Personal Business – Game Towne http://gametowne.com/ Thu, 23 Jun 2022 02:12:02 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://gametowne.com/wp-content/uploads/2021/06/icon-6-150x150.png Personal Business – Game Towne http://gametowne.com/ 32 32 Choose between work and autonomy https://gametowne.com/choose-between-work-and-autonomy/ Wed, 22 Jun 2022 21:00:26 +0000 https://gametowne.com/choose-between-work-and-autonomy/ Personal finance Choose between work and autonomy Thursday, June 23, 2022 In a turbulent global economy in the middle of 2022, many students frequently ask how to choose the right job. I hear the question from young undergraduates all the way up to adult executive students on a weekly basis. There are many books, mostly […]]]>

Personal finance

Choose between work and autonomy


In a turbulent global economy in the middle of 2022, many students frequently ask how to choose the right job. I hear the question from young undergraduates all the way up to adult executive students on a weekly basis.

There are many books, mostly quackery, on how to choose the right career, company, or optimal position.

Essentially, we need to get away from the desperation usually associated with job searches. Take a deep breath and go to Google or the USIU-Africa website to learn more about Abraham Maslow’s famous hierarchy of needs developed in 1954.

Tens of thousands of Kenyan undergraduates learned the theory. Although Maslow’s hierarchy is not perfect, it highlights some important aspects of human existence and has stimulated a thriving academic discipline around content theories of employee motivations.

Then, use a science-based approach to choosing your ideal job. Self-evaluate your reality as follows. Every person needs their physiological needs to be met first, such as food and shelter.

Second, people need security. Those who live in semi-permanent housing often remain very conscious and very concerned about their safety in ways that the middle and upper classes cannot even imagine.

Third, once humans feel safe, they first need to belong. Belonging takes many forms, from church membership to community groups to political activism. Thereafter, people need esteem through job promotions, new cars, or other measures unique to each person as a fourth step.

Fifth and finally, humans reach the stage of self-realization where they reflect on the meaning of life, their place in the world, question sacred texts taken for granted or challenge accepted prejudices in society.

Where do you fall in the five categories? Perhaps you have already operated on the stage of self-esteem, but unfortunately life circumstances have brought you back to the physiological. In the physiological stage, you will seize almost any job opportunity that comes your way.

You need to eat and you need shelter to sleep. Unfortunately, people can even endure physical difficulties in employment when they exist in a physiological state.

People get a little more selective once they get to the security stage. Their main concern revolves around the extra security needed in their lives.

Usually, people in the security phase want to leave the slums or find safer ways and times to get to and from work. Yet security conscious people will accept any extra job if it pays more than their current employer, often regardless of the circumstances.

Third, employees become demanding once they transcend the category to which they belong.

Recent high school and college graduates fall into the belonging stage and their primary psychological goal is to reunite with their friends or find a new cohort of people. If you think you’re at the belonging stage, look for jobs where your identity can be wrapped up in the position.

Join the first startup companies where a team works to find solutions to problems together. You would work best in a friendly type environment.

However, also focus on how the job looks in your career trajectory. It may seem obvious, but don’t just think about industry-specific roles.

Instead, think in terms of management roles. If you are passionate about managing NGO projects one day, should you accept a position as a field officer for an NGO or as a project manager for a for-profit company? Opt for this last position.

At the start of your career, take on roles that offer you the best opportunities for growth and learning, combined with the greatest number of responsibilities.

Later, once you have management experience under your belt, go ahead and try to get industry-specific positions. Do not hesitate to make lateral moves from your current position to a position with equal or even slightly lower responsibilities in order to get started in the new industry.

Go to industry association meetings, actively network and get to know people in this industry. The sooner you gain managerial experience and show real results, the faster your career trajectory can climb regardless of your initial industry.

Likewise, many students constantly worry about which degree to pursue in undergraduate programs and often alternate between majors of study. The painful reality: your major doesn’t matter to employers unless you’re taking a specialized course in a specialized industry.

A general business degree versus a specific in-depth concentration in management, entrepreneurship, or marketing doesn’t matter much. Get your degree as soon as possible.

Then get management experience as quickly as possible in any industry. Then network for your favorite industry and focus on your dream field when you complete your master’s degree.

If you find yourself in the self-esteem or self-actualization stages on Maslow’s Hierarchy of Needs, then one of your critical requirements for a job must include self-reliance.

Think of the job interview process as a way for you to also interview the employer to see if they meet your minimum expectations for self-reliance. You probably don’t need to show off your career progression or prove anything to anyone anymore. Rather, you want to perform well and enjoy what you are doing.

Researchers Langfred, Gonzalez-Mulé, Courtright, DeGeest, Seong, Hong, and Ariely, among many others, show the positive impact on autonomy you experience in the workplace and your ability to perform better and stay satisfied.

However, you can’t just ask “will I have the autonomy to make decisions”? Any sane employer trying to recruit new talent will automatically answer in the affirmative. Instead, you should investigate more subtly by offering specific scenarios.

Instead, ask questions such as: If I were to lead a new product development and deployment initiative, at what stages would I need higher-level approval? If my department needed to purchase a new machine for 2 million shillings, how many top level signatures must be obtained before purchase?

How quickly are decisions made for new initiatives involving 4 million shillings or more? How independent do you expect this position to work? How often do I need to meet with the board and how often is it too often?

Pick the position that gives you the most leeway to achieve goals in the best possible way without micromanaging the channel.

[email protected] Twitter: @ScottProfessor

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LISC Launches Pilot Program with Wells Fargo Grant to Help Small Businesses Build Disaster Resilience https://gametowne.com/lisc-launches-pilot-program-with-wells-fargo-grant-to-help-small-businesses-build-disaster-resilience/ Tue, 21 Jun 2022 14:00:00 +0000 https://gametowne.com/lisc-launches-pilot-program-with-wells-fargo-grant-to-help-small-businesses-build-disaster-resilience/ NEW YORK, June 21, 2022 /PRNewswire/ — The Local Initiatives Support Corporation (LISC) is collaborating with the Wells Fargo Foundation on a pilot program to help small businesses plan for and recover from disasters. The Wells Fargo Foundation launches the LISC Small Business Resiliency Network with a $2 million grant to fund community disaster training, […]]]>

NEW YORK, June 21, 2022 /PRNewswire/ — The Local Initiatives Support Corporation (LISC) is collaborating with the Wells Fargo Foundation on a pilot program to help small businesses plan for and recover from disasters.

The Wells Fargo Foundation launches the LISC Small Business Resiliency Network with a $2 million grant to fund community disaster training, planning and support for up to 500 small businesses in particularly disaster-prone communities.

The program will work through 20 non-profit business development organizations (BDOs) in Alabama, Louisiana, New Jersey, New Yorkand Texas so that these BDOs can hire and train staff in business continuity management and increase local businesses’ access to capital.

BDOs will help local businesses, particularly those operating in disaster-prone areas, to address a range of significant challenges, from translating the impact of climate change for small businesses to mainstreaming recovery and from preparedness in business plans to climate-related business opportunities. The aim is to help owners overcome the impact of disasters, preserve jobs and protect and increase local incomes.

“With this grant, we aim to catalyze further support for the LISC Small Business Resilience Network and build the capacity of local nonprofit organizations to guide small business owners through disaster preparedness strategies,” said Molly Porter, acting president of the Wells Fargo Foundation. “Entrepreneurs and the communities they serve benefit when there is an opportunity to plan ahead. We hope this effort will help keep more small businesses on the path to growth, even in the face of challenges.

Small businesses are particularly vulnerable to disasters, often without the business plans, savings, financial partners, insurance or other support needed to recover from a catastrophic loss. According to the Federal Emergency Management Agency, about 25% of small businesses never reopen after a devastating hurricane or wildfire. The challenges are magnified for those who have historically faced capital shortages, such as Black, Indigenous and Colored (BIPOC) homeowners. For example, an estimated 40% of black-owned businesses failed in the early days of the pandemic, more than double those with white owners.

“Whether it’s hurricanes, wildfires or public health crises, disaster can be a huge blow to small business owners and, by extension, to their employees and the communities they serve. serve,” said LISC’s CEO. Lisa Glover.

“But we also know from experience that losses can be mitigated with solid planning, solid coping strategies, and help navigating the tangled mix of available public programs,” Glover continued. “By working with community BDOs, especially those that focus on underserved communities, we are building a model that will expand that recuperative capacity.”

The pilot complements LISC’s existing disaster recovery and small business support programs, which included more than $240 million in COVID relief grants to minority-owned businesses and businesses in disinvested communities throughout the pandemic.

To learn more about the LISC Small Business Resilience Network, visit the LISC site.

About LISC
LISC is one of the nation’s largest community development organizations, helping to forge vibrant, resilient communities across America. We work with residents and partners to close systemic gaps in health, wealth and opportunity and advance racial equity so people and places can thrive. Since our creation in 1979, LISC has invested $26.7 billion to create more than 463,000 affordable homes and apartments, develop 78.5 million square feet of commercial, community and educational space, and help tens of thousands of people find jobs and improve their finances. To learn more, visit www.lisc.org.

SOURCE Local Initiatives Support Society (LISC)

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3 Common Investing Mistakes People Make During Recessions https://gametowne.com/3-common-investing-mistakes-people-make-during-recessions/ Sun, 19 Jun 2022 12:24:34 +0000 https://gametowne.com/3-common-investing-mistakes-people-make-during-recessions/ Financial planners say investors typically make rash decisions out of fear during recessions. Avoid investing in something trending, like crypto, if you didn’t understand it before the recession. Don’t sell everything out of fear without looking at your long-term goals. Loading Something is loading. An estimated 20 million Americans started investing in the stock market […]]]>
  • Financial planners say investors typically make rash decisions out of fear during recessions.
  • Avoid investing in something trending, like crypto, if you didn’t understand it before the recession.
  • Don’t sell everything out of fear without looking at your long-term goals.

An estimated 20 million Americans started investing in the stock market during the pandemic. That’s a lot of new investors who are going through a


bear market

— and possibly a


recession

– for the first time.

It’s not an easy thing to manage, says financial planner Pamela Capalad of Brunch & Budget. “Recessions lead to a lot of potential desperation,” she says, which often means mistakes are made.

Nicole Morong, financial planner at Peterkin Financial, agrees and adds: “There is a lot of fear and people are asking, ‘Is this a good time to invest? Should I wait for the market to go down further before invest more money in?'”

If you’re a new investor wondering how to best protect yourself from what could be a recession, Capalad and Morong have some advice.

1. Avoid investing in something you don’t understand

Capalad says she’s seen investors jump into new, trendy investments during recessions, but that’s a mistake. “Avoid anything you didn’t understand before the recession,” she says.

For example, if you didn’t know how cryptocurrency worked before, now might not be the time to invest in crypto out of desperation. Capalad says, “Ultimately it comes down to: do you understand what you’re investing in? Do you understand Why you invest in crypto? Do you understand how crypto works?”

“Crypto was one of the first things to take a dip when there was a hint of a recession because crypto is currently just speculation,” she adds. “It’s really easy to follow a trend, especially when it’s going up.”

2. Now is not a good time to try day trading

Morong says, “Any investments that claim you’ll get your money back quickly, like day trading, I would avoid that. It’s a bad idea at any time.”

Day trading involves buying and selling the same securities multiple times throughout the day, hoping to capitalize on any upside in the market throughout the day. Although anyone can technically start day trading on their own, Markets Insider reported that 97% of day traders lost money over a 300-day period.

Morong adds that the promise of making quick money in a short time makes day trading alluring, but ultimately it’s not worth it.

3. Don’t sell everything when the market is down

During a recession, many investors feel a sense of panic, especially if you do it alone without any accountability from a financial planner or financial advisor. Selling everything when the market is down is usually a fear-based decision, Morong says, which can hurt long-term investors when the market corrects.

Morong adds, “It’s easy to get really, really scared, and when you don’t have anyone to brainstorm with, you look at your portfolio and think, ‘Oh my God, that’s a slow bleed! my money ! That’s down 40%!” You could be selling or making rash decisions without understanding the macro perspective.”

Instead, try a dollar-cost averaging strategy where you regularly invest the same amount of money. You’ll buy stocks at their highs, of course, but you’ll also buy them at their lows while they’re “on sale”, which evens out your costs over time.

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Members of Pearland City Council, any business entity in which they have a substantial interest, could be barred from entering into contracts https://gametowne.com/members-of-pearland-city-council-any-business-entity-in-which-they-have-a-substantial-interest-could-be-barred-from-entering-into-contracts/ Fri, 17 Jun 2022 21:54:00 +0000 https://gametowne.com/members-of-pearland-city-council-any-business-entity-in-which-they-have-a-substantial-interest-could-be-barred-from-entering-into-contracts/ PEARLAND, Texas — Current Pearland City Council members, and any business entities in which they have a substantial interest, may soon be barred from entering into contracts with the city. The video above is ABC13’s livestream 24.7. Pearland City Council at its regular meeting on June 13 passed by a 4-1 vote the first reading […]]]>
PEARLAND, Texas — Current Pearland City Council members, and any business entities in which they have a substantial interest, may soon be barred from entering into contracts with the city.

The video above is ABC13’s livestream 24.7.

Pearland City Council at its regular meeting on June 13 passed by a 4-1 vote the first reading of an ordinance that would prevent the city from accepting contracts with current council members and any business entities. in which that person has a substantial interest if approved in the second reading.

“The impact of the change would simply mean that the city would not have the ability to enter into a contract with a sitting city council member or a business entity, in which that council member has a substantial business interest,” said the city ​​attorney, Darrin Coker. .

The amendment to the Ethics Ordinance is not official until the passage of the second reading, which is expected to be held on June 27. The point came up several council meetings when the city council considered making some initial changes to the ethics ordinance regarding the former council. members, Coker said.

Pearland City Council at its regular meeting on May 23 passed the second reading of an ordinance that prohibits the city from entering into contracts with former council members and any business in which they have a substantial interest for at least 12 months after the swearing in of their successor. in.

Councilman Joseph Koza, who was the only one to vote against the first reading, expressed concern that the amendment change could prevent small businesses in the city from entering into smaller agreements, such as goodwill contracts. command, with the city.

Koza used his company Koza Inc., which focuses on embroidery, screen printing and other services, as an example of a business that could potentially be negatively affected by the general order.

The way the ordinance is worded prohibits the city from entering into contracts with current council members, Coker said. Board members Jeff Barry and Woody Owens were not present at the meeting.

Pearland currently follows state law, which allows cities to enter into a contract with a council member or business entity in which they have a substantial interest, but that council member must file an affidavit with the city clerk. and abstain from discussing and voting on the contract, Coker said. If the second reading passes, it will be stricter than state law, he said.

Council member Alex Kamkar expressed support for the ordinance amendment and praised former council member Trent Perez for pushing the council to consider the amendments.

According to a June Pew poll, 65% of Americans think most political candidates who run for office nationally do so for their own personal interests. In that same poll, he found that about 66% of Americans have a positive view of their local governments, which is down a slight 3 percentage points from 2019, according to the study, but higher than trust. state and federal governments.

“I think we’ve heard a lot of comments about rebuilding trust with citizens and things of that nature, and I think that kind of thing that (Perez) brought up and that we relied on really shows that we are trying to go above and beyond to rebuild that trust,” Kamkar said.

Editorial Note: This article has been updated to include local government data points from a Pew poll.

This article comes from our partners ABC13 at Community Impact Newspapers.

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Stay cool while supporting small businesses https://gametowne.com/stay-cool-while-supporting-small-businesses/ Wed, 15 Jun 2022 05:35:11 +0000 https://gametowne.com/stay-cool-while-supporting-small-businesses/ Turlock is home to a number of small businesses serving snacks ideal for keeping cool on hot summer days. Luckily for community members, there’s a bit of variety in each store for everyone’s taste buds. Oak Barrel Ice and Creamery is in business at 197 S. Golden State Blvd. Since 2015 Owned by former professor […]]]>

Turlock is home to a number of small businesses serving snacks ideal for keeping cool on hot summer days. Luckily for community members, there’s a bit of variety in each store for everyone’s taste buds.

Oak Barrel Ice and Creamery is in business at 197 S. Golden State Blvd. Since 2015 Owned by former professor Greg Raynes, Oak Barrell is a staple of traditional ice cream delights, serving 23 different flavors of regular ice cream and four kinds of sorbets. One of their most popular menu items has been the classic Root Beer float. Since its opening, dishes such as ice cream sandwiches have also appeared on the menu.

Oak Barrel is open Tuesday through Saturday from 1 p.m. to 9 p.m. and Sunday from 4 p.m. to 9 p.m.

House of Random at 80 S First St. has gained popularity for its unique liquid nitrogen ice cream. The shop offers its customers different flavors every month and can even turn a sundae into a milkshake. Not only that, but customers can pick one up 50% off every Thursday.

House of Random is open Tuesday through Sunday from 1 p.m. to 10 p.m.

Lulus Ice Cream Parlor and Treatery at 2054 E Canal Drive is a store that serves more than just ice cream. In addition to classic scoops, Lulu’s offers sundaes, shakes, malts and floats. But there’s even more to the treats than the typical living room. For those with big cravings, customers can grab burgers, sandwiches, fries and salads.

Lulu’s is open Sunday to Friday from 11:00 a.m. to 9:00 p.m. and Saturday from 11:00 a.m. to 7:15 p.m.

For those who like ice cream more than cream, they also have options at Turlock with Heaven Snow Shaved Ice. Heaven Snow is primarily known in Ceres, but with a recently opened location in Turlock at 811 W Hawkeye Ave., they are already gaining popularity among community members. They offer over 50 flavors of shaved ice, fruit smoothies, frozen slushies, and blended iced coffees.

Fruit-themed, Paleteria y Nieveria La Jungla Michoacana serves freshly diced fruit cups, a traditional Mexican snack. They also offer a variety of Mexican paletas. They are open daily from 9 a.m. to 9 p.m.

Crazy Mangonada at 537 N Golden State Blvd is another Mexican staple in Turlock serving fresh fruit cuts…but there’s a twist to some of their most popular dishes on the menu. The term “crazy” is in the store name for a reason as they are known for experimenting with other Mexican ingredients. They also offer traditional ice cream, paletas and fruit juices.

The Crazy Mangonada is open Monday to Friday from 11 a.m. to 8 p.m. and Saturday to Sunday from 10 a.m. to 9 p.m.

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South Carolina lawmakers reach deal to cut income tax https://gametowne.com/south-carolina-lawmakers-reach-deal-to-cut-income-tax/ Sat, 11 Jun 2022 16:30:12 +0000 https://gametowne.com/south-carolina-lawmakers-reach-deal-to-cut-income-tax/ The South Carolina State House Getty Governors and lawmakers in 14 states enacted income tax relief last year and eight states have already approved income tax cuts so far this year. South Carolina is now set to be the next state whose residents will receive income tax relief. The income tax cut expected to hit […]]]>

Governors and lawmakers in 14 states enacted income tax relief last year and eight states have already approved income tax cuts so far this year. South Carolina is now set to be the next state whose residents will receive income tax relief. The income tax cut expected to hit Gov. Henry McMaster’s (RS.C.) office this month, in addition to allowing people to keep more of their paychecks, will help Carolina South to avoid falling even further behind neighboring states where numerous income tax cuts have been approved over the past decade and as recently as last month.

Next to South Carolina, thanks to a bill recently signed by Governor Brian Kemp (R-Ga.), Georgia residents will soon see their income tax rate drop from 5.75% to 4 .99%. Meanwhile, across the border from South Carolina, North Carolina’s flat rate income tax has dropped from 5.25% to 4.99% on the first day of 2022. The rate Tar Heel state income tax is expected to drop further to 3.99% in 2026.

Although North Carolina residents recently received another tax cut, Raleigh lawmakers recognize there is still demand from voters for additional income tax relief. A poll released by the Center for American Ideas and the GOPAC Education Fund on June 8 found widespread support for a proposal to further reduce North Carolina’s income tax rate to 2.5% by 2030. The new poll shows support for moving to a 2.5% income tax rate. ranging from 74% to 77% in the four competitive state legislative districts that were surveyed. By passing legislation to move to a 2.5% flat tax, North Carolina lawmakers would match the new income tax rate that Arizona is headed toward thanks to tax reform enacted by Governor Doug. Ducey (R), which was led by a legislature with slim majorities by Senator JD Mesnard (R) and House Majority Leader Ben Toma (R).

Many members of the South Carolina legislature recognize that if they don’t get income tax relief enacted this year and improve it in later sessions, they’ll likely see the tax disadvantage of the Palmetto State relative to neighboring states continue to grow. As in North Carolina, a recent poll indicates there is strong support for state income tax relief in South Carolina. A poll released by the South Carolina Policy Council on June 4 found that 77% of respondents think reducing state income tax is important, with 54% saying reducing the tax rate on state income is very important.

The good news for South Carolinians who want to see the state income tax rate reduced, thanks to the efforts of Colombian lawmakers, is that South Carolina is now poised to be the next place where income tax relief will be enacted in 2022. After years of being surrounded by states cutting income taxes while rates in South Carolina remained unchanged, South Carolinians are poised to receive the income tax relief they need.

“We are calling for the reduction of the highest marginal personal income tax rate in the South since our inception,” said Dr. Oran Smith of the Palmetto Promise Institute. “We took a leap forward this year by releasing a video during the Governor’s State of the State as he called for reduction. We hope that before the end of the month, that ugly ‘7’ on the Tax Foundation card will be gone for good!”

With a top rate of 7%, South Carolina currently has the highest income tax rate in the entire Southeastern United States. For those striving to attract more jobs, investment, and people to South Carolina, this is a distinction that must end. In an effort to change that, the South Carolina House and Senate both passed income tax relief bills by unanimous majority this spring. Members of the conference committee have since worked out the differences between the two proposals.

There are significant differences between the House and Senate income tax bills in South Carolina that need to be resolved. Many believe that each chamber’s proposals have unique aspects that, if combined, would lead to the most positive outcome for taxpayers.

The income tax relief bill passed by the House, which lowers South Carolina’s top tax rate from 7% to 6% over five years, does not reduce as much the higher rate than the bill passed by the Senate, which reduces this rate to 5.7% immediately. While the Senate passed a larger reduction in the top rate, the House simplified the income tax code in a way that the Senate bill does not. The income tax cut passed by the House cuts the state from four income tax brackets to two, consolidating the bottom three brackets into a single bracket taxed at 3%.

Many hoped that the larger cut in the top rate approved by the Senate would be combined with the consolidation of the lower brackets in the tax plan passed by the House to produce an end product that adopts the optimal parts of both plans. Instead it was reported on Friday, June 10 that the conference committee is going with the rate cut passed by the House and tying that to a $1 billion refund to taxpayers. Under the compromise, which is expected to be voted on by South Carolina lawmakers in the coming week, the top tax rate will drop immediately to 6.5%, then be gradually reduced to 6% over the next few weeks. next five years. The two lower tranches will be consolidated into a 3% tranche.

“We have made substantial investments in South Carolina,” House Speaker Murrell Smith (R) said. “A billion in reserves, $1 billion in roads and $2 billion in tax relief.”

The enactment of an income tax cut this year will bring much-needed relief to South Carolina families, many of whom are grappling with the highest inflation in four decades. In addition to allowing households to keep more of their hard-earned income, personal income tax relief bills also generally benefit small businesses, as most fall under the tax system. on personal income. Yet South Carolina is already assessing a preferential 3% flat tax on business income imposed under the personal income tax system, making the pending tax relief package of no benefit to individuals. small business owners.

According to IRS data, more than 514,000 small business owners file through the South Carolina personal income tax system. Reducing the top personal income tax rate, which is being attacked by opponents as a gift to the wealthy, in practice expands the ability of small businesses in most states to hire new workers and grant grants. raises to existing employees. Because South Carolina already taxes small business income at a preferential rate, lawmakers should lower the personal income tax rate below 3% to provide relief to business owners. small enterprises.

The upcoming tax cut from Governor McMaster’s office will drop South Carolina’s highest tax rate below 7% for the first time since the rate was passed in 1959. That said, the South Carolina will still have the highest tax rate in the region even after Governor McMaster signs the income tax cut that is expected to pass on June 15. Even if the Senate’s larger top rate cut had been included in the final package, South Carolina would still have had the highest income tax rate in the Southeast. That’s why top lawmakers have already made it clear that this is just a first step and that tax reform must be on the agenda for future sessions if the South Carolina tax code must be made more competitive.

The income tax relief agreement reached between the South Carolina House and the Senate caps a remarkable legislative session in the state of Palmetto. Between approving long-sought income tax relief and passing landmark legislation to create scholarship accounts that will give thousands of children access to more of schools, South Carolina lawmakers are about to wrap up work on what is set to be a substantial legislative session that will provide plenty of material for discussion on the 2022 election campaign and beyond. .

Update: This article has been updated to reflect that small business income in South Carolina is taxed at a preferential rate of 3.0%.

]]> Ra Ra’s Ice Cream Shop https://gametowne.com/ra-ras-ice-cream-shop/ Thu, 09 Jun 2022 21:20:00 +0000 https://gametowne.com/ra-ras-ice-cream-shop/ DAYVILLE, CT (WFSB) – Lauryn Hart and Joshua Sandage recently got engaged and took over Ra Ra’s Ice Cream Shop in Dayville! “They just offered it to me and at first I was like it was crazy, I’m too young to own a business. But Josh and I both went to Quinebaug Valley Community College […]]]>

DAYVILLE, CT (WFSB) – Lauryn Hart and Joshua Sandage recently got engaged and took over Ra Ra’s Ice Cream Shop in Dayville!

“They just offered it to me and at first I was like it was crazy, I’m too young to own a business. But Josh and I both went to Quinebaug Valley Community College on business, so that went well,” Lauryn said.

Lauryn worked at Ra Ra’s in Moosup for a few years, and the previous owners helped the two get started in Dayville.

“We were a bit anxious at first because we weren’t sure if people would know us at the bottom of a park, there’s not much to it, we have a busy intersection just up the road, but it was very very good our first opening weekend, we had a line to the ballpark all day and it was fantastic,” said Josh.

They get their ice cream from the Big Dipper in Prospect, and they have plenty of options.

Campfire Smores is one of the most popular flavors, and Graham Central Station.

They offer 24 different flavors of soft serve, shakes and jammers.

Lauryn has a lot of experience picking up, but Josh had to learn fast!

“I had no experience scooping or anything ice cream related. Day one I was thrown straight into the fire,” Josh said.

They say the whole experience is worth it, seeing kids and families come for ice cream and making memories.

“We really wanted those bright colors. Old Ra Ra’s was very loud and bright, and they had a giant purple dragon in the backyard where the kids could climb and eat their ice cream, so we really wanted to keep it as a special place the kids are so excited to go to “, said Lauryn.

With only a few weeks under their belt, they are both excited to see what the future holds.

“So rewarding, because it’s ours. And that’s the only thing we said from the start was that we wanted something that was ours.

For more information on Ra Ra, click here.

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Three things to consider when deploying data protection in your small business – CRN https://gametowne.com/three-things-to-consider-when-deploying-data-protection-in-your-small-business-crn/ Wed, 08 Jun 2022 05:51:31 +0000 https://gametowne.com/three-things-to-consider-when-deploying-data-protection-in-your-small-business-crn/ Small businesses are the backbone of any growing economy, bringing growth and innovation to the communities in which they are established. However, these companies are often vulnerable when complying with new remote work standards. One of the biggest threats to small businesses today is a cyberattack. According to the wall street journalbusinesses with annual revenue […]]]>

Small businesses are the backbone of any growing economy, bringing growth and innovation to the communities in which they are established. However, these companies are often vulnerable when complying with new remote work standards.

One of the biggest threats to small businesses today is a cyberattack. According to the wall street journalbusinesses with annual revenue of less than US$10 million are less likely to be prepared for cyberattacks. eye of fire also reports that while 77% of all cybercrimes are directed at small businesses, only 42% of small business owners are concerned about cybersecurity. The National Small Business Association reports that up to 60% of small businesses will fail within six months of a significant cyber breach. These results clearly show that most small businesses lack the ability to defend against this growing threat.

All of your digital assets could be unprotected and at risk, without you even knowing it

According to the WSJ, many small businesses don’t even know when they’ve been victims of a cyberattack because they don’t have the tools to identify them. Encryption-based ransomware encrypts files stored on computers and can spread across the network, preventing companies from accessing their own data. These types of ransomware are becoming increasingly sophisticated and may not be detectable by anti-malware software until it is too late. Once infected, a company can be deprived of its own data, and there is no guarantee that data can be recovered even after paying a ransom.

Another common challenge for small businesses is data scatter and redundancy. Many modern companies have adopted remote work policies, spreading their data across multiple platforms and devices. While these new working models can help with business productivity, having your data dispersed across servers, virtual machines, personal computers, and cloud/SaaS applications like Google Workspace and Microsoft 365 can actually put your data at risk.

To secure data and meet governance and compliance regulations such as GDPR, all devices and platforms must be backed up in a unified way. However, this type of data management can become complex when certain platforms are only compatible with specific backup solutions. Additionally, it can be difficult to avoid expensive licensing fees when software and hardware storage devices are purchased separately.

Start protecting your deployment now

Given these issues, your business may need a new approach to data protection. Small businesses need a data protection solution that allows them to centralize and protect business data distributed across platforms, and perform multi-version backups with flexible and fast restore options to minimize damage in case of calamity.

Learn more about corporate data protection: https://sy.to/kf3eg

If you’re looking for a new, smart backup solution to replace your existing system, you need to make sure it supports these three key features:

  1. Centralized management

First, a centralized data management system must support complete backup tasks from a single console. IT staff can deploy and monitor backup jobs and stay alert with instant notifications and detailed reports.

The best backup solutions offer intuitive backup management for all endpoints, including servers, virtual machines, and SaaS applications. Backups are less effective without quick and easy restore options. Today’s leading solutions offer near-instant recovery to minimize costly downtime. With an easy-to-use centralized backup solution, even individual employees can be trusted to restore their own data using flexible recovery options without overburdening IT administrators, speeding up the recovery process.

2. Smart backup technology

Second, a smart data backup solution must provide efficient backups for all enterprise devices without taking up extra storage space with duplicate data items. This would include incremental backup technology, which backs up only a copy of files that have changed or newly added since the last backup. Additionally, it would include data deduplication, a technology that eliminates identical blocks of data across backup workloads.

Ideal backup solutions offer both options while accommodating existing storage deployments. It is essential to find a solution that is flexible and scalable enough to meet the needs of growing businesses without requiring the replacement of existing IT infrastructure.

3. Stick to your budget and security requirements

Third, a backup solution must be cost effective. According Study of Foundry security priorities, 90% of security leaders believe they are failing to address cyber risks and attribute these shortcomings to not investing enough in security budgets. Enterprise data security can be expensive, with costs such as building infrastructure, security scanning, network monitoring, routine maintenance, firmware, software updates, and recurring license fees. Having a backup service that integrates hardware and software can mitigate these costs. Some storage providers offer built-in backup applications that provide comprehensive data protection, including backup jobs for physical and virtual environments, and even saving offsite copies to the cloud.

By consolidating acquisition, deployment, and technical support with a single vendor, IT administrators can implement a comprehensive backup and recovery plan without paying additional licensing or maintenance fees.

A backup solution that aligns with your company’s digital transformation

Ownership and management of data is a crucial part of today’s growing businesses, and whether or not a business is able to protect its data plays a major role in its success. Having a smart backup solution can provide businesses with a competitive edge, giving them a head start in this modern era.

Learn more about data protection in Synology’s webinar, Register now: https://sy.to/rdav7

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30-year mortgage rates edge down for third week in a row https://gametowne.com/30-year-mortgage-rates-edge-down-for-third-week-in-a-row/ Mon, 06 Jun 2022 12:58:51 +0000 https://gametowne.com/30-year-mortgage-rates-edge-down-for-third-week-in-a-row/ Mortgage rates fell slightly again, marking the third straight week of declines, according to Freddie Mac. (iStock) Mortgage rates fell slightly for the third week in a row, according to new data by Freddie Mac. The 30-year fixed rate mortgage declined slightly to 5.09% of the annual percentage rate (APR) for the week ending June […]]]>

Mortgage rates fell slightly again, marking the third straight week of declines, according to Freddie Mac. (iStock)

Mortgage rates fell slightly for the third week in a row, according to new data by Freddie Mac.

The 30-year fixed rate mortgage declined slightly to 5.09% of the annual percentage rate (APR) for the week ending June 2, 2022. This is a slight decrease from 5 .1% last week, but up from 2.99% last year.

“Mortgage rates have continued to decline slightly this week, but are still significantly higher than last year, affecting affordability and buying demand,” said Freddie Mac chief economist Sam Khater. “As summer approaches, the pool of potential buyers has shrunk, supply is up, and the housing market is normalizing. This is welcome news after the unprecedented market tightening over the past two last years.”

However, the 15-year mortgage rose slightly to 4.32% from 4.31% Last week and 2.27% last year. The five-year Treasury-indexed hybrid variable-rate mortgage (ARM) averaged 4.04%, down from 4.2% last week, but up from 2.64% last year.

If homeowners want to take advantage of current mortgage rates, they can consider refinancing to save money on monthly payments. Visit Credible to find your personalized interest rate without affecting your credit score.

HOME PRICE GROWTH REACHED AN ALL-TIME HIGH IN MARCH: THIS IS HOW OWNERS CAN CASH

Another interest rate hike could come from the Federal Reserve

The Federal Reserve rising interest rates by 50 basis points at its May meeting, the biggest rate hike in about two decades. Earlier, the Federal Open Market Committee raised interest rates by 25 points at its March meeting. But the Fed is expected to raise rates several more times this year and into 2023 as it fights high inflation for decades.

“After a tumultuous month characterized by widespread concern about inflation and the possibility of a recession, the stock market ended May about where it started after a rally last week,” Hannah said. Jones, economic data analyst at Realtor.com. “In a meeting with Federal Reserve Chairman Powell and Treasury Secretary Yellen, President Biden expressed support for the Fed’s actions to control inflation and pledged to refrain from influencing interest rate decisions.

“Powell and Fed officials have continued to stress their commitment to take action in upcoming meetings to bring prices under control and achieve 2% inflation,” Jones said. “In line with this objective, year-on-year consumer price growth slowed in April for the first time since August 2021, from 8.6% in March to 8.2% in April, a welcome sign of progress.”

If you’re looking to take advantage of mortgage rates before they go up, consider refinancing to lower your monthly payment. Visit Credible to compare multiple mortgage lenders at once without affecting your credit score.

HERE ARE THE BEST DAYS OF THE YEAR TO SELL YOUR HOME

Affordability challenges slow home buying activity

As skyrocketing house prices and with mortgage rates still higher than at the same time last year, affordability continues to be a challenge for potential buyers.

“The decline in mortgage rates over the past two weeks has offered some relief to buyers who have had to contend with relentlessly rising home prices,” Jones said. “High prices and recent interest rate hikes dampened buyer activity in April, as seen by the month-over-month decline in existing home sales (-2.4%), new home sales (-16.6%) and pending home sales (-3.9%) as some buyers pulled out of the market altogether.”

House prices jumped to brand new heights in March, according to the latest Case-Shiller report. They reached an annual increase of 20.6% despite the expectation that growth may soon begin to slow.

“Homebuyers continued to face record property prices in May, however, hope is on the horizon as housing data from last week shows a further increase in the number of homes for sale compared to to last year,” Jones said. “And while stocks are still low by historical standards, they are starting to move in a more buyer-friendly direction. This will likely lead to slower price growth in the not-too-distant future as sellers scramble buyers, ultimately creating a more balanced market.However, those currently teleshopping will tell you that we are not there yet, as continued high interest rates and house prices are making it difficult to find their home ideal.

If you’re considering buying a home in today’s real estate market or want to refinance your current loan amount to lower your interest rate, comparing several options can help you save money. Contact Credible to speak with a mortgage expert and get your questions answered.

Do you have a financial question, but you don’t know who to contact? Email the Credible Money Expert at moneyexpert@credible.com and your question might be answered by Credible in our Money Expert column.

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Small Businesses Can Get Hack the Hood’s Website Design for Free https://gametowne.com/small-businesses-can-get-hack-the-hoods-website-design-for-free/ Thu, 02 Jun 2022 22:00:00 +0000 https://gametowne.com/small-businesses-can-get-hack-the-hoods-website-design-for-free/ Hack the Hood, an Oakland-based nonprofit, is offering free website design services to small businesses and nonprofits in the Bay Area this summer. Participants in Hack the Hood’s upcoming Hustle: Tech Foundations program, which is free, will design and build websites for eligible businesses. “These are young people who sometimes don’t have access to their […]]]>


Hack the Hood, an Oakland-based nonprofit, is offering free website design services to small businesses and nonprofits in the Bay Area this summer. Participants in Hack the Hood’s upcoming Hustle: Tech Foundations program, which is free, will design and build websites for eligible businesses.

“These are young people who sometimes don’t have access to their own laptops or those expensive tech boot camps, so we’re providing a $500 stipend and a laptop,” said Ayana Ivery, senior manager. communications from Hack the Hood. Participants are local BIPOC youth aged 16-25. “I think it’s crucial that the tech industry not just focus on making money, but on using technology for good.”

The deadline for small businesses wanting a new website or website redesign is Wednesday, June 15. Applicants must be able to afford the domain name and hosting service and commit to at least two meetings with the Hack the Hood team to share website and later requirements. get a referral to their final website.

Founded in Oakland in 2012, Hack The Hood offers a variety of tech-skills-building programs for youth and communities of color. The organization’s other two programs, Build: Data Science and Drive: Your Career Pathway, build on the core technical skills participants learn through the Hustle Tech Foundations initiative. Last year, Hack the Hood partnered with Oakland Public Education Fund and Intel to teach 50 students from McClymonds High School and Oakland Technical High School basic tech skills.

Through the Hustle Tech Foundations initiative, the organization hopes to give young people a chance to practice their tech skills while helping small businesses that have little or no digital presence.

“We like to focus on building our local economy,” Ivery said. “We understand that small businesses don’t necessarily have the resources to employ someone to fill that need, so they often take on the task themselves.”

Ricky Rodas is a member of the UC Berkeley Graduate School of Journalism Class of 2020. Prior to joining The Oaklandside, he spent two years reporting on Bay Area immigrant communities as a reporter for local news sites Oakland North, Mission Local and Richmond Confidential. Rodas, who is Salvadoran American and bilingual, is on the Oaklandside team through a partnership with Report for America, a national service program that places reporters in local newsrooms to report on issues and communities. undercovers.

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