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What is Amazon Fire TV? A guide to the streaming device and how it differs from its competitors

The difference between models is mainly a matter of image quality, sound quality, and connectivity. The Fire TV Stick Lite and Fire TV Stick only display HD, for example, while the other models offer 4K video. Likewise, all but the Lite output sound in Dolby Atmos, and you need at least the Fire TV Stick 4K Max to connect to the new WiFi 6 wireless standard.

Currently, Amazon offers five versions of Fire TV, from the value-priced Fire TV Stick Lite to the premium Fire TV Cube. In between those two, Amazon offers three other models: the Fire TV Stick, Fire TV Stick 4K, and the Fire TV Stick 4K Max. In general, all five devices work essentially the same and offer the same array of streaming apps, streaming music, and games.

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Leasing

Lease or Buy Question #3: Does It Have to Be New?

Moving expenses Debt consolidation Medical bills Wedding expenses Home renovations or repairs Funeral costs Vacation costs Unexpected expenses

What Is a Personal Loan?

Find the Right Vehicle

Best Commercial Truck Loans

The following banking institutions all offer some form of commercial vehicle financing:

Commercial Truck Financing Overview

Don't just go back to 'normal.' Post-pandemic life can be much better than that

The boom times may be over for Dollar General, which has been a major beneficiary during the Covid-19 pandemic as shoppers have sought out low-cost groceries and other household staples.

5 Signs It's Time to Upgrade Construction Equipment

In 2019, the industry reported almost 80,000 nonfatal injuries. It remains the highest out of all industries combined according to the Bureau of Labor Statistics (BLS). Furthermore, the Occupational Safety and Health Administration says the construction industry accounts for 20 percent of worker deaths for 2019.

Financing The Equipment That Will Build Your Business

Investing in new equipment is really investing in your business, not to mention giving your team the tools to succeed. Upgrading assets improves your company’s efficiency, leads to a reduction in accidents and injuries, and may even contribute to helping you grow your client base

Many DRP shops offer lifetime guarantees on repairs like paint and craftsmanship.

What is a DRP?

Overview: DRPs and generic replacement parts

The Top 10 Uses of Utility Trailers

For the Latino business community, involvement with their US Hispanic Chamber of Commerce or their local chapters can pay off, as networking within the community can lead to valuable connections, more assistance with fundraising, and accessing federal or local business assistance programs.

For Latino businesses to grow and thrive after this crisis, some think tanks, such as the Brookings Institution, have called for PPP funds to be allowed to cover more business costs, rather than employee salaries. (Hispanic businesses tend to have fewer employees, but more need to cover operational costs.) Credit unions, smaller, local financial institutions, and non-traditional lenders in communities of color should also play a larger role in distributing these funds, experts argue.

Among the societal forces are higher Covid infection rates within the Latino community (impacting the natural consumer base for many Hispanic-owned businesses); less access to quality child care during the crisis; and less-established business histories

The path forward for Latino entrepreneurs rests on a variety of factors, some which touch on public policy, government intervention, and societal forces

Once you have a plan in place for 2020, here at BusinessComparison we can help you achieve your goals. Whether you are looking for a competitive business loan to pursue an opportunity you missed in 2019, or business insurance for an additional venture, our team can help.

ow small businesses can plan for 2021

The start of a new year is a great time to take stock of where your business currently stands and turn your attention to the future

As we head into 2014, one of our key resolutions is to continue innovating the ways in which we engage with our customers

Without a plan, all activity looks like progress.

The holidays often mean increased sales, new inventory and more customers for retail businesses, with November and December accounting for as much as 30 percent of a retailer’s annual sales.1 

Google Findings

Even without COVID, it’s hard to understate the importance of holiday shopping for mom and pop retail. According to the National Retail Federation, holiday sales represent about 20 percent of annual retail sales each year, with some retailers like hobby, toy, and games stores totaling 30 percent of sales. Of those sales, online represented nearly 15 percent in 2019.

It has been a tough year for the retail industry overall, but e-commerce is seeing explosive growth that is expected to continue. The pandemic has accelerated consumers' shift to online shopping by roughly five years, according to IBM's U.S. Retail Index. While department store sales are projected to decline by over 60 percent in 2020, e-commerce is expected to grow by nearly 20 percent. 

Lower overall spend 

Creating a smooth shopping experience results in happier customers, greater brand loyalty, and ultimately more sales. This year, given the complexity of production and logistics, planning and preparation are even more crucial to ensure a successful holiday season

In fact, because of all the pandemic related disruption, fully 71 percent of American adults plan to do more than half of their shopping online this year, Spalding points out. And 66 percent plan to shop at more small businesses

amid a shaky economy and continued concerns about another wave of coronavirus infections.

This holiday season, being ready means being fully stocked, serving customers wherever they are comfortable interacting—online or even from their car outside your store—and ensuring you have the human power available to avoid any delay. Flexibility and adaptability will be critical.

How Businesses Are Preparing for the Holiday Season During COVID-19

The good news is that consumer shopping plans appear to be relatively unaffected. A Radial consumer survey regarding holiday shopping reported that "despite the impact of COVID-19, shoppers do not plan to significantly change their holiday spend compared to 2019. However, the data did reveal a stronger preference for online shopping, with 66% of shoppers anticipating they will increase their online purchases during the 2020 holiday season."

Holiday Shopping Event Promotion

Opciones de financiamiento para tu empresa familiar

How Net Income is Used in a Business

How Net Income Works for Businesses

Next, you'll need to subtract your operating expenses, taxes, and the interest you paid on any business debts in order to determine your net income. Operating expenses include any costs of running the building, and can include (but are not limited to):

To calculate your gross profit, subtract the cost of goods sold. As an example, if you own a restaurant, this would include all of the ingredients, packaging, and other items that are sold to customers

It’s the amount of money you have left over to pay shareholders, invest in new projects or equipment, pay off debts, or save for future use

Gross income – operating expenses = operating income

Why is it important?

To get an accurate net income calculation, it’s important to keep excellent track of revenues and expenses.

Earnings per Share

If a company has high net income does it have high cash flow too?

Travel expenses are deducted from revenue, as are expenses related to the company’s office. Money spent on advertising, marketing, events, and client-related expenses is also deducted.

Selling expenses, aka expenses required for the labor in selling your product, are taken into account. That includes salaries and benefits for employees at the business.

Why is net income important to investors?

Net income is found on three of a company’s financial statements: balance sheet, income statement, and cash flow statement.

The net income calculation also takes into account known costs of a business such as the cost of goods sold (COGS), operating expenses, other gains and losses, other expenses, depreciation and amortization, interest expenses and taxes. It does not take into account money that is paid out to shareholders in the form of a dividend.

What Is Net Income and Why Does It Matter?

Calculating Personal Net Income

Calculating Net Income for Your Business

Net income helps you understand how profitable your business is. If you’re an investor, it can help you analyze a company’s stock. And as an individual, it can help you understand your actual take-home pay.

Other commercial construction loans like the Small Business Administration CDC/504 loan provides more long-term options so an additional loan following the completion of the project will not be needed.

and so on

Business owners who plan to purchase existing commercial properties can get a loan known as a commercial mortgage. However, if you plan to renovate your existing space or construct a new building from the ground up, you’ll need to apply for a commercial construction loan.

However, a commercial construction loan is considered a high-risk loan. If anything goes wrong during the course of the project you could be left with quite a large loan and nothing to show for it. Getting approval for a loan also takes quite a while, which means your whole project is on hold until the funding comes through. If you’re just planning a small-scale renovation, you might do better with some other form of business funding that comes through more quickly

How to Apply for a Construction Loan

Financing

What to Do To Get Ready

These are short-term financial vehicles that are geared towards building commercial property on the real estate. Keep in mind the banks release the money periodically as construction progresses.

imple techniques that are often used include spear-phishing, where humans mistakenly open spam emails and download malicious attachments or enter confidential information into fake websites to which they are redirected. It is important to raise awareness of cybercriminal risks and educate the newly banked on digital and financial literacy to teach them best practices to ensure security when engaging in financial transactions online.

The good news for small businesses is the growth of online lending does offer a source of cash when it is needed most, and there are a number of legitimate and reputable online lenders from which to choose. The bad news is unscrupulous lenders and scammers are growing more relentless in their efforts to take advantage of vulnerable, cash-strapped business owners who aren’t aware of their options

Don't provide your Social Security Number or financial account information to a company unless you first have determined that the business is reputable.  If you believe you have provided such information to a scammer, you should inform your bank or credit card company and request that they close down your account and set up a new one. In addition, you should consider putting a security freeze on your credit reports so that the scammer cannot open up a new account in your name.  To do so, contact each of the three credit bureaus:

Cybersecurity best practices for the booming online and P2P lending space

The online lending industry is regulated by federal statutes, along with various state and local laws that lenders must abide by. But like any rapidly growing industry, the online lending marketplace isn’t without bad actors that try to operate outside the regulatory boundaries.

Assessing Your Inventory Management Needs

25 Tools That Help with Inventory Management for Small Business

Inventory Management Software: What to Look for

Free Restaurant POS System: Loyverse

NCR Silver

. The Best Cloud Based Restaurant POS System

How Much do Restaurant POS Systems Cost?

Gone are the days when restaurants were using cash registers at the point of sale. As opposed to a cash register, modern point of sale systems (POS) are built to do much more than just processing payments. In its functioning, a POS system is designed to link the restaurant’s back of the house, front of the house and even online ordering aspects into a single platform. This gives managers and owners a detailed overview of their business from a single screen. Additionally, the best restaurant POS systems will also make management a lot easier for you. In this regard, a good POS solution will automate the important management tasks, hence streamline communications and restaurant operations as a whole. This computerized solution is specifically designed to help you keep an accurate and real-time track of cash flow, sales, employee activities, customer data, and inventory. As such, these systems have been proven to simplify bookkeeping for restaurant managers and owners significantly.

Pricing Guide

Restaurant POS software is the backbone of restaurant operations. Key features include reporting and analytics, inventory management, food costing and marketing capabilities. These systems may also offer such specialized functionality as reservation management, food spoilage reporting and tip management.

10 Best Restaurant POS Systems

Super Bowl Restaurant and Bar Promotion Ideas to Get You Ready for Kickoff

However, some people might notice that if you run the numbers, the debt snowball isn't necessarily the most cost-efficient way to pay your debts, since your most expensive debts (those with the highest interest rates) might not be first priority.

The debt avalanche strategy involves aggressively paying off your debts — avalanching on them, if you will — starting with debt with the highest interest rates first before moving on, and make only minimum payments on the others.

Another way to pay off your debt is by using the debt avalanche method. This approach rearranges the order in which you pay off debt by focusing on the loans or credit cards with the highest interest rates instead of the lowest balances.

If saving money on interest is your priority, consider the debt avalanche method instead. The avalanche strategy requires you to pay off the debt with the highest interest rate first, rather than prioritizing the smallest balances.

Debt Avalanche

In the debt avalanche method, you pay extra money toward the one debt with the highest interest rate

This method gives you a more immediate feeling of victory, but it might cost more. Making only minimum payments on your highest-interest debt means you'll pay more in interest, as compared to the debt stacking method.

The one form of debt to exclude in your calculations, however, is your mortgage, as it’s typically considered a “good form of debt,” according to Frankel. That’s because it usually has a relatively low interest rate and is backed by an asset (your home) that should ideally appreciate in value over time.

Disadvantages of the debt snowball method

Advantages of the debt snowball method

The snowball way toward eliminating debt

The debt avalanche method prioritizes debts with the highest interest rate (instead of the smallest loan balance). It lowers your total interest costs and will make you debt-free faster, but may not give you those initial small wins to stay motivated

14. Where can I go to buy reliable cyber liability insurance?

9. How much does cyber liability insurance cost?

8. What to look for as a cyber insurance buyer

Do you know what cyber security risk is? It’s quite a new concept for business owners to get their heads around and it’s often overlooked by those who do not understand it fully. However, cyber-crime is a huge threat to most companies and it’s important that you protect yourself properly. One of the best ways to do this is to invest in a professional cyber liability insurance policy. 

Best Places to Buy Cyber Liability Coverage

Here are the factors that affect the cost of cyber liability insurance:

How Much Does Cyber Liability Insurance Cost?

some insurance companies also provide risk mitigation services to help you identify and avoid cyber threats before they happen. After a breach has occurred, some insurers will set up a hotline that customers and members of the public can call to get more information

Nationwide, together with Hartford Steam Boiler (HSB),

Won’t my general liability policy cover cyber liability?

A data breach can damage more than just your small-business computer system – it also can damage your reputation and put your customers and/or employees at risk. That's why cyber insurance can be a smart precaution for any size business.

Cyber Insurance Costs

Tips on Getting Affordable Cyber Insurance Coverage

Cyber liability insurance is a relatively new product, so the insurers who write the coverage tend to use their own forms. As a result, terms and premiums can vary greatly. We recommend getting quotes from at least three providers to ensure you find cyber insurance coverage this is both affordable and appropriate for your operations.

The primary factors impacting cyber insurance costs include:

Cyber Liability Insurance Costs

Cyber Liability Insurance: Cost, Coverage & More

A single data breach can cost you thousands of dollars in paying legal fees, investigating the incident, and notifying clients about the cyberattack, as well as the costs in downtime and restoring data. One breach could also do irreparable damage to your reputation.

But it’s also important to remember your digital assets. In today’s hyperconnected world, people rely heavily on the internet, and it’s imperative for business owners to embrace technology to maximize the way they operate to run as efficiently as possible.

How to Obtain Coverage

What To Know About Cyber Insurance

How do you determine the cyber insurance you need?

Topics to refresh and train on each quarter should include:

Your own employees (or users) are your largest risk because anyone — with or without technical skills — can exploit your systems. The technical term is "social engineering," and it works more often than people realize.

While completing overdue tax paperwork is never fun, it's the best way to reduce fees, dodge penalties or even score a previous year's tax refund. The longer you wait, the steeper fees and penalties you'll owe and the less likely you are to still qualify to claim a refund or additional tax credits for which you may have qualified. Having unpaid taxes may also prevent you from qualifying for a loan such as a mortgage or higher education loan. Unpaid taxes can also result in a levy on your wages or federal tax lien.

What you need to know about back tax returns

What Is a Tax Lien?

How to Have a Tax Lien Removed

How to Minimize the Effect of a Tax Lien

The IRS expects you to file and pay your taxes on time each year. When you fall behind with your returns, you put yourself at risk of steep fines and penalties and collection activities like wage garnishments or bank levies.

By definition, any tax that is left unpaid 60 days after it was due is considered “back taxes” by the IRS. When you file your tax return late, you’re charged interest on any unpaid balance. The late payment interest alone is up to 25%. You may also be subject to failure to file and failure to pay penalties. Read on to learn some helpful tips on paying back taxes.

Pay Your Business Back Taxes Before Applying for a Business Loan

Get the Right Documents to File Your Back Taxes

Tax Relief: How to Get Rid of Your Back Taxes

IRS payment plans

The Deadline for Sending Schedule K-1

Schedule K-1 also contains information about your ownership basis in the business. Ownership basis refers to the owner’s initial investment of assets and capital in the business. Basis goes up when the owner receives profits from the business and goes down when the owner takes a loss. Basis is important for determining an owner’s gain or loss when they sell their business interest and exit the company. If the ownership percentages don’t look correct, ask the person who completed the K-1 form to explain their calculations

When to File Schedule K-1

It is important to clarify that each partner should attach the Schedule K-1 form to their personal income tax return.

A pass-through entity is a business entity for which income, losses, credits, and deductions are reported on the owners’ personal tax returns

Which Schedule K-1 do I need: Form 1065 or Form 1120S?

How Do I Enter Schedule K-1 on My Personal Tax Return?

To clear up the confusion, remember that the way the business is taxed depends on the business type. A partnership is not taxed on its income; instead, the individual partners pay tax on their share of the income of the partnership, based on their Schedule K-1. The partnership does file an information-only tax return - Form 1065. 

Single-owner LLC's don't use a Schedule K-1 to report the income of the business. This business type uses a Schedule C-Profit or Loss from Business.

What is a Schedule K-1 Tax Form?

In addition, Congress raised the failure-to-file and failure-to-pay-tax penalties to $330 for this year. The amount will be adjusted for inflation in future years.

"We are projecting smaller increases for most inflation-adjusted amounts this year, as we expected, due in part to the use of the chained CPI to measure cost of living adjustments, and partly due to the slower rise in inflation overall," said Annabelle Gibson

Your First Look At 2020 Tax Rates: Projected Brackets, Standard Deduction Amounts And More

How to Pick the Right Bank for Your Business

than we asked for

Big, national banks may offer more favorable interest rates and a wider selection of products, but smaller banks often have a more compelling interest in promoting local business growth. These local banks may be more amenable to granting a loan when it’s needed most

Putting 20 percent down has a lot of benefits. However, saving enough money for a 20 percent down payment can be challenging, especially for first-time homebuyers. Buying a House? Sign up for our 2-week Get Homebuyer Ready boot camp. We’ll take you step-by-step through the entire homebuying process.Privacy Act statement Sign up And, the money you put into your home is not available for other things, such as emergency expenses or other savings goals.

How Much Down Payment Should I Put Down for a Business Loan?

Taking out a business loan could be just the opportunity your small business needs to grow, purchase new equipment, invest in real estate, or simply have working capital available on hand to manage the day-to-day costs of doing business. But how much down payment is needed for a business loan?

What Is a Down Payment?

How Much Should You Pay?

You have a right to see your credit reports and to dispute information that is inaccurate or should no longer be reported because of its age.

While credit bureaus provide some or all the credit information that creditors and lenders use to deny or approve your applications, the bureau itself does not make a credit decision. If you believe a decision has been made in error you can ask the business to reconsider or check your credit report to make sure there are no inaccuracies that affect your ability to get approved

Law Regarding Credit Bureaus