How Content Can Drive Traffic and Sales


Content marketing is part of a broader digital marketing strategy which means it should be helping your site gain targeted traffic and conversions. Sadly, lots of businesses out there either neglect content strategy completely (and simply don’t create content) or, which is arguably worse, create content just for the sake of creating content: There’s no well-planned traffic or conversion generation plan behind publishing new content. This article will help you fix both: Here’s an overview of ways to use content to drive traffic and sales:



Traffic Driving Channels

When it comes to content, there are three main traffic-generating channels:

  • Organic search
  • Social media
  • Referral (other sites linking to you)

Let’s take a look at each of these channels in a bit more detail:

Driving traffic from organic search

Organic search remains the “best” source of traffic for several important reasons:

  • It can be a fairly steady source of traffic (build once, see it coming for several months without additional effort)
  • It is highly targeted: People were actually searching for the information you are covering

Google remains the primary traffic driver in the world:Google as traffic driver Source: sparktoro.com

No other traffic source is so effective. And no other traffic source is so challenging. Building traffic from Google basically comes down to two main tactics:

  • Increasing your positions for your relevant search queries
  • Ensuring your search listing gets clicked

To quickly cover each one: Increasing your positions for your relevant search queries This is the major goal of search engine optimization: Identifying relevant keywords (which also serve as content ideas) and coming up with ways to get your content ranked for those search queries. Two tools I am mostly using to research keywords and create high-ranking content are:

  • Ahrefs: I love their Keyword Explorer feature that offers lots of filters allowing you to find relevant questions and related queries that are in high demand, yet have a doable organic competition.
  • Text Optimizer: Once I know my target keyword, I run this tool to find more concepts and questions to cover in my content. This semantic-analysis-based tool allows you to create more in depth content including a wider range of related topics:

Text Optimizer Ensuring your search listing gets clicked Organic search results have become so diverse and visual that it is not easy to get clicks, unless you rank #1 (which, as you can imagine, is quite a crowded position). Thankfully, we do have some impact on organic listings and what they look like:

  • Obviously, focus on your content headline: It should stand out, possibly include numbers and/or a CTA
  • Consider using FAQ Schema to get Google to show a rich snippet including questions – answers. In some cases, you will be able to use other types of schema like Recipes and Event Schema
  • Pay attention to your branding: Google shows your domain (brand name) and your logo (favicon) in mobile search results making your brand identity part of your CTR strategy.

Mobile SERPs Namify is a nice tool to help you with that if you’re struggling. It will find you a great clickable brand name and create your visual identity. It is a cool tool if you are starting a site or looking to better define your brand identity: Namify

Driving traffic from social media

Generating social media traffic is somewhat easier than building traffic from Google but chances are those clicks won’t be so effective in terms of on-page engagement and conversions. Social media marketing is often interruptive. People seldom use social media to click links. They are there to chat with friends, see one another’s updates and catch up with family members. Yes, they may find your links interesting and click them but they will still be in a hurry to return to their feeds. Yet, social media traffic remains a valid additional traffic driver. To give you a quick overview of platforms and tactics, here’s a quick chart:

Platform How to build traffic What to expect

Facebook Post linked updates from time to time inviting friends to read and spread the word. It is usually a friendly environment for sharing your work. Sharing a link on a personal page is usually pretty effective but cannot be overdone. If you use a business page, your only bet is to pay for views or clicks.

Twitter Tweeting links may be effective if you have engaged following. In some niches there are active Twitter chats where you can share a link if it adds value to a discussion. Tweets are short-lives, so schedule several to go live in the future at different times. There are also a few ways to recycle tweets for more exposure.

Instagram You cannot post links in updates but if your profile has enough followers (at least 10,000), you can post links in stories which is quite effective for traffic. Instagram is not the best traffic generation channel but it is great for finding partners. Spend your time there to find people who you can build mutually beneficial relationships

Pinterest Integrate your CTA (e.g. “Click the image to read more”, “Click to download”, etc.) to drive people to your site Pinterest has a very specific image format that works. Tools like Venngage will help!

Linkedin Post links in your updates and tag mentioned people and companies. Linkedin won’t send a ton of traffic but those few clicks you’ll get are likely to engage better than those from Facebook. The Linkedin crowd is there for business, so they are likely to take interest in what it is you are doing. This platform will mostly only work in a B2B niche but if you are looking for leads, it can work very well!

The nice thing about this type of traffic is that you get to achieve other (possibly more important goals) when building it. You get to know your audience better, find partners and influencers, meet your potential content promoters, discover cool opportunities (like new groups and contests), find great content ideas, etc. Besides, by being on social media and meeting other bloggers, I increase my odds that my content will generate some natural backlinks which are key to increasing my organic rankings and consequently traffic.

Driving referral traffic

Finally, getting traffic from links on other sites is often part of a link building strategy. In fact, if you need a definition of a valuable backlink: It is the one that gets traffic. Traffic driving links are hard to come by but a few ways that may work include:

  • Regularly contributing to other (preferably popular) blogs
  • Reaching out to other bloggers inviting them to fix outdated or broken links with your resource.

Both of these methods include a powerful relationship building component, so it is a good idea to look out for bloggers to reach out to (or contribute for) when being on social media building your following and interacting with peers. There are, of course, other ways content can drive clicks but they are not relevant in the small business context. For example, creating viral content can send thousands of clicks but it is too time consuming (and often useless) for a small business to try.

How to Make Content Part of Your Sales Funnel

Getting traffic is only half of the battle. For your content to drive sales, you need to adjust your content strategy to your product and sales funnel:

  • Match content topics to your value proposition. When doing your keyword research and topic brainstorming, keep your product in mind. Which problems is your product solving? Focus on creating content that addresses those products and possibly offers your product as a solution.
  • Integrate your CTAs into content. These can be anything from a soft call-to-action inviting readers to check out your product (as an answer to a described question) to a two-step opt in that offers them to download a full report or a more detailed instruction.

To give you a good idea of both in action, here’s an article over at Hubspot integrating all kinds of contextual CTAs in a most fitting way: Contextual CTAs

Keep an eye on your content-driven conversion funnels

Finally, monitoring your conversions is key to creating a more effective content-driven sales funnel. Setting up Google Analytics goals is a must. Another idea is to use more conversion-oriented platforms like Finteza which allows to slice and dice your analytics data to get specific insights into which content-driven page does a better way driving sales from a particular traffic source: Finteza

Conclusion

Creating an effective traffic- and sales-driving content strategy takes time and effort but it is a very rewarding undertaking that will establish your brand as a knowledge hub, build brand loyalty and trust and help your business understand your niche and target audience. Good luck!

Image: Depositphotos


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How to Exit Your Small Business Rich


The dream of most small business owners is to exit their business rich. Many of them have over 80% of their personal wealth tied up in their company’s value, but statistics show only about 30% will end up selling their business to an outside buyer.

On The Small Business Radio Show this week, Sharon Lechter, co-author of the international bestseller “Rich Dad Poor Dad”, has released 14 other books in the Rich Dad series. She is now the co-author of new book with Michelle Seiler Tucker, called “Exit Rich: The 6 P Method to Sell Your Business for Huge Profit.”

Sharon explains that most small businesses do not exit rich because they have not built a foundation that allows them to sell the company for maximum value. She adds that “they focus on profit and sales and not on the foundation like operation systems, competitive advantages and the hidden value in your company. Too many business owners own a job not an asset.”

Interview with Author Sharon Lechter

Sharon says that most owners think their company is worth more than it is. She explains that there is a difference between a “mission brand and a celebrity brand”. The celebrity brand is tied directly to the personality and work of the owner. She adds that it is “harder to sell a business wrapped up in a person. It is much easier to sell a business that is based on established systems and not based an owner’s personality. Owners sometimes sees themselves as the company instead of the operator of the business.”  Sharon says if you want real long term value, you must build it independent from what you contribute. She insists that “entrepreneurs are not the best operators. The first P (of the 6 P Method) is people; you have to hire people where you are weak.”

According to Sharon, the biggest mistakes small companies make that lead to unnecessary failure in selling their company is that they do not establish the best first impression; they don’t have all their financials prepared. Sharon says that “you can’t manage what you can’t measure; your numbers tell a story. They can identify holes in your business by looking at your financials.”

Sharon suggests hiring a business broker since selling is a very emotional process. Have someone that does not have an emotional connection to the sale is a benefit; “High emotion (in this process) is low intelligence.”

Listen to the entire interview on how to exit your business rich on The Small Business Radio Show.

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SyncFloor Gives Fitness Instructors Access to Music for Digital Classes


SyncFloor, a B2B platform that provides licensed access to commercial music for businesses, has launched a service that gives fitness instructors access to music for digital classes.

Via online subscription services Bande and The Class, SyncFloor will bring music for on-demand and live streaming fitness classes.

Similar to the music it provides to podcasters, music supervisors and other content creators, SyncFloor will bring a new music experience specifically for fitness trainers.



SyncFloor Offers Music for Virtual Fitness Instructors

The Covid-19 pandemic created a boom in digital fitness. The demand for fitness instructors to deliver digital sessions remains high. The personal fitness industry is a profitable sector to get into. To help improve online fitness lessons, fitness instructors need to have access to the right technology, facilities and services, including music.

The Class, providers of a music-driven workout experience, and Bande, a virtual fitness community, have turned to SyncFllor to provide one-click licenses of high-quality commercial music. The collaboration will mean fitness instructors have more streamlined and easy access to music for digital classes.

As Kirt Debique, co-founder and CEO of SyncFloor explains: “The ability to legally source great commercial music directly impacts the quality of experience fitness brands deliver to their subscribers. They need quality music for live and on-demand classes.

“We can help companies with both, and we have all the music they need, from hip hop for kickboxing or dance pop for HIIT, to chillhop for yoga,” Debique continues.

Empowering Fitness Instructors

Designed to empower fitness instructors, SyncFloor has built a new suite of tools to assist them in finding the right music via a patented search. Using song segments and BPM customization, fitness instructors can craft a more unique class experience. They can also license a set of tracks with a single click.

Simplifying Payment for Fitness Instructors

As a means of simplifying payment, the platform has fitness-specific license fee structures and offers monthly invoicing.

SyncFloor has been hailed as a “game changer” by fitness instructors. By collaborating with The Class and Bande and drawing on an expanding curated music catalogue from around the world, SyncFloor delivers a complete solution for the burgeoning online fitness market.

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One-third of All POS Transactions via Mobile Wallet by 2024


The shift towards becoming a cashless society is gathering momentum. Data presented by TradingPlatforms.com, an education and comparison platform for online traders, shows that by 2024, mobile wallets will be responsible for one-third of all POS transactions globally.

Even prior to the pandemic, small business owners were looking at cashless payments as a way of driving bottom line.  Since the health crisis reared its head, cashless payments have become even more prevalent, deemed as a safer and more convenient way of managing money.



One-third of POS Transactions by Mobile Wallet in 2024

For small businesses, offering this progressively more popular, safe and convenient way for customers to pay for goods and services, is a shrewd way to meet consumer demand and ultimately be more profitable.

Jastra Kranjec, author of the TradingPlatforms’ report on the data, notes the rising demand for cashless forms of payment: “Over the last few years, mobile payment services provided hundreds of millions of people access to electronic transactions, especially in underbanked markets in Africa, Asia and Latin America.

“However, they also became very popular among tech-savvy consumers in developed countries,” writes Kranjec.

Mobile Wallets Two Times More Prevalent Than Credit Cards in Payments in 2020

TradingPlatform’s research also looked at the volume of different methods of payments in ecommerce transactions worldwide. In 2020, digital/mobile wallet payments were by far the most prevalent form of payment, equating to 44% of the share, two times more than credit cards and three times more than debit cards.

Credit card payments took almost 23% of the volume of payments in 2020. Debit card transactions made up almost 13%, followed by bank transfers that took up 7.66%.

Cash Transactions to Drop Further

According to TradingPlatforms, cash transactions are set to drop significantly in usage, falling from 20.5% in 2020 to 12.7% in 2024.

As cash payments decline, mobile wallets are to become a $4 trillion industry by 2024. In 2021, 1.48 billion people worldwide are set to use mobile payments.

The United States ranks as the world’s second-largest mobile payments market. The data shows that the US market is set to witness high growth in mobile payments in forthcoming years.

The data presented by TradingPlatforms, provides important insight into the burgeoning mobile payment market and the rising consumer demand for cashless payments. Small businesses should take note and, if they have not already done so, start offering cashless payment options to customers.

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Businesses Renting More Space for Employees


As markets and the economy continue to recover from the pandemic, businesses are looking for more space to rent for employees.

Data from commercial real estate experts SquareFoot, shows in the post-pandemic world, the number businesses in the US looking for office space is rising. The cost employers are paying for office space is also increasing.



Employers are Spending More on Office Space

The data shows that, post-pandemic, businesses in New York are paying 155% more for office space. Prior to the Covid-19 pandemic, commercial real estate tenants looking for offices had allocated approximately 100 square feet of space per employee. By the beginning of 2021, this figure had almost doubled to almost 250 square feet per employee.

SquareFoot’s study also shows that over the last year, businesses have expressed greater need for flexible and short-term leases.

Flexible Space to Accommodate Hybrid Models

The office space data provides important insight to small businesses in the United States. It shows how, as markets open following months of stagnation due to the pandemic, businesses are prioritizing flexible office space that accommodates hybrid model that is proving to be a popular post-pandemic working setup. Such working environments require more spacious areas, which businesses are willing to pay for.

SquareFoot reiterates the desire for larger workspaces to adhere to safety protocols and the need for employees to be safe and comfortable: “A hybrid work model advocates for more common areas, a variety of workspaces and conference rooms in addition to needing more space between employee desks for Covid safety protocols,” SquareFoot writes.

“Employers are trying to navigate what a combined remote work / in office approach will look like and what will make their employees comfortable and productive coming into the office each week.”

The amount being spent on commercial space per employee is steeply rising. According to the data, the amount employers are spending on workstation for individual employees increased by $900 in Q1 of 2020 to $1,400 in Q2 of 2021.

Rather than cutting real estate budgets to cater for a remote workforce, the figures testify that employers are increasing such budgets to accommodate for hybrid ways of working.

Making Office Space Flexibility a Priority

Office space flexibility is proving to be a key priority as businesses revaluate their needs and operations following months of unprecedented disruption. The hybrid working model is proving popular, giving employees the chance to enjoy flexible working locations without the isolation of working entirely remotely.

To operate a successful hybrid culture, employers need the right office space. They are typically looking for short-term leases. As SquareFoot’s data shows, they are will to spend more to secure such contracts and safe and comfortable workspace for employees.

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Do You Know the Liability Protection for Your Business? Watch this Webinar to Find Out


Liability-Protection-for-Your-Business.png

Why does Sole Proprietorship offer no liability protection for business owners? If you are about to establish the business structure of your company, this is just one of the questions you need to ask. Knowing the right business structure for you is extremely important.

What Business Structure is Right for You? is a free webinar that will answer the first big legal question as a new business owner. Nellie Akalp, the CEO of CorpNet.com and Anita Campbell, Founder and CEO of Small Business Trends LLC,  will be hosting the webinar and answering your questions.

You can register by clicking the red button to attend the webinar on Jun 17, 2021, at 2 p.m. (EDT).

Register Now





Featured Events, Contests and Awards

WEBINAR: What Business Structure is Right for You?WEBINAR: What Business Structure is Right for You?
June 17, 2021, Online

Picking a business structure is usually the first big legal decision for a new business owner and one of the most confusing. However confusing, it is an essential step to protecting your personal assets from any liabilities of the company. In this webinar, Nellie Akalp CEO of CorpNet.com, will share insight on business entities to help guide you to the best decision for your new venture.


H.A.R.O. Tips/Dealing with Publicists for Brands with Alex YongH.A.R.O. Tips/Dealing with Publicists for Brands with Alex Yong
June 23, 2021, Online

Have you ever wondered how to get your small business featured in the local news or on a major website? Help a Reporter Out (H.A.R.O.) is the answer. Find out how to get publicity for your business from retired reporter and trend watcher Alex Yong.


Demystifying Google Ads: PPC Fundamentals for Small Businesses with Lior KrolewiczDemystifying Google Ads: PPC Fundamentals for Small Businesses with Lior Krolewicz
July 14, 2021, Online

The best way to get immediate business is by using Google Ads. Knowing what you’re doing will bring the best results and keep you from wasting your hard-earned cash. Learn the latest strategies from PPC Specialist Liam Krolewicz, CEO and Founder of Yael Consulting.


WEBINAR: Best State to IncorporateWEBINAR: Best State to Incorporate
July 28, 2021, Online

Some say Delaware, others say Nevada while someone else may say your home state. What is the best state to register a business in? What if your business is expanding into new territory? At what point should you Foreign Qualify? Nellie Akalp, CEO of CorpNet.com, will go in-depth to answer these questions and more in this webinar.


Social Media Marketing for Small Businesses with Monique JohnsonSocial Media Marketing for Small Businesses with Monique Johnson
July 28, 2021, Online

Which social networks are most important for your small business? How do you know what to share and when? Craft a winning strategy using these tips from Virtual Event Producer, Speaker and Business Coach Monique Johnson.


Win Corporate Clients: The Real Deal 2021Win Corporate Clients: The Real Deal 2021
October 4, 2021, Fort Lauderdale, Florida

What if you could rapidly scale your consulting, coaching, professional services, outsourcing, certified diverse company or other corporate supplier business with lucrative B2B clients…clients who buy from you month after month, year after year, with a well that never runs dry. That’s exactly what we’ll show you how to do when you join us!


WEBINAR: Steps to Start Your BusinessWEBINAR: Steps to Start Your Business
October 20, 2021, Online

Starting a business can be an exhilarating time, where everything seems full of potential and purpose. But navigating the logistics of launching a business can be daunting. In this webinar Nellie Akalp, CEO of CorpNet.com, will outline the steps necessary to legally start a business and get up and running on the right foot.


More Events

  • DigiMarCon West 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    June 16, 2021, Santa Monica, CA
  • Email Innovations Summit North America 2021 – Livestream
    June 17, 2021, Online
  • DigiMarCon Silicon Valley 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    June 23, 2021, San Francisco, CA
  • DBW West
    July 7, 2021, Seattle, WA
  • Vendcon21
    July 16, 2021, Online
  • 17th International Conference on Machine Learning and Data Mining MLDM’2021
    July 17, 2021, New York, NY
  • Talent Acquisition Week | VIRTUAL
    July 19, 2021, Online
  • DigiMarCon America 2021 – Digital Marketing, Media and Advertising Conference
    July 21, 2021, Online
  • 6th Annual Advancing AEC Technology 2021 | July 26-28 | Chicago, IL, USA
    July 26, 2021, Chicago, IL
  • Thought Leader Liaison Engagement Summit
    July 28, 2021, Online
  • DigiMarCon Ireland 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    August 11, 2021, Dublin, Leinster
  • MoCannBizCon+EXPO
    August 11, 2021, St.Louis, MO
  • DigiMarCon New Zealand 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    August 18, 2021, Auckland, New Zealand
  • DigiMarCon Australia & New Zealand 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    August 25, 2021, Sydney, Australia
  • The Driving Change Conference
    September 14, 2021, London, UK
  • DigiMarCon Asia Pacific 2021 – Digital Marketing, Media and Advertising Conference
    September 15, 2021, Online
  • The Beauty Trends & Innovations Conference
    September 15, 2021, London, UK
  • 2nd Annual – The Print Event
    September 21, 2021, Online
  • Pitch Please! The Ultimate Women’s Power Pitch Summit
    September 27, 2021, Online
  • DigiMarCon South Africa 2021 – Digital Marketing, Media and Advertising Conference & Exhibition
    September 29, 2021, Johannesburg, South Africa

More Contests

This weekly listing of small business events, contests and awards is provided as a community service by Small Business Trends.

You can see a full list of events, contest and award listings or post your own events by visiting the Small Business Events Calendar.

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10 Secrets to Success on Instagram for Small Business Users


Instagram is one of the most powerful online marketing tools available to today’s businesses. But there are many tasks for business owners to consider to make the most of the platform. You need to grow a following, foster community, and eventually convert your usage into profit. Learn how to accomplish these goals with some help from members of the online small business community.



Grow Your Instagram Followers with These Hacks

Before you can make a major impact on Instagram, you need to build a following. So how can you get more people to your profile? Janice Wald of Mostly Blogging offers tips here. And you can see more commentary here on BizSugar.

Build Your Presence on Instagram

Once you start gaining followers, it’s time to focus on your presence on Instagram. This involves everything from your posts to your engagement with content from others. In this MyBlogU post, Ann Smarty details insights you can use to accomplish this goal.

Streamline Your Instagram Usage with These Handy Navigation Tips

It’s possible to spend a ton of time on Instagram each day. And browsing can be an effective way to increase reach and engagement. But it’s important to focus on the most important actions. The navigation tips in this Social Media Today post by Andrew Hutchinson can help you make the most of your time.

Create Branded Content on Instagram and Beyond

Some social media content can come across as generic. But if you add your own brand voice and design elements, your posts may be more likely to stand out. Connor Lahey explores how to create branded content for instagram and more in this SEMrush post.

Make Money with Instagram Right Now

Of course, your main goal with any business tool is ultimately to improve your bottom line. And Instagram is no different. You don’t even have to wait for sales to come in gradually. Jasmine Watts of Miss Millennia Magazine outlines how you can make money on Instagram right now in this post.

Use Online Marketing to Make Money

Whether you’re using Instagram, a blog, or online ads, the ultimate goal of your marketing is to make money. So how can you determine what tactics will be most effective in this area? Ivana Taylor explores this idea in this DIY Marketers post.

Create Eye Catching Instagram Ads

Like many social media platforms, Instagram offers advertising in addition to organic posts. Since it’s a visual platform, your ads need to really stand out to be effective. How do you accomplish this? Rachel Vandernick offers tips in this Search Engine Journal post.

Power Your Instagram Bio With These Linktree Alternatives

Linktree is a popular tool for Instagram users. It lets you add a landing page with multiple links so you can make use of the single link option in your bio. In this Blogging Wizard post, Christopher Jan Benitez goes over some alternatives. And BizSugar members discussed further here.

Engage Your Employees Online

Instagram and other social platforms don’t have to just be for communicating with potential customers. They can be effective tools for engaging your employees as well. If you want to make more connections with your team online, read this BizPenguin post by Ivan Widjaya.

Learn About the New Digital Economy

Instagram is one platform that is especially popular with Gen Z. And these young consumers are quickly ushering in a new digital economy. So what might this mean for your business and your social media usage? Learn more in this Social Media Week post by Erica Perry.

If you’d like to suggest your favorite small business content to be considered for an upcoming community roundup, please send your news tips to: sbtips@gmail.com.

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20 Money Management Apps


If you buy something through our links, we may earn money from our affiliate partners. Learn more.

It is difficult for entrepreneurs and small business owners to remember all the expenses, taxes, and bills they have to deal with, so this list of the best money management and budgeting apps below have all been designed to help keep track of it all for you.



What are Money Management Apps?

Business and personal finance management apps link up to your accounts and track all your spending and things related to business expenses, your savings account, taxes, and bills. You can create spending plans with a table of contents on some of the budget apps, and create your spending plan with others. Entrepreneurs can especially benefit from these financial content measurement apps as they take away the stress of budgeting by trying to remember everything yourself. Not only can these apps track your spending and keep your budgeting on track with simple money management, but they can also ultimately help grow your net worth too.

20 Best Money Management Apps

Most of the money managing apps are available for both iOS and Android, though a couple of the best ones listed below are entirely web-based via the site of the developer. Whatever suits your budget needs best, you should find it on this comprehensive list of 20 of the best money management and budgeting apps on the market today.

1. You Need a Budget (YNAB)

Compatible with: Web/iOS/Android

The You Need a Budget business and personal finance application has lots of features to help you manage your business budgeting. Graphs and charts let you track your progress over time plus you have real-time access to your budget information from any device. Security is a strong point for You Need a Budget as they encrypt all data and bcrypt hash all user passwords. There is support available, though only via email, though you and your partners do also get access to over a hundred free online budgeting and personal finance workshops every week.

The free trial lasts 34 days with the monthly plan then costing $11.99 per month, and the annual plan $84 per year.

2. Mint

Compatible with: iOS/Android

Mint is a money manager that tracks all of your finances in one place. Mint features include balances and budgets and the ability to set credit health and financial goals. There are financial summaries and alerts sent via email or text message also from Mint, plus you can get a free credit score courtesy of Equifax. The lack of investing features may limit the appeal of Mint, but Mint does currently boast around 24 million users.

You can use the basic Mint app for free though there are premium tiers with extra features, plus you can remove every ad profile in Mint with a one-off $0.99 fee.

3. Personal Capital

Compatible with: iOS/Android

Personal Capital features a dashboard site to link your bank account and credit cards to track your entire net worth, along with various analysis tools and access to an advisor who will help you devise your own Personalized Plan as well as help your partners process data. The personal advice available through the app site is one of its strongest selling points, allowing you to customize the management of your finances according to your unique situation.

This is one of the best budgeting apps as it is completely free to use.

4. Pocket Guard

Compatible with: iOS/Android

Pocket Guard is an easy-to-use finance management application that gives you control of your money from credit cards to student loans to help you optimize your spending and grow your savings. As one of the best budgeting apps, Pocket Guard will monitor your budget, particularly the spendable money you have remaining after setting aside enough for the nominated bills, credit card offers, and other necessities.

The Pocket Guard app is initially free to use but there are a number of digital purchases to enhance the experience.

5. Goodbudget

Compatible with: iOS/Android

Goodbudget is a modern budget tracker that aims to keep you on track with your financial goals via a time-tested envelope budgeting method. It lets you sync and share budgets and save for big expenses, with the bill-paying feature another excellent addition to this app’s toolbox.

There is a free Goodbudget plan you can use or the more advanced paid plan that costs $7 per month or $60 per year.

6. Marcus Insights (Clarity Money)

Compatible with: iOS/Android

Clarity Money was a popular finance and investment management application that was acquired by parent company Goldman Sachs in 2018 and, aftermarket research to identify the best features according to audience insights, recently relaunched as Marcus Insights. The new version of the application lets you link your bank account, credit card accounts, and more to see your complete finances all in one place. You can organize your spending and savings, track your investment products and visualize your cash flow.

Marcus Insights is one of the free budget apps that is free to use on a mobile device regardless of device characteristics.

7. Albert

Compatible with: iOS/Android

The Albert budget app provides management tools for mobile checking of your bank accounts, credit cards, investments, savings, and more. Perhaps the best feature is the access to a team of finance experts, real humans who can provide Albert users with more personalized and honest money advice. Albert also boasts lots of data and more insights to help you keep track of your spending habits.

The Albert budget app is another free budgeting app, though there are more digital products to purchase within Albert itself.

8. Acorns

Compatible with: iOS/Android

The Acorns app works at making the most of the smaller amounts of money you have, even as far as investing spare change automatically. You can set aside money from every paycheck and more via the content profile, and there are plenty of money tips to keep you on top of your finances. The Acorns products have been informed by massive audience insight, with the application currently having over 9 million sign-ups while being backed by leading investment partners including Blackrock and CNBC.

There are three payment products starting at $1 per month for the Lite package, $3 per month for the Personal package with more features, and $5 per month for the Family package which even more features.

9. Simplifi by Quicken

Compatible with: iOS/Android/Desktop/Web

Simplifi by Quicken keeps you in full view of the big picture financially, allowing you to see your bank accounts, loans, credit cards, and investment products in one place. You can use Simplifi to see what’s left after paying bills and set useful spending limits to quickly check on overages at a glance. You can also customize your savings goals, adjust spending categories and add earmark contributions to keep you on track.

Simplifi by Quicken has a free 30-day trial, and thereafter the products cost $3.99 per month or $35.99 per year.

10. Expensify

Compatible with: iOS/Android

Expensify is used by over 10 million users and features a pre-accounting process for expenses, bills, and invoices. Use the app to scan receipts, track business, and personal expenses, and book travel all from one place. Other useful features include multi-level approval workflows, mileage tracking, and corporate card reconciliation with consent choices.

There is a free version of the Expensify app, plus a free trial to see if the paid version at $4.99 per month suits your needs.

11. Trim

Compatible with: Web

Trim is one of the best budgeting apps via their site that analyzes your spending patterns to find ways to save you money. Trim can also manage your cable, internet, and phone products, and even pay medical bills and cancel old subscriptions. It connects the account of the author securely using 256-bit SSL encryption and two-factor authentication to keep all the data safe.

Trim offers a 14-day free trial to prove it is one of the best budgeting apps as well as a basic free version. The Premium version costs $99 per year.

12. Credit Karma

Compatible with: iOS/Android

Credit Karma is another one of the best budgeting apps that allows you to check your free credit score on the go. You can also file your state and federal tax returns with the Credit Karma Tax feature, and save money with the Credit Karma Savings tool. Other cool features include an approval odds calculator, tips for financial progress, a relief roadmap creator, and free ID monitoring.

Credit Karma is free to download, though you need to sign-up in order to use it.

13. Mvelopes

Compatible with: iOS/Android

Mvelopes is all about helping you plan a budget while taking control of your finances using the envelope budgeting method. You can use Mvelopes without linking to your bank accounts or credit card companies, though the app also includes unlimited accounts that you can sync with your transaction information. There is also a personal advisor on hand to help you plan your budget.

There are multiple Mvelopes plans available, with the most basic starting at $60 per year and the most advanced costing $590 per year.

14. EveryDollar

Compatible with: iOS/Android

EveryDollar is a money managing app that helps you create a monthly budget in order to keep track of your spending and achieve your money goals. It takes less than ten minutes to create your first budget, and the app is easy-to-use and intuitive. You simply add your monthly income and expected expenses, then track your spending with the app. There are three pricing plans for

EveryDollar, starting at $59.99 for three months, then $99 for six months, and $129.99 for a year. Each price plan starts with a 14-day trial.

15. Wally

Compatible with: iOS/Android

The Wally app centralizes all your accounts to make it easy for you to manage and improve your finances. Features include flexible budget periods that help you control your monthly spending or save for specific goals, plus you can set daily spending budgets across categories like groceries and entertainment. Syncing your accounts to Wally is also very secure thanks to end-to-end data encryption.

The Wally app can be downloaded and used for free, but there are features locked behind in-app purchases.

16. Spendee

Compatible with: iOS/Android

The Spendee app wants to give you complete control over all your cash expenses by connecting your bank accounts, e-wallets, and crypto-wallets. It can give you a quick overview of your total incomes and outgoings at a glance and lets you create a smart budget to save money for expensive purchases.

The basic Spendee plan is free, and for $14.99 per year, you can get the Plus plan with extra features. There is also the Premium plan with even more features for $22.99 per year.

17. Intuit Quickbooks Self Employed

Compatible with: Web/iOS/Android

The Intuit QuickBooks Self Employed app is aimed directly at start-ups and small businesses. You can use the app to track both business and personal expenses, maximize Schedule C deductions and automatically calculate quarterly estimated taxes. It also features automatic mileage tracking, while the advanced plans have extra options such as tax payments made through the app and human support on call.

The basic Self-Employed plan costs $7.50 per month, while the Self Employed Tax Bundle costs $12 per month. The Self Employed Live Tax Bundle is $17 per month.

18. Freshbooks

Compatible with: Web

Freshbooks is another money management app aimed directly at freelancers and the self-employed, as well as small businesses with contractors or employees. It’s an accounting software built for business owners, and features include easy invoicing, expenses planning and tracking, time tracking, and project planning. You can use the app to make payments and manage reports.

The Lite Freshbooks plan costs $6 per month, the Plus plan costs $10 per month, and the Premium costs $20 per month. There is also a 30-day free trial to try out before committing.

19. Dollabird

Compatible with: iOS/Android

Dollabird is generally aimed at families but can be easily adapted to work well as a budgeting app for small businesses. It is a calendar-based personal finance management tool designed for real life where you can add past, future, or recurring transactions. You can also categorize the transactions with AI and track them on mobile.

The Pro plan costs $39.99 per year, and the Pro Unlimited plan costs $54.99 per year. There is also a special Business plan with customizable prices.

20. Venmo

Compatible with: iOS/Android

Venmo is a payment app that lets you shop and share with ease. You can send and receive money with clients or friends and add a special editor’s note in each payment. You can also use Venmo to pay businesses by using Venmo money for the purchase.

Opening and holding an account is completely free, with Venmo making their money from small percentages from certain transactions.

Finding the Best Money Management App: Features to Look For

Some of the applications listed above include similar features and tools and some have very specific purposes, so here are some areas you might want to focus on, and some best app suggestions to match.

Income Tracking

The budgeting software EveryDollar and Spendee are two of the best for income tracking and each has a variety of features to help you keep a watchful eye on every dollar coming in.

Net Worth Tracking

Many a business insider likes to track their net worth, an app like Personal Capital will be one of the best as it has specialized features exclusively for net worth tracking.

Bill Tracking

One of the priority features for small businesses is the ability to track bills, which is something both the Simplifi by Quicken and Pocket Guard apps have in common.

The Ability to Track Your Spending Habits

Spending is another popular feature as it is one of those that absolutely must be kept in check. Use apps like Albert and Trim that let the user create spending plans and enjoy the benefits of keeping your business budget in good shape.

The Ability to Track Your Expenses

Keep an eye on your expenses as well as your partners with apps that have the best expense tracking tools that work like geolocation data for your spending, such as the free budgeting app Goodbudget or Intuit Quickbooks Self Employed Talk.

Cash Flow Tracking

Cash flow can be critical to many businesses so an app like Marcus Insights that keeps you constantly informed of the state of your cash flow will be the best.

The Ability to Organize and Capture Receipts

Keeping receipts can be annoying so an app like Expensify that lets you scan them into your device to keep for later is one of the best tools for business owners.

Tax Deduction Calculation

Some budgeting apps like Credit Karma have built-in tax calculators that let you keep on top of everything you owe and when it is due.

Tracking of Investment Accounts

A lot of business owners also have investments they need to keep an eye on, so you can use the Marcus Insights app which has a special investment checking tool.

Sales Tracking

Some apps let you track incomings so you can measure ad performance or measure content performance easily so you can ensure you have the likes of your advertiser disclosure in place. Check out Freshbooks as their tracking features are some of the best.

Analytics

Some budgeting apps like to keep it simple, while others like to get deep into analytics to help with the likes of product development. Use an app like Personal Capital if you want a deeper understanding of your finances.

What is the best app for money management?

Different budgeting apps have different strengths, so it depends on what you personally prefer. An application like Mint is very straightforward and has extensive features for insight-driven money management, while You Need a Budget features graphs and other visuals for quick and easy data interpretations.

What does a budgeting app do?

Budgeting apps let you create spending plans in order to save money and reduce costs. By using such an app, you can make sure your spending doesn’t exceed your set limits.

Are money management apps safe?

The budgeting apps above all have extensive security features and privacy rights for you and your bank or credit card issuer, such as Trim that uses 256-bit SSL encryption and two-factor authentication. A lot of money management apps are actually safer than browsers for the likes of automatic password filling, plus all their credentials will be listed in their terms or advertiser disclosure.

Do budgeting apps really work?

Ultimately it is always up to the user using the budgeting software, but the budgeting apps absolutely do work if you adhere to the plans you create. Knowing how much of a certain amount of money you can spend on certain things in advance is good motivation for keeping everything in balance.

How much does a budgeting app cost?

Many of the apps above have free trials such as Expensify, while others are completely free budgeting apps. Some have limited free budgeting versions you can use, or feature in-app purchases. Some of the more in-depth apps like Intuit Quickbooks Self Employed have all paid tiers.

What’s the difference between a budgeting app and accounting software?

The difference between budgeting and accounting is that budgeting is more about planning your expenses ahead of time, while accounting is understanding where your money has gone. So accounting software accounts for what you have already spent, while budgeting software will help you decide how you spend your money in the future.

Image: Depositphotos


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Leyla Seka and Letty Ledbetter of BVI: We’re going to increase the appallingly low number of blacks participating in venture capital


It’s a small world.  So when I had a recent LinkedIn Live convo with Leah-McGowan Hare of Salesforce and Bevy’s cofounder Derek Andersen on to talk about the company’s efforts to recruit black investors in their recent $40M round, Leah’s story about attending the Black Venture Institute’s (BVI) two-week venture education program really intrigued me.  So much so that when I checked out the BVI website I noticed that one of the cofounders was buddy of mine from her days at Salesforce – Leyla Seka.

The last time I had spoken with Leyla was about 18 months ago after she left Salesforce and became a partner in Operator Collective, a VC firm founded by long-time tech executive Mallun Yen with the goal of broadening the pool of those participating in venture capital investment.  In fact 90% of these limited partners (LPs) are women, and more than 40% of them are people of color.

I recently caught up with Leyla about why she co-founded BVI, the goals set for training black investors, and what the endgame was for this initiative.  And just as I was setting this conversation up, I saw a glowing post from another good friend of mine, communications executive Letty Ledbetter, who was sharing her experiences going through the most recent BVI cohort while pointing out the role Leyla played in her becoming a part of the BVI family.  So I was glad to have her join the conversation and share her perspective going through the program.

Below is an edited transcript of a portion of our conversation.  Click on the embedded SoundCloud player to hear the full conversation.

What is the Black Venture Institute and the importance behind it

Brent Leary: What are you looking to accomplish with the Black Ventures Institute?

Leyla Seka: So Operator Collective was cooking, and we were seeing a lot of activity with female operators, much like myself, much like Letty, who hadn’t necessarily been in venture or put their money there. Mostly because it’s access, right. It’s really about access and understanding how to do that. And so, when I had started in venture, I said to my partner Mallun, I was like, “I wish I could go to a class for a week and learn what’s a SPAC, and why do I care about information rights, and how do I negotiate a term sheet.” And all these things that, really, is not that complicated once you learn what it is, it’s just like any other thing. But when you don’t know what it is, it feels really complicated. So, when George Floyd was murdered, and the pandemic, and this last year, I just couldn’t sit for another minute and not do anything.

So, I sit on the board of the engineering school at Cal Berkeley. I called up the Dean and said, “I know we run a class on venture capital. Get me to the professors.” So, then I met with Toby Stuart who became a professor of BVI, and he had this course. And I was like, “Okay, here’s what I want to do. We’re going to take all the white people out and we’re going to put all Black people in, except for me and you, and everyone in the course is going to be a Black operator.” And then we started talking about it. It was expensive, so we needed to figure out how to pay for it. Then I went to Salesforce, which I left. I worked at Salesforce 12 years. I had deep roots there. I went to the ventures team. I hooked up with Jackson Cummings there.

Salesforce decided to sponsor it. And then I said to Jackson, “I really don’t want to create a program for Black operators that’s done by two white people. That’s not what we’re doing here.” So he said, “I got it. We’re going to hook up with this organization called Black VC.” Enter Fred Groce and the Black VC team. We spent all of last summer working on this, and trying to figure out how to make this happen, and how to get it paid for, and what it would look like, and who would come. What we ended up creating is a two-week Zoom course that runs twice a year. It is a mix. And Letty can tell you this because she went there, but it’s a mix of content and academic content, as well as networking, and meeting people like the CEO of Calendly, like Phaedra Ellis, all these people that will blow your mind.

Because you’re like, “Oh my gosh, you’re the coolest person I’ve ever met.” And hearing about how they did it and sort of breaking that down. So, we ran a cohort through November, BVI One, and that far exceeded anything I ever thought would happen. Then, we just finished BVI Two a couple of weeks ago and that exceeded my expectations yet again. And one of the primary things was, before we started BVI, only 75 Black people were writing checks in Venture, which is appalling, right? I mean, it’s just appallingly low of a number. So, the idea of the program was we’re going to graduate a hundred new check writers every year. And whether they decide to write checks or not is their business, but they will know how, and if they want to go into venture, they can, and the access will be opened.

Brent Leary: So how did you select the first folks to go into these classes?

Leyla Seka: We used our network, right? I mean, it’s a network driven organization. So, we used our network. We also called for applications, and they applied to BVI and the Black VC folks. That team really runs that selection process and runs through it. And we have a lot of people interested, so we already have way more people than we can get. And then, every cohort recommends folks for the next cohort. We’re really trying to build a network. And some really interesting things have happened.

Going through the BVI program

Brent Leary: Letty, you’ve been in big tech enterprises for a long time, starting early. But how did you get involved in this? What drew you to this?

Letty Ledbetter:  Leyla. I wrote in a post that I met Leyla when I was at FinancialForce, which is Salesforce backed, and we worked on the Salesforce platform as well. So, we were at a reception. I didn’t know who she was. And then found out who she was, who she is, and what she’d done for equal pay at Salesforce, and I was like, “This woman is on the ball.” And so I just started following her, if you will, on social media and LinkedIn. I was nominated for a leadership program. It was funded by Salesforce Ventures. Leyla spoke there. Reconnected with her. And then, a couple of years later, again on LinkedIn, I saw that she had left Salesforce and she was at Operator Collective.

I was like, “Hm, how do you do that?” Still, it hadn’t occurred to me. And then, it may have been in January or whatever when I heard about the first cohort, and I pinged her. I finally got the nerve to ping her. “I don’t know if you remember me, but how do I get involved in this?” She pointed me to the link. I applied. 

At Oracle, I worked with comms for a lot of the acquisitions. I had a working familiarity with acquisitions, with pre IPO companies, but I always was curious about how the checks actually got … how the sausage was made. And here was an opportunity. And what I found out after going through BVI is that I had been an investor.

A couple of years ago, I had written a check, invested in a business for… It was a small business. Woman owned business. But that was, to me, it was more like, “Oh, here’s a friend to help out.” But now, after going through BVI, term sheets, and cap tables, and the language, it’s kind of like a treasure chest. You find it, you open it, and you go, “Oh my God, there’s so many things in here. So many things that we can do.” And it’s interesting, because our cohorts, we have met a couple of times after we graduated just to go over cap tables more. We’re going to meet again. A couple of us have gotten together and said, “Hey, how can we start writing checks? What can we do?” And I’ve also pinged Leyla. I said, “So, could you tell me more about this angel funding?” It’s been amazing.

Clearing up misperceptions on venture capitalism

Brent Leary: So, Letty, what was one of the misperceptions that you might’ve come into this with, that you found out, “Hmm, not what I thought.”

Letty Ledbetter:   I thought that you had to be a finance person to do this. And part of the two week sessions we have, these founders panels, we have guest speakers that run the gamut. One of the case studies, and I can’t remember which one. I’m not even sure I’m allowed to say, but one of the case studies featured someone who was in communications and became a founder. 

I thought everyone had to be an engineer or in finance. And there are so many ways to participate, to get access. And so that was, again… And I told Toby later. Toby is a professor. I said, “That’s where it kind of clicked for me that I could do this too.”

Creating Black Check Writers

Brent Leary: So, Leyla, I think I saw something on the BVI website that says the objective is to create 300 folks that have the ability to write checks within the next several years. So, talk about how you see… There’s this story that Letty has related. Is that a story that is kind of the usual story people are starting to tell as they go through this process?

Leyla Seka: Yes. Yes. It very much is like, “I can do this.” And I had the same awakening, quite frankly, while I was at Salesforce, where I was like, “Wait a second, I can invest my money in these companies. Like, why am I…” It’s an awakening. It’s also… We’re community driven people. That’s how humans work. And when you meet a community of people that are interested in something you’re interested in, everyone starts working together, things happen.

The cohort one team of Black Venture Institute, they meet one Saturday a month and they do angel. They listen to angel pitches and they angel invest together. A woman’s network was born out of that. The ladies of BVI, we meet fairly regularly and talk about topics from board readiness to whether or not to invest in this.

There’s lots of deal flow sharing. There’s a really active Slack channel that Black VC helps manage for BVI. Rich people get rich by putting their money to work, not by putting it in the bank. Right? And for those of us that didn’t see that all our lives, how are we supposed to know that? So, once we break that open and we’re like, “Oh, I can make this money, make more money by just… Wow. Why wouldn’t I want to?” It’s all a little “gambly” so everyone has to be careful, I will say that, but knowledge is power.

Corporate participation

Brent Leary: Leyla, maybe you could talk about getting the investment in from companies like Salesforce Ventures. How important is it to have these folks be a part of this process?

Leyla Seka: It’s really important. It’s really important. First of all, this is expensive and we don’t want to create just one more boundary. Like, “Oh, here’s BVI. Give me $80,000 and then you can come.” That’s not the point. The point was to take barriers down, not create new ones. Right? And also, look, a company like Salesforce, big companies supporting Black VC, Google supports them a lot. These companies are showing a commitment to changing what’s happening here by putting their money where their mouth is and supporting us.

And Salesforce has been a great partner of BVI. They really have. They’ve shown up time and time again. And it’s Salesforce Ventures. But I also think that we all have to attack the problem together. I learned this with equal pay. If it’s just me and my girlfriend screaming, nothing’s going to happen. Right? It was when Marc Benioff said something that everyone was like, “Whoosh.” Right? So we all got to work together. We need everybody in the fight.

Bringing diversity to the advisory board

Brent Leary: One of the things that you said about a year and a half ago was… It was kind of surprising to me, because all the experience that you brought to the table, you said you weren’t really getting asked to be a part of advisory boards for some of these tech companies. You were getting asked to be advisory boards for things that were not tech related, let’s put it like that. Does this also play a piece in changing the look, the makeup of advisory boards and decision-makers at tech companies?

Leyla Seka: Yes. Yes. Look, people grow up in the neighborhood, they look like the exact same people. God bless a lot of the white execs I grew up with, and they’re all nice people, and I love them, but they only grew up with other white people. They didn’t grow up in Berkeley, California where I did. They weren’t bused around. They didn’t have all different types of people in their courses. They only knew white people. So, in order to break through that, you have to shift the way people consider advisory roles, and how they think about sharing equity in their company, and doing nontraditional things to make their cap table look more interesting than just the same guys who worked at PayPal and are making all the money. I mean, God bless, but we all need a cut here.

I think that it takes a lot of work to change stuff like this. I’ve said this before, you have to sort of do Herculean things, extra big things. BVI was a big thing. I was supposed to not work last summer, and my family was like, “All you did was work on BVI. You were nowhere. You didn’t go fishing. You didn’t leave the house.” My mother in law was like, “Who’s going to charge…” I was yelling on the phone all the time. But it was a big thing, and hearing what Letty said, are you kidding me, Brent? That’s like the best thing I’ve ever heard. Outside of my children and my marriage, hearing stories like Letty’s and what’s going on with BVI, that is the thing I’m the most proud of.

Becoming a check writer

Brent Leary: And Letty, if you look out two, three, four, five years from now, what do you want to accomplish with what you’ve learned with BVI?

Letty Ledbetter:  I’m looking to be LP or GP somewhere, but at the same time, for me, it’s about community and making sure that my thesis is tight and I’m focused on where I want to channel my money. Do I want to go into Big VC? I don’t know. But I’m learning. I’m more equipped now than I was a year ago.

This is part of the One-on-One Interview series with thought leaders. The transcript has been edited for publication. If it’s an audio or video interview, click on the embedded player above, or subscribe via iTunes or via Stitcher.


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In the News: PPP Closes and Small Business Loan Approval Rates Increase


The Paycheck Protection Program (PPP) provided many small businesses with much-needed funds during the pandemic, but the program has now come to an end. And this is going to force business owners to go back to funding sources they were using before the PPP. In this week’s roundup, the Biz2Credit Small Business Lending Index for May has revealed approval rates are on the upswing, albeit slightly.

In the article, Small Business Loan Approval Rates Increase as PPP Closes, the index for May reports small and large banks, credit unions as well as institutional and alternative lenders all saw an increase. But the biggest increase, which came from small banks, was only 0.5%. While the other lenders only experienced a 0.1% increase and alternative lenders a 0.3% increase. The CEO of Biz2Credit Rohit Arora says next month will see a significant increase. Considering small businesses won’t have much of a choice, the numbers will likely increase significantly

This is just one of the articles in this week’s roundup that highlights the needs of small business owners. You can also get insights into why employees say in-person training is better than virtual as well as why foreign qualification is a must for your business.

 



Small Business News Roundup – June 11, 2021

Take a look at what else is making news for small business owners this week.

10 Signs of a Toxic Hybrid Workplace

Nine out of ten businesses plan to move to a hybrid-working model. This was the finding of a survey by McKinsey, which confirms the move to combine remote and on-site working is verification of the productivity and employee satisfaction of remote working.

Employees Say In-Person Training Better Than Virtual

Most employees (67%) believe in-person training is more successful than remote training. 62% say physical training is more enjoyable than virtual, and 56% of employees find in-person training more satisfactory than remote. These statistics were unveiled by a study by Paychex, providers of HR solutions to fit the needs of any size of business.

ThryvPay App Processes Payments for Small Business Service Providers

If you have a service-based business, ThryvPay says it has a payment processing solution that is less expensive, more flexible, and easier to use. And it is making the ThryvPay App available as a standalone app free of charge for non-Thryv customers.

Xerox Acquires Document Systems with Focus on Small Business

Xerox, an integrated business solution provider, has acquired a document management expertise firm. The acquisition is designed to help Xerox increase its presence in the U.S. small to medium-sized business market.

Why “Foreign Qualification” is a Must for Your Growing Business

As expected so far in 2021, many businesses are still operating virtually. Yes, stores and offices are gradually reopening, but that doesn’t mean employers and employees are willing to give up the flexibility of remote work.

Zoho Expense: Streamline Travel and Expense Management

Zoho Expense streamlines travel and expense management for businesses. Zoho Expense makes it easy to approve, monitor, pay and record expenses before, during and after a trip. What’s more, Zoho Expense can be integrated with various accounting software, such as Quickbooks and Amazon Business.

Get Ready for the Next Digital Transformation

COVID-19 forced small business owners to speed up the next digital transformation of their own company. Despite the waning of the pandemic here in the U.S., these digital changes are becoming permanent and are still increasing at a rapid rate.

Image: Depositphotos


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