Viewpoint |
Immigrants are our neighbors, isn't that enough?


Most Americans still tell pollsters immigration is good for their communities and reject cruel deportations, especially those that separate families, target people without criminal records, or penalize people who came here as young children.

by Jocelyn Smith
      OtherWords

I recall seeing a sign in a yard in my small hometown of around 12,000 residents. “No matter where you are from,” it said, “we’re glad you are our neighbor.”

It was positioned defiantly, facing a Trump sign that had been plunged into the neighbor’s yard across the street. It poignantly illustrated the tensions in my rural Ohio town, which — like many similar communities — has experienced a rapid influx of immigrants over the last 20 years.

The sign’s sentiment was simple yet profound. I found myself wondering then, as I wonder now, when compassion had become so complicated. It seems everyone has become preoccupied arguing over the minutiae of immigration that they’ve missed the most glaring and essential point: We are neighbors.

Small businesses are the backbone of the U.S. economy, a truth so widely acknowledged that it bridges the ever-growing partisan divide.

While writing this piece, I gathered studies and prepared a detailed analysis of the ways immigrants have transformed and revitalized the economies of the Rust Belt. I was going to explain how immigrants have helped fill vacant housing and industry in this region’s shrinking cities to reverse the toll of population decline.

I gathered statistics showing the economic growth and revitalization that’s happened as immigrants have brought flourishing small businesses to their new communities. Like: Despite making up only around 14 percent of the U.S. population, immigrants own 18 percent of small businesses with employees — and nearly a quarter of small businesses without employees. (And immigrants in Rust Belt cities are even more likely to be entrepreneurs.)

Small businesses are the backbone of the U.S. economy, a truth so widely acknowledged that it bridges the ever-growing partisan divide. Both Vice President JD Vance and former Vice President Kamala Harris have promoted the critical role of small businesses in economic flourishing.

I was going to tell a story about Joe, a vendor at my local flea market. He and other vendors were heavily averse to migrants purchasing the dilapidated building from the previous owner. Now they laud the building’s new management and improved conditions.

I was going to describe the experiences of my recently immigrated high school peers, who sometimes fell asleep in class from sheer exhaustion after working night shifts at meatpacking plants and attending school for seven hours the next day.

I was going to explain why communities not only benefit from immigrants, but need them.

As immigration is expected to become the sole driver of U.S. population growth by 2040, restrictive immigration policies threaten to undermine this vital program, as a cornerstone of the American social safety net.

Without immigrants, I learned, U.S. communities would lose the nearly $1 trillion of state, local, and federal taxes that immigrants contribute annually. This number is almost $300 billion more than immigrants receive in government benefits.

Without immigration, the U.S. working-age population is projected to decline by approximately 6 million over the next two decades — a shift that would carry significant consequences, especially for the Social Security system. Sustained population growth is critical to preserving a balanced ratio of workers contributing to Social Security for every beneficiary receiving support.

As immigration is expected to become the sole driver of U.S. population growth by 2040, restrictive immigration policies threaten to undermine this vital program, as a cornerstone of the American social safety net. With broad public support for strengthening Social Security, embracing immigration is not just beneficial — it is essential to ensuring the program’s long-term stability and success.

I was prepared to comb through every dissent in an effort to prove why our neighbors are deserving of empathy and compassion. But none of these answers address the larger, more urgent question: When did being neighbors cease to be enough?

Most Americans still tell pollsters immigration is good for their communities and reject cruel deportations, especially those that separate families, target people without criminal records, or penalize people who came here as young children. My rural Ohio town, and countless communities like it, are slowly learning the most important lesson about this supposedly complicated issue: Compassion doesn’t need to be complicated.


Meredith Lehman


Meredith Lehman is a research associate at the Institute for Policy Studies. This op-ed was distributed by OtherWords.org




Business |
Restaurants, retailers face growing number of "friendly fraud" transactions


Friendly fraud presents a real and persistent challenge for modern businesses. Here's how businesses can protect themselves against this new deceptive practice.

Photo: Jonas/Pixabay

by Ben Robertson
The Sentinel

In an increasingly digital economy, one type of fraud is becoming a growing concern for businesses of all sizes—"friendly" fraud. Though the name suggests harmless intent, the impact can be anything but. For merchants, chargebacks can lead to lost revenue, extra fees, and strained relationships with payment processors. Fortunately, there are practical steps businesses can take to protect themselves.

Friendly fraud was first observed back in 2010. Before then, chargebacks categorized under fraud reason codes were generally rare and almost always indicative of genuine card fraud. Mastercard says: "Friendly fraud costs merchants over $132 billion a year – and that amount does not include the additional losses merchants absorb, like the loss of goods or services they ultimately refund."

Understanding Friendly Fraud
Friendly fraud occurs when a customer makes a purchase using their credit or debit card and later disputes the transaction with their bank. The reasons for these chargebacks vary—some claim they never received the product, others say they didn’t authorize the transaction, and some simply don’t recognize the charge.

Sometimes these disputes are the result of misunderstandings. A child may have made the purchase, or the buyer might not recognize the business name on their bank statement. But in many cases, the customer did receive the goods or services and is intentionally abusing the chargeback system.

According to WAND-TV, restaurants in particular have seen a noticeable spike in friendly fraud over the past three months. This is especially costly in an industry where margins are already thin.

"When this occurs, the restaurant is responsible for the original charge, and a chargeback fee,” WAND-TV reported. “Additionally, if there are enough chargebacks, businesses’ credit card processing fees increase for every order.”

Rick Carbaugh, General Manager of Sun Singer Restaurant in Champaign, told WAND-TV that his business has been hit hard in early 2025.


For merchants, the financial damage from friendly fraud extends beyond the lost sale.

“Ever since January, Sun Singer Restaurant has lost about $1,100 in chargebacks,” Carbaugh said. “We've had 11 chargebacks since January, which for comparison's sake, between 2021 and 2024, we had four chargebacks total.”

Carbaugh noted that most of the recent disputes stemmed from deliveries to student housing. Customers would often provide inaccurate phone numbers or email addresses, preventing the restaurant from contacting them. As a result, Sun Singer was forced to stop offering online payment and delivery altogether.

The Cost to Businesses
For merchants, the financial damage from friendly fraud extends beyond the lost sale. Businesses are often required to pay a chargeback fee, which can range from $20 to $100 per transaction. Too many chargebacks can raise red flags with credit card processors, potentially leading to higher processing fees—or even termination of merchant services.

According to industry data, friendly fraud accounts for a significant portion of all chargebacks. As e-commerce grows, the opportunities for this type of abuse increase.

Prevention Starts with Clarity
One of the most effective ways to reduce friendly fraud is to ensure that the customer clearly understands what they’re buying and who they’re buying from. Here’s how businesses can improve transparency:

  • Use recognizable billing descriptors.
    Many chargebacks result from customers not recognizing a company name on their credit card statement. Businesses should make sure their billing descriptor matches their brand or website name as closely as possible.
  • Clearly outline refund and return policies.
    Policies should be easy to find and written in plain language. Businesses that offer refunds or exchanges reduce the customer’s incentive to file a chargeback out of frustration.
  • Provide order confirmation and shipping details.
    Sending automatic confirmation emails and tracking information can help prove that a purchase was authorized and fulfilled.


amazon order
Photo: Hannes Edinger/Pixabay

Strengthen Internal Documentation
If a chargeback is initiated, having proper documentation on hand gives merchants a better chance of successfully disputing it. Key documents include:

  • Signed receipts or order confirmations
  • Proof of delivery, such as tracking numbers or delivery confirmation
  • Screenshots of product descriptions and terms at the time of sale
  • Communication logs with the customer

For digital goods and services, which are harder to prove as “delivered,” businesses should log IP addresses, account access, download timestamps, or user activity when possible.

Use Payment and Fraud Protection Tools
Technology can also play a vital role in preventing friendly fraud. Most payment processors offer tools for flagging suspicious transactions or verifying cardholder identity. Some of these include:

  • Address Verification System (AVS)
  • CVV verification
  • 3D Secure authentication (e.g., Verified by Visa)

While these measures don’t prevent all chargebacks, they demonstrate due diligence on the part of the merchant and may be considered favorably during a dispute.

Stay Proactive and Respond Quickly
When a chargeback is filed, time is critical. Businesses should respond promptly and provide clear, concise evidence to support their case. It’s also helpful to monitor chargeback patterns. If a particular product, region, or customer profile seems to generate more disputes, it may be worth adjusting how those transactions are handled.

Friendly fraud presents a real and persistent challenge for modern businesses. While no system is foolproof, a layered approach that combines transparency, documentation, and technology can significantly reduce the risk.


Upgrade your laptop to a new cutting-edge model for more power and poductivity

Photo: PEXELS

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Small business employ 44% of workers in Illinois, two laws set to expire will hurt if not renewed

by Terri Dee
Illinois News Connection

A large tax hike could appear soon, that would affect Illinois' small businesses still rebounding from the pandemic. One group hopes Congress will act before two bills expire, and the tax increase takes effect.

A small business advocacy group, The National Federation of Independent Businesses (NFIB) says one of them - the 20% Small Business Deduction Act - was created to align small business tax rates with those of larger corporate competitors.

The group's Vice President for Federal Government Relations Jeff Brabant said...

"It's difficult for small businesses to be able to compete with a lot of their larger competitors, and increasing prices isn't always a great option for them," said Brabant. "If you're an employee and you go to a small employer who may not have the money to be able to offer great benefits, versus a large employer who can offer those benefits, it's always going to put the smaller employer at a little bit of a disadvantage."

If Congress decides not to renew the 20% Small Business Deduction Act, Brabant predicted that 90% of America's businesses would face additional barriers to growth and hiring more workers.

According to the U.S. Small Business Administration's 2023 Profile report, Illinois has slightly more than 2 million small business employees - which account for 44% of the state's employees.

The other law up for review by the House is the Main Street Tax Certainty Act, which permits small businesses to deduct up to 20% of their qualified business income and make it a permanent deduction.

Brabant noted that the NFIB strongly supports both measures, which expire on December 31, 2025 - and have bipartisan support.

As the country waits to see the presidential election results, he said he believes the plight of small businesses should be the "number one issue" on Congress's mind.

"It shouldn't be a Republican or Democratic issue," said Brabant. "This should be 'small businesses are the foundation of the economy,' and I don't think anyone wants to see Main Street businesses have a tax hike."

Brabant said the organization is glad both presidential candidates have talked about small businesses, because these discussions don't always occur.

He said NFIB's focus is to educate and increase Congress' awareness, and he said he hopes they will act sooner rather than later.


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Keywords: Illinois small business tax increase, 20% Small Business Deduction Act, Main Street Tax Certainty Act, Small business tax reform 2025, Impact of tax hike on small businesses

Marketing your side gig, make a big splash with a small business shower

A shower can be a fun way to meet other small business owners, expand your client base, and celebrate a milestone with your business venture. Be creative and select a theme for your next small business open house.
Photo: Andrea Piacquadio/PEXELS

BPT - Starting a small business is no small feat. It requires vision, passion, dedication and an appreciation that your business is a vital part of local, national and global communities. Small and medium-sized businesses (SMBs) are the backbone of economies globally. According to the World Economic Forum, SMBs make up 90% of all companies and create nearly 70% of jobs and gross domestic products worldwide.

Considering the importance and impact of SMBs and the grit and determination it takes to establish your own, small business owners and gig workers deserve to be celebrated. One fun way many founders are commemorating this accomplishment is by throwing a "small business shower."

What is a small business shower?
Small business showers are celebrations that recognize the biggest milestone in an entrepreneur's career - starting or scaling a business. A shower brings together friends, family, colleagues and the broader community to help support and cheer on those embarking on a new career journey, whether they are an experienced business owner entering a new market or a "solopreneur" starting their first business. By offering encouragement, business connections or resources and perhaps even financial support, throwing a small business shower is a fun way to celebrate your accomplishments while preparing to propel your business forward.

Why should I throw a shower?
You may feel a little shy about throwing a small business shower. However, we throw celebrations for so many life events, from birthdays to weddings to baby showers. Why not recognize the hard work that goes into starting or expanding a business? If you're still unsure, consider how small business showers can create an impact beyond the business owner alone. By bringing together a community of friends, family and like-minded local business owners who can offer advice and encouragement, a network of powerful, collaborative, and supportive individuals is formed. These gatherings are a great reminder of how important it is to invest in each other's success and growth - and what can be accomplished when we do.

How do I throw one?
There's no right or wrong way to throw a small business shower. The event can be virtual, in-person or both. You can host the event at home, in your business space or at your favorite restaurant.

However you choose to throw your shower, have fun putting it together. Consider creating eye-catching invites, incorporating thoughtful decorations, making or catering food and setting up engaging games for your guests. Then, enjoy! And who knows? Maybe it will inspire someone you know to start their own business.

Take Nana Agyemang - CEO of EveryStylishGirl and contributing social editor at NY Mag and The Cut. She recently threw a small business shower for herself when she knew she needed a serious tech partner to bring her vision to life. By collaborating with HP, she was able to not only execute the perfect small business shower but also demonstrate the power of identifying the right partners to support throughout your business journey.

Finding the right partner to jumpstart your business
As you reflect on your business, it is important to think about how you're preparing for success and future growth. One of the most critical elements to ensure your success is finding the right partners from the beginning, especially when it comes to technology.

The right tech partner will understand the unique challenges and opportunities entrepreneurs face throughout their business journey, creating an environment where leaders can navigate any challenge and drive their business to success. In doing so, they can also empower SMB owners to celebrate their successes while providing premium, reliable and quality technology.

For instance, Agyemang was able to simplify the preparations for her shower with tech that made her vision come to life with the help of HP. She easily designed and printed high-quality invitations, vision board materials and decorations using her HP OfficeJet Pro 8135e printer and HP Spectre x360 14 laptop.

In the same way that SMBs need a community to support them, they also need the right business partners who believe in their potential. "It is so important to have a partner that will grow with you as your business expands," says Nana. "It's been great seeing brands like HP get involved in supporting small businesses and encouraging them to celebrate their wins."

Your accomplishments deserve recognition. Let these tips inspire you to commemorate these moments and bring your own small business shower to life.

To learn about how HP is supporting and celebrating small businesses here.


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Building an app can help you grow your business, here's how to do it right

man typing on a smartphone
Photo: relexahotels/Pixabay

StatePoint - In today’s world, apps are crucial for business growth and customer experience. They enable shopping, appointment setting and customer service interactions. In fact, around three-quarters of U.S. adults say they buy things online using a smartphone, according to Pew Research, which means if you don’t have an app for your business, you’re leaving money on the table. However, if building one sounds daunting, experts say there is good news -- artificial intelligence can help.

“AI enhances app development through code generation, chatbots, process optimization, content creation, user stories and prototype generation. Anyone, even with little to no experience, can quickly and cost-effectively develop an app using AI,” says Sachin Dev Duggal, founder and chief wizard at Builder.ai, an AI-powered composable software platform that allows every business and entrepreneur to become digitally powered.

Despite the relative ease of developing an app harnessing today’s AI tech, it’s nevertheless important to get your app right. With over 77% of users uninstalling an app within the first three days after download, according to WifiTalents, you’ll want to ensure your app provides your users with real value.

So, before building your app, first consider how it will help customers, and how it will help you solve your short- and long-term business objectives. Asking yourself these questions can give you clarity on the type of app you need, how you will fund and maintain your app, and how it will function.

When you are ready to begin development, here are the benefits you can anticipate by using AI to meet your objectives:

  • Rapid development: AI-driven platforms significantly reduce development time.
  • Unlimited customizations: AI app development platforms offer pre-built, customizable modules.
  • High performance: AI creates high-performance apps with fast load times and smooth user experiences.
  • Cost efficiency: AI reduces the need for extensive developer hiring, lowering costs.
  • Error reduction: Around 66% of software projects fail. The primary cause? Human error.
  • Seamless articulation: New AI technology allows you to speak directly with the development platform, enabling you to convey your ideas and instructions effortlessly, making app development more intuitive and efficient.

So, how do you actually use AI to build your app? In the case of Builder.ai, it’s as simple as following these simple steps:

1. Choose and customize a base template.
2. Review and finalize features.
3. Identify the app’s platform (Android, iOS, desktop) and build a timeline.
4. Establish a payment plan.
5. Match with a product expert for guidance.
6. Review and monitor the app’s progress.
7. Launch your app.
8. Leverage data from your app to optimize business.

To learn more about developing your app with Builder.ai, visit https://www.builder.ai/.

“AI automates repetitive tasks, code generation, bug detection and testing, resulting in shorter development cycles and reduced costs while maintaining high quality. By giving everyone, regardless of their tech knowledge the power to build applications, we’re removing the barriers that have traditionally stopped individuals and business owners from unlocking their potential,” says Duggal.

National Labor Relations Board issues new rule that is hailed a win for workers

by Brett Peveto
Illinois News Connection

CHICAGO - The National Labor Relations Board recently issued a rule change that may have wide-ranging impacts for workers and businesses.

The update to the joint employer rule would require parent companies to negotiate collective bargaining agreements with employees even when using a staffing agency or subcontractor.

It also means franchisors and franchisees can both be held liable for unfair labor practices.

This replaces a Trump-era rule change that made it easier for companies to avoid a finding of joint-employer status.

Brian Petruska - general counsel with the mid-Atlantic regional organizing coalition of the Laborer's International Union of North America - said the rule change is a win for workers.

"It means that the employees' right to organize still is meaningful," said Petruska, "even in this modern world we live in with layers and layers of LLCs and corporations who are now defining the workspace."

The rule change now faces legal challenges including from the U.S. Chamber of Commerce, which filed suit against the board in federal court.

In a statement on its website, the Chamber says the rule change will "create chaos and more legal confusion that will harm both employers and workers."

The NLRB rule establishes that two or more entities may be considered joint employers of a group of employees when more than one entity possesses the authority to control employees' essential terms and conditions of employment.

The board says this change is more in line with established common-law agency principles.

Petruska said he sees opposition to the updated rule coming from a number of industries including restaurants, construction and hotels.

He also said the franchise business model will no longer insulate the parent company from labor issues.

"Now," said Petruska, "the fact that they have that control may cause them to be embroiled in local labor disputes that the franchisees are having with their employees."

The new rule will go into effect next February.

Business | Solid advice on how to attract top-tier employees for your small business

Photo:Mina Rad/Unsplash
StatePoint Media - As most business owners know, one of the most valuable assets your enterprise needs to thrive is top-notch talent. Thanks to the University of Illinois, a world-class university in the community, Champaign-Urbana has a large pool of educated, strong candidates available.

With one in four U.S. adults currently looking for a new job, the right people are out there, it’s just a matter of connecting with them. According to CareerBuilder, here’s how to make your company attractive to job seekers and how to leverage tools to find them:

• Make room for growth: A recent survey from CareerBuilder and Morning Consult finds that when it comes to what’s most important to job seekers, it’s “good salary/benefits and interesting work.”

Give potential employees confidence that working for you will allow them to take care of their finances, provide for their families and do work that they are proud of.

Before posting the position, first seek out industry insights to ensure your compensation package is competitive.

Also ensure that you’re offering a clear path for growth. During the interview process, let candidates know that if they are hired, you will invest the time and energy in seeing them develop professionally.

"Employers must get creative in their approach to skill development and training as a way to fill the existing skills gap and accelerate promotions," says Kristin Kelley, chief marketing officer, CareerBuilder.

• Find your purpose: A people-oriented, purpose-driven work culture can help you not only attract great job candidates, but retain employees.

"Companies with a powerful mission, who also value their employees will stand the test of time. Creating an environment where people can thrive is equally important," says Kelley.

• Be flexible: If the nature of your business allows for it, consider embracing new technologies that allow you to implement flexible work experiences, such as remote or hybrid work. Giving your employees the option to work from home is a key benefit that will attract talent, plus it could potentially broaden your pool nationwide or even internationally.

• Turn to easy-to-use hiring platforms: Finding the best fit for a given position can be extremely labor-intensive and time-consuming. However, hiring software featuring industry-leading technology can make the process much smoother and more efficient. For example, CareerBuilder offers recruiting solutions that allow you to target your ideal job seekers with custom campaigns, build your talent pipeline, and source and screen candidates in a fraction of the time. The platform allows employers to quickly create highly visible job postings in one central hub where 140 million resumes and social profiles reside, search for job candidates 50% faster and reduce the overall hiring time by more than 30%. For more information, visit hiring.careerbuilder.com.

Talent acquisition is just one of a business owner’s many priorities. With the right mindset, strategies and tools, you can attract the best candidates for your business and bring them on board quickly.


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The perfect side gigs to get you through the next pandemic or economic downturn
As much as we would like to think it is, the COVID-19 pandemic is not over, even though most countries and aspects of life are returning back to normal. Facing the facts, the way we work and live has changed forever. In many respects, ...

Does your business qualify for the ERC Federal Assistance Program?
The strength of the country relies on its estimated 33.2 million small businesses, which comprise 99.9 percent of all American businesses. COVID threatened, and in some cases forced, the closure of many small enterprises ...

The perfect side gigs to get you through the next pandemic or economic downturn

Business woman working from home
Some side gigs are better than others. There are five that standout for people who need or want to work from home.
Photo:Bruce Mars/Unsplash

Night deliveries can be a perfect solution for people who work long shifts at home and need something past bedtime.
SNS - As much as we would like to think it is, the COVID-19 pandemic is not over, even though most countries and aspects of life are returning back to normal. Facing the facts, the way we work and live has changed forever. In many respects, the pandemic has brought a new level of financial insecurity that might never ever fully go away.

Thousands of people were laid off in the last couple of years thanks to the global pandemic. For many, their earnings have been significantly reduced or put on pause. This increased the need to look for alternatives to full-time jobs and ways to earn money from home.

If you are looking for a side hustle rake in extra cash when you can’t go to the office, here are five pandemic-proof side gigs that will inspire you to jump into multiple income streams and make ends meet during the next pandemic outbreak.

Step up the delivery game

With people staying at and doing more from home than ever, the number deliveries on a daily basis has increased drastically. Nearly everything - food, drinks, medicines, and even building supplies - can be delivered to the customer's front door.

Personal delivery services are pandemic-proof

Kindel Media/PEXELS

Use this opportunity to step up the delivery game, and instead of joining big companies such as Uber Eats or Door Dash, go for something out of the ordinary.

Carefully research local delivery trends in your city. Look to see if there is a need for something else. Night deliveries can be a perfect solution for people who work long shifts at home and need something past bedtime. Plus, after hour deliveries are billed at a premium, too, so you can earn quite a bit of cash this way.

Sell and rent things you don’t need

Spending more time at home probably gave you time to clean up your home and eliminate the items you no longer need. You should consider selling some of these items and earn some extra money.

Also, renting excess stuff or space in your home is a great way to earn more without making a big commitment.

For example, people living in big cities often have storage issues in their homes. City dewellers are always looking for more space, and renting out space in your storage unit, shed, garage, or basement might be a low-stress way to bring in extra cash without having to really work at it .

Have an RV? Rent by the day, week or even month to people who love to travel. If you have a truck, you might rent out for a day to someone is moving to a new apartment or home.

Renting is a great side hustle because it is a relatively passive income, makes money from things you don’t use, and is incredibly versatile. You can rent almost anything – just be sure to market it correctly.

Become a content writer

Put those good grades in English grammar and information from all the books you have read for school or pleasure to work. It has never been a better time to be bookworm.

All sorts of websites and companies are looking for good writers to develop and provide content for their online platform. Writers who are creative, good with words, and can produce work on deadline will find no shortage of opportunites. Even working part-time, you can earn hundreds of dollars creating online content.

Photo: Alexander Grey/Unsplash

Concentrate on niches you are familiar with to make it easier to do research for you articles and write pieces quickly. And, who knows, this might become your full-time job!

On top of that, content writing is a career you can easily work from home at your own pace. It is one of the best pandemic-proof side gigs! All you need is a computer and an internet connection.

You will also need a place to work where you can focus. Create a writing nook or home office to help you stay away from noise and other distractions.

Virtual assistant – helps others be organized and efficient

If your old job was not the right place to show your organizational skills, punctuality, and creativity, this one might be the right for you. Working as a virtual assistant is a perfect way to demonstrate superior multi-tasking and problem-solving skills while helping others run their businesses smoothly or deal with significant life events organization.

While you can help a business owner deal with time-consuming, repetitive tasks such as managing calls and emails, you can also help people organize events such as weddings or even relocating to new cities.

Let’s say someone needs to move a big household without taking a break at work – you can step in and assist them with the packing organization, hiring a moving team, and other tasks, and show them they can stay productive during the move even when there is a lot on their plate.

Remote tutoring

Another pandemic-proof side-gig you can do with almost any skill you are good at is online tutoring.

The internet has given us the power of live communication, making it easy to teach someone the same way you would in person, so use this to your advantage and earn some money. You can teach kids, older students, and adults – just pick a skill or subject you are really good at and be ready to share your knowledge.

However, tutoring is not something everyone can do. You will need a lot of patience and excellent communication skills, not to mention the ability to adapt to different styles and paces of learning for your students. If you have a skill that is ready to share with others, this is the right side gig for you.

Indeed, the COVID-19 pandemic has caught the business world off guard, and many people struggled to make ends meet. A lot of Americans still have not recovered to pre-pandemic financial health.

This era brought many financial, physical, and mental health issues that we must deal with for years to come. With these pandemic-proof side gigs you can continue to earn money, explore your creativity, skills, and possibilities and feel better about yourself.

Staying at home during a pandemic can be challenging. Finding a way to keep moving forward and working is essential to your mental health and helps to keep anxiety and depression at bay. Throwing yourself into a new opportunity is a great way to develop an always-adapting mindset that will help you overcome hard times, such as job loss, and use your skill set to take advantage of the situation.

Tutor holds study small study group
Photo: Brooke Cagle/Unsplash
Tutoring online or in-person to help others succeed is a fun and rewarding way to earn money during a pandemic or whenever you need to make extra cash.

Does your business qualify for the ERC Federal Assistance Program?

Photo: StartupStockPhotos/Pixabay
StatePoint Media - The strength of the country relies on its estimated 33.2 million small businesses, which comprise 99.9 percent of all American businesses. COVID threatened, and in some cases forced, the closure of many small enterprises and tens of thousands are still reeling from the aftermath of the full pandemic.

In an effort to offer some relief, the federal government created the Employee Retention Credit (ERC) Program under the IRS that has already helped thousands of qualifying businesses receive up to $26,000 per employee. Unfortunately, not enough small business owners are aware of the program. Others don’t think they will qualify, leaving billions of dollars on the table that could help them recover and continue to move forward.

Companies such as ERC Helpdesk, www.erchelpdesk.com, have been created to help small businesses determine their qualifications and navigate the ERC program. Now is the perfect time for business owners around the country to see if they make the cut.

A small business can receive an ERC even if it received PPP. The program is flexible enough that most businesses will likely be eligible. The average claim is $150,000, but there is no cap on the amount.

"I was the owner of a marketing business that assisted dozens of small business owners so I witnessed firsthand the challenges and sweat equity involved in taking such a big risk," said ERC Helpdesk chief marketing officer, Greg Ross-Smith. "Our founder was and remains a small business owner himself who was initially told his businesses would not qualify for an ERC and there was nobody he could find to make sense of the program. When he finally learned about the program details and what the actual qualifications are, not only did he apply and receive funds, he decided to create a way to assist other small business owners in taking advantage of the funding available for their businesses."

Here are the basics to see if you qualify:

• Your business is based in the United States.

• You retained and paid W2 employees during 2020 and 2021.

• Your business was impacted by COVID restrictions in one or more of the following ways:

1. Loss of revenue

2. Supply chain disruptions

3. Full or partial shutdown of your business

Now a growing industry, ERC companies are popping up all over so be wary about who you work with. Ideally, try to work with a company you know, or at least one that understands the needs and inner workings of a small business. Often, it helps to work with a smaller sized ERC business that’s accessible and that will work with your submission on a one-on-one basis. Bigger isn’t always better in this industry. Of course, partnering with a company that maintains a high approval rate for its clients is a critical point of measurement as many companies can waste your time and get your hopes up by simply submitting anything knowing the chances of success are slim. Finally, to the degree you can determine it, try to work with a company that will process your application as quickly as possible while focusing on reducing errors that can delay the process.

"So many small businesses are built organically with the participation, support and hard work of family and friends. As a result, we understand the investment of time, resources and relationships that go into every business we work with," said Ross-Smith. "In the ERC business, integrity, trust and customer service rule and that’s what I’d urge all applicants to consider in navigating their eligibility for the program. Our only goal is to help them qualify and then maximize their efforts and amount of compensation they receive."


7 big mistakes small businesses can't afford to make

Photo: David McBee/PEXELS
Running a small business often means wearing many hats. From accounting to marketing and everything in between, it can be difficult to know all the ins and outs and to always make the right decision. Here are seven mistakes to avoid in order to turn your new venture into a big success.

No Business Structure

When you start as a solopreneur, you may be tempted to forgo all the legalese and just work on launching your product on the market. But not choosing the right business structure and not registering as the right business entity can end up hurting you in the long run.

For example, When it comes to incorporating a business, there are two main options: an S corporation (S corp) or a C corporation (C corp). You need to understand the S Corp vs C Corp pros and cons, so it's important to do your research before making a decision.

Photo: Andrea Piacquadio/PEXELS

One key difference between the two is that an S corp has pass-through taxation, meaning that profits and losses are passed directly to the shareholders, who then report them on their personal tax returns. A C corp, on the other hand, is taxed separately from its owners. Another notable difference is that an S corp is limited to 100 shareholders, while a C corp can have an unlimited number of shareholders. This can be important if you're planning on expanding your business in the future. When it comes to raising capital, a C corp has an advantage because it can sell shares to the public. However, this also means that there is more paperwork.

Ultimately, there is no right or wrong answer when it comes to choosing between an S corp and a C corp. It depends on your specific business needs and goals.

No Business Budget

For small businesses, keeping track of where the money is coming and going is critical. It will help you separate your personal and company finances, see how much your company is making, and establish what your fixed and variable costs are. Without a budget, you can’t set spending goals or run financial projections to attract potential investors or partners, which will hinder business growth.

No Marketing Plan

So you have a great product, but what good is it if no one hears about it? Without a strong advertising and marketing plan in place, you won’t be able to reach out to your target audience and ultimately generate sales. Failing to do some market research, analyzing what your competition is doing, and forecasting industry trends will prevent you from creating effective ad campaigns that will resonate with potential customers.

No Social Media Presence

It’s not just the kids doing it anymore; in today’s digital world, every business is online, posting content and engaging their followers on various platforms. This is where you showcase your brand and create sales funnels. You can also use social media to join groups and share your expertise, putting yourself out there for all the world to see. Keeping your content useful, relevant, and timely will also help you gain more customers.

No SMART Goals

Setting specific, measurable, attainable, relevant, and time-bound goals will help you steer your business in the right direction. Without SMART goals, you won’t be able to clearly see the end result, and you’ll be left wondering if your company is performing the way it should. Short-term goals are great to help you stay on track and motivated so that you can reach your long-term goals and turn your budding company into a big success.

No Legal Guidance

You may be a do-it-yourselfer in most areas of your life, but when it comes to your business, make sure you consult with experts and professionals to avoid costly fines and penalties. Not filing the proper paperwork with the state, or failing to register your business and paying the fees and taxes required to be in compliance, could lead to huge penalties and even put your company under. Consulting a business attorney may cost you upfront, but their expertise will definitely spare you troubles later on.

No Time for Fun

As excited as you may be to launch your own venture, make sure to carve out time for self-care once in a while. Too many entrepreneurs end up suffering from burnout because they don’t think they can afford a day off. But in order to refuel and spark your creative juices, you need to step out of the office and enjoy some downtime once in a while.

Owning your own business can bring you great freedom, but make sure you avoid pitfalls and take the necessary steps to keep it successful. Don’t hesitate to get expert advice, and hire professionals to fill in potential gaps. Your company will keep thriving, and you’ll enjoy running it.


Courtney Rosenfeld started Gig Spark to be a resource and the first step for people who are looking to join the gig economy, either to supplement their income or as a way to fulfill their dreams of becoming an entrepreneur.

If you want that side gig to be a success, you need a solid plan

Photo: Desola Lanre-Ologun/Unsplash

NAPSI -- Congratulations! You’ve decided to start a business — you’re about to embark on an exciting and challenging journey. Before you dive in headfirst, however, it may pay to take time to understand how to start a business the right way and what it takes to make your new gig, be it a side one or fulltime, a total success.

Here’s Everything You Need To Know About How To Start A Business

Whether your startup is creating something new in the marketplace, improving upon an existing product or anything in between, founders need three key elements to get started. When you’re ready to kick off your startup, be prepared with the following:

1. A Clear Understanding of Your Purpose: Why are you embarking upon this business venture? And why now? Get clear on your WHY. It may seem obvious but if you don’t understand why you’re starting your business, neither will your customers.

Your WHY should reflect your business’ purpose—its reason for existence. For example, maybe you recognized an unmet need in your community or perhaps you improved upon an existing product. It’s important to be clear about the intention of your business and the value you provide to customers.

2. A Business Plan: Would you go on a road trip without a map? The answer is probably no. You need directions to get where you’re going. The same rule applies when starting a business.

With a business plan, you can plot a course from startup to success. Plans typically include:

  • A summary of your business, including the product or service you’re selling, your mission statement and current team members.
  • A breakdown of your product or service, including what makes it viable in your market.
  • Market research that demonstrates an understanding of your industry and your competition. Research your biggest competitors to understand what makes them successful.
  • A SWOT analysis that delineates your business’ strengths, weaknesses, opportunities and threats.
  • A compelling marketing strategy that illustrates how you’ll attract and retain customers.
  • Financial projections that show potential investors the viability of your business. Include a financial forecast for the next one, five, or even ten years.
  • As you work through your business plan, check out SCORE’s Startup Roadmap. It offers a step-by-step online guide to help you create a thorough plan for your new business.

    3. A Strong Support System: Your business is more likely to be successful with a support system. Surround yourself with people who can offer guidance, encouragement and constructive criticism.

    That may be friends or family who have a strong understanding of your market, experience running a business, or members of your professional network willing to give you their time and perspective.

    Identifying a mentor is one of the best moves an entrepreneur can make. And the reasons are well-founded. Small business clients who receive more than three hours of mentoring report higher revenues and increased business growth, according to SCORE data.

    Mentors are often business professionals with experience operating a healthy business who can guide you through your entrepreneurial journey. They act as a sounding board as you grow your business, connect you with resources and provide advice when you hit bumps along the way.

    As you prepare to launch your business, SCORE can connect you with a mentor to help you along your journey. With expertise in all aspects of starting and growing a business, SCORE mentors can guide you to resources and tools that can help you succeed.

    To learn more or find a find a mentor, visit www.score.org/find-mentor.

    Illinois contractors and builders oppose HB 5412, it will harm small businesses

    SPRINGFIELD -- Opponents say a proposed amendment by House Leader Marcus Evans (D-Chicago) that passed the House Labor Committee back on February 16th is terrible for female and minority-owned businesses, as well as union and non-union construction firms in Illinois.

    As written, the amendment to HB 5412 would require general contractors to pay the wages of a subcontractors’ employees, even if the prime contractor has already paid the subcontractor in full. However, those opposed to the bill say the measure would do the exact opposite.

    "Opponents feel it would do nothing to prevent Wage Theft, but only encourage it by allowing rogue subcontractors to get off the hook by not paying their workers," states a press release from Black Contractors Owners & Executives/Hispanic American Construction Industry Association this week. According to the release, payment for wages will become "the responsibility onto the prime contractor, while allowing these bad apples to move onto the next job and underbid legitimate contractors since they have no payroll costs."

    The Federation of Women Contractors, an advocacy organization that protects the interests of women-owned construction firms said that should HB5412 passes, it would be damaging to her members and result in many of them going out of business.

    "For our members who are small businesses, any increase in cost has a catastrophic impact on the financial health of their companies and their ability to compete in the marketplace," said Jaemie Neely, Executive Director for the association. "We oppose HB5412 because it would not prevent or deter unethical subcontractors from stealing wages from their employees but rather the bill would expose general contractors to a risk of having to pay twice for wages and we think our alternative amendment is a much better solution."

    Fourteen other professional organizations, from the building industry to mechanical contractors, are fighting the proposal that has the backing of the Mid-America Carpenters Regional Council.

    The Associated Builders & Contractors, Black Contractors Owners & Executives, Chicago Chamber of Commerce, Chicago & Downstate Roofing Contractors Association, Chicago Area General Contractors, Hispanic American Construction Industry Association, Home Builders Association of IL, IL Chamber of Commerce, IL Chemical Industry Council, IL Construction Industry Council, IL Manufacturers Association, Il Mechanical & Specialty Contractors Association, IL Road & Transportation Builders Association, and the Women’s Construction Owners & Executives are against HB 5412.

    Jacqueline Gomez, Executive Director of Hispanic American Construction Industry Association said HB 5412 would lock out future entrepreneurs from the construction industry and increase the costs for clients. "Punishing good companies for a few bad apples is a bad idea."

    The committee asked the sponsor for additional revisions before HB 5412 goes in front of the house for a final vote.

    Online platform helps indies and gig workers take control of key aspects of their venture

    NewsUSA -- Even before the COVID-19 pandemic swelled, the ranks of work-from-home employees, freelancing was on the rise as workers across a range of fields sought more flexibility and control over their work lives, enabled by the latest advances in technology. In 2020, there were 59 million people doing freelance work in the United States. This is an increase from 2014, when there were about 53 million people freelancing according to Statista, a leading provider of market and consumer data.

    The demonstrated success of working remotely means that independent workers will be key to the future of work, even as many people return to in-person office settings.

    To thrive both professionally and personally, independent workers need support and tools to promote their skills and manage their business.

    New app helps independent workers and freelancers stay organized and in contact with clients.
    Photo: Yan Krukov/Pexels

    An online platform known as Indy provides these features and more. Indy offers a complete productivity suite that helps independent workers take the management of their businesses to the next level, with tools and guidance for creating contracts, generating invoices, and everything in between. Additionally, their blog, The Independent Worker, is focused on addressing topics of interest to freelancers, ranging from business development to managing burnout.

    "We proudly empower today's 'Indies' - including solopreneurs, freelancers, consultants, contractors, microbusinesses and side hustlers - to streamline the most time-consuming parts of operating their businesses. We help them work smarter, get paid faster, and thrive," says Sebastian Gyr, CEO and co-founder of Indy.

    The Indy app offers freelancers a suite of tools designed to help them own three key aspects of their business: :

    • Marketing. Indy provides templates for proposals, project briefs, and profiles to help you organize your pitches, and showcase your unique skills.
    • Organization. Time tracker and task management tools help you keep everything organized, and Indy also offers a chat feature that freelancers can use for quick communication with clients.
    • Business management. Templates for legally-binding contracts and non-disclosure agreements take a lot of the effort and stress out of contract creation, so you can get right to work and invoicing tools will let you quickly and easily send highly professional invoices to the client directly to be paid either electronically or the old-fashioned way - via a check in the mail.

    Indy takes pride in empowering an inclusive and diverse community of freelancers, including the LGBTQ community, Black Americans, BIPOC, and workers with disabilities, who are often underserved in the workplace despite the recent rise in equity initiatives. Leaning into these tenets, Indy recently launched a new, digital series called 'Miss Independent' featuring a Black drag queen who offers short videos commenting on freelancing and the freelancing life.

    "We're spotlighting what's currently missing for today's virtual workforce and are boldly embracing the opportunity to drive conversations and narratives around equitable pay, diversity, and inclusion, by enabling the success of all workers, especially those from underserved communities," according to the company.

    "We celebrate the uniqueness of those human beings that we serve by providing the products, services, space, and the megaphone for them to be their authentic selves, shine, and thrive."

    Visit weareindy.com for more information and to create an account for free.

    Guest Commentary: Can you imagine what it would be like if American truckers went strike?

    by Glenn Mollette, Guest Commentator


    Grocery store shelves are not like they used to be. Before the pandemic there was plenty of whatever we typically wanted. It’s not like that today.

    Car dealerships have changed. Before the pandemic most dealers had plenty of new and used cars to sell. We were accustomed to browsing several lots as we shopped and compared models and prices. It’s not like that today.

    When you needed your car fixed, parts were readily available or just an overnight order away. Today, you might wait three or four months for a part.

    I recently looked into adding an additional heating unit to my house and was told, "Order it now and you might have it by summer."

    A friend of mine ordered a small boat last August with the hopes he will have it by May or June this year, maybe.

    The pandemic has changed our lives in more ways than sickness and death. The new normal is having to wait longer on what used to be so available.

    If you think America’s products, food and merchandise are difficult to get now, then can you imagine if our American truckers all went on strike?

    Canadian truckers have recently blocked the flow of goods into the United States. The protest follows rallies over opposition to COVID-19 mandates in cities across Canada. In a show of solidarity with a demonstration in Ottawa that has gone on for more than a week by the so-called Freedom Truck Convoy. The protests have paralyzed the Canadian capital’s business district and led the mayor to call for 2,000 extra police officers to quell the nightly demonstrations.

    Several people involved in the protest Tuesday in Canada said the demonstrations had expanded from its original purpose, opposing mandates for cross-border truck drivers, and were there in opposition to all vaccine mandates, in addition to supporting truck drivers, the Windsor Star reported.

    "Any delay or disruption in the supply chain creates problems, not just for agriculture but the state economy," said Chuck Lippstreu, president of the Michigan Agri-Business Association, which represents businesses that support farmers, early in the closure.

    The Canadian Vehicle Manufacturers’ Association, which represents the Detroit Three automakers, called for an end to the protest, citing its effect on the country’s economy. (NNY.360.com)

    If the American truckers stopped driving today, the grocery stores would dry up and the movement of most everything you would want or need would not be available.

    Truckers work hard. They have long hours. They sacrifice a lot by being gone so many hours, days and weeks. They deserve whatever they are paid and I’m sure in many cases are deserving of more. However, to our truckers, I have this request, please help us keep this country moving. We have enough problems in this country. A shut-down of any kind by America’s truckers would create severe hardship on the people everywhere in America.

    We respect you. We appreciate you. We need you to keep this country moving. Furthermore, God bless you for what you do.


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    Dr. Glenn Mollette is a syndicated American columnist and author of Grandpa's Store, American Issues, and ten other books. He is read in all 50 states. The views expressed are those of the author and are not necessarily representative of any other group or organization.

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    This article is the sole opinions of the author and does not necessarily reflect the views of The Sentinel. We welcome comments and views from our readers. Submit your letters to the editor or commentary on a current event 24/7 to editor@oursentinel.com.


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    K-Tels, Mango Pods along with Sean Kutzko & Friends play at the Rose Bowl this week

    The Rose Bowl Tavern is the quintessential and longest-running entertainment hotspot in downtown Urbana. Open since 1946 and under new ownership since 2019, the bar now offers live shows across several genres. While you may catch a country or Bluegrass performance a couple of times a week, the Rose Bowl now offers regular jazz shows, jam sessions and a comedy open mike night. Located at 106 N Race Street, there's plenty of free parking after 5pm in the city lot just outside the side entrance on the north side of the building.

    Here's this week's live entertainment line-up:

    For more information on upcoming shows, special hours and promotions, visit their website at www.rosebowltavern.com and on Facebook at @RoseBowlTavern.

    Commentary: It's been a year now, when we do get back to normal


    by Hilary Gowins, Vice President of Communications
    Illinois Policy


    Most people have spent the past year wondering if and when we’ll get back to normal.

    Denetta Flamingo is busy dealing with a new normal. It’s one that cost her the home where she raised her children. It’s taken other assets. Those sacrifices have kept her small business alive.

    Still, the dream she invested everything in – Ottawa Nautilus Fit24, a gym in Ottawa, Illinois – is up for sale.

    "I’m doing the best I can," she said. "Today I’m at the gym and a regular customer who had not been here since March of last year came in. Everyone was in tears. He has M.S. and came in for me to fix his phone and feel the gym out with the new rules. Although I have stayed in touch with him and many others that still haven’t returned, just having him here and seeing him to make sure he was OK means so much. We are a family – new members and old members. We help each other, whether it’s fixing a phone or just lifting each other’s spirits."

    The weight of COVID-19 mitigation crushed the small business sector in Illinois. Owners like Denetta Flamingo sold off equipment and other assets to try and remain solvent.
    Photo by Victor Freitas/Unsplash


    Nautilus Fit24 has been in business since 1974. Denetta began working at the gym in 2009 and purchased it in 2014 when the previous owner left Illinois.

    "How can you let a business that’s been around that long go under?" Denetta said. She’s fighting to keep the gym open, even if that means it’s under new ownership. "A new owner will have the funds to bring this gym back to its prime."

    Continuing to fight means struggling. Denetta has been steadily selling off equipment and personal items during the pandemic just to pay her bills. She ultimately had to leverage the equity on her home of 30 years by selling it to keep the business open. She was denied state grant money. She wasn’t eligible for federal Paycheck Protection Program money, either.

    There’s a hole in Illinois’ economy. Denetta has been trying to fill her portion with heart and hard work.

    Over 11,200 retailers in Illinois were forced to close up shop last year.

    Small shops were hit the hardest – 35% of small businesses have closed in Illinois as of March 3, compared to Jan. 1, 2020, according to data from The Opportunity Insights Tracker.

    Those retailers represent jobs on a large scale – small businesses have traditionally created the majority of new jobs each year in Illinois. And the loss of these businesses carries worrisome implications for the state’s workforce and its economic recovery more broadly.

    So what happens next? How many of the small businesses left standing will survive in the long run?

    The short answer is, 2021 will still be a grind.

    "With each day that [the government] lets us open up, it is looking better and the weather has been very cooperative," said Kristan Vaughan, who operates Vaughan Hospitality Group, with six Irish pubs across the Chicago area.

    It used to be seven pubs.

    "We closed one location permanently and are maximizing PPP and Employee Retention Credit, but Illinois still tries to beat the small business when they are down with the property taxes, fee hikes and more," she said.

    Those cost burdens are what Illinois needs to get under control. Otherwise, any bounce-back small businesses make will be hindered and likely continue to lag the rest of the Midwest. In Illinois the leisure and entertainment industry, which includes restaurants, lost jobs 61% faster during 2020 than the nation as a whole.

    These numbers are a huge problem for Illinois: the people who live and work here, as well as the politicians tasked with running the state. Small businesses are the main job providers in the state – 69% of all new jobs created in Illinois come from firms with fewer than 20 employees.

    The pandemic has affected everyone, but the economic fallout has been especially devastating for specific groups. In addition to retailers, restaurant owners and other small business owners, women, working mothers and Black Illinoisans suffered the worst in terms of job losses. So did low-income families – 36% of workers in households earning less than $40,000 lost jobs.

    COVID-19 is the reason for devastation of this magnitude. But it’s important to acknowledge that Illinois had been lagging the rest of the country for years on economic gains and opportunities for the people who call the state home, as well as for the people who used to call it home.

    If you do what you always did, you’ll get what you always got. If Illinois doesn’t change, it’ll mean more public debt: which drives higher taxes, a decline in services and more people leaving. It’ll also make the odds even longer for business owners trying to survive.



    Hilary Gowins is vice president of communications at the Illinois Policy Institute, a nonpartisan research organization that promotes responsible government and free market principles.



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