The best bank for small businesses offers business loans, free ATMS,various account types, merchant services, business credit cards, easy cash and mobile check deposits.It is also good to consider minimum balance, bank fees requirement to make sure they fit your financial desires.

Axos Bank

Axos Bank is consider best for Online only checking.This bank has choice for saving accounts, CDs, cash management services, plus money markets, checking accounts with no monthly fees.

Pros

• Small Business Interest Checking Account pays 1.01% APY.
• Pioneer in online only banking
• Unlimited free transaction each month.
• Saving accounts and Money market available to businesses.

Cons

• Small Business interest checking account offers only 60 deposits per month.
• Small Business Interest Checking account requires a $5000 daily average balance to avoid a $10 monthly fee.

U.S. Bank

U.S. Bank gives a silver business checking account choices with no monthly charges for up to 125 transactions per month.

Pros

• Bundles available for credit card, invoice, payroll servicing.
• No monthly maintenance fee

Cons

• Other checking accounts have large average balance requirements to avoid charges.

Wells Fargo

Well Fargo is one of the largest small business administration lenders for SBA loans.This has huge fee free ATMS networks.One of the largest branch network in the U.S.

Pros

• Offers HR, Payroll and business tax services.
• Extensive network in the USA
• One of the huge banks for small business administration loans.

Cons

• All business account charge monthly fees.
• Fined by the Consumer Financial Protection Bureau for fraudulent actions between 2011 and 2016.

M&T Bank

M&T Bank is a top 10 SBA lender with a variety of account choices.

Pros

• Five checking account choices to fit most business desire.
• Relationship manager review your small business desire.

Cons

• first 100 transaction each month are free in the simple checking for Business account.
• Only available in Washington DC and 12 East cost states.

Chase

Chase offers various facilities like mobile banking system,credit card options and locations.

Pros

• Online Banking
• Locations across country
• High value rewards credit cards

Cons

• $ 2,000 minimum balance to avoid charges.

Navy Federal Credit Union

Navy Federal offers the opportunity to save money with a business saving and checking accounts.

Pros

• Lower fees and higher interest than for profit banks.
• Features insurance and retirement for business employees and owners.

Cons

• Only for veterans, US Department of Defense workers, immediate military family members and active duty army personnel.

Large number of people in US are afraid of losing their Job. Job benefits and security are not that good that in the past.Starting your own business is less risky.Now the corporate America has changed. Here are some basic steps to start your own business without wasting your time and money.

Determine What Kind of Business What You Desire

There are 100 of different businesses each has its own advantage and disadvantage. Hotel or Retail Business? Customer of Business to Business? Service or manufacturing?

Write a Business Plan

There are various Business Plan available online.Business plan not to be long.Make it a single page and brief it should answer critical questions

• Who are my customers
• What is the purpose of my business
• How will I price my product, position, market and support my product
• What problem does my product solve?
• Who is my competitor
• What are my financial goals for business for next 5 years

Make Sure Entrepreneurship is What you desire

Starting a business is much difficult than starting a Job.It takes extra time for employment in a better way.You have to be self motivated make sacrifices when your business goes from startup to maturity. If you can not bear the burden of losing a Job or sacrifices than do not go for business.

Make Your Team

Your team consist of employee, like virtual assistant, a tax accountant, attorney, trusted advisors an insurance advisor.

Select a Business Structure

Determine whether you want to become a partnership, sole propreitorship, traditional corporation have a long effect on the future tax implication of your business.

Research Your Idea

Business is not a game.You must think methodically,intelligently research your idea.Do consumers and variables have substitutes.Does Your problem solve a problem?Is demand rising in future?One you completely determined than you must proceed.

Manage the Paper Work

Starting a business require paper work.

• Purchase business insurance before you start operations
• If you are women or minority owned business you may qualify for special government programs that can provide startup capital
• Get guideline from your state office of Taxation Website on which forms you need to be complete.Filing of license and registration from state governments.
• You must acquire domain name for your business .com,.net.org

Ultimate Thoughts on Initiating Your Business

When start a business it is great to set realistic expectations.There are going to be ups and down in every business whether you are selling digital products or physical products or offering a services.

Shipping companies can assist businesses by delivering order on time and at reasonable rates.They also help by providing logistic help and controlling inventory.

UPS

UPS is great option for delivering large packages. It offers shipping resources,competitive rates and instruction how to prepare goods for shipment.It has offered same delivery in some cases.Retail cost of a large flat rate box starts at a low rate of $21.Small businesses can get a discount of upto 50% for having a UPS account.Not all of UPS APIS can be used on facing customer websites.

EasyPost

EasyPost API is free to use for up to 120,000 shipment per year.Ability to shop prices with 100+ carriers.It has simple, automatic shipping method.It does not directly ship goods.If you have a higher volume of shipping you will need to get a quote from EasyPost on its Enterprise package.

ShipBob

ShipBob is a great option for Ecommerce Business.It control warehouse and inventory.The ecommerce software offered by ShipBob is free. ShipBob offers discount rate.It includes a full suitement of fulfillment services.ShipBob launches in year 2014.

Sendle

Sendle is great for small business shipping.Sendle shipping is 100% neutral.Sendle offers competitive prices on international and domestic packages upto 20 pounds.Sendle offers volume base discounts. It offers discount upto 80% at least 200 packages a month.It offers free pickup.Certified as a B corporation.No subscription fees for contract.Packages must be 20 pounds or less. Integration with amazon is unavailable.

DHL Express

DHL Express is best shipping for international businesses.It has expertise in international businesses.Detail service and rate guide.Huge resources to assist globally business.Various surcharges and optional fees.Cost depend on package size.

United States Postal Service

The USPS is leading shipping company in US.It delivers good within two to eight days.It has quite long time in the shipping business.Volume based discounts. Credits are available.Free APIs are available.Deliveries on holidays and sundays can cost extra money.

How much do shipping companies cost?

Cost depends on destination , how rapidly you need to deliver and package size.17 dollar to 21 dollar for large packet and small packet cost 8 dollar to 12 dollar.

How do small businesses Ship Goods?

Ground shipping is usual method for small business to ship their goods.USPS, UPS, Fedex, DHL are major carrier companies in US.

What is the cheapest method to ship for small businesses?

Easypost is best choice for shipping goods for small businesses

What shipping options do small businesses have?

UPS, USPS,DHL and Fedex are greatest carriers in the US.Small business can use API that make it easy to compare shipping prices

Bitcoin is a digital currency that is not controlled by government or bank. It serves as a method of payment.Satoshi Nakamoto develop the currency in 2009.Bitcoins serve as a method of payment and investment.Bitcoin can only be stored in a digital wallet.Best Bitcoin have some qualities such as friendly user interface, native swaps, durability, multiplatform usage, security, durability and ideal for investors.

Best Bitcoin Wallets of 2023

Trezor Wallet

Trezor support a wide range of crypto property.Touch screen is available.Trezor wallet is highly secure.It cost is high.Not for beginner.Security key is available on model T.Trezor is best hardware wallet for security, It allows user to store their crypto property offline. It prevent them from malicious online attacks.Wallet can be connected to smartphones and computers using USB-A cables or USB-C.

Trezor works on two models Trezor One and Trezor T.T Model is more expensive it has touch screen, advance backup and a security key.Trezor headquarter is in Czech Republic prague.Trezor is created in 2013 by Pavel and Marek.

Guarda Wallet

Guarda Wallet is a multi platform. It has visa card availability. It support four lacs crypto assets.It has excellent in security.High in app crypto purchase fee.Guarda is a popular multi asset wallet, supporting 50+ blockchains.Guardarian OU created in 2017.Licences in Estonia to available service in Europe.It permits in app purchase, borrowing and stake of crypto assets.Easy desktop app and mobile app easy to manage.

Electrum Wallet

Electrum has cold storage, highly secure, fast in speed and Multi signature feature.It supports only Bitcoin.It is not suitable for beginners.Created by Thomas Voegtting in 2011.Electrum headquarter in Berlin Germany.It is updated reqularly.It supports only Bitcoin making it difficult for investors. It has complex inteface.It enables cheaper and faster transactions.

What is Bitcoin?

Bitcoin is a digital currency introduce by a developer Satoshi Nakomoto it act as a money and form of payment without controlling by any government or bank.

What are the types of Cryptocurrency Wallets

The two general types one is non custodial and custodial wallets.Non custodials are wallets that give users sole custody of the private keys.Custodial wallets are hosted by third party companies that provide enterprise level data security system and hold user private key.

Crypto Wallet are hot and cold.Hot wallets have internet connection while cold wallet have no internet connection.

What makes a Great Bitcoin Wallet?

Crypto currency are stored in digital wallets.A great wallet has different outstanding features.These are user interface, native swaps.

How is Bitcoin Mined?

Mining is the process of adding a block to the blockchain.The miner who solve the mathematical operation first and correctly adds the blocks to the blockchain get a miner’s fee.BFGminer and CGMiner are two popular mining programs.

A bank statement is your document made by bank each month.Bank Statement show all the income and spending related to account.Generally bank statements include the following information

• Information about the bank, customer service number and instruction for reporting mistakes and scams.
• Personal identification like of bank account number, address and number.
• The balance for both start and final of statement duration
• All the withdrawals from your account like transfers,ATM withdrawals, bank fees and automatic payments
• All of deposits into your account including checks transfers, payments, reimbursements and direct deposits
• The period of time covered by your statement covers a month

Electronic Bank Statement vs Paper Bank Statement

Various Bank allow you to opt how you desire to receive your bank statements.You can receive an electronic bank statement to your account or paper statement in the mail.To get your electronic bank statement you must log in to your account and search for a bank statement navigation items.It is possible to save as a PDF on your computer or print it out.For paper statement some bank charges a fee.

How does a Bank Statement Work?

A bank statement is designed to show you accurately about your account during the previous month.It shows your expenses and spending.If you notice any mistake on your bank statement you should report them to your bank. Typically you have 60 days to counter any fraudulent thing.

Bank Statement initiate by grouping all deposits together giving you an idea what is coming into your account during the previous month.Your summary will show your balance at the start of the month, deposits are added and withdrawals are made. The Bank Statements will go on to watch transaction you involved in along with amounts, dates and payees.

Dogecoin is a cryptocurrency established in 2013.The digital currency has gained immense popularity in 2021.Dogecoin digital currency was inspired by a famous internet meme. The same meme image appeared on Dogecoin.Dogecoin is an opensource peer to peer cryptocurrency.Dogecoin runs on blockchain technology.Dogecoin initial start as a joke.

How to Invest in Dogecoin

You can purchase Dogecoins from any brokerage sites that trade it.Most popular cryptocurrency markets are Kraken and Binance and brokerages like Robinhood.You can buy Dogecoins using a debit or credit card.Binance and Kraken have a fee schedule.Robinhood provide commission free trading on cryptocurrencies.Transaction take 40 and 60 minutes.

Wallets

When you purchase any cryptocurrency you need to acquire a crypto wallet to keep it safe.Crypto wallet holds the private key to access your currencies on the blockchain.You can use external hard drive.These external hard drive are more safe because they store your keys offline preventing hacking.

Mining Dogecoin

Cryptocurrency mining can be done individually or group known as pool mining.Cryptocurrency mining occurs by individuals completing algebaric formulas and mathematical.Mining Dogecoins can be expensive.Dogecoin is unique from popular cryptocurrencies in the way it is mined.These coins are mined using Scrypt technology. Dogecoins have a block time of about one minute.It has a mining block reward of 10,000 dogecoins.Ther are more than 130 billions Dogecoins in circulation.

The Video game market has various professional jobs including writers and artists who have aim for games and responsible for the first stage of the production process.Technical Jobs like of engineers and programmers use coding and technology to become a reality.There are various job opportunities marketing finance,quality insurance and customer support.

Video Game Artist

In Video Game Artist play a key role.Artists are involved in production and reproduction stage of video game development.Artist create the art which technical roles can build from.Artists are responsible for creating the visual elements of the game from the characters to setting.

There are various types of artist who work on video games including character designers, UI Artists, texture artists, animators and enviroment artists.Someone working as an artist in video industry will have attended art school.Average video game artist total pay is $91000.

Video Game Writer

Video Game Writer handle the storyline.Video game writers create text and scripts for game.It is important in playing games and heavily reliant on dialogue for baseline.The average annual pay for video game writer is $92000.

Video Game Producer

One of the key role in the video game market is the producer who is responsible for bringing the project from initiate to end.Responsibilities of a video game producer include meetings, keep the project schedule, communicate with all parties involved, programmers and artists to the executives.At least Bachelor degree is required for Video Game Producer.

Product Manager

Project Manager is the product manager communicates with stakeholders,executives and parties to ensure the project will be profitable for the company and need of market.Product Manager have at least a bachelor degree.

According to Fortune 500 CEO most popular journalist and US Senators majored in English.English major is decreasing past ten years.

Top 10 Jobs for English Majors

Librarian

English reading skills assist librarian to rapidly review book as they decide upon criteria.English majors help how to compile information for papers and librarians spend huge time guiding patrons regarding research projects.The organizational skills and orientation of English Major assist librarian to build efficient systems for shelving books and catalog.

Lawyer

Lawyers compose memos, contracts, courtroom agreement and legal documentation.English majors writing skills and ability to construct language, position them to rank up in these aspects of legal work.To pass the bar exam students must be expert in English.English major help law pupil to draft arguments about legal cases and precedents.

Social Media Manager

Social Media Managers select content developer and bloggers with whom to affiliate and they need to control these relationships.The critical reading skills of an English major assist them to chose quality writers and provide feedback of these individuals.

Public Relation Specialist

Public Relation Specialist make a attractive picture of client in front of media and make a berth in newspaper,television, radio station.

Teaching English

English majors make you fluent in English language, grammar and vocabulary.English majors gets job by international language organization including the peace corps as English teachers.They will qualify as an ESL instructor domestically in public school system.

Technical Writer

Technical writer prepare manuals about the use of services and products. English majors assist them to write precise and simple language.Technical writers Technical Writer revised feedback as they revise documentation.

Content Manager

Content Manager have a bird eye view of every content publish newspaper and magazine.Content managers work as an online creator.English major know their audience that will appeal to readers.They must be abide by deadlines.

Grant Writer

Grant Writer are storyteller.Research and reading skill are basic parts of Grant Writer.

Fundraiser

Fundraiser engage donors, assess their interests and help communications that have best chance of generating contribution.Development staff write content for websites and brochures.Fundraiser draft letters of appreciation and articles recognizing the donors.

A biology degree has various Jobs options.If you are pupils interested by study of living thing. Graduation in biology is a best option for them.

Biochemist

Biochemist play a major role in the rapid growing field of biochemical research and biotechnology.Biology study train them with scientific research skills, knowledge to design and execute studies.

Anatomy and physiology assists biochemist to understand the impact of biotechnology solutions and drugs solution on the human body.Writing skills and presentation growth as a biology major assist them to present and findings sources.The BLS reports says biochemists earned a median annual salary of $102000.

Biological Technician

Biological Technician use the techniques and laboratory skills that biology major learn in the labs,collaborative research and academic research faculty.Technician perform studies that gives correct results.They perform calculations and document results compiling report as a biology major.According to BLS biological technicians earned a median annual salary of $48000.

Financial Analyst

Financial analyst evaluate mutual funds, bonds, stock and investments for businesses and clients.Biology major can use their mathematical techniques to assess the success of investments.Most analyst focus on biology majors and specific industry work as analyst in biotechnology, enviromental companies, health services and medical product.

Financial analysts, like biology majors, computer based resources to analyze and data to draw results.A bachelor degree is enough for initiating career as a financial analyst.According to BLS reports financial analyst median annual salary of $81,000

Health Educator

Health educators teach people about behaviors and practices about promote wellness.They must be capable to solve difficult queries and interpret research about public health.They use the scientific method so they can design relevant programs.Health educators need a solid human biology as well as verbal skills to convey scientific information in a language that end user easily understand.

Health educator write about scientific topics like safe sex, stress reduction and substance abuse.They need strong written communication techniques.According to BLS Health Educator median annual salary is $48000.

Health and Medical Services Manager

Health and Medical Services Manager spend their time interactive with health service providers and able to talk with them about procedures and scientific policies.They must be able to translate scientific regulation related to medical programs and services.

Health and Medical Service providers often evaluate, supervise and hire health professional researchers.They must be able to understand the performances of employees and candidates.According to BLS median annual salary of health and Medical Service Managers is $101.

Genetic Counselor

Genetic Counselor assess the genetic makeup for communicate and clients makeup about the risk of transmitting a genetic disease. They might work with adults showing symptoms of genetic disorders.They must have an advanced aptitude in biology to complete the master degree in discipline.According to BLS genetic counselors earn a median annual salary of $80,000.

Most of the best Jobs in the banking require a bachelor degree.It is also possible to start a job in banking with just a high school diploma if you opt an entry level job like of bank teller.There are various jobs available in the banking industry with salaries ranging from $36,000 to $90,000.

Banking Career Choices

You can chose from a various options of banking career.They are loan officer and bank teller.https://edition.cnn.com/

Top 10 Banking Career

Bank Teller

Bank tellers are the first person a client looks in their banking business.Bank Tellers accepts deposits, cash checks and process account withdrawals.According to BLS bank tellers earned a median per annum salary of $36,000 in 2021.Various bank tellers have a high school diploma.Bank tellers with bachelor degree is helpful for those bank tellers who desire to become a loan officer or bank manger.https://www.nerdwallet.com/

Auditor

According to BLS auditors annual salary is $77,000.Auditors review records, compliance with regulations state and federal laws.Bachelor degree is minimum qualification required for auditor

Personal Financial Adviser

Personal financial adviser assists individuals control their income to meet their long term and short term aims.From planning how to pay for college, identify various choices and assist individual make most of income like special tax exemptions.According to BLS personal financial adviser earned a median annual salary of $94000.

Financial Analyst

Financial Analyst help individuals to make investment decisions.Bachelor degree is requirement master degree is preferable.According to BLS median annual salary is $81400 in 2021.

Treasurer

Treasurer control a company goals, objectives and finances.They control the company budget and overlook investment expenditures and strategies.Treasurer annual salary is $80,661.Treasurer positions eligibility criteria is PhD or master.

Relationship Manager

These professionals develop and control client relationships.They have strong knowledge of bank services and products and be able to convey the advantage of these clients potential.This Job require a bachelor degree. Relationship manager earns annual salary of $86466.

Branch Manager

Branch managers overlook training staff, include hiring and operations.Branch Manager set sale goals and control the branch budget.Branch manager earn median annual salary of $61000.

Collector

Collector manage accounts and keep tracks of bills and attempt to collect past due invoices.Bachelor degree is best for this job.High school diploma is minimum requirement.Collector earn an average annual salary of $42000.

Loan Officer

Loan Officers assist people apply for loans and identify mortgages to personal loans.They evaluate the client income, worthiness and history.Loan officers have education and background in finance.Loan officer is best choice if you working with people.BLS loan officer earned a median annual salary of $63,000.

Accountant

Accountant analyze,plan and evaluate business income and expenditure.Various accountant have master degree and bachelor degree is minimum. According to reports of BLS accountant earned a median annual salary of $77000.

According to BLS survey many jobs give high incomes for women such as law, management, health care are among the best money making careers.The gender gap pay exists. However gender gap pay decrease with the time.Women now earn 82 cents for every dollar men earned.

Lawyer

Lawyers represent government organizations, non profit companies, individual customers and clients on legal matters.Female attorney earn a median annual salary of $86500.You need a four year bachelor degree and three year of school training to become a professional lawyer.In order to work in America lawyer must pass their state bar examination.

Doctor/Physician

Doctor/Physicians diagnose medical conditions,prescribe medicines, make treatment plans and examine patients.Physicians are often specialize in various fields such as medicine,surgeon,orthopedic etc.According to report of BLS physicians earn a median annual income of $99000.

CEO

Chief executives plan, manage and overlook an organization operations.They work to ensure that their organization gain their targets.Generally CEO earn the highest salary of all management jobs. Their Job is demanding long working hours. They are responsible for success of organization.Chief executives work in a private and public sector jobs.

Nurse Practitioner

Nurse Practitioner provide either secondary or primary healthcare.They have at least a master degree in field and a state license.They are known as advance registered practice nurse.Nurse practitioner overlook patient care.They work jointly with physicians or solely.Women Nurse Practitioner earn median annual salary of $97000.

High School and Elementary School Teacher

Women in US in large number employed with teaching profession. They earn handsome salaries. At least a Bachelor degree in one subject is good for professional teaching at high school level. You need some type of teaching diplomas and pass exam tests at state level to recruit as a teacher.

Pharmacist

Women are by nature very caring creature. Medicine profession is one for them.Pharmacist manage and dispense medicines to patients who get a prescription from their physicians.Pharmacist advice on medicine usage.Pharmacist possess Doctor of Pharmacy Degree and must be licensed.Pharmacist can get license by passing two professional exams.

Pharmacists work in drugstore pharmacies and grocery while other are employed in clinics or hospitals.Women make a median income of $112000 per annum.

Human Resource Manager

Human resource managers overlook hiring,recruiting, interviewing new person for an organization team.Human resource workers ready to handle workplace disputes and ready to solve problems.Women human resource manager earn a median annual income of $83000.They oversee employees payroll,training and benefit.

Mobile App Developer

Mobile App developer design and creates various mobile apps such as games etc.They writer code to improve mobile apps.The job is growing for next decades.Women Mobile App Developer earn handsome pay packages in this field.

Engineer

Engineer repair,modify and design electrical, computer, chemical, physical structure.They specialize in sector electrical,computer,mechanical and civil engineering.Their income approaches to six figures. However income varies with the engineering field.Women Engineer earns a median annual income of $72000.

Information Technology Manager

They implement, manage and analyze computer related projects.They overlook system database, software and hardware company IT approaches and planning.They possess a special IT graduate degrees. Women IT manager earn a median annual income of $99000.

Web Developer

They design and develop website. They need to expert in web languages and coding such as php, javascript. They often work on various website platform such as wordpress, joomla. Women Web developer earn hefty salaries.