alexander Hamilton

“Float” earnings lift Paychex’s bottom line

Rochester Business Journal

It is not an asset. It is not a liability. It is just $480 million or so in cash floating through Paychex Inc. each year. Although the money is relatively free to Paychex, and it is “float,&#…

Direct Deposit snafu

by DustinB3403 @ Spiceworks Community

Mon Apr 04 12:35:21 PDT 2016

Yeah, everywhere I have been employed at has used ADP, and working in IT, the only issues I've had seen with "them" wasn't in their control.

Dead time clock, no internet or some other issue out of their control. ADP has been wonderful IMO.

I’m being mentored against my will by a dude who’s my peer

by Ask a Manager @ Ask a Manager

Mon Mar 26 07:59:09 PDT 2018

A reader writes: I’ve been in my chosen career for about 10 years now. About three years into my career, I struck up a collegial friendship with someone who worked for a competitor. He’s maybe five years older than I am, but we were at a similar point in our careers. Fast forward to the […]

QuickBooks 2012 Coming By September 26th

by Chief Mechanic @ QBGarage.com

Wed Sep 14 14:42:38 PDT 2011

Intuit has announced that QuickBooks 2012 and Enterprise Solutions 12.0 will ship on September 26, 2011. That’s about 1 week later than last year, but it still gives users plenty of time to get the new version up and running before the end of year. We’ve already downloaded the software and have begun to prepare […]

The post QuickBooks 2012 Coming By September 26th appeared first on QBGarage.com.

Direct Deposit snafu

by Jeff Jones @ Spiceworks Community

Mon Apr 04 12:39:31 PDT 2016

"WelcometoWELLSFARGO!" they yell now anytime you walk in. Makes me feel.... right at corporate home.

Youth soccer org that I'm treasurer for uses Wells Fargo. Always having issues with them: say they'll include check images with statements; they never do; you order a replacement book of checks/deposit slips, and the branch manager looks at your book and orders something completely wrong; you need to remove an old board member name from the account and are told the deceased person needs a representative to come in and do it....

I overheard my boss complaining about me

by Ask a Manager @ Ask a Manager

Mon Mar 26 09:30:32 PDT 2018

A reader writes: The higher-ups in our company regularly have private meetings, which are usually very hush-hush behind closed doors. During a recent meeting of theirs, the door was left open and we (the rest of the team) could hear bits and pieces of their conversation-not purposely, of course, and not that it was worth […]

Business Resources for E-Commerce Entrepreneurs

by Square @ Business Resource Center | Town Square

Sun Dec 03 16:00:00 PST 2000

E-commerce is a strong trend across many different industries. The prevalence and availability of the Internet makes retail websites a popular way for companies to sell both products and services. While e-commerce appeals to many people thanks to the ease and low expenses often associated with start-up, it is still important for new business owners to possess basic business skills. Operating an e-commerce business successfully still demands all of the marketing, planning, and management skills that other types of business require.

Starting an E-Commerce Business

Electronic commerce includes any type of transaction that businesses and consumers conduct via the Internet, including credit card processing. With the expanding popularity of online retail sales, many entrepreneurs are exploring e-commerce business opportunities. Just as any brick-and-mortar business needs a plan, an e-commerce business also needs a plan for selling products, services, or information. A feasibility checklist is an excellent way for an entrepreneur to analyze their business solutions and ideas to determine whether their concept makes smart business sense. Many countries are devising e-commerce strategies to help entrepreneurs plan and executive successful business ventures. International guidelines are in place, which provide a voluntary code of conduct for businesses engaging in electronic commerce. Building an inventory and working with manufacturers are just two areas in which an entrepreneur will need to excell when managing an e-commerce business. A number of benefits attract entrepreneurs to e-commerce business. Low start-up costs and overhead expenses are major reasons that many people dabble in this business opportunity, especially since it’s possible to run this type of business without creating a physical storefront to serve customers.</p>

Developing a Strong Business Plan

One of the first tasks of an entrepreneur when organizing a new business is choosing the type of business structure to utilize for the new company. A strong business plan is a vital part of any type of business, including an e-commerce business. Think of a business plan as both a road map and a sales tool for an e-commerce company. With a business plan in place, the company has a clear outline of every goal along with ideas for making the goals happen. The business plan should also include an overview of all resources available for meeting goals. To be functional, the business plan must be in-depth and realistic. A plan based on only the most promising economic conditions would not be applicable or helpful during times of economic downturn. Optimally, a business plan should encompass at least three years' worth of comprehensive information about all activities that should occur to reach goals. An e-commerce business owner should contemplate several key questions when devising a business plan. For example, it's imperative to know who the target customers are, their demographic characteristics, and where they live and shop.

Guides for Business Financial Plans

A financial plan includes comprehensive planning of funding, expenses, and projected profits. Optimally, the financial plan should include an income statement, balance sheet, cash flow statement, and budget. Most businesses, including e-commerce businesses, need financial resources to get off the ground. If more funding is needed than is available, the entrepreneur will need to make a plan and create documentation that will encourage investment. A financial plan includes relevant market research and projections for income and profits. The plan should also show an outline of how recordkeeping will occur for the company, including the person who will keep these records, internal controls for accuracy, and checks and balances for ensuring transparency in finances. A financial plan should outline all needs for funding as well as when the additional capital will be needed. Any repayment terms for financing also belong in the financial plan. Entrepreneurs should avoid the common mistake of underfunding a start-up business. A careful and realistic look at all expenses and expected revenue should provide an accurate financial plan.

Tutorials for Business Marketing Strategies

Plentiful marketing advice exists for e-commerce businesses, and many different aspects deserve the owner's attention. One thing to note is that companies with an active social media presence often appeal to consumers because people like to interact with the business in real time on the Internet. Marketing ideas to promote a product or service should continually evolve to stay fresh. Businesses should engage in brainstorming sessions or use social media to poll potential customers. Providing high-quality content on a website related to products or services can be an effective way to attract customers as well. Some e-commerce businesses market their companies with a blog, which can be an informal way to write about topics related to the business. Branding is another important concern for e-commerce businesses. A part of this brand will be a professional website that shows off a tasteful and current design. Adding press releases to a company website helps promote new business activities. Identifying and watching trends is an integral part of market research. Often, competition is fierce among e-commerce businesses, so focusing on trends that fit into unique company strengths will be a plus for any start-up business. In the process of building a global e-commerce business, business owners also must strive to protect their intellectual property with copyrights and trademarks, as applicable.

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The History of the Trade and Barter System

by Square @ Business Resource Center | Town Square

Thu Nov 16 16:00:00 PST 2000

Items that are used as money often have little value in and of themselves. For example, the paper used to print money is not particularly valuable. Money has value because it is an exchange medium that people understand and accept as such. When everyone accepts that a bill or a coin has value, people can use it as a form of payment to purchase goods or services. Before money existed, people used other systems to perform exchanges. Bartering involves a direct trade for goods and services. Although some aspects of this transaction are similar to the exchange of money, bartering required time as people hammered out the terms of the deal. Utilizing money as the medium for trade simplified transactions significantly. Trade and barter were precursors to the monetary system used in today's society. Although trade and barter may seem almost archaic, they were the business solutions for people who lived before the convenience of credit card processing.

Bartering is the process of trading services or goods between two parties without using money in the transaction. When people barter, everyone benefits because they receive items or services they need or want. Bartering also has an advantage because even people without money can get something they need. Bartering might involve trading a service for an item. For example, you could agree to perform yard work for someone in exchange for a bushel of apples from a tree in their yard. When people choose to barter to meet a need, they can save their money for other needs.

Native American Trade Routes and the Barter Economy – This lesson plan is great for teaching kids at the middle school level about both the history of Native American tribes and the nature of the barter system, blending concepts into one plan.
History of Finance – In the early days of the American colonies, foreign banks controlled the currency, and bartering was commonplace.
American Indians of ND: Bartering – Practice a game of bartering with your students, and you'll quickly see the difficulties in negotiation that can sometimes ensue.
Trading Post – For much younger students (in grade 4), this lesson plan combines show-and-tell with bartering.
What Is Money? – Young students (grades 3-5) will delve into what money is, why currency developed, and how bartering worked.
Bartering Lesson – Teachers can use this printable packet, which is full of useful terms and phrases.
Barter and Money – This plan is for much older students (grade 10), and delves more into the nuances of bartering and trade.
Barter Relationships – Can you create an equation and mathematically validate a trade? This article delves into that question.

Mesopotamia tribes were likely the starting point of the bartering system back in 6000 BC. Phoenicians saw the process, and they adopted it in their society. These ancient people utilized the bartering system to get the food, weapons, and spices they needed. Because of salt's great value, Roman soldiers bartered their services for the empire in exchange for salt. In Colonial America, the colonists used bartering to get the goods and services they needed. Even after the invention of money, people continued to barter.

Bartering Through the Seasons – This lesson plan for grades K-5 discusses specifically bartering fabrics and coats during winter seasons.
The History of Money – Most of early monetary exchanges were still a part of bartering systems. Some of the most early accepted currencies were simply valued items: cowrie shells, gold nuggets, and fine metal pieces.
The Transition of Barter to Fiat Money – The vast transition from bartering goods that had value to exchanging papers backed by what the state or government said had value was a long and arduous one.
The Benefits of Bartering – Bartering still exists today. In the 1990s, it was happening in Russia.
The History of Money – The development of money is discussed in this lesson plan for grade 1.
How Bartering Works – This source discusses the pros and cons of bartering, and how it still remains useful today.

The simplicity of bartering is one of the main advantages of this system. Issues with international trade, foreign exchange, and unbalanced economic power are virtually nonexistent with a bartering system. However, some disadvantages also exist. For a bartering transaction to occur, both parties' wants or needs must coincide to lead them to make a deal. Without a standard measure of value of goods and services, parties in the bartering transaction will need to spend time agreeing on the terms of the deal. It's common for both parties to place a higher value on their own goods or services and a lower value on the other party's items. Trust is also a component of bartering, because the representation of the goods or services offered must be accurate. If something is misrepresented in a transaction, the other party will have little recourse when a problem ensues. When bartering, people may need to store their accumulated possessions to preserve their purchasing power. Depending on the types of items, this might be difficult and inconvenient.

Money vs. Barter Systems – Allow your students to have a wider discussion about whether money or bartering systems are superior to one another.
Bartering, Trading, and You – This is a complete educational resource for teaching about money.
Impediments to Barter Trading – A recent, in-depth study delves into the perceptions of those who practice bartering.
Bartering Overview – Today, these systems can be used by small businesses and people as a legal transaction, but negotiations may be lengthy.
Monetary Transaction Tools – Find helpful terms, activities, and good resources for teaching your students here.
Money Matters: Discussion Guide – There are many ways you can go about teaching these concepts, and this resource lists them helpfully.
Why We Trade: Exchanging Goods and Services – Trade jelly beans or swap shirts and caps to explain the exchange of goods with your students.

Because bartering does not involve the exchange of money for goods and services, it might seem like an ideal way to avoid paying taxes on transactions. However, the U.S. Internal Revenue Service informs taxpayers that the fair market value of goods or services received via bartering is considered taxable income. Parties who engage in bartering transactions must report this value as income on tax returns. The IRS requires reporting of bartering for the year it occurs. Failure to report bartering activity could lead to tax penalties.

Four Things You Should Know if You Barter – Today, bartering is done, but it has been made more complicated by taxation and financial institutions.
Three Ways to Get the Equipment You Need Without Going Broke – Small businesses sometimes need to barter with other companies to succeed.
Barter Tax and Accounting Issues – If someone does want to barter, be sure to have an accountant who can deal with these issues.
Money Soup: A Legal Guide to Bartering, Giving, and Getting Stuff Without Dollars – Using the helpful metaphor of soup, this article discusses types of transactions and their nuanced differences.
It Taxes a Village: The Problem With Routinely Taxing Barter Transactions – Should we actually tax barter transactions, which often requires the monetary appraisal of items?
Should You Be Bartering? - An expert and economist discusses the main problems with doing this today.
Four Facts About Bartering – Learn about these four facts if you would like to engage in bartering in today's economy.

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Shawn Haines promoted to Assistant Vice President/Credit Manager

by Merchants Bank @ Merchants Bank Blog

Mon Mar 26 11:07:00 PDT 2018

Shawn Haines has been promoted to Assistant Vice President/Credit Manager at Merchants Bank Equipment Finance (MBEF), according to Corey Hothan, Vice President of Operations at MBEF. “Shawn has demonstrated a positive attitude, excellent customer service skills and continues to be a valuable contributor to the MBEF team and our success,” Hothan said. Haines has […]

Payments 101: How to Get Set Up and Manage Payments [WEBINAR]

by Square @ Business Resource Center | Town Square

Tue Mar 21 17:00:00 PDT 2017

There’s a lot to think about when you start a business — naming, choosing a location (or if you’re online, building a site), determining a business structure, obtaining licenses, registering for taxes. And there’s even more to think about once you’re running it — inventory, payroll, marketing, etc.

But the most important thing to get in order when you run a business is payments. After all, even if you started a business to fulfill a passion, you still want to get paid.

So put this at the top of your list: You need to determine what kind of payments you are going to accept, how you accept those payments, and how you manage those payments.

If it sounds like a lot, don’t worry, we have you covered.

Dave Talach, Square’s head of payment products, recently joined Mark Vega, program manager at BusinessBlocks, for a discussion that covers everything you need to know about payments, including how to get started with a payment system that will grow with your business.

Obama's Plan to Fight Credit Card Fraud

by Square @ Business Resource Center | Town Square

Thu Oct 16 17:00:00 PDT 2014

We’ve been talking a lot recently about EMV — a more secure payment technology that’s coming soon to the U.S. EMV or chip cards (already the standard around the world) are embedded with a tiny microchip, which is way harder for fraudsters to clone than the magnetic-stripe cards we currently carry. (Here’s an in-depth look at why they’re safer.)

This morning at the Consumer Financial Protection Bureau, President Obama signed an executive order that requires all government-issued credit cards and readers to come equipped with EMV technology starting next year. And in response to recent high-profile security breaches, large retailers like Home Depot, Walgreens, Target, and Walmart are moving fast as well, pledging to adopt EMV by early next year.

We’ve got independent, local businesses covered with the same protections. In the coming months, we’ll offer affordable Square Stands and Readers that can process EMV cards. You can sign up here to be notified when they’re ready.

And for a primer on how exactly EMV technology works, watch our video.

Here's How to Get Paid Faster

by Square @ Business Resource Center | Town Square

Sun Jun 15 17:00:00 PDT 2014

Just over a week ago we introduced Square Invoices, and we’re pleased to report that our sellers have already processed over $1M via invoicing. Even better, in that time we’ve learned a few tips to help sellers get paid faster…

For quicker payments, send invoices to clients on Thursdays. We’ve found that invoices sent on Thursdays have the highest likelihood of being paid within two days by customers.
Customize the due date of each invoice. With Square Invoices, sellers can add a message for the recipient to request that the customer issue payment upon receipt. This can lead to speedier payment returns.
Avoid invoicing clients on Sundays. People are least likely to pay an invoice they’ve received on Sunday — it’s the laziest day of the week, after all.

Hiring for Growing Businesses [Webinar]

by Square @ Business Resource Center | Town Square

Mon Mar 20 17:00:00 PDT 2017

One of the most important decisions you can make as a business owner is who you hire to support your business’s growth. After all, the person you bring on as a server at your restaurant or as an office manager for your law firm can have a big impact on how your business runs.

Whether this is your first employee or your 30th, a lot needs to happen before you extend an offer to that perfect hire.

You need to consider the expected (what the role entails, what salary and benefits cost, etc.) and the unexpected (the time it takes to train and manage a new hire, the cost of new technology to support things like payroll, etc.)

To help you through that process, Square’s talent acquisition lead, Andrew Trout, teamed up with ZipRecruiter’s senior director of inside sales, Jason Blais, for a webinar about hiring. During the webinar they discuss:

How to know it’s the right time to hire
How to determine what a new employee actually costs
How to optimize your recruitment process to get the right candidates

9 No-Fail Tips for Giving Constructive Criticism at Work

by Meredith Wood @ Fundera Ledger

Fri Mar 23 07:28:42 PDT 2018

Though criticism is an inevitable part of any workplace, most people find it difficult to give negative feedback to direct […]

The post 9 No-Fail Tips for Giving Constructive Criticism at Work appeared first on Fundera Ledger.

Tax Cuts and Jobs Act and Payroll

by Steve Scheu @ Time and Pay

Tue Dec 26 11:10:32 PST 2017

Tax Cuts and Jobs Act – What Does It Mean for Your Payroll? On Dec 22, 2017, President Trump signed into law the Tax Cuts and Jobs Act that will, as determined by the Tax Policy Center, cut income taxes for 143 million Americans. The law goes into effect January 1, 2018. This new tax law will obviously effect […]

The post Tax Cuts and Jobs Act and Payroll appeared first on Time and Pay.

Kabbage Loans vs Ondeck Loan

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post Kabbage Loans vs Ondeck Loan appeared first on Lendvo.

This Week’s Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Aug 28 17:00:00 PDT 2014

Trade shows are a stellar way to reach new customers, but to ace them, you’ll need to plan. Entrepreneur shares the top seven ways to get the most out of exhibiting.

The New York Times rounds up the “best small towns in America.” (Shout out to Square sellers in Santa Fe).

On the social media front, here are five small businesses setting the standard of excellence.

Taco Bell just opened their first premium, “fast-casual” offshoot in Huntington Beach, using Square Stand as their register.

The coffee wars rage on. And Starbucks and McDonald’s are turning up the heat.

Could one of these businesses be responsible for the next cronut?

Feel-good profile of the week: This hairdresser spends his weekends giving “ego-boosting transformations” to the homeless.

And finally, we would be remiss not to mention that there’s now a VENDING MACHINE FOR PIZZA.

Direct Deposit snafu

by Phillip186 @ Spiceworks Community

Mon Apr 04 11:42:26 PDT 2016

The only times we have had that issue at our bank is when the company paying the payroll either put the wrong process date in the file or sent it in after cut off... When this happens if they dont have a lot of employees we send out wires, if they do have a lot they send a new file to run that night...

Former FCC chief to speak at RIT graduation

by Diana Louise Carter @ Rochester Business Journal

Tue Mar 27 12:04:05 PDT 2018

The chairman of the Federal Communications Commission during the Obama administration, Tom Wheeler, will be the keynote speaker at Rochester Institute of Technology’s commencement exercises in May. Wheeler will speak at the university’s academic convocation, scheduled for 10 a.m. May 11 at the Gordon Field House. The convocation is the first event in the two-day ...

The Benefits of Direct Deposit for Salary Checks | NFIB

NFIB

The majority of employees in the United States are paid with direct deposit because of cost and convenience benefits to both employers and employees.

LitePay folds after Litecoin Foundation refuses to contribute more funds

by Peter Terlato @ finder US

Tue Mar 27 10:18:48 PDT 2018

Litecoin approached LitePay regarding transparency issues. Soon after, the payments company shut down.

A Look at Federal, State, and Local Minimum Wages

by Mike Kappel @ Payroll Tips, Training, and News

Wed Mar 21 05:30:00 PDT 2018

You can’t just pay your employees any amount you want. You must follow federal, state, and local laws that set minimum wages. What is minimum wage? Minimum wage is the lowest amount you can pay an employee per hour of work. You can pay more than the minimum wage, but you should never pay less […]

The post A Look at Federal, State, and Local Minimum Wages appeared first on Payroll Tips, Training, and News.

What Is the QuickBooks File Doctor?

by Chief Mechanic @ QBGarage.com

Fri Dec 07 09:12:46 PST 2012

The QuickBooks File Doctor is a tool from Intuit that is designed to diagnose and fix common problems with QuickBooks data files and your Windows and network configuration, including: Data corruption Windows setup problems Network setup problems The tool has its limits. It only works with: .qbw and .qba files QuickBooks company files (.qbw) smaller […]

The post What Is the QuickBooks File Doctor? appeared first on QBGarage.com.

someone I’ve known for years lied to get me to hire someone terrible she wanted to get rid of

by Ask a Manager @ Ask a Manager

Wed Mar 21 10:59:55 PDT 2018

A reader writes: “Arya” and I were classmates in college. We were in the same year and did the same major. We’ve known each other for 16 years and have worked together twice; one time she was my manager and the other time I was hers. We often attend the same work-related conferences and exchange […]

Paychex Flex Review: Worth the Premium Price

Inc.com

Paychex Flex HR, a full HR solution including recruitment, applicant tracking, benefits administration and of course plugs into payroll and time tracking.

Shannon Spahr Promoted to Vice President/Controller

by Merchants Bank @ Merchants Bank Blog

Thu Mar 15 07:24:45 PDT 2018

Shannon Spahr has been promoted to Vice President/Controller at Merchants Bank, according to Sue Savat, Chief Financial Officer. “Shannon is an extremely hard worker and strives to meet the needs of all our market locations,” Savat said. “Her dedication and knowledge deserve to be recognized.” Spahr has been with Merchants since 2010. She has held […]

Hot Indian: A Food Truck That Doubles as a 'Mobile Innovation Lab'

by Square @ Business Resource Center | Town Square

Sun May 11 17:00:00 PDT 2014

When Amol Dixit set out to bring contemporary Indian food to the masses of Minneapolis, he knew accepting credit cards would be critical to make sales and keep the line moving. He chose Square for its reliability and the “wow moment” with customers.

Square quickly became more than a way for Amol to get paid. With so many food trucks in the Twin Cities, Amol treats the Hot Indian truck as a mobile innovation lab—and Square’s free sales reports help him make informed decisions on when and how to change up his menu.

Watch his story:

Learn more on how to open a restaurant and the key ingredients to restaurant performance.

Car insurance in South Dakota

by Andy Frakes @ finder US

Tue Mar 27 10:19:54 PDT 2018

Find and compare the cheapest car insurance options in South Dakota. Learn about the state's auto insurance laws and steps you should take after an accident.

Paychex | IHS Markit Small Business Employment Watch: Small Business Job Growth and Wages Moderate in February

by Lisa Fleming @ Paychex Newsroom

Tue Mar 06 05:34:55 PST 2018

After an uptick to start the year, the Paychex | IHS Markit Small Business Employment Watch saw small declines in jobs and wage growth in February.

The post Paychex | IHS Markit Small Business Employment Watch: Small Business Job Growth and Wages Moderate in February appeared first on Paychex Newsroom.

Beginners Guide to Coin History

by Square @ Business Resource Center | Town Square

Tue Nov 14 16:00:00 PST 2000

Before paper bills, credit card processing, complex taxation, and electronic money, there was the beautiful, simple, artistically crafted coin. Its history aligns uniquely with the evolution of civilization. Today, its use is widespread in most major regions and countries of the world. While the way that they're made has evolved, the basic concept of exchanging bits of metal for goods has lasted through the ages and become an essential part of the human experience.

Early Coins

The first move away from the barter system may have been the exchange of cowrie shells, which eventually evolved into metal nuggets and pieces. Metal money exchanges started in the form of small knives and tools in China. In the 5th century BC, Chinese hollow spade money was commonly used. While not using "coins" per se, these were some of the first exchanges of valuable, standardized metal materials. This eventually evolved into the recognizable, rounded Chinese coins. In the west, the first official, minted currency was possibly the famous Lydia coin, which was created in modern Turkey and featured an image of a lion. It was made of gold. These were pounded out with a hammer and were create for King Croesus. In the greater history of money, this was a very important next step to opening up the Mediterranean to trade and an exchange of goods and ideas. In the next centuries, coins began to be exchanged and accepted on a global scale.

Types of Coins

While paper money started to become the dominant currency in China as early as the 13th century at the behest of Emperor Kublai Khan, coins were absolutely essential to several empires, which all had their own mints. In the Persian Empire, the coin of choice was the daric. In Greece, the ancient currency was the drachma, which is still used in its modern form today. In Rome, on the other hand, the currency was based around the silver denarius. During and after the fall of Rome, in the Byzantine Empire, the major coin was the golden solidus, which was also known as the nomisma. In China, the coin design stayed by and large the same, in the form of a circle with a square hole, which was called the ban liang coin. In the Renaissance, the florin was quite common, and the pound was used in England.

How Coins Are Made

Throughout history, coins have traditionally been struck using blanks and a set of dies. Many types of dies have been used throughout history. The Romans made popular a hinged set of dies that joined together like tongs. The dies were made out of a harder metal than the softer coin materials, which were often made from alloys of gold, silver, copper, or bronze. The blanks were cut to consistent, uniform thickness. Then, the material was placed inside the die and struck with a large hammer or a set of machinery that involved pulleys. Eventually, the fly press made this method much faster and easier. Modern American coin production is a little bit different. It closely resembles a manufacturing process. Large sculptures are made for the dies in clay and plaster, then created as epoxy models, which, using digital machinery, are used to create the metal dies. Rather than being formed by cutting ropes of metal, coins are punched out of long metal sheets. Production then moves at a lightning pace (with the press stamping about 1,750 coins per minute). In other countries, like the U.K., the coin-making process is treated with a high level of respect and combines hard science and art to create consistent, flawless pieces. While we may no longer feature the gods and goddesses that so often frequented ancient coins on our money, the basic methods of coin minting have mostly stayed the same.

Collecting Coins

Coin collecting has become a popular hobby in the U.S. and many other areas of the world, possibly because coins have been made for thousands of years and seem timeless. Modern coin collectors especially love lesser-known, rare coins, which are specific to a time and place in history. Collectors are often fascinated not only by the age nor necessarily how much a coin is worth but by the beauty of the dies and the uniqueness of every piece. Some collectors treasure the imperfect, ancient coins that were just barely folded out of lumps of flawed alloy, whereas others want the rare U.S. pieces that were examples of exquisite craftsmanship but just never became popular. If you're thinking about getting started collecting coins and joining numismatic groups, always keep in mind the story of each piece. Successful coin collecting should inherently be about education and understanding both how these coins were made and their place in the history of civilization.

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History of Money and Payments
History of the U.S. Currency
Square Reader to Be Featured in the Smithsonian’s â€œValue of Moneyâ€ Exhibit
The History of the Dollar Bill
The History of the Trade and Barter System

What Are the Changes To QuickBooks Attached Documents For 2012?

by Chief Mechanic @ QBGarage.com

Wed Sep 21 09:01:45 PDT 2011

Coinciding with the release of QuickBooks 2012, Intuit is making a variety of changes to QuickBooks Attached Documents, a cloud-based document storage system that has been available as an extra-cost add-on for users of QuickBooks 2010 and QuickBooks 2011. For QuickBooks 2010, Intuit’s document storage feature was called QuickBooks Document Management, and the changes impact […]

The post What Are the Changes To QuickBooks Attached Documents For 2012? appeared first on QBGarage.com.

What Does Pay Frequency Mean?

by Michele Bossart @ Payroll Tips, Training, and News

Wed Feb 21 05:10:38 PST 2018

When you have employees, you need to run payroll so they can receive their wages. Before paying employees, you need to decide on a pay frequency. Your industry, the number of employees you have working for you, the type of workers you have, and legal requirements determine your pay frequency. But first, what does pay […]

The post What Does Pay Frequency Mean? appeared first on Payroll Tips, Training, and News.

Time & Pay Sponsors Johnson City Jazz Festival

by Steve Scheu @ Time and Pay

Wed Jan 31 14:04:36 PST 2018

Time & Pay is pleased to announce the primary sponsorship of the 2018 2nd annual Johnson City Jazz Festival. The Jazz Festival will take place March 15, 16 and 17 at the Carnegie Hotel in Johnson City. “We are proud to work with the Jazz Festival again this year,” noted Steve Scheu, CEO of Time […]

The post Time & Pay Sponsors Johnson City Jazz Festival appeared first on Time and Pay.

Anyone familiar with ADP (payroll)? UPDATE Post #6

The DIS Disney Discussion Forums - DISboards.com

DH is self employed. Hes the only person on his company payroll. Recently, he turned over the day to day management of his payroll function to ADP....

Rihanna unveils Fenty Beauty body glitter

by Amanda Swan @ finder US

Tue Mar 27 10:57:12 PDT 2018

All that glitters may not be gold, but everything Rihanna touches seems to turn to it.

Direct Deposit snafu

by Rockn @ Spiceworks Community

Mon Apr 04 11:20:58 PDT 2016

The reason why we do all payroll in-house. No 3rd party payroll processors.

New Payment Technology News Roundup: August 2015 Edition

by Square @ Business Resource Center | Town Square

Sun Aug 30 17:00:00 PDT 2015

From EMV and NFC to the liability shift, there’s a lot going on right now in the world of payments. But we’re here to make sure that you’re prepared. We’re doing that by (1) offering affordable, secure solutions so that you can accept any new form of payment, and (2) making sure you’re in the know about how all of the new changes will affect your business.
We’ve been keeping you up to speed in the New Payment Technologies section of this blog. And now we’re publishing a monthly roundup of what we think are the best recent articles on the subject. So without further ado, here are a few to dig into:

Come October, Your Credit Card Machine Needs to be EMV Compliant (Huffington Post)
How Your Credit Card Is About to Change Forever (Time)
Four In Five Apple Watch Users Use Apple Pay (NFC World)
EMV Is Just a Stepping Stone to Broader Technology (Payments Source)
EMV Payment Cards: What SMBs Need to Know About the New Technology and Liabilities (Business 2 Community)
The New Chip-Equipped Credit Cards: Safer, and (For Now) More Confusing (Fast Company)
New Payment Methods for 2016
Payment Methods : 7 Easy Ways to Get Paid Online
Apple Pay Gets 98% Satisfaction Rate for In-Store Purchases (NFC World)

To stay in the loop on everything EMV and NFC, as well as get tips on how to run your business, subscribe to our monthly newsletter, Town Square News.

Paychex Named One of the World’s Most Ethical Companies® by the Ethisphere Institute for the 10th Time

by Becky Cania @ Paychex Newsroom

Mon Feb 19 08:32:08 PST 2018

For the 10th year in a row, Paychex has been recognized by the Ethisphere Institute as one of the 2018 World’s Most Ethical Companies.

The post Paychex Named One of the World’s Most Ethical Companies® by the Ethisphere Institute for the 10th Time appeared first on Paychex Newsroom.

Revel Review

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post Revel Review appeared first on Lendvo.

The 52 Best Payroll Services for Small Business Owners

Fundera Ledger

Do you hire, manage, and pay employees? If so, you probably know how tough payroll can be... And how much you could use a great payroll service. Check the best out here.

Top 8 Online Bookkeeping Classes for Small Business Owners

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Jan 19 01:00:13 PST 2018

When you run a business, there is no way around bookkeeping. A larger firm may employ an entire team of bookkeepers and accountants, while a smaller company might only have one. In other cases, the business owner may be the one handling the books. As a small business owner, if you think you have the […]

The Best Business Checking Account for Your LLC: How to Find and Choose One

by Meredith Wood @ Fundera Ledger

Mon Mar 26 09:04:56 PDT 2018

We all have a favorite personal bank—perhaps the one you grew up using or wherever you had your first bank […]

The post The Best Business Checking Account for Your LLC: How to Find and Choose One appeared first on Fundera Ledger.

“New Economy” Makes Child Support More Difficult to Collect

by Steve Scheu @ Time and Pay

Tue Dec 05 10:59:05 PST 2017

The “new economy”, in which the use of contract labor to meet work load requirements is increasing every day, is making it more difficult to collect court ordered child support. When employers hire a new employee, Federal and State new hire reporting requirements help ensure that an individual who may be under a court ordered […]

The post “New Economy” Makes Child Support More Difficult to Collect appeared first on Time and Pay.

my office is moving … to my boss’s house

by Ask a Manager @ Ask a Manager

Thu Mar 22 09:30:55 PDT 2018

A reader writes: I work for a small company with two full-time employees, two part-time, and a weekly bookkeeper. My boss is wealthy, mercurial, and often out of the office or traveling. Recently, he announced that he has decided to move our office from our (already small) space into his duplex apartment, which is supposed […]

Why Loyalty and Punch Card Programs Are a No-Brainer

by Square @ Business Resource Center | Town Square

Thu May 04 17:00:00 PDT 2017

Basic psychology: People are more likely to frequent businesses where they can get some free stuff. The data backs this up. A recent study by 3Cinteractive found that 62 percent of U.S. shoppers make more store visits or purchases as a direct result of interaction with mobile loyalty programs.

So what’s the holdup for small businesses?

Well, traditional carry-in-your-wallet punch cards are a pain to manage and track. For one, you print out all those cards only to have your customers lose or forget about them. And secondly, it’s pretty impossible to evaluate whether or not your program is actually helping to bolster your bottom line. So with all of these inefficiencies, the payoff isn’t exactly there.

But digital loyalty programs get rid of all these pain points. Square Loyalty, a completely customizable punch card program, is baked right into your Dashboard and your customers’ digital receipts.

The tool automatically tracks and rewards your customers for repeat purchases and visits. What’s more, you can tailor the program by selecting how often you want to reward customers (number of punches), what customers get as a reward (by percentage or dollar amount off), and how much they need to spend in order to get a punch.

But if you’re still on the fence about whether a loyalty program makes sense for your business, here are a few things to consider:

Get Started with Square Loyalty

Keep customers coming back.

Try it free for 30 days

It’ll get you more sales.

Returning customers are much more valuable than repeat customers. They tend to spend a lot more than first-timers when they come back in. So targeting them is worth the investment — and a loyalty program is one of the most direct ways to do that.

It’s low cost.

The only investment you have to make here is that free tenth cup of coffee. Which is not a lot when you think about those nine other coffees that you might not have sold if it weren’t for your loyalty program. What’s more, customers are likely to spend a bit more each time they come in. As Square seller Swamp Rabbit Cafe and Grocery in South Carolina reports, “Some customers are actively trying to earn punches by spending the minimum amount per punch ($5) to get the five-percent-off reward. They’re both spending more and coming back more often.”

It’s quick to set up.

The beauty of Square Loyalty is that it takes just minutes out of your day. You can “set it and forget it” right within the Customers tab of your Dashboard. Simply customize the punches and rewards to fit your business, and Square takes care of the rest, automatically tracking everything for you. And after each purchase, your customers automatically see how many more punches they need — it’s right there in their Square digital receipt.

It gives you valuable insights.

Square Loyalty helps you track the program’s impact on your bottom line and spot trends in your customers’ behavior. You can track the number of customers enrolled, the total punches, and the total redemptions. This is all super-valuable data to help you make informed decisions about where to allocate more time and effort.

It separates you from the pack.

This one is pretty simple. Say there are three specialty coffee shops on your block. Where are people more likely to head? The one that offers them a free cup for their repeat business.

It builds your customer lists.

Loyalty programs can offer an incentive for your customers to provide their email address when they sign up for your Loyalty program. This helps build up your customer lists, which you can then target with marketing email — alerting them to things like sales, events, or announcements (which you can do right from Square Marketing).

It helps with customer relationships.

You establish deeper relationships with your customers if they come in more often. And your customers are more likely to come in a lot — and talk up your business to their friends — if you make them feel appreciated with a loyalty program.

In short, a digital loyalty program like Square Loyalty is worth the very little time, effort, and money needed to get it up and running.

Learn more about how Square Loyalty can help you grow your business.

Paychex Wins Stevie® Award for Customer Service

by Tracy Volkmann @ Paychex Newsroom

Tue Mar 20 08:00:17 PDT 2018

For the second consecutive year, the American Business Awards (ABA) has honored Paychex with a bronze medal for Customer Service Department of the Year.

The post Paychex Wins Stevie® Award for Customer Service appeared first on Paychex Newsroom.

Real Businesses, Real Stories: Check Out Our New Ad Spots

by Square @ Business Resource Center | Town Square

Thu Sep 24 17:00:00 PDT 2015

Square sellers contact us through email, Twitter, and Facebook on an almost-daily basis to thank us for helping them improve their businesses. As part of our new TV campaign — now airing nationwide — we met three of these sellers in person to hear their stories and share them with the world.

If you’re from New York, Boston, or Los Angeles, you may spot some familiar local faces. Tod Wilson, owner of Mr. Tod’s Pie Factory in New Jersey, took us behind the scenes at his bakery (the sweet potato pie is a must-try — trust us). Jim Brock of Boston Home Inspectors let us follow him around his home inspection rounds (don’t worry, we didn’t walk under any ladders). And Woody Lovell of L.A.’s The Barbershop Club showed us the art of a perfect shave.

We’ll be featuring interviews with Tod, James, Woody, and others over the coming weeks on this blog, centered on what they’ve learned as they’ve built these thriving businesses. And we’d also love to hear from you. Tell us how Square has helped your journey on Twitter with hashtag #SquareStories and we could feature your story.

Here’s the spot with Mr. Tod’s Pie Factory. To watch all of the commercials, head to squareup.com/stories.

Introducing Tools to Manage All Your Locations

by Square @ Business Resource Center | Town Square

Tue Jul 14 17:00:00 PDT 2015

Opening one store is no small feat. But opening 40? Now you’re in the big leagues. Our mission at Square is to empower you every step of the way as an entrepreneur and help you grow into your ambitions — whether you’re just revving up or already on the road to becoming a full-blown franchise. And today, we’re excited to announce a new, powerful tool for larger businesses — Employee Management.

Employee Management offers a robust set of features that’s on par with what the biggest businesses have in their arsenal — at a fraction of the price. With Employee Management, you can easily oversee multiple locations from within one account, manage your employees, and view and act on detailed information about every part of your business, all in one place.

Here’s what it’s got:

Supercharged sales reports

Now you can filter your sales reports by employee, device, or location. So you can see which employees are ringing in the most, or which location did particularly well that day. You can download CSV files for simple reports or get an end-of-day report.

Open a new location in just a few clicks

Setting up a new location can be a ton of work. But Employee Management makes it much easier. Now you can import your item libraries from other locations, so you can start selling in your new store immediately. It’s also easy to customize item libraries by location — say, if you offer coffee and sandwiches at one of your shops, and only coffee at another.

Customized permission levels

Everyone has their “A team.” With customized permission levels, you can give your stellar employees access to more stuff. Assigning different roles to different employees is a snap to do — it’s all right in your Dashboard. You can assign people to be a Cashier (where they just have restricted access at the register), an Accountant (where they can view sales reports, transactions, and timecards), or an Administrator (where they can manage all aspects of your business). This is a handy feature if you’d like to take a (probably much needed) vacation.

Employee passcodes

You should never have to worry about the safety and security of your business. Employee passcodes keep things locked down. What’s more, you can keep track of who processed each transaction, all from your Dashboard. So it’s easy to keep tabs on what’s going on at each of your locations.

Built-in timecards

Keeping track of your employees’ hours is tedious. The timecards feature puts this on autopilot. Your employees can clock in or out right from the register. And you can monitor those hours (and make adjustments if they’re needed) remotely. So you don’t need to physically be at each of your locations to know who’s been working and when.

Track employee sales

You want to keep your best employees around. But how do you spot your superstars if you’re busy managing 10 locations? Now you can see revenue-per-labor-hour reports to help you find and reward your most efficient employees. You can also view which employees closed which cash drawers, which is generally good intel to have on hand.

Automatic tip reconciliation

Tips are awesome — but they can be a pain to sort out, especially when you’re tired at the end of the day. With Employee Management, you can say goodbye to math problems and speed up your closing time. Because you can see who logged in and out and when, you can easily allocate tips to employees who worked those shifts.

Mobile registers

Having a long line is a good problem to have. To make sure that queue moves quickly, you can outfit your staff with mobile registers. This is particularly helpful if you’re at an event or hosting a pop-up. A quicker line means more sales.

Employee Management is just $5 a month per employee. Get started with a 30-day trial.

Meet Arlene Schwerzler, Mortgage Lender and Home Loan Expert

by Merchants Bank @ Merchants Bank Blog

Mon Mar 26 05:02:19 PDT 2018

Get to know Arlene Schwerzler, Mortgage Lender at Merchants Bank in Red Wing. When did you start your banking career? Arlene: I started banking a very long time ago. Thirty-two years. I’ve been a teller, personal loan assistant, personal banker, branch manager and mortgage lender. I started at Merchants 20 years ago, where I’ve been […]

Matt Hurlbutt: Attracting new businesses to the region

by kplessinger @ Rochester Business Journal

Thu Mar 15 07:46:16 PDT 2018

Matt Hurlbutt is president and CEO of Greater Rochester Enterprise, the organization tasked with attracting new businesses to the region. In this interview, Hurlbutt explains how he goes about courting companies looking to relocate or establish a new facility.

Lisa Franxman Named Market President for Merchants Bank in Rosemount

by Merchants Bank @ Merchants Bank Blog

Sat Mar 17 08:38:36 PDT 2018

Respected, relationship-focused area banker Lisa Franxman has joined the team at Merchants Bank as Market President in Rosemount, according to Twin Cities’ Regional President Lawrence Stovern. “Lisa is well known in the Rosemount and Farmington area as an exceptional banker and someone who is committed to making the area a better place to live,” Stovern […]

Direct Deposit snafu

by GrayRabbit @ Spiceworks Community

Mon Apr 04 15:40:42 PDT 2016

@Laura Viars: Thank you -- that's what I needed to hear. We're being told that "ALL" Wells Fargo business customers had this issue, which smelled like a wet fart to me since I'm not seeing people complaining about it online. I would have expected to see some noise about it on Google/Twitbook/etc. if there was a true widespread problem.

I interviewed Gretchen Rubin about happiness and work

by Ask a Manager @ Ask a Manager

Wed Mar 21 09:30:44 PDT 2018

On this week’s episode of the Ask a Manager podcast, I talked with happiness expert Gretchen Rubin about happiness and work. Gretchen is a leading expert on the connections between habits, happiness, and human nature, and is author of multiple bestselling books, including The Happiness Project and, most recently, The Four Tendencies. We talked about […]

coworker is too aggressive about enforcing rules, colleague selling free stuff from work, and more

by Ask a Manager @ Ask a Manager

Sun Mar 18 21:03:17 PDT 2018

It’s five answers to five questions. Here we go… 1. My coworker is too aggressive about keeping our lab clean My colleague, who is my peer, recently got a responsibility he treats very seriously. That responsibility is focused around improvement of tidyness of the laboratory with a focus of reducing the risk of contamination. These […]

my ex won’t leave our company after our break-up, I cried in front of my boss, and more

by Ask a Manager @ Ask a Manager

Tue Mar 13 21:03:06 PDT 2018

It’s five answers to five questions. Here we go… 1. I got my partner a job at my company, we broke up, and she won’t leave My partner of eight years and I just split up. We are not legally married. We are both female. Recently, I helped her get a job at my longtime […]

Buying an Existing Business: What to Know Before Taking the Plunge

by Priyanka Prakash @ Fundera Ledger

Tue Mar 27 09:53:31 PDT 2018

Yes, it’s a huge decision—but when you pull the trigger on buying an existing business, you get the opportunity to […]

The post Buying an Existing Business: What to Know Before Taking the Plunge appeared first on Fundera Ledger.

I’m supposed to hide that I was a stay-at-home mom, rude receptionist, and more

by Ask a Manager @ Ask a Manager

Thu Mar 22 21:03:33 PDT 2018

It’s five answers to five questions. Here we go… 1. I was told to hide that I used to be a stay-at-home mom I had a very strange review yesterday, where my boss shared some feedback that she received from another leader in our organization. Basically I was told that I should stop telling people […]

Time & Pay Implements New Withholding Tax Rates

by Steve Scheu @ Time and Pay

Fri Jan 19 11:11:34 PST 2018

Time & Pay Implements 2018 Payroll Withholding Tax Rates? On Dec 22, 2017, President Trump signed into law the Tax Cuts and Jobs Act that will, as determined by the Tax Policy Center, cut income taxes for 143 million Americans. The law went into effect January 1, 2018. On Jan 11, 2018 the IRS released the new tax tables […]

The post Time & Pay Implements New Withholding Tax Rates appeared first on Time and Pay.

Amazon is now offering luxury beauty samples

by Amanda Swan @ finder US

Tue Mar 27 07:00:35 PDT 2018

Prime members have yet another perk to look forward to with luxury beauty samples now available from brands like Elizabeth Arden and Pureology.

What does a bookkeeper do? The ins and outs.

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Jan 12 02:30:22 PST 2018

Bookkeepers play a crucial role in the financial affairs of any business and their activities vary based on the size of an organization. As a business owner, perhaps you require assistance with your books and are wondering whether you need a bookkeeper. Before you decide, you may want to know what does a bookkeeper do? […]

Paychex payroll processing review March 2018 | finder.com

finder US

For US small business owners, paying your employees and contractors can be complicated. Paychex can help you manage this and other services.

Direct Deposit snafu

by Laura Viars @ Spiceworks Community

Mon Apr 04 14:21:31 PDT 2016

Our office uses Wells Fargo for payroll and our direct deposits went in just fine on the 31st :)

Direct Deposit snafu

by DustinB3403 @ Spiceworks Community

Mon Apr 04 10:46:20 PDT 2016

Direct Deposit Snafu, sounds like your employer didn't pay their payroll taxes, or the account simply didn't have enough money.

Car insurance in South Carolina

by Andy Frakes @ finder US

Tue Mar 27 09:53:41 PDT 2018

Compare the cheapest car insurance in South Carolina. Learn about the state's auto insurance laws and steps you should take after an accident.

ADP vs Paychex vs Gusto: Who’s The Best Payroll Provider for 2018?

Fit Small Business

In this comparison of ADP vs. Paychex vs. Gusto, we show how the top payroll companies for small businesses rack up in terms of price, features and support.

I’m afraid to show any weakness at work

by Ask a Manager @ Ask a Manager

Tue Mar 27 09:30:36 PDT 2018

A reader writes: I’m a director at my company, responsible for four staff members and my own department. I have been in this director role for about 16 months, and prior to this I was an assistant director responsible for two people … but I had someone above me who shaped the department and basically […]

This Week’s Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Aug 07 17:00:00 PDT 2014

Friday: We made it. Sit back, put your feet up, and take a minute out of your day to catch up on our must-read news and small business stories. We’ll be here at the end of each week with a roundup of things you may have missed. Here are some articles we found to finish out July.

We never expected to take career lessons from Weird Al Yankovic. Turns out he’s a pretty savvy businessman.

Would you hire these famous people based on their former job applications? Lessons learned from Leonardo da Vinci and Madonna.

On that note, Madonna’s handwritten resume may not have been the only thing that didn’t get her a second-round interview. Here are 10 other ways to blow a first impression.

Our morning routine involves coffee, coffee, and more coffee. How do you get going each day? Here are some tips for starting your day off on the right foot. One thing you might add to your morning routine is doodling during that 9 a.m. staff meeting. New research shows that doodling can help you stay focused, grasp new concepts, and retain information.

Finally, there’s been a lot of chatter this week around planning for retirement. Both the Wall Street Journal and The New York Times report on why you should start thinking about your 401(k) sooner rather than later. There are lots of services out there making it easier for small businesses to get a jump on saving for the future.

Direct Deposit snafu

by GrayRabbit @ Spiceworks Community

Mon Apr 04 10:39:11 PDT 2016

Does anyone elses' company use Wells-Fargo for payroll?

Mine does and it seems like we have an inordinate amount of problems compared to other places I've worked. Invariably a few times a year, the direct deposits won't go through and they'll scramble to issue paper checks.

It happened again last week. Supposed to get paid on the 31st (which often means it'll show up on the 30th). Nothing. April 1st they're scrambling to send out paper checks to everyone. So I get mine, cash it, as does everyone else.

Sometime in the wee hours of April 2nd, I get the notification e-mail that my direct deposit is to clear by the 4th. Sure enough, it did. Unfortunately for everyone, the office wants the checks returned to them. A little late for that! To top it off, many of the checks issued bounced. Mine didn't fortunately, but others at my location...

This topic first appeared in the Spiceworks Community

12 video games nominated for Strong’s Hall of Fame

by Velvet Spicer @ Rochester Business Journal

Tue Mar 27 09:57:11 PDT 2018

From a first-person shooter game set in a war-torn country to a game featuring a yellow marble-shaped gal trying to outwit ghosts while chomping pellets and fruit, a dozen finalists have been chosen for the 2018 induction into the Strong National Museum of Play’s World Video Game Hall of Fame. The finalists are: Asteroids, Call ...

Direct Deposit snafu

by joebob @ Spiceworks Community

Mon Apr 04 10:43:16 PDT 2016

We use a local bank. They have about 10 total locations, but all are within like 80 miles of their central office, located in our town. Never had an issue.

is “secretary” a demeaning title?

by Ask a Manager @ Ask a Manager

Tue Mar 13 07:59:15 PDT 2018

A reader writes: I work in the tree care industry at a company where the hierarchy is the owner and manager (“Will”), his assistant on the field providing estimates, then me, the owner’s secretary, then the tree workers (who have their own hierarchy). I work in the office by myself taking calls from clients for […]

should I work for a tiny organization?

by Ask a Manager @ Ask a Manager

Tue Mar 13 10:59:19 PDT 2018

A reader writes: My husband works in the public school system (not a teacher) and is considering a job offer with a one-person nonprofit. He and the CEO will be the only employees aside from volunteers. He’d be working virtually and he hasn’t negotiated the offer yet, but I thought I’d ask you and your […]

coworker calls me his “work wife,” error in my offer letter, and more

by Ask a Manager @ Ask a Manager

Wed Mar 21 21:03:05 PDT 2018

It’s five answers to five questions. Here we go… 1. My coworker calls me his “work wife” A couple of months ago, I joined a new team at work, in a role that is somewhat isolated from the rest of the group. So I was glad when another junior staff member who had joined the […]

Direct Deposit snafu

by GrayRabbit @ Spiceworks Community

Mon Apr 04 12:18:51 PDT 2016

It's funny ADP gets mentioned -- my cousins work for Paychex. ;) but at my previous jobs, they used ADP. 14 years, only one glitch.

Get Covered for the Liability Shift—Instantly

by Square @ Business Resource Center | Town Square

Wed Sep 16 17:00:00 PDT 2015

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As a business owner, you’ve probably been hearing some chatter about the liability shift. And that chatter has probably been picking up. That’s because the shift happens on October 1 — two weeks from now.

If you don’t have a handle on the liability shift and what it means for your business, it’s time to listen up. Come October 1, your business could be on the hook for fraudulent chip card transactions if you don’t process the payment using the EMV technology. Previously, the banks accepted this liability, but in fewer than 15 days, it could be passed on to you. Be ready because chip cards are quickly being rolled out to all U.S. consumers.

Accept Apple Pay and chip cards everywhere.

Order the Square contactless and chip reader.

Order your reader now

The liability shift is all in the name of reducing fraud, which is obviously a good thing. For both buyers and sellers, chip cards are a much more secure form of payment than magnetic-stripe cards. But understandably, big changes like this can be anxiety-provoking. Especially changes that involve the word “liability” as it relates to fraud.

But rest easy. It’s easy to get EMV-compliant with the Square contactless and chip reader. It retails for just $49 (other solutions can cost hundreds of dollars) and plugs right into the device you already have.

And here’s what else is cool: Not only does our new reader accept chip cards, it also accepts contactless payments like Apple Pay, which are just as secure, and a lot more convenient.

Aside from bringing you the latest and greatest in secure payment technologies, we’re also here to keep you knowledgeable. Just head to the New Payment Technologies section of this blog to get the lowdown on all things EMV and NFC (contactless payments), or sign up for our monthly newsletter, Town Square News. We want the switch to chip cards to be as painless as possible for businesses of all sizes, so you can get back to selling.

*Published on September 17, 2015

Consult This Employee Termination Checklist to Keep Things Running Smoothly

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 07 05:10:00 PST 2018

Employees leave companies every day to pursue growth opportunities, accommodate personal lives, or experience change. As an employer, you hope employees won’t leave your business, but you know this is wishful thinking. When an employee resigns, you need to know what to do. The average annual overall turnover rate is 19%, according to SHRM. If […]

The post Consult This Employee Termination Checklist to Keep Things Running Smoothly appeared first on Payroll Tips, Training, and News.

Harnessing the Power of Customer Feedback and Reviews [Webinar with Yelp]

by Square @ Business Resource Center | Town Square

Mon Jul 31 17:00:00 PDT 2017

Customer retention is very important for your business’s bottom line and its long-term growth. You’ve probably heard that it costs at least five times as much to acquire a new customer as it does to retain a current one. But did you know that a five-percent increase in customer retention can boost profits up to 95 percent? (That’s according to a study by Bain & Company.)

There are a lot of ways that you can bolster retention — social media, email marketing, a blog, a loyalty program — but feedback is one of the key ways to make sure your customers keep coming back. Whether it’s through online reviews or email, feedback lets your customers feel heard and gives you insight into how to improve your products, services, and customer experience. It’s a win-win.

Get Started with Square Loyalty

Keep customers coming back.

Try it free for 30 days

We partnered with Yelp to dig into how businesses can use feedback to create loyal customers — focusing specifically on public online reviews and private customer feedback. In our webinar (video above), we cover:

Why feedback matters
How to respond to feedback
How to get more feedback
How to use feedback to grow your business

Want to learn more about customer retention? Here are some other articles to check out:

The Easiest Ways to Get More Repeat Customers
Building Customer Loyalty — Best Practices That Drive Results
How to Turn Loyal Customers into Brand Evangelists

Are Employees Free to Discuss Their Wages?

by Steve Scheu @ Time and Pay

Sat Mar 24 15:15:40 PDT 2018

Employers are often concerned about employee discussions regarding their wages and benefits. While they may not like such discussions, employers should take note that they may not prohibit, or even hint at consequences, if employees discuss their compensation amongst each other. Employers may not in any way discipline or react in a negative way towards […]

The post Are Employees Free to Discuss Their Wages? appeared first on Time and Pay.

When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season)

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Fri Jan 05 12:51:54 PST 2018

The first day to file your 2017 taxes is January 29, 2018. The IRS reports that 9 out of 10 taxpayers who filed electronically in 2017 received their tax refunds within 21 days. Some taxpayers receive their refund in as little as 8 days, and most receive it within 10-14 days. The IRS no longer ... Read More about When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season)

The post When Will I Get My Tax Refund? 2017 Tax Year Refund Schedule (2018 Tax Season) appeared first on Cash Money Life | Personal Finance, Investing, & Career.

my old boss still assigns me work, coworker doesn’t wash her hands when leaving the bathroom, and more

by Ask a Manager @ Ask a Manager

Thu Mar 15 21:03:29 PDT 2018

It’s four answers to four questions. Here we go… 1. My old boss is still assigning me work Recently I came back from FMLA leave to discover that my boss had been (willingly??) demoted and quickly replaced with an outside hire. It turns out I rather like the new boss. I am the lead assistant […]

Clean Up Accounting Books: Where to Get Started

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Dec 29 01:15:10 PST 2017

To maintain records regularly and efficiently, every business needs to have a proper accounting system in place. However, most business owners are typically not trained in accounting, and small businesses do not generally keep dedicated full-time bookkeepers. As a result, costly mistakes may ensue, which can leave accounting records a mess – i.e., generated reports […]

How You Helped Us Build Square Capital

by Square @ Business Resource Center | Town Square

Thu Jun 05 17:00:00 PDT 2014

Accepting credit cards is a crucial part of running a business—but it is only one part. Buying new equipment, expanding to a new space, and hiring more employees pose exciting and often expensive challenges. That’s why today we announced Square Capital, a program designed to make it quick and easy for independent businesses to get capital they need to grow.

In building the program, we spoke with hundreds of businesses about the challenges they’ve faced getting and investing new capital.

Here’s what we heard and how it helped us build the program we launched today:

You think in terms of dollars, not interest.

When it comes to getting capital, the important questions are: how much money will I get, how much will it actually cost, and will it help me grow? For example, Follicle Hair Salon is a popular salon in San Francisco who were looking for ways to help their business grow. They assessed their salon costs and used Square Capital to move into a larger space and add 12 new salon chairs. They knew the total amount of the offer and the exact cost upfront, and since that cost never changed, the math was easy. With each salon chair bringing in between $5,000 to $8,000 a month, the new cash flow ensured the advance quickly paid for itself.

You have big ideas—but need money to get started.

One of our first Square Capital businesses, art and clothing store Zero Friends, was rejected by a loan officer because the company “just puts monster art on t-shirts.” They knew there was demand for their product—they just needed the initial cash to get going. With Square Capital, Zero Friends was able to double the inventory they brought to a recent comic book convention, which let them double their sales. We believe in independent businesses like Zero Friends and their “monster art on t-shirts.”

Your Time = Money.

We heard it over and over: For growing businesses, every hour counts. Caroline Bell, owner of Cafe Grumpy in New York, said they spent more than six months applying for a loan. With Square Capital, there’s no application process and Cafe Grumpy got their money the next business day. They used the money to open a sixth cafe. (If you’re in Grand Central station, you should stop by!) Because payments are automatic, business owners like Caroline can spend time—and money—on more important things, like chatting with customers, training employees, and growing their business.

We’re extending new Square Capital offers every week to sellers already running their business with Square. The first step to becoming eligible for Square Capital is to download Square Point of Sale for either iOS or Android and start running your business with Square today.
We’re excited by the success of some of the earliest uses of Square Capital and can’t wait to see what the future holds as we expand the program.

Learn more about the program—including eligibility—in our Support Center.

Square Capital Now Offers Flexible Loans To Boost Lending
Square Capital 1 Billion In Funding To Over 100K Sellers
Tips For Small Business Financing How To Get Noticed By Square Capital

should being on reality TV disqualify a job candidate?

by Ask a Manager @ Ask a Manager

Mon Mar 12 07:59:25 PDT 2018

A reader writes: I’m currently on a hiring committee for a newly established role in my division. It’s designed for someone with a marketing background, but involves a lot of direct interaction with clients on projects. This person will manage a team within our marketing department, and it’s a relatively senior position. We’ve had our […]

Thank You For Doing What You Do

by Square @ Business Resource Center | Town Square

Fri Nov 28 16:00:00 PST 2014

To all the small-business owners out there: Square thanks you for taking the risk and answering the call to start your own business. We appreciate your desires, trials, and triumphs—everything you do to realize your dreams. You are the reason we go to work every day. This video is a tribute to all the passion, effort, and dedication you put into your craft.

Featured Square Merchants:

Beau Bien Fine Foods
Astor Row Café
Rancourt & Co.
Distillery Lane Ciderworks
Scarlett Garnet Jewelry
SWAT Wildlife
Rustica Bakery
Whisk: a Sustainable Bakeshop
Krewe du Brew Coffee House
The Barber Sharp
Regla De Oro Gallery
Taceaux Loceaux
Sump Coffee
The Peacock Room
Butter Bakery Café
Cartel Coffee Lab
Hot Indian Foods
Just Baked
Salt & Cedar
Maysles Documentary Center
Arbor Care
Cherokee Street Bikes

Full Transcript:

“My expectation of my life was different than what it’s become, I was told, ‘You go to school, and you go to college for four years, you’ll get a job, and there’s always gonna be security. That has not proven to be true.’”

“I couldn’t find a job, and when all else fails, work for yourself. It’s my passion, and love. It’s a lot more liberating than anything else you can do.”

“I went into business after college, and started doing a couple little craft fairs, and then you realize I can maybe do this and support myself.”

“My wife and I said, ‘Well, let’s start a coffee shop.’ We dove in with both feet, and it’s history from there.”

“As entrepreneurs, we’re inherently risk-takers. It’s our job to be out there paving the way.”

“The most challenging part of being a small business owner is everything.”

“‘Can I do this on my own?’”

“With all of the reward that’s yours, all the responsibility is yours.”

“There’s nobody else to blame for your successes or failures and that’s a lot of pressure.”

“It can really get you down and it can be very, very hard at times.”

“So there’s lots of surprises, and lots of little pitfalls along the way:”
“finding your customers and marketing,”
“paperwork,”
“all of your bills,”
“the capital to grow,”
“the retail and distribution channels,”
“getting licenses and permits,”
“just having enough time.”

“But, it’s worth it. I love it. I love what I do every day and I feel really happy that this is what I get to spend my time doing.”

“That passion carries you through everything that’s hard.”

“That really is the entrepreneurial spirit is to be able to take a hit and get back up. And that people are willing to take a risk again, and again, and again.”

“Persistence, patience, and dedication would be what you need if you want to be successful as a small business. It’s just forcing yourself to get up and do it every day ’cause you’d rather do this than anything else.”

“It really means a lot to be able to work towards what you ultimately want in life. And it makes me feel really good about what I do.”

“We do one thing, and I think we do it well. And the best part is connecting with that passion every day.”

“It was a really fun journey, and it’s allowed us to grow a lot, and to grow a company that we believe is making an impact on its community.”

“I just really want people to be happy.”

“If you have an idea, you should do it. You should do it.”

“Stick with it. And never give up.”

“This is so the way to go.”

“And I think, anybody could start a business. Anybody could be successful.”

“I do sit down every now and then and watch. There’s a real sense of joy and pride in thinking, ‘I made this. I made this happen.’”

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Streamline Scheduling with Square Appointments [Video]

by Square @ Business Resource Center | Town Square

Sun Aug 10 17:00:00 PDT 2014

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Endless rounds of phone tag. No-shows. A calendar covered in erase marks. These are the headaches of scheduling appointments. And they’re not small pain points. You can lose sales when people don’t show up, waste time on the phone, and even miss out on new customers who don’t feel like calling to book.

To help service businesses spend less time scheduling and more time with clients, we’re excited to announce Square Appointments. The tool is an easy way for your customers to book their own appointments and reschedule existing ones without your help. And to help reduce no-shows, Square Appointments automatically sends text and email reminders to your customers. You can determine how far in advance you want to send them out.

We worked alongside entrepreneurs—from math tutors to salon owners—to pilot Square Appointments. They saw an immediate positive impact on their businesses. Some stats: Out of 200 business owners surveyed, 144 sellers said the system helped generate additional revenue, 124 sellers saved more than 30 minutes per day, and 108 sellers said that now they get 10 percent more appointments per week.

You can test-drive Square Appointments with a 30-day free trial. After that, it’s $30 a month for individual sellers, $50 if you have two to five employees, and $90 for unlimited staff. Square Appointments is available to businesses of every size, even those not using Square Point of Sale.

Square Appointments is rated one of the most popular, user-friendly, and affordable software products for salons by Capterra. Try Square Appointments and see for yourself.

Introducing The Square Appointments App
An Easy Way To Keep Your Appointment Schedule Running Smoothly
New Free Square Appointments Features Make Online Booking Even Easier
Create A Photography Website for Scheduling

Why La Colombe Chose Square to Help Fuel Its 100+ Location Expansion

by Square @ Business Resource Center | Town Square

Tue Jul 14 17:00:00 PDT 2015

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Todd Carmichael has lived and breathed coffee for 32 years. He’s the founder of La Colombe, a coffee shop with 12 locations across Philadelphia, New York, Chicago, and D.C, and the host of the Travel Channel series Dangerous Grounds. Fueled by Carmichael’s passion to push the U.S. coffee scene forward, La Colombe sits at the forefront of the ethical trade movement and regularly dabbles in new terrain like brewing the first-ever latte on tap. And it’s all paid off. The company is rapidly expanding, with plans to open 100+ locations across the country over the next few years.

But until recently, there was a problem — La Colombe’s old-school point-of-sale system. Slow, clunky, and confusing, the system didn’t move at the speed necessary to support the company’s growth. What’s more, it was big and ugly — a jarring contrast with La Colombe’s sleek design aesthetic, creating what Carmichael calls a “barrier” between his employees and the customer. So they ripped it all out and replaced everything with Square.

La Colombe is now a Square power-user, using Employee Management to streamline operations and manage employees across all its locations. And as La Colombe expands to 100+ locations, Square will be there to support it with our ever-growing suite of sophisticated tools for larger businesses.

As we were helping La Colombe make the switch to Square (we have to admit, it was satisfying to rip everything out), we caught a few minutes with Carmichael. Below is our interview, where we talk coffee, design, and why Carmichael chose Square.

Interview Excerpts:

How did you decide it was time to expand?

I’ve come to the idea that America deserves better coffee. And I believe that we are the people to deliver on that promise. But I can’t deliver on that promise alone — I need partners. I need people who understand. We couldn’t have done that type of expansion without tools like Square. It’s impossible. Without you guys I probably wouldn’t succeed.

Why did you make the switch to Square?

You can’t make beautiful coffee over the Berlin Wall. In so many ways the old-school register was that. I’m going over these huge barriers — and that’s not what it’s about. You and I right now are talking without anything between us. That’s what Square offers to me.

Customer experience seems to be at the top of your priority list

What counts is making transactions quickly. Let’s get that part done and go to the part that counts — the interaction between us. I’m not just seeing the top of your head over a huge register. Architecture and design matters. It tells a story about who we are, which is about interaction with our customers. Square is beautiful, small, and quick.

Why is design so important?

I felt like my old register system were these anchors at the end of chains — and I’m floating on this beautiful ship. You guys have come along and you’ve changed that, you’ve caught up with me.

What does the switch to Square mean for your business?

First off, I know how to actually operate Square. I want mobile people and I want people out front. I’d like you to come into my café and have a great experience. Square makes my cafés a happier experience. It’s a fact.

Learn how to put Employee Management to work for your business. Get started with a 30-day trial.

5 Reasons You Should Upgrade Your POS Before the Holidays Hit
Announcing the Finalists for Square’s First-Ever Business Awards â€” The BRASSYs
Get the Most Out of Square: The Hottest New Features We Launched in October
Square Sellers Just Made $100M in Sales in One Day
States Where You Can Find the Cheapest Cup of Coffee

This Week’s Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Jul 31 17:00:00 PDT 2014

In one of the stranger reputation-management tactics we’ve heard, a New York hotel is now fining people $500 for writing bad Yelp reviews.

Who needs hotels anyway? Here are some tips for running your business from an RV, trailer, or boat.

Copycatting isn’t just lame. Turns out it also takes the same amount of effort as creating your own vision. Inc. looks at the irony of the imitator epidemic.

Here are some content strategy tips for your business: “About” pages are super important. And a great newsletter can be even more effective than building a Facebook community.

If you’ve ever felt guilty about slightly exaggerating parts of your resume, this will make you feel better: 10 of the most ridiculous lies people have told on their resumes.

And finally, some essential weekend intel: The Push for Pizza app lets you order pizza in three taps.

how can I stop resenting my friend who doesn’t have to work?

by Ask a Manager @ Ask a Manager

Tue Mar 27 07:59:05 PDT 2018

A reader writes: I have a good friend, Arya, who has been taking some time off work for a few years now. Basically, she doesn’t need to work to get by like you and I do. Her spouse makes really good money at an international company, and his salary affords them a generous lifestyle of […]

Top 3 Reasons Quickbooks Capital May Decline You

by Sultan4 @ Lendvo

Sun Nov 26 05:03:44 PST 2017

The post Top 3 Reasons Quickbooks Capital May Decline You appeared first on Lendvo.

my coworker keeps cooking for me, colleague tried to steal from a bereavement fund, and more

by Ask a Manager @ Ask a Manager

Sun Mar 25 21:03:20 PDT 2018

It’s five answers to five questions. Here we go… 1. My office gave out thank-you gifts … with strings and deadlines I work for a private firm in a very deadline-driven business. We are extremely busy now and are having a stressful year because we are short on staff. A few days ago the professionals […]

weekend free-for-all – March 17-18, 2018

by Ask a Manager @ Ask a Manager

Fri Mar 16 23:30:12 PDT 2018

This comment section is open for any non-work-related discussion you’d like to have with other readers, by popular demand. (This one is truly no work and no school.) Book recommendation of the week: The Newlyweds, by Nell Freudenberger. A Bangladeshi woman comes to the U.S. to marry an American man, and ends up caught between two […]

Direct Deposit - When does it happen?

Welcome to the Homesteading Today Forum and Community!

Because of some (OK maybe a lot) procrastination we have 3 different accounts in 3 different banks with direct deposits going into them on a monthly...

my boss told me to quit or be fired

by Ask a Manager @ Ask a Manager

Thu Mar 15 09:30:51 PDT 2018

A reader writes: For the last six months, I’ve essentially been on “probation” with my supervisor, determining if this manager role is a good fit for me. His conclusion is that I do not possess the skills necessary for this role. Instead of terminating my employment, they offered me another position – a demotion to […]

4 Signs You Have What It Takes to Be Self-Employed and Leave Traditional Jobs Behind

by Deborah Sweeney @ Fundera Ledger

Tue Mar 20 12:24:48 PDT 2018

Have you noticed more and more people quitting their jobs… and going to work for themselves? It’s not just you! […]

The post 4 Signs You Have What It Takes to Be Self-Employed and Leave Traditional Jobs Behind appeared first on Fundera Ledger.

IRS Issues New W-4

by Steve Scheu @ Time and Pay

Fri Mar 02 07:40:30 PST 2018

IRS Initiates Paycheck Check-Up Week, March 26-April 1 The IRS has issued the new W-4 for 2018 taking into account the new Tax Act which went into effect in January. (The Advi$or notes that what used to be a 2 page document is now 4 pages!) Along with the new W-4, the IRS has also advised […]

The post IRS Issues New W-4 appeared first on Time and Pay.

Payroll: A Tie That Binds

Journal of Accountancy

EXECUTIVE SUMMARY EVERY BUSINESS HAS TO PAY ITS STAFF and its taxes. Many CPAs are addressing those twin needs by offering to help their small-business clients, not just with taxes but also with the many chores that go into payroll processing, from after-the-fact tax filings to benefits administration. IMPROVED TECHNOLOGY

Paychex, Employers to Provide Work Comp to Small Businesses

Insurance Journal

EMPLOYERS has entered into an agreement with Paychex Insurance Agency, Inc. to provide small businesses the opportunity to acquire and pay for workers' compensation insurance when they process payroll through Paychex. The program will be available in 2013 in all 31 states in which EMPLOYERS does business, as well as

listing an unfinished novel as a work accomplishment on your resume

by Ask a Manager @ Ask a Manager

Mon Mar 19 10:59:11 PDT 2018

A reader writes: I’m a copywriter. It’s my first time hiring for a copywriter position. I don’t want to be petty or unfair to applicants, but I don’t want to hear about people’s unfinished novels on their resumes or cover letters. In my opinion, it comes off as either immature, self absorbed, or really uninformed […]

When Does Direct Deposit Go Through? | Patriot Software

Payroll Tips, Training, and News

If you pay some employees via direct deposit, they might ask you when they will receive their wages. When does direct deposit go through?

Patent and Trademark Information for Your Business

by Square @ Business Resource Center | Town Square

Mon Dec 04 16:00:00 PST 2000

Trademarks

The first numbered patent was created in 1836. Since this time, businesses and manufacturers have begun trademarking products and services as a means of setting them apart in the marketplace. Companies can trademark logos to protect and distinguish them from other business symbols. An organization uses a business trademark as it builds a company image. Corporate symbols that are trademarked are protected from unauthorized use by other parties under trademark law. Filing for trademark protection involves submitting a trademark registration through the Patent and Trademark Office, which is a division of the U.S. Department of Commerce. The process involves a business meeting the requirements for a trademark prior to protection. These requirements state that trademark use must be connected with commerce. In addition, a mark must be distinctive. It must specifically identify or distinguish goods as being connected with one company.

Copyright

Original works of authorship such as music, books, academic writing, and other intellectual projects fall under copyright protection. Copyright law covers original works that are either published or unpublished. Visual arts also fall under the parameters of copyright protection. Copyright basics state that any work that someone created after January 1, 1978, has automatic copyright protection from the moment the person created it. This protection lasts for the term of the creator's life plus 70 years after death. Anything created before 1978 also has federal copyright protection under the same intellectual property guidelines. Some copyright exceptions exist. Under the definition of copyright, these exceptions include any works that have not been written or recorded. Other exceptions include short phrases, slogans, titles, and lists of ingredients. Common property that cannot be traced to a specific origin or originator also escapes copyright law. Copyright violations are commonly known as piracy. Piracy issues are widespread thanks to the easy availability of intellectual property on the Internet. Copyright law also covers computer software, giving the copyright owner rights to reproduction, distribution, and display of the software.

Patents

When an inventor or researcher designs a new product or invention, a patent license can protect the property and the rights of the inventor. The Patent and Trademark Office grants patents for new and useful inventions that are determined to be "non-obvious." Patent law states that the patent period spans 20 years from the date an inventor files a patent application. The patent gives the inventor the exclusive rights to the invention, which prevents others from making or selling the item during the patent period. Patents granted by the United States are valid only in this country. Three types of patents include utility patents, design patents, and plant patents. After creating an invention, an inventor or researcher can begin the patenting process. This process involves determining whether the item is patentable. Specific patent rules are in place, establishing required criteria for a patent. After determining that a product is patentable, the next step involves conducting research of patents to see if someone else has already patented the item. Searching for patents can be a time-consuming process. Some people opt to hire a patent agent to assist with the process of finding patents. After concluding the research phase, the next step is filing for the patent with the Patent and Trademark Office.

Branding Your Business

Awareness about branding has grown in the business world in recent years. More companies are realizing that their brands are an important and valuable asset, and they are setting branding priorities to achieve goals. In the most basic terms, a brand represents a company to consumers. Consumers can see a brand and have an immediate idea about a company's reputation and the products or services provided. Brands also represent the marketing efforts of a company. A number of brand myths exist. Brands are not logos or identities in and of themselves. Instead, brands are the customers' ideas and feelings about products, services, and companies. As companies seek to define their corporate brands and to create brand identity, it's important to create a defined brand strategy to achieve these goals. Branding a business entails creating a company personality and defining company characteristics and values as a public entity. This process will likely involve branding new products as they are developed and released. Fusion branding is another relevant process, which involves moving forward after merging companies. Better branding doesn't just happen, but with helpful branding tips, business owners can create viable and reputable identities that resonate with consumers. A professional website with credit card processing available and an active blog are among things that are useful to have when branding a business.

EMV & NFC Solutions

Credit Card Processing

POS Software

Paychex Acquires Lessor Group

by Laura Saxby Lynch @ Paychex Newsroom

Thu Mar 01 06:00:04 PST 2018

Paychex announced the acquisition of Lessor Group (Lessor), a Denmark-based provider of payroll and human capital management (HCM) software solutions.

The post Paychex Acquires Lessor Group appeared first on Paychex Newsroom.

What Is the QuickBooks Migration Policy?

by Chief Mechanic @ QBGarage.com

Tue Sep 11 20:47:18 PDT 2012

The QuickBooks migration policy is Intuit’s policy to provide a free upgrade to a soon-to-be-released version of QuickBooks to those customers who purchased the currently shipping version very close to the new version’s introduction. The free migration period is about 60 days. Typically, Intuit releases a new version of QuickBooks in the last week of […]

The post What Is the QuickBooks Migration Policy? appeared first on QBGarage.com.

boss said she’d give me a great reference but she didn’t, jobs advertised for less than minimum wage, and more

by Ask a Manager @ Ask a Manager

Tue Mar 20 21:03:16 PDT 2018

It’s five answers to five questions. Here we go… 1. My manager said she’d give me a great reference — but she didn’t After a second round interview with company A, I was asked to submit references. I typically would not include my current direct supervisor, who started working with my team six months ago, […]

OSHA 300 Needs to be Posted by Feb 1

by Steve Scheu @ Time and Pay

Fri Jan 19 10:30:57 PST 2018

The Occupational Safety and Health Administration (OSHA) mandates that all employers with more than 10 employees—except those in exempt low-risk industries—must maintain a record of work-related injuries and illnesses. Those who are required to maintain these records use OSHA’s Form 300- Log of Work-Related Injuries and Illnesses, or an equivalent or state-specific form. A summary […]

The post OSHA 300 Needs to be Posted by Feb 1 appeared first on Time and Pay.

Meet Dawn Stenberg, Mortgage Lender and Home Loan Expert

by Merchants Bank @ Merchants Bank Blog

Mon Feb 26 13:40:29 PST 2018

Get to know Dawn Stenberg, Mortgage Lender at Merchants Bank in Winona. When did you start your banking/lending career? Dawn: I started in banking in 2002, and I’ve been in mortgage since 2008. I came to Merchants in 2012, and here I’ve been a mortgage coordinator, mortgage underwriter, and now a mortgage lender. What is […]

Are Interns Supposed to be Paid?

by Steve Scheu @ Time and Pay

Tue Feb 20 05:28:50 PST 2018

It is not unusual for for-profit employers to bring on interns to work at their company. In not too distant past years, in general, many employers assumed the intern would not be paid. They worked for the valuable experience. However during the Obama administration, due to actions by the Dept. of Labor, employers needed to […]

The post Are Interns Supposed to be Paid? appeared first on Time and Pay.

How to Avoid Problems Terminating an Employee with Direct Deposit - Time and Pay

Time and Pay

Many companies make use of the advantages of paying their employees via Direct Deposit. It eliminates all the hassles associated with paper checks and thus saves money and time. Add in a completely paperless payroll process and employers see even more advantages. There can, however, be pitfalls in the direct deposit process as it relates to …

QuickBooks 2013 Coming On September 24th

by Chief Mechanic @ QBGarage.com

Tue Sep 11 22:12:40 PDT 2012

Intuit will release QuickBooks 2013 and Enterprise Solutions 13.0 on or about September 24th. Downloads from Intuit’s site will be available immediately upon release. Physical product should reach stores by sometime in October. The biggest thing users will notice about QuickBooks 2013 is the new design, or graphical user interface (GUI) in tech-speak. The design […]

The post QuickBooks 2013 Coming On September 24th appeared first on QBGarage.com.

I hate the idea of networking — it feels slimy

by Ask a Manager @ Ask a Manager

Tue Mar 13 09:30:58 PDT 2018

A reader writes: I’m a college student, so I’m very early in my professional career, but so far I’ve already had trouble overcoming my aversion/distaste/ineptitude for networking. I’ve only done one summer internship, but I’m always hearing that the only real way to get jobs and find success professionally is through “networking”—a challenge for me, […]

Do I Need a Bookkeeper? A Small Business Guide

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Feb 02 04:40:59 PST 2018

The decision on whether or not to do your bookkeeping should be made with careful consideration of two critical factors: first, do you have the necessary bookkeeping skills? And second, do you have the time? If you meet both conditions, you could save money in the initial stages of your business. However, as your […]

Denstad Earns Certified Health Savings Professional Designation

by Merchants Bank @ Merchants Bank Blog

Thu Mar 22 09:09:15 PDT 2018

Nancy Denstad has earned her designation as a Certified Health Savings Professional (CHSP), enhancing her expertise in helping personal and business customers with Health Savings Accounts (HSAs). “This additional training provides me with more resources to answer questions and provide answers for individuals and businesses,” Denstad said. “It’s an area that is quickly gaining in […]

The Challenges and Triumphs of Starting a Business

by Square @ Business Resource Center | Town Square

Thu Nov 27 16:00:00 PST 2014

We’re thrilled that Square seller Liz Fiedler, owner of Loving Cup in San Francisco, is featured in USA Today as part of their Small Business Saturday section. Below is her interview with our CEO, Jack Dorsey, where they discuss the challenges and triumphs of running a small business.

JD: What was the biggest barrier to starting a business?

LF:
I had no idea what I was doing! I learned as I went, working every shift, every day. My biggest hurdle was bookkeeping.

JD: How did you learn?

LF: Trial and error. I learned from my mistakes and really listened to customer suggestions. Some of our best-selling items were created by employees and customers.

JD: Has the government been supportive and what could they do to help?

LF: I’d love to see lower taxes, especially for small businesses that are just getting started. They seem to give tax breaks to big corporations that have the money to pay more taxes. I don’t know if that’s necessarily fair. Small businesses do a lot for the city, like maintain the sidewalks outside our stores. It would be nice to get something back.

JD: How do you consider your role in the community?
**LF: ** I want to make a product that is good for my customers and the environment. My business is primarily to-go, so I thought a lot about waste. That’s why everything here is compostable.

JD: That’s very cool and real leadership. What advice would you give someone starting a business?

LF: Stick with it. It’s incredibly hard work. You have to do everything, like learn how to replace circuit breakers. Eventually you hit your stride and it’s all worth it.

CBOE calls on SEC to allow bitcoin ETFs

by Peter Terlato @ finder US

Tue Mar 27 12:11:55 PDT 2018

The SEC remains concerned about the possible lack of sufficient liquidity to meet redemption requirements.

client pressured me into buying lingerie, employee thinks “thanks” is positive feedback, and more

by Ask a Manager @ Ask a Manager

Mon Mar 19 21:03:50 PDT 2018

It’s five answers to five questions. Here we go… 1. My client invited me to lunch — and then pressured me into buying lingerie I’m a freelance worker. One of my clients has been with me for several years, and I greatly appreciate her loyalty. Recently she put me in a very awkward situation, and […]

Is There a Minimum Credit Score for Business Loan Eligibility?

by Caroline Goldstein @ Fundera Ledger

Mon Mar 26 12:16:55 PDT 2018

Practically no one would call the process of getting a small business loan “simple.” You’ll have to meet a ton […]

The post Is There a Minimum Credit Score for Business Loan Eligibility? appeared first on Fundera Ledger.

Which is Better – Square or PayPal?

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post Which is Better – Square or PayPal? appeared first on Lendvo.

Square Point of Sale: All the Things You Can Do With Payments

by Square @ Business Resource Center | Town Square

Mon Aug 25 17:00:00 PDT 2014

To make sure you get the most out of your Square Point of Sale, we’ll regularly be posting essential intel, updates, and expert tips and tricks that help you take care of your business.

This one’s all about the foundation of your business: Getting paid. Here are six things to know:

1) You get paid quickly
Sales before 5:00 p.m. PT will usually show up in your bank account the next business day. Weekend and after-hours payments are also speedy. Check out the payments schedule.

2) You can set your close-of-day time
Maybe you close after 5:00 p.m. (say, if you run a bar or a hair salon). With Square’s flexible close of day feature, you can enter the closing time that works best your bookkeeping. Learn how to adjust here.

3) You can give partial refunds
Common scenario: A customer wants to return just one or two items. Simply open a refund in your Dashboard or Point of Sale app and enter the amount the customer would like back. Easy. Learn more about partial refunds.

4) You don’t have to chase down payments
Register’s invoice feature makes invoicing quick and fast for both you and your customers. Just send the invoice via email. The customer enters their credit card info and submits the payment. Voilá. No more headaches. Learn more about invoices.

5) You can take payments when you’re offline
We have you covered when you’re off the grid. Just set your device to offline mode. You can continue to take card payments, and your sales are processed automatically when you regain connectivity. Learn how it works.

6) You can process cash too
You can take cash and check payments, and even process sales even if you don’t have your Square Reader with you. Just enter the information manually. The transaction will process and authorize as usual. Find out more.

Introducing Squares Virtual Terminal Accept Payments On Your Computer
Not Accepting These Forms Of Payment Your Business Is Behind The Times
Five New Payment Terms You Need To Know
11 Reasons You Need a Web POS

Paychex Delivers Payday Flexibility with Same Day ACH Debits

Paychex Newsroom

Paychex functionality now affords employers the flexibility to reverse a payroll and have money debited from employee bank accounts on the same day.

How Do I Unattach a Previously Attached Document In QuickBooks Attached Documents?

by Chief Mechanic @ QBGarage.com

Wed Feb 16 15:28:06 PST 2011

From time to time, you may find that you’ve attached a document to the wrong list item or transaction when using QuickBooks Attached Documents. It’s easy to unattach a previously attached document in QuickBooks Attached Documents once you consider some Attached Documents basics: Unless you want to remove a document from online storage, you can […]

The post How Do I Unattach a Previously Attached Document In QuickBooks Attached Documents? appeared first on QBGarage.com.

How to Get Out of Debt, Fast! A Step-by-Step Guide

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Wed Jan 03 09:00:05 PST 2018

If you know the basics of personal finance, you may already know the most powerful force in the financial universe is compound interest. With compound interest, it’s easier to grow wealthier over time as the interest you earn compounds on itself over and over again. Unfortunately, compound interest can just as easily work against you as ... Read More about How to Get Out of Debt, Fast! A Step-by-Step Guide

The post How to Get Out of Debt, Fast! A Step-by-Step Guide appeared first on Cash Money Life | Personal Finance, Investing, & Career.

Direct Deposit snafu

by Brandon Svec @ Spiceworks Community

Mon Apr 04 10:56:54 PDT 2016

Hard to know for sure, but it does seem like maybe the company didn't move funds on time or missed a deadline and that delayed the deposits. On the other hand, I don't suppose WF is so perfect to never have an issue on their end.

what can I say to job candidates who are stalking me outside of work?

by Ask a Manager @ Ask a Manager

Mon Mar 12 10:59:18 PDT 2018

A reader writes: I work for a company known for its unbelievable perks and benefits. Every time a job opens up, we get thousands of applications. Candidates are becoming increasingly aggressive to stand out. Hundreds of them (literally) have purchased Facebook ads or LinkedIn promoted posts to get their information in front of current employees. […]

knowledge swap! share your expertise with people here

by Ask a Manager @ Ask a Manager

Thu Mar 22 07:59:59 PDT 2018

Are you good at something and willing to share that expertise with others here? Here’s what I propose for a change of pace: 1. In the comment section below, name something you’re really good at that you’d be willing to answer questions about. It could be Excel, or financial planning, or make-up recommendations, or resolving […]

GODADDY Online Store Review

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post GODADDY Online Store Review appeared first on Lendvo.

Builders Exchange honors craftsmen, longtime contributors

by Kevin Oklobzija @ Rochester Business Journal

Tue Mar 27 08:57:45 PDT 2018

Eight members of the Builders Exchange of Rochester received Lifetime Achievement Awards while 14 local craftsmen were recognized for their superior work over the past year. The honors were announced at a reception on March 24 at Locust Hill Country Club. The Lifetime Achievement Award recognizes those who have influenced the construction industry over the ...

Dentist office offering free services on June 9

by Velvet Spicer @ Rochester Business Journal

Tue Mar 27 07:06:48 PDT 2018

Greece Family Dentistry & Implantology will team with local volunteers and sponsors in June to bring Dentistry From the Heart to Rochester. Dentistry From the Heart is a nonprofit organization whose mission is to make people smile. Founded in Florida in 2001, DFTH was created to aid those in need, including the growing population of ...

we give our interns free housing — and there are problems

by Ask a Manager @ Ask a Manager

Mon Mar 19 07:59:47 PDT 2018

A reader writes: I train and manage a team of young (22-25) paid interns who, as part of their compensation, have free housing in a shared living space owned by my organization. Recently, one of my female interns told me (in tears) that the male interns repeatedly use the word “bitch” in their shared living […]

Small Business Management Consulting: Is This What Your Business is Missing?

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Jan 26 02:33:56 PST 2018

You might have a brilliant idea, the resources necessary to make it work, years of relevant experience, and yet you may find that things are just not working out the way you want. This is where small business management consulting can play a significant role in steering your business towards the right track. You […]

The Best Candidates for Local Business Loans Have These 6 Qualities in Common

by Caroline Goldstein @ Fundera Ledger

Wed Mar 21 10:28:48 PDT 2018

Need funding? Then your first stop might be to head to your local bank to see if you’re one of […]

The post The Best Candidates for Local Business Loans Have These 6 Qualities in Common appeared first on Fundera Ledger.

Gino Fanelli: Craft beer

by kplessinger @ Rochester Business Journal

Thu Mar 15 08:16:58 PDT 2018

Gino Fanelli talks about the craft beer industry

TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs

by Kevin Mercadante @ Cash Money Life | Personal Finance, Investing, & Career

Mon Jan 15 09:25:10 PST 2018

TaxAct is one of the leading tax preparation software packages available. The service was founded in 1998, and it enables you to prepare all types of returns, regardless of the degree of difficulty. Small and medium-size business tax returns are a niche of this product, but they even have a professional edition available for career ... Read More about TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs

The post TaxAct Review 2017 – A Powerful Tax Software Solution to Fill Most Needs appeared first on Cash Money Life | Personal Finance, Investing, & Career.

History of Money and Payments

by Square @ Business Resource Center | Town Square

Sun Oct 01 17:00:00 PDT 2000

People have engaged in commerce to exchange goods and services for payment throughout the ages. These financial transactions did not always involve monetary payments. There was a time when standard money did not even exist and people utilized other forms of payment to perform transactions. With the evolution of technology, money and payments have changed drastically. Current credit card processing technology and advanced business solutions make financial transactions possible at almost any time and virtually any place.

Bartering and Livestock

Bartering was an advantageous way to exchange goods and services for people many years ago because it enabled both parties to get what they needed. For example, two parties might exchange tools for services to fulfill the needs of both people. Livestock was also considered wealth that people could amass. The more cows or sheep someone owned, the wealthier they were.

The History of Money: Explore this infographic that provides a comprehensive timeline of the evolution of money.
Money: A Glossary of Political Economy Terms: Money has a broad definition that includes a variety of forms of value.
Bartering Overview (PDF): Bartering involves trading one person's goods or services for another person's goods or services.

Precious Metal Coins

Ancient civilizations used to use beads and shells as coins. Eventually, they began using precious metals to make coins. People in the ancient civilization of Lydia were among the first to use coins made of gold and silver. This currency was both valuable and easily portable.

Glossary of Coins: Explore the history of precious metal coins by reviewing terms included in this glossary.
Ancient Coinage: What Ancient Coins Reveal for Modern Art Historians (PDF): Ancient coins were considered works of art created by artisans.
History of Coins: This pictorial history shows ancient coins and an overview of various coins.

Leather Money

Leather was another material used for currency. People in ancient China utilized white deer skin for banknotes. The notes were large compared to the bills used in today's society. Leather money could have been as large as one-foot squares of deerskin.

Three Early Discoveries of Leather Money (PDF): Ancient leather coins have been discovered that were used as currency in some civilizations.
The Chinese Monetary System: From Ancient Times to the Early Modern Period (PDF): Leather currency dates back to ancient Chinese civilizations.
A Brief Timeline on the History of Money: White deer skin was used as money in China.

Paper Money

Eventually, the Chinese developed paper money. Civilizations struggled with determining and maintaining the value of paper money. In addition, challenges came in the forms of both inflation and the production of the currency. Paper money went in and out of use during periods of ancient history.

A Quick History of Paper Money (PDF): Explore the chronology of paper money throughout history.
The History of American Currency: American currency has had a tumultuous history as it has evolved through the centuries.
History of Paper Money: The United States has had several different types of paper currency in circulation throughout its history.

Gold

England established gold as its standard of value in 1816. Following this event, Europe began backing bank notes with the gold standard. This meant the value of any currency was set by establishing its value in gold. The United States followed suit in 1900. Before this time, both gold and silver were used for dollars.

Gold as Money: Gold coins date back to approximately 550 B.C.
The History of Gold (PDF): Gold began as a feature of decorative objects and jewelry in ancient civilizations.
Gold's History as a Currency Standard: This timeline looks at the use of gold as currency from the present day back to ancient times.

Gold-Backed U.S. Dollar

In 1913, the United States established the Federal Reserve system. This official central bank served the financial interests of the nation. Federal Reserve notes were backed by gold at this time. One of the roles of the Federal Reserve was to ensure that notes and checks would be honored and could be redeemed for gold.

Brief History of the Gold Standard in the United States (PDF): The current U.S. monetary system is backed by the federal government, not by gold or silver.
Currency Notes (PDF): The gold standard describes a system in which currency is connected to a specific amount of gold.
Gold Investor: Risk Management and Capital Investment: Gold has served as currency for thousands of years throughout many civilizations.

Credit Cards

Consumers began enjoying credit from retailers during the 20th century. Some retailers, such as department stores and gas stations, began creating individual credit cards to issue to consumers. These cards were created to make spending money more convenient for people. Diners Club was the first actual credit card, which gave consumers the ability to purchase meals from several restaurants located in New York City.

What Is a Credit Card? (PDF): This payment method has revolutionized the way people pay for goods and services.
Secret History of the Credit Card: Explore these resources to learn everything you need to know about credit cards.
When Were Credit Cards Invented? (PDF): Merchants had been extending credit to consumers long before credit cards made their debut.

U.S. Dollar

In 1933, the United States discontinued the gold standard to keep Americans from cashing in their currency for gold, depleting the national gold supply, amid worsening deflation. From this point forward, the federal government became the official backer of the monetary system instead of gold. However, the U.S. continued to let foreign governments trade dollars for gold until 1971. At this point, the country became concerned that foreigners would sap the national gold reserves, leading to an end to this practice.

History of 'In God We Trust': Explore the history of this motto that appears on U.S. currency.
History of United States Currency: United States currency began with a coinage system, instituted shortly after ratification of the Constitution.
History of the Mint: The United States Mint dates back to 1792.

Online Shopping

With the rise of the Internet during the 1990s, online shopping arrived on the scene. Consumers embraced the ability to peruse the Internet and make purchases. Common historical data suggests that Pizza Hut may have been one of the first retailers to execute an e-commerce transaction. The company began allowing people to order pizza on its website as early as 1994.

A Timeline of the Internet and E-Retailing: Milestones of Influence and Concurrent Events: This timeline shows information about the evolution of retailing through current e-commerce activity.
Fraud and the Internet: Online Shopping (PDF): Although convenient, Internet shopping can be a risk for consumers due to security issues.
Online Social Networks and e-Commerce (PDF): Online merchants want to gather information about consumers while they shop, which assists with marketing research.

Mobile Payments

Coca-Cola receives credit for offering the first mobile payment transaction in 1997. The beverage retailer created special vending machines that enabled consumers to pay for their drinks by sending text messages from mobile devices. Since this time, mobile payments have skyrocketed in popularity. Now, more people than ever before are paying on the go, and more merchants can accept payments anywhere, without being tied down to a cash register.

Mobile Payments: What's in it for Consumers? (PDF): This document looks at the benefits of mobile payments and how they are used today.
Consumers and Mobile Financial Services 2015 (PDF): The Federal Reserve presents detailed information about consumer spending habits that involve mobile devices.
Payments on the Go: Making Sense of the Evolving Mobile Payments Landscape (PDF): Read about the history and future of mobile payments in this document.

EMV & NFC Solutions

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Answers to 18 Payroll Questions You Are Dying to Ask

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 05 05:10:18 PST 2018

For some business owners, running payroll might be like learning a foreign language. You are a master of your business idea, not the administrative responsibilities that come with it. Because you might not be familiar with these responsibilities, you might have some payroll questions. Payroll questions and answers When you become an employer, you need […]

The post Answers to 18 Payroll Questions You Are Dying to Ask appeared first on Payroll Tips, Training, and News.

Set Up Your Menu Or Inventory In Square Point of Sale

by Square @ Business Resource Center | Town Square

Thu May 19 17:00:00 PDT 2016

Add something new to your list of things that are totally worth the effort: Creating an item library in Square Point of Sale. Whether you’re starting a restaurant, opening a bar, or ramping up a retail store, having a library of available items in your facility is important. If you’ve been putting this task off, here are five reasons you shouldn’t wait any longer. And even better, we have a new way to get even the largest item libraries set up:

1. Speed through your line

When you input your menu or inventory into Square Point of Sale, you’ll ring up sales faster and avoid errors.

2. Give your customers better receipts

Automatic itemized receipts help your customers with expenses, taxes, or budget tracking.

3. See what’s selling

Selling by item allows you to look at your sales by product and by product category.

4. Never run out

Choose to track inventory levels on any item you sell and get alerts when stock is low.

5. Manage just one library

Your Square item library integrates across Square Point of Sale and Square Market.

Lots of items to set up?

With our new Bulk Item Import tool, you can set up or modify many items at once. Check it out.

Introducing Square for Retail: A New Point-of-Sale App and Complete Set of Tools for Retail Businesses
Introducing Square POS Kits for Coffee Shops, Markets, Restaurants, and Retail Stores
Keep My Tab Open - Open Tickets Come to Square Point of Sale
Quick Tips for Setting up Your Employees with Square
Square Point of Sale: Now Available Worldwide

Offline Mode: Works in Nowheresville

by Square @ Business Resource Center | Town Square

Wed May 21 17:00:00 PDT 2014

Building new tools and features means little until business owners like you find them useful. That’s why we’re excited to report that since the recent launch of Offline Mode sellers have accepted more than $2 million offline. That could have been two million dollars worth of lost sales due to loss of connectivity. With Offline Mode, businesses are making sales no matter what.

So no matter if you’re in the desert…
<iframe width="560" height="315" src="//www.youtube.com/embed/ghrmHjd5hG0" frameborder="0"></iframe>

…out in the ocean…
<iframe width="560" height="315" src="//www.youtube.com/embed/L76I7OgbpFQ" frameborder="0"></iframe>

…or in space…
<iframe width="560" height="315" src="//www.youtube.com/embed/0gqza9pdYbI" frameborder="0"></iframe>

…you’re in business. To accept payments anywhere, click here.

What Is an FEIN?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Feb 26 05:10:00 PST 2018

When you run a business, you must meet many IRS requirements. You might need an FEIN to identify your business on documents like payroll tax forms. What does FEIN mean? What is an FEIN? FEIN is an acronym for Federal Employer Identification Number, also known as an EIN. This unique, nine-digit number is used by […]

The post What Is an FEIN? appeared first on Payroll Tips, Training, and News.

PNC Business Banking

PNC

We offer a different kind of banking experience tailored by you. It starts with a one-on-one Cash Flow Conversation to learn about you and your business in order to create a comprehensive banking relationship that can help you achieve your business and personal goals — by giving you the ability to effectively and continuously make the best use of your cash flow.

Tune In: Jack Dorsey and SBA Administrator Maria Contreras-Sweet Talk Payments Security

by Square @ Business Resource Center | Town Square

Tue Jun 23 17:00:00 PDT 2015

We’ve been keeping you in the know about all the upcoming changes to payments technology on this blog. And now we’re taking that knowledge on the road. We’re excited to announce that we’ve partnered with the Small Business Administration (SBA) to host a series of educational talks about all the new, more secure payment technologies. Specifically, we’ll be focusing on authenticated payments like NFC (think: Apple Pay, Android Pay, etc) and EMV.

Tomorrow, we’re kicking things off in Miami with an event featuring Square CEO Jack Dorsey and SBA Administrator Maria Contreras-Sweet. They’re hosting a discussion about why all of these changes are so crucial for small businesses. The event is sold out, but you can still tune in live via our Periscope stream. (If this will be your first time using Periscope, you can download the app here).

The event starts at 10 a.m. ET. Follow us on Twitter to be alerted when we’re live.

Here’s what they’ll be covering:

What EMV chip card technology is and why it’s more secure than the technology in magnetic stripe cards
What the transition to EMV chip card technology means for small business, including new fraud liability rules that take effect October 1, 2015
How to prepare for the transition not only to EMV technology but also to other secure, authenticated payment methods like NFC/contactless (i.e. Apple Pay, Android Pay, etc)

For those who can’t watch the Periscope broadcast, we’ll be posting a recording of the talk on this blog in the next few days. And to find out when Square and the SBA will be coming to a city near you to discuss secure payments, be sure to follow us on Twitter.

Important Tax Fraud Alert

by Merchants Bank @ Merchants Bank Blog

Mon Feb 26 09:48:05 PST 2018

Just days into the start of the 2018 filing season, the IRS identified a new scam in which cybercriminals have stolen client data from tax professionals and filed fraudulent refunds using real taxpayer information, including bank account and routing information for direct deposit. The fraudster then contacts the taxpayer posing as an employee of a […]

New KKW Beauty x Mario makeup collection to drop next week

by Helen Champion @ finder US

Tue Mar 27 12:28:37 PDT 2018

The decade-long friendship between Kim Kardashian West and her makeup artist culminates in a killer collaboration coming out next week.

Farm workers discuss hardships at UR panel

by Diana Louise Carter @ Rochester Business Journal

Tue Mar 27 03:29:41 PDT 2018

Ismael Castellanos isn’t asking for much. He works 12-hour days, 13 days in a row on a dairy farm in Genesee County. An undocumented worker from Vera Cruz, Mexico, Castellanos said he’s already received the opportunity to work by being in the United States. “I’m not asking for anything,” he told a crowd of 100 ...

coworkers talk about childbirth over lunch, employee is abusing candidate referrals, and more

by Ask a Manager @ Ask a Manager

Mon Mar 12 21:03:20 PDT 2018

It’s five answers to five questions. Here we go… 1. My coworkers love talking about childbirth during lunch and it’s grossing me out My coworkers enjoy talking about childbirth at lunch. It seems like I can’t even eat my lunch without someone discussing a torn perineum. I’ve tried making jokes like “ha ha, I just […]

ESL, First American Equipment Finance ranked on best places to work list

by Gino Fanelli @ Rochester Business Journal

Tue Mar 27 09:24:08 PDT 2018

For the third year running, ESL Federal Credit Union has been ranked as one of the nation’s best places to work in the financial and insurance sector, according to Fortune magazine and Great Places to Work. Another local company, Fairport’s First American Equipment Finance, also registered in the top 10 on the same list. This year ESL ...

Compare QuickBooks Payroll to ADP, Paychex for Small Business Payroll

QBGarage.com

We did a detailed cost and feature comparison of the payroll offerings from QuickBooks, ADP, and Paychex for a 10 employee business. See who came out the winner.

$11 million goes to restoration projects in Finger Lakes

by Velvet Spicer @ Rochester Business Journal

Tue Mar 27 09:08:44 PDT 2018

More than $11 million has been awarded to projects in the Finger Lakes region in the fifth round of the state’s Restore New York Communities Initiative. Ten regional municipalities have been awarded $11.2 million to support revitalization efforts that range from rehabbed vacant buildings to demolition and redevelopment of a former mall. Statewide, nearly $81 ...

A History of America's Credit Cards

by Square @ Business Resource Center | Town Square

Wed Nov 08 16:00:00 PST 2000

The fast-paced financial world of plastic credit cards and their interest rates is relatively new in the grander, larger history of the U.S. Only since the late 1950s have Americans started to use credit, and the craze has resulted in a multimillion-dollar, powerful industry that affects millions of Americans every year. Both merchants and consumers would be completely stuck without the little plastic cards, with slowed transactions and virtually no online purchases. When did we really start using credit cards, and when did this change in monetary systems really start to affect not only our economy but the global economy?

The First "Credit Cards": Tally Sticks

It's very difficult to say when the first credit card existed, as credit exchanges as a concept were around as early as the Middle Ages. They were called tally sticks and were a system of financial record-keeping used when currency, which was heavy, expensive coinage, was not available. These sticks featured notches for the amount of debt owed and were split neatly down the middle, making them very difficult to counterfeit as each one's grain and split was completely unique. Tally sticks were an essential part of tax collection in England for more than 700 years.

The Forgotten Wallet and the Diners' Club Credit Card

The first credit card as we understand it in the modern sense was created as late as 1950. It was called the Diners' Club card. A man named Frank McNamara came up with the idea in 1949 while having dinner in a New York City restaurant. He was caught without his wallet. Urban legend has it that he offered to sign for his dinner, promising to pay for it later, then called his wife to bring over the cash. It is a fact, though, that he created the first consumer-facing credit card company, called Diners' Club.

The Move to Plastic

While most merchants weren't happy with these cards initially, the credit card started a craze that began to take shape in the 1950s and early 1960s. The Diners' Club card was technically a charge card; it required members to pay in full each month. It had been historically made from either cardboard or celluloid. American Express issued the first plastic card in 1959. As a competitor to Diners' Club, the company did very well. Plastic soon became a mainstay. Also in 1959, a new concept was introduced: the concept of the rolling balance, which was revolutionized by MasterCard. Cardholders didn't have to pay in full each month, but allowing rollover would increase fees.

The Development of Money, Metrics, and Convenient Billing

While credit cards started to become common, not everyone could have one in the 1960s. Credit cards began to really take off later on, starting in Sioux Falls, South Dakota, when conventional loans became too highly regulated. In the 1980s, Citibank moved to South Dakota because of its looser laws in combination with what became known as the Marquette decision, which freed up regulations on how much banks could charge their cardholders in interest. This deregulation allowed more people to get credit cards, and the industry expanded a great deal (for better and for worse).

Future Advancements and the "Smart Card"

While the technology for the so-called "smart card," which has an embedded chip, was developed as early as the mid-1970s, it's only now starting to become mainstream. This technology became widespread in Europe in the form of payphone cards as early as the 1980s. The EMV® system — developed and managed by American Express, Discover, JCB, Mastercard, UnionPay, and Visa — has started to be included in cards as of October 1, 2015. This is considered to be a more secure method of transaction, as these cards are more difficult to counterfeit.

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Celebrating Local Business Growth With Square Capital

by Square @ Business Resource Center | Town Square

Tue Aug 19 17:00:00 PDT 2014

To start your own business, you need a combination of hard work, creativity, and guts. You probably also need some money.

We’ve extended nearly $50 million to more than 10,000 independent businesses through Square Capital, our financing program. With a new investment from Victory Park Capital, we’re now able to support even more sellers.

To celebrate the businesses that are growing with Square Capital, we’ll be sharing their success stories over the coming months. We’re starting with jux·ta·pose, a women’s fashion and accessories store in Tampa and one of the first recipients of Square Capital.

jux·ta·pose is the brainchild of sisters Lindsay and Kallie Wesley. They were killing it at their Hyde Park Village location and started to set sights on opening a second store.

They applied for a small business loan and were denied. Among other reasons, the bank told them that they didn’t have enough credit history to qualify (both sisters are in their mid-20s).

Square saw a different story. With a deeper understanding of jux·ta·pose’s sales history and growth numbers, we recognized their potential and extended them capital. “Square believed in us when no one else did,” says Kallie Wesley.

Come this fall, we’re pleased to report that jux·ta·pose will be opening a second store in St. Petersburg, Florida—thanks in part to the capital they received from Square. They used the money to build out the new location, hire a store manager, and add more merchandise.

Now, they’re focusing on what what they consider to be the ethos of their business—offering merchandise from local designers. “These types of pieces are a bit more expensive but we always want to support local, local, local,” says Kallie Wesley.

So congrats to jux-tapose. If you ever find yourself in Tampa, be sure to pop in. Their stuff is beautiful.

Square Capital 1 Billion In Funding To Over 100K Sellers
Tips For Small Business Financing How To Get Noticed By Square Capital
Square Capital Now Offers Flexible Loans To Boost Lending

What is Double Entry Accounting?

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Feb 09 02:00:57 PST 2018

So, what is double entry accounting? Double-entry bookkeeping/accounting is an accounting technique where two entries are made for every transaction. Who invented double entry accounting? There is a common misconception that double-entry bookkeeping was first developed by Leonardo Da Vinci’s math teacher, Luca Pacioli, who is widely credited as the father of accounting. […]

How to Find Right Bookkeeping Help

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Feb 23 05:30:50 PST 2018

All businesses require some form of bookkeeping help across various scenarios. There are also quite a few options available to them, ranging from hiring a full-time bookkeeping staff (or team) to hiring a freelance bookkeeping firm or even hiring a virtual bookkeeper. Each option has unique advantages, and the decision depends on the scale and […]

Credit Unions vs Banks – How they Differ and What It Means to You

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Wed Feb 14 13:58:24 PST 2018

Savvy consumers know they shouldn’t pay too much for banking services (after all, that is how banks make money). That’s why a record number of Americans are turning to credit unions for their banking needs. A lot of this has had to do with efforts to encourage consumers to move their money from big banks charging ... Read More about Credit Unions vs Banks – How they Differ and What It Means to You

The post Credit Unions vs Banks – How they Differ and What It Means to You appeared first on Cash Money Life | Personal Finance, Investing, & Career.

QuickBooks Keyboard Shortcuts

by Chief Mechanic @ QBGarage.com

Sun Mar 13 09:15:24 PDT 2011

QuickBooks includes a variety of keyboard shortcuts to make your use of the program easier and faster. We’ve compiled them into a single sortable and searchable list, shown below. All of these shortcuts are based on QuickBooks for Windows. Here are a few pointers on making the best use of keyboard shortcuts: Our list is […]

The post QuickBooks Keyboard Shortcuts appeared first on QBGarage.com.

Direct Deposit snafu

by Josh of RTS @ Spiceworks Community

Mon Apr 04 14:42:59 PDT 2016

We use Ceridian here and never seen an issue and they are dealing with 17k employees for my employer. Though I'm not a fan of their W-2 retrieval tool and their payroll site is a little outdated looking but they are effective.

The History of American Entrepreneurship

by Square @ Business Resource Center | Town Square

Wed May 31 17:00:00 PDT 2000

The United States has entrepreneurialism deeply rooted in its history as the country was founded and settled by risk takers and innovators looking for new opportunity. Americans are raised learning about inventors such as Thomas Edison and Benjamin Franklin while entrepreneurs such as Henry Ford and Andrew Carnegie are also celebrated. In the late 1970s, the United States was the first country to embrace entrepreneurial endeavors while ditching managerial capitalism.

The start of American entrepreneurship dates back to settlers engaging in trade and barter with Native Americans which resulted in mutual benefit for both parties. Following the entrepreneurial endeavors of early settlers, entrepreneurship flourished in the period following the American Civil War. Rapid growth of the communication and transportation industries due to the expansion of mining and agriculture allowed entrepreneurs to easily find success.

By the later part of the 19th century, entrepreneurs were considered among the elite. Westerward expansion and the creation of the railroad led farmers to move west, prompted by governmental incentives and subsidies for industries such as railroad, banking, and land acquisition. This led to tremendous opportunities for profit, again allowing entrepreneurship to flourish. During the late 19th century, entrepreneurship can be underscored for creating capitalists, innovators, prospectors, financiers that could provide funding, and business men who were not only creating startups but expanding pre-existing businesses.

In more recent times, the industry probably most well known for creating successful entrepreneurs is the tech industry. Apple and Microsoft helped to lead the way for entrepreneurs in the tech industry. The late Steve Jobs, CEO and co-founder of Apple, as well as Bill Gates, Microsoft founder, embody the creative energy that is so important to entrepreneurship in the United States. Industry heavyweights such as Gates and Jobs represent the hard work and tenacity that often makes a successful entrepreneur.

Throughout the history of the United States, immigrants have also played a significant role in entrepreneurship. A high number of immigrants go on to start their own businesses upon settling in America. Some studies have even suggested that immigrants to the United States are more likely to become self-employed.

Entrepreneurs have always been and continue to be an integral part of the American economy. Entrepreneurs spur a large number of new jobs and according to research are less responsive to downturns in the economy.

Famous Entrepreneurs Throughout History

Thomas Alva Edison- Edison is considered by many to be the greatest inventor of all time. He is credited with more than one thousand U.S. Patents for various inventions including the phonograph and the lightbulb. Edison’s work on electricity also led to the world’s first power plant.
Henry Kaiser - Kaiser began his entrepreneurial career in 1914 with a pavement company. In the years following, he built a series of hugely successful companies in the steel, construction, ship building, car manufacturing, and healthcare industries. Kaiser is perhaps most well known for creating the Kaiser Permanente health maintenance organization.
Oprah Winfrey - Oprah Winfrey is widely known as a daytime talkshow host. She went on to parlay her fame into a global brand and has launched a television network, magazine, radio show, website, and has published multiple books. Winfrey has also taken an active role in a variety of theater and movie productions through her company, Harpo productions.
Benjamin Franklin - Franklin was one of the founding fathers as well as being one of the first entrepreneurs. He invented many products including the lightning rod, bifocal glasses, and the Franklin stove. Franklin is also credited with creating America’s first free library.
Henry Ford - Henry Ford is known for creating the first car, a Model T, that helped to drastically expand people’s range of movement. Ford is also credited with creating the first moving assembly line, which signaled the breakthrough of the Industrial Age in America.
Steve Jobs - The late Steve Jobs was one of the founders of Apple. He and partner Steve Wozniak created an operating system and went on to create multiple products including computers, cell phones, tablets, music players, and more. Apple continues to be an innovator in the tech field and consistently releases new products.
Andrew Carnegie - After Andrew Carnegie’s family business collapsed at the time of the Industrial Revolution, he began working as a railroad assistant and invested his money. He went on to create Carnegie Steel which grew into a huge company. Carnegie spent the later part of his life donating to various charitable causes.

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What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 12 05:10:40 PDT 2018

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

The post What You Need to Know About a Qualifying Life Event appeared first on Payroll Tips, Training, and News.

Common Tax Credits and Tax Deductions – How to Qualify for and Claim Your Eligible Tax Deductions

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

Tue Feb 20 04:07:16 PST 2018

Thank you H&R Block for sponsoring this post. While this was a sponsored opportunity from H&R Block, all content and opinions expressed here are my own. Note: all tax information refers to the 2017 tax season and is accurate at the time of publication. The American Tax system is complicated. But sometimes the aspects that ... Read More about Common Tax Credits and Tax Deductions – How to Qualify for and Claim Your Eligible Tax Deductions

The post Common Tax Credits and Tax Deductions – How to Qualify for and Claim Your Eligible Tax Deductions appeared first on Cash Money Life | Personal Finance, Investing, & Career.

Spot Any Familiar Faces in our New Ads?

by Square @ Business Resource Center | Town Square

Mon Sep 29 17:00:00 PDT 2014

Catch our national TV ads last night? If you’re from Minneapolis or Phoenix, you may have recognized some familiar local faces.

We had a ball filming these ads and getting to know the sellers featured — they’re the true stars of these spots. And we’re glad they had as much fun as we did. “The shoot was really fun for our staff and customers,” says Kelly Sharp, owner of The Barber Sharp in Minneapolis. “We’re so excited to see it on TV.” We second that excitement, and we couldn’t be more thrilled to highlight these thriving local businesses for the whole country.

Spot anyone from your neighborhood? Here’s who’s featured:

Minneapolis

Phoenix

We hope you enjoy the ads — and thanks to these Square sellers for letting us into their world. You rock. And you inspire us every day.

</br>

Tennessee Unemployment Taxes to Decline in 2018

by Steve Scheu @ Time and Pay

Tue Jan 23 12:52:50 PST 2018

Tennessee Unemployment Taxes (SUTA) to Decline in 2018 The Tennessee Dept of Revenue notified employers that the State Unemployment Wage Cap will be reduced from $8,000 to $7,000, thus reducing the amount of state unemployment payroll taxes employers will pay in 2018. Good news! The Wage Cap is the amount of wages paid to employees that […]

The post Tennessee Unemployment Taxes to Decline in 2018 appeared first on Time and Pay.

Third Phase of Same-Day ACH Implementation Begins

Paychex

The third phase of same-day ACH began March 16, 2018, requiring financial institutions to make credits received in a same-day ACH window available for withdrawal by 5 p.m. local time. Take a look at details of this development.

Do I need QuickBooks? What You Should Know Before You Purchase

by Park City Bookkeepers @ Park City Bookkeepers®

Fri Jan 05 04:42:17 PST 2018

As a small or medium-scale business, when your transaction volume grows, you may feel the need to invest in an accounting software, one of the most popular options is QuickBooks. However, QuickBooks comes with a lot of features that you may not need, and there are other less expensive options you might want to consider if this is the case. If […]

S-Corp vs. C-Corp: How They Differ (and How to Decide)

by Georgia McIntyre @ Fundera Ledger

Thu Mar 22 06:50:16 PDT 2018

If you choose to structure your business entity as a corporation, you’ll be faced with an important decision—whether to set […]

The post S-Corp vs. C-Corp: How They Differ (and How to Decide) appeared first on Fundera Ledger.

Direct Deposit snafu

by GrayRabbit @ Spiceworks Community

Mon Apr 04 21:29:42 PDT 2016

Follow-up: I did get Wells-Fargo to confirm that they indeed had an "issue" with their DirectPay service...as to what that issue was, no one seems to know. Worse, no one would talk with our HR department or firm partners about it.

Not satisfied with that answer, it sounds like our management will be pursuing a different bank.

Should My Business Pay Employees Through Direct Deposit?

Merchants Bank Blog

In 2014, 77% of business payment fraud occurred in the form of paper checks.* Did you know that you can help prevent fraud and provide a benefit to your employees by implementing one simple solutio…

Maria Ilina Joins Time & Pay’s Sales Staff

by Steve Scheu @ Time and Pay

Tue Jan 23 12:28:05 PST 2018

Maria Ilina Joins Time & Pay’s Sales Staff Time & Pay is pleased to announce Maria Ilina has joined our sales department. Maria studied economics and finance at ETSU, and graduated with an MBA in 2008. She has since worked in financial services, and served as the head coach of the men’s and women’s tennis teams […]

The post Maria Ilina Joins Time & Pay’s Sales Staff appeared first on Time and Pay.

our office manager isn't processing payroll on time — Ask a Manager

Ask a Manager

A reader writes: I work as a legal assistant at a small law firm. Today is payday, but this morning the office manager emailed all of the hourly employees

my coworker is getting credit for my work

by Ask a Manager @ Ask a Manager

Mon Mar 19 09:30:26 PDT 2018

A reader writes: I work for a medium sized company on a very small team. For all intents and purposes, it is just me and my colleague, “Joe.” Joe and I both started at the same time and work on the same types of projects. The similarities end there, as Joe is the type to take […]

Cell Phone Porting Fraud: Check Your Phone

by Merchants Bank @ Merchants Bank Blog

Wed Mar 21 05:00:13 PDT 2018

Fraudsters are getting names, phone numbers and other personal identifiable information of real people and transferring their phone number to a different cell phone service provider. They pose as the victim and report the phone lost to the current provider and request the number be transferred (or “ported”) to a device with a different cellular […]

Choosing Between Paychex and ADP - Lendvo

Lendvo

While ADP has a cheaper sticker price, they offer fewer discounts than Paychex. In addition, ADP charges a small setup fee to begin using the software.When it comes to small businesses, payroll companies are one of the best ways to easily complete payroll. They know the

This Week's Must-Read Small Business Articles

by Square @ Business Resource Center | Town Square

Thu Aug 14 17:00:00 PDT 2014

It’s never too early to start thinking about the holiday season. Here are tips for planning your holiday party, and another article with advice on how to get your website ready for Christmas now.

Speaking of holidays, have you taken a vacation this summer? If you’re a small business owner, it’s unlikely. Fortune reports that fewer than half of small business owners have plans to take a vacation this year.

This week’s viral trend is the Ice Bucket Challenge. Time Magazine takes a deeper dive into why dumping frigid water on your head is a good idea, kind of. Even Mark Zuckerberg got involved.

PowerPoint is getting a lot of attention this week after one CEO offered 1,284 slides of “wisdom” titled “Lessons From My 20’s” and another entrepreneur raised $2 million with five slides about nothing.

REJobs program puts 25 more graduates into the area workforce

by Kevin Oklobzija @ Rochester Business Journal

Mon Mar 26 17:36:39 PDT 2018

For Kenyatta Jones, the City of Rochester’s REJob training program is truly a game-changer. Make that a life-changer. For the last eight weeks, a group of 25 program participants were given a crash course in the environmental construction industry. They learned the essentials in job training and were certified in areas such as hazardous ...

my coworker thinks it’s funny to try to scare me

by Ask a Manager @ Ask a Manager

Tue Mar 20 07:59:06 PDT 2018

A reader writes: I have been having a mild problem with a coworker since I started at this new company a little over a year ago. He tends to like to sneak up and scare us while we are working. We both wear earbuds while we work so it’s easy for us to not hear […]

Revisiting the Flexibility and Benefits of Same-Day ACH as Third Phase of Service is Implemented

Paychex

Following the recent implementation of the third phase of same-day ACH, now is a great time to revisit the benefits of this service for businesses and individuals.

OnDeck Capital Review

by Sultan4 @ Lendvo

Wed Aug 30 09:43:26 PDT 2017

The post OnDeck Capital Review appeared first on Lendvo.

EarlyDeposit.org

When Does Paychex Direct Deposit Go Through

by Ryan Guina @ Cash Money Life | Personal Finance, Investing, & Career

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by Paul Moyer @ Cash Money Life | Personal Finance, Investing, & Career

by Square @ Business Resource Center | Town Square

Other Financial Information During Alexander Hamilton’s Time as Secretary of the Treasury

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What Is Marketing?

History of Marketing and Timeline

Types of Marketing

The Role of Marketing

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POS Software

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Sick leave management in Square Payroll

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