Category: Brandpoint Business & Finance

2026-04-28T13:26:30

(BPT) – As small businesses across the country grapple with rising costs, payroll volatility, and global uncertainty, many are seeking new ways to adapt and thrive. The latest Chase Small Business Pulse report paints a nuanced picture: while profitability for the median Chase business remains stable, the pressures of payroll and non-payroll expenses are mounting, and the impact of higher fuel prices is already rippling through sectors like freight trucking.

Payroll: A Barometer of Optimism and Challenge

Payroll trends offer a window into the mindset of small business owners. After a sharp decline in January, payroll growth rebounded in February 2026 — a sign of renewed optimism and a willingness to invest in talent. This growth was not uniform, however. Sectors such as finance, construction, and transportation saw the highest median payroll growth rates, while others lagged behind, reflecting an uneven recovery and persistent caution in parts of the economy. Meanwhile, non-payroll expenses remain historically elevated, adding another layer of complexity to business planning.

Technology as a Lifeline

In this environment, technology is emerging as a lifeline. Digital solutions like Invoicing with QuickAccept, contactless payments, cash flow tools, and industry insights are designed to give leaders greater visibility and control, which are essential in a world where volatility is the new normal.

Jameson Troutman, Head of Product at Chase for Business, sees this shift firsthand through years of working with small business owners. “We hear it directly from small businesses every day; new technology is playing a major role in bolstering their operations.” He added, “Chase for Business is dedicated to providing practical support and tools to help customers navigate key business decisions, such as cash flow challenges and tighter margins. Our job is to empower small business owners through tools, expertise and business solutions to allow them to manage and strengthen their businesses.”

Not All Businesses Face the Same Headwinds

The data also reveals that not all small businesses are affected equally. Women-owned businesses, for example, are navigating even greater unpredictability: 68% report unpredictable revenues, and many have far less cash on hand than their male-owned counterparts. These disparities underscore the importance of accessible, practical support, both digital and human.

Beyond Technology: Building Community and Confidence

Chase’s commitment extends beyond technology. Through in-person events like The Experience and national JPMorganChase programs such as the American Dream Initiative, Chase is bringing small business owners the resources, coaching, and community connections to help build resilience and confidence. It is all of these resources and support that Chase for Business provides that is the reason that more small business owners choose Chase than any other bank.

Looking Ahead

In today’s dynamic environment, optimism remains a hallmark of entrepreneurship, but it’s clear that resilience is built on more than hope. With the right tools, guidance, and support, small businesses can navigate uncertainty and move forward with confidence. Chase for Business is betting big on that future, investing in the solutions and partnerships that will help America’s small businesses not just survive, but thrive.

2026-04-28T07:01:00

(BPT) – May 2 is National Life Insurance Day. For millions of Americans, now is the time to re-examine your current policy or think about applying for one. Even though most people think life insurance can be complicated, the need has never been greater. Only 51% of U.S. adults have a life insurance policy, representing a $14T coverage gap in the United States (Greenwald Research), and nearly 41% of adults in the U.S. are somewhat or not at all knowledgeable about life insurance (Life Happens and LIMRA).

Don’t be intimidated. It’s important for everyone to protect their income, assets and loved ones from life’s uncertainties.

Life insurance has also changed drastically over the years to include new living benefits policyholders may potentially take advantage of while they are still living to help pay for costs associated with certain serious qualifying illnesses, caregiving responsibilities and other life events.

According to National Life Group, there are several key things to consider as you decide if you need coverage or should update an existing policy.

Key questions for those without life insurance:

Does anyone depend on you financially?

If so, it may be a good idea to explore life insurance options to financially support your dependents should anything happen to you.

Are you a parent/grandparent or a caregiver for dependents or elderly parents?

Parents and grandparents should plan ahead to understand what options are available for estate planning and their children’s future. Additionally, caregivers of elderly parents may be able to take advantage of certain living benefits of their life insurance policy for support.

Do you have any debt you co-own or are co-signed with? (including a mortgage)

If you have a significant amount of debt you are co-signed with another party (the most common being a mortgage) without coverage, they could be left holding the bill for the entire debt.

Do you have an estate that needs protection?

It’s smart to have protection in place as part of a dedicated estate plan to ensure the quick, amicable and seamless transfer of wealth from one generation to the next.

Key questions for those with life insurance:

Have you started a family or have family members that are financially dependent on you?

If you recently started a family and have an existing policy, it may be worth speaking with your agent to ensure your new family’s coverage needs are met. Your dependents can include anyone from children to parents to siblings with special needs.

Have you purchased a new home, changed careers or received a change in salary?

Significant changes in your income may require a new look at your existing policy to ensure your coverage works for you.

Is your policy several years old and has not been recently reviewed?

Ask your agent to see if you are eligible for new benefits or policy riders. Insurance partners are frequently adding new benefits or features for their policyholders. If your policy isn’t automatically enrolled in new features, it may be time to speak with your agent to review your current policy.

Whether you already have a life insurance policy or are considering one, answering these key questions will help as you decide if you need coverage or should update your existing policy. For more information, visit www.nationallife.com.

Living benefits are provided by no-additional-premium Accelerated Benefits Riders (ABRs). Payment of accelerated benefits will reduce the cash value and/or death benefit otherwise payable under the policy. Receipt of accelerated benefits may be a taxable event, may affect your eligibility for public assistance programs, and may reduce or eliminate other policy and rider benefits. Please consult your tax professional to determine the tax status of any benefits paid under this rider and with social service agencies concerning how receipt of such a payment could affect you.

Riders are supplemental benefits that can be added to a life insurance policy and are not suitable unless you also have a need for life insurance. Riders are optional, may require additional premium, and may not be available in all states or on all products. This is not a solicitation of a life insurance policy.

The companies of National Life Group and their representatives do not offer tax or legal advice. For advice concerning your own situation, please consult with your appropriate professional advisor.

TC8884862(0426)1

2026-04-27T08:01:00

(BPT) – Learning about money was once a hands-on experience. Kids counted coins, put dollar bills in a wallet and dropped spare change in a piggy bank. Saving, spending and budgeting were tangible, making those lessons easier to understand.

Today, money matters are much different. Purchases happen with a tap, a swipe or an online checkout, and few physical reminders indicate that money is being spent. For kids, it can be difficult to understand where money goes, how quickly it adds up and why small decisions matter.

Fortunately, financial literacy basics haven’t changed. Kids still need to learn how to save, spend wisely and make thoughtful decisions. Parents may just need to rethink how they teach those lessons, and the following tips can help.

Help kids see where the money goes.

If money feels invisible, parents can find ways to make it more visible. That can be as simple as sitting down together and looking at a balance, reviewing a recent purchase or checking progress toward a savings goal. When kids see what comes in, goes out and remains, they can connect spending decisions with outcomes.

Everyday banking tools can serve as practical learning tools. For example, ICCU youth accounts have free automatic parent transfers, alerts and transaction history, which can support family discussions about saving and spending in real-time.

Use everyday money moments to talk about choices.

Financial lessons don’t need to be formal or delivered all at once. Often, the best lessons happen in the middle of ordinary moments. If a child asks for a treat at the grocery store, wants to buy something online or wonders why a purchase was postponed, parents can use these types of natural openings to talk about money and choices.

Conversations may address distinguishing between needs and wants, deciding if one purchase matters more than another, or weighing whether spending money now means waiting longer for something else. Such discussions can help children understand trade-offs, priorities and planning ahead.

Give children opportunities to practice with guidance.

Kids learn a lot by doing. Once equipped with a basic understanding of saving and spending, it can be helpful to give them opportunities to practice managing money with some oversight.

They may want to set aside money they receive as gifts and watch their savings grow. Or, they may consider where to spend their savings and how much. The amount doesn’t need to be large to be meaningful. Kids simply need a chance to ask questions, make decisions and learn.

As children grow, conversations about money may shift toward earning. Kids can be encouraged to do chores or find jobs around the neighborhood, such as pet-sitting or yardwork, to earn extra money for their expenses. Parents can check in regularly and keep talking through choices as they come up.

Talk about safely managing money.

Teaching kids about money involves addressing how to handle digital tools safely for their protection. As they get older, they may use conveniences like a debit card, digital payments or online banking.

Parents should cover keeping personal information private, paying attention to account activity, and asking questions and speaking up when something seems off. Tools and protections such as zero liability protection, which is often offered through card networks, can be part of a safety net, but kids should learn responsible habits from the start. Understanding how to use money and how to protect it can put them on a stronger financial path.

Managing money may look different than it once did, but one thing remains the same: When kids gain a strong understanding of how money works and how to make smart choices early, they are better prepared to build strong habits for a lifetime.

2026-04-27T08:05:00

(BPT) – Can you remember the last time you undertook a creative activity or project? If it’s been a while, don’t blame yourself. You might be tempted to attribute it to a lack of motivation, but — more likely than not — you’re feeling foggy, drained and uninspired because of digital overload.

The seemingly endless stream of notifications, emails and updates can make it difficult for your brain to turn off and rest, leading to mental fatigue. This fatigue can be the real culprit that keeps you from performing the hobbies that once brought you joy.

The good news? There’s a simple way to help clear the mental fog. Take a step away from the screens and engage in a restorative, analog act: Writing with pen and paper.

Writing by hand can help ground you, encourage you to think more creatively and empower you to act on your ideas. It’s the perfect way to start an energy reset and intentionally form a new habit that can feed your creativity.

Get started with these simple yet engaging practices to spark your energy and create momentum.

Ease your brain into writing with a ritual

Do you find it difficult to launch straight into a relaxing or creative project when you’ve just finished work for the day? It’s not your fault. Your brain needs help transitioning from one task to another, especially when they’re completely different types of activities. Thankfully, you can cue your brain to switch from work mode into creative mode with simple rituals that reduce the mental friction of getting started.

Create an environment that allows you to relax and leave the worries of the day behind. Turn on soft lighting, put on a curated playlist, pour a fresh cup of tea or coffee and grab a notebook that makes you feel excited to put pen to paper. It’s an easy way to train your brain to reset, so you can focus and tap into your thoughts, feelings and creative ideas.

Boost your mood with intentional color choices

Color is more than just an aesthetic choice. It has the power to shift your mood, energy and mindset, and — ultimately — fuel your creativity.

This isn’t speculation; it’s color science. Many studies have shown that different colors can evoke different emotions and stimulate different cognitive functions. For example, blues can create a sense of calm and focus, yellows can inspire optimism and creativity, and reds can stimulate energy and action. That means that the color you choose can help you tap into the mood-boosting and focus-enhancing effects of that hue.

Activate your energy while writing by choosing sun-kissed shades like reds, oranges and yellows to fuel your vitality, motivation and ideas. A tool like the G2 Boost Energy Pack can help integrate color science into your life by giving you the power to supercharge your energy and attitude for creative ventures.

This intentionally curated energy toolkit is thoughtfully designed to support your mood and creativity. The pack features shades of red to stimulate alertness and action, orange to encourage enthusiasm and yellow to spark optimism and idea generation. By incorporating this curated set of pens into your writing ritual, you have the tools to enhance the energy and momentum of your day.

Feeling overwhelmed? Take your thoughts outdoors

In a world where stimulation is everywhere, it’s easy to feel overwhelmed and distracted. Instead of trying to fight through the mental fatigue, try writing outdoors to restore your attention, mental clarity and creativity.

Connecting with nature has a grounding effect on your body and mind. In fact, studies have shown just 20 minutes in nature can significantly lower your stress hormone levels.

Take a walk in the park or nature preserve with a notebook and pen in a meaningful color and find a quiet spot. Take a moment to revel in the rejuvenating power of fresh air, sunshine and the feel of grass underneath your feet. Start by listing what you see, then write down how each item from that list makes you feel. You’ll quickly find that pairing nature with writing by hand can be the perfect remedy for mental overload.

Surprise the group chat with letters

Writing letters by hand forces you to slow down and think deeply about your loved one, cultivating a deeper connection. Instead of relying solely on digital communication to keep up with friends and family near and far, try to reconnect by sending handwritten letters.

Digital communication is convenient, but it can also be impersonal and fleeting. However, when you write and send a letter, you can show the recipient that you care for them in a lasting, tangible way. Your friend or loved one will have a lasting memento that they can hold and reread again and again.

Choose stationary or notecards that feel special — whether through inviting colors such as blue that can promote productivity or green that signal a calm and balanced tone — or playful details to help you look forward to letter writing. Select vibrant pen colors like those from the G2 Boost Collection to reflect or enhance the emotional impact of your words.

Capture inspiration without digital distractions

Have you ever had a brilliant idea that you attempted to save to your notes app, but got distracted by notifications before you could capture it? Don’t let your ideas fly away. Stay in the moment and capture your ideas quickly on paper.

Whether you’re at your desk, in the kitchen or out running errands, keep a notebook or notepad nearby. Not only will you be able to quickly record your ideas, but the physical act of writing also strengthens your memory pathways so your ideas can stick. When you have time, you can flip through your notebook and let your ideas build creative momentum.

Build creative moments and energy with intention

Think of creativity and energy as muscles you can activate and strengthen with intentional practices like writing by hand. While it may be challenging at first, tailoring your environment and routines to prioritize writing can spark ingenuity, sharpen your focus and drive your desire to create.

To explore more energizing tools to support your writing and cultivate creative ideas, visit PowerToThePen.com.

2026-04-14T14:45:00

(BPT) – Recycling programs continue to improve and become more accessible, increasing opportunities for everyone to do their part in giving materials a second life and reducing waste. In 2025 alone, nearly 2.5 million additional households gained the ability to recycle food and beverage cartons.

In honor of Earth Month this April, learn how the simple act of carton recycling can reduce the amount of waste that ends up in landfills, plus creates valuable products. This helps to reduce the demand on limited resources as well as the environmental impact of extracting those resources.

Beginning with recyclable materials

To ensure recycling is possible, it’s vital for companies to start with materials that can be repurposed after their primary use is done. With this goal from the start, Tetra Pak^® designed their food and beverage packages with their second life already in mind. The average Tetra Pak carton is made from 70% paperboard, a renewable material derived from responsibly managed sources, such as from Forest Stewardship Council^® (FSC^®) certified forests and other controlled sources. This special packaging protects its contents and is recyclable for the majority of U.S. households.

Tetra Pak has worked to promote and encourage more effective widespread recycling programs. In 2009, the company joined with other carton manufacturers in the U.S. to establish the Carton Council, an organization committed to increasing the number of cartons that are collected, sorted, and recycled. The Carton Council aims to build a sustainable infrastructure and to continue advancing carton recycling throughout the country.

What happens to cartons in their second life

By recycling your cartons, you’re not just reducing what ends up in a landfill, you’re helping create new products, such as tissue products, writing paper and even green building materials.

Once cartons have been collected, they are taken to the local materials recovery facility (MRF). There they are sorted and baled, and those bales are sent to recyclers where they can follow one of two paths: being sent to a papermill or to a building materials producer.

The most common path leads cartons to papermills, where they are turned into pulp by a hydrapulper. The pulp is then rolled into thin sheets and is used to create tissues, toilet paper and writing paper.

Cartons that go to a building materials producer are shredded, then pressed under high heat into long-lasting, green building materials for roof systems.

You can see the entire process by watching this video.

What you can do

Food packaging plays an essential role in protecting food safety, food quality and extending shelf life to reduce food waste. But, once it is done protecting food, it needs your help to make it to the recycling bin. This Earth Month, learn more about carton recycling at Tetrapakusa.com. To find a carton recycling center near you, go to RecycleCartons.com/carton-recycling-locator.

2026-04-13T07:01:00

(BPT) – Imagine this: It’s a chilly evening, and you’ve been counting down the minutes until you can step into a long, relaxing hot shower. The water feels perfect, steam rising, when suddenly the warmth disappears and you’re hit with an icy blast that sends you scrambling for the faucet.

Nothing snaps you out of your comfort zone faster than running out of hot water.

Hot water isn’t just a household must-have, it’s one of the foundations of whole-home comfort. That’s why choosing the right water heater matters. The model you bring home isn’t just another appliance purchase; it’s an investment in everyday peace of mind. The right water heater helps ensure your family always has the hot water they need for showers, baths, dishes, laundry and all the moments in between.

Because when comfort starts with reliable hot water, everything at home just feels better.

Lennox in hot water

Lennox has introduced a new line of water heaters designed to give homeowners reliable comfort, long-lasting performance and peace of mind. Built with the same focus on quality that homeowners expect from Lennox, these water heaters offer a dependable new option for everyday living.

Each model features durable steel construction and is glass-lined with PermaClad^® to defend against corrosion, one of the most common issues that can lead to early water-heater failure or costly repairs.

Select models also include smart protective features like a SediMotion™ System to prolong tank life by reducing sediment buildup, FillSafe Protection™ that helps keep internal components safe if the tank isn’t filled correctly and LennoxLock™ flammability protection. All of these elements work quietly in the background to support long-term performance and make home comfort feel effortless.

There’s also a major advantage when it comes to energy use. Lennox heat pump water heaters are designed to help reduce the amount of energy needed to heat water, which can help lower monthly utility bills. And on select models, app-enabled controls let you monitor and manage your water heater, and even your thermostat, right from the Lennox Home app, bringing more convenience and control to your everyday routine.

Get ready for years of comfortable, worry-free living

A reliable water heater does more than just deliver hot water. It can be part of a connected home comfort ecosystem that you can count on for years to come.

To learn more about Lennox’s new line of water heaters or other offerings, visit Lennox.com.

2026-04-08T14:31:00

(BPT) – For many people, filing their taxes is something they put off and don’t understand. In fact, according to a recent TurboTax survey, two in five Americans don’t fully understand what’s in the new tax bill and more than one-third worry they’ll be worse off. Despite apprehension surrounding the new tax bill, filers could see up to a $1,000 refund increase or lower balance due, so there is no reason to delay filing.*

Plus, filing your taxes doesn’t have to be complicated and you may be able to file your taxes absolutely free when you use TurboTax Free Edition. About 37% of filers qualify. If you have a simple tax situation, meaning you file Form 1040 only (no schedules, except EITC, CTC, student loan interest, and the new schedule 1A) you can qualify. While some services create the perception that they are free, they don’t actually provide completely free federal and state returns, creating confusion for taxpayers. TurboTax Free Edition is absolutely free federal and free state DIY filing for those who qualify.

All you’ll need to do is gather your documents, answer a few questions, and TurboTax will do the rest to get you your max refund you’re eligible for.

Not sure if you qualify? Check out what qualifies as a simple tax return for TurboTax Free Edition below assuming you don’t have other tax situations, saving you time, money and stress.

W-2 income

If you have an employer or employers you will have income reported on Form W-2.

By Jan. 31 (or the next business day if this falls on a weekend) your employer should have sent your W-2 income form. This form contains your earnings, tax withholding, benefits and other important tax information. With TurboTax Free Edition there are no W-2 income limits.

You can snap a photo of your W-2 to jump start your taxes and your information will be imported to the right tax forms. TurboTax also partners with hundreds of payroll providers and financial institutions allowing you to import your W-2 information directly from your payroll provider, eliminating manual entry and streamlining doing your taxes.

Interest, dividends or original issue discounts

If you received interest or dividend income or original issue discounts reported on Forms 1099-INT, 1099-DIV and/or 1099-OID, the income reported on these forms is covered by TurboTax Free Edition as long as these forms don’t also require filing a Schedule B.

You may receive these forms if:

• A bank, financial institution or other entity pays you at least $10 of interest.
• Investments like stocks or mutual funds paid you dividends.
• Certain types of bonds that were issued at a price less than the value you can redeem them for once the bond matures.

Standard deduction

Filers with a simple form 1040-only who claim the standard deduction can file using TurboTax Free Edition. In fact, about 90% of filers claim the standard deduction instead of claiming itemized deductions which are deductions like home mortgage interest, property taxes, and state and local taxes. For tax year 2025 the standard deduction is $15,750 single, $23,625 head of household, and $31,500 married filing jointly. The standard deduction is a specific dollar amount that can be deducted that reduces taxable income. Each year, the standard deduction amount typically goes up to keep pace with inflation and varies according to your filing status. There are also additional standard deduction amounts for age 65 and over and/or blindness.

Earned Income Tax Credit

The Earned Income Tax Credit (EITC) is a credit for people who work and earn low-to-moderate income. You may qualify for the EITC with:

• Earned income up to $68,675 and you file married, filing jointly.
• Earned income up to $61,555 and you file single, a qualifying surviving spouse or head of household.

Beyond income and filing status, whether you have kids and how many kids you have impact how much of a credit you can get. EITC can be a substantial credit. A family with 3 or more kids can get a credit up to $8,046 depending on income.

Child Tax Credit

Certain families with children under 17 may qualify for the Child Tax Credit (CTC). For tax year 2025, you could receive a credit of up to $2,200 for each dependent child under 17.

Student loan interest deduction

If you’re a student who paid student loan interest, you can deduct up to $2,000 in student loan interest if you otherwise qualify for TurboTax Free Edition. You can even claim the deduction if your parents paid your student loans for you as long as your parents don’t claim you as a dependent.

Tips, overtime pay, car loan interest and senior deduction

Under the One Big Beautiful Bill, new deductions were passed and a new schedule, Schedule 1-A, was developed where you claim the new deductions. TurboTax Free Edition covers schedule 1-A and allows you to claim the new deductions. You may qualify if you:

• Received qualified tips
• Earned qualified overtime pay
• Took out a loan to purchase a car for personal use assembled in the U.S.
• Are a senior 65 years old or over

When filing with TurboTax, you will be asked simple questions to determine if you qualify for the new deductions, schedule 1-A will automatically be filled out, and you will get the deductions you’re eligible for.

Taxable qualified retirement plan distributions

Did you receive a distribution of more than $10 from a retirement plan? If so, you should have received a Form 1099-R which indicates your distribution, taxable amount, and any taxes withheld from IRAs, pensions, annuities, or insurance contracts.

Income tax on most retirement plan contributions is deferred. This means you won’t pay taxes on the amount you put into the fund until you withdraw from the account.

Some retirement plan distributions that you may not be taxed on include:

• Rollovers
• Loans
• Exceptions for early distributions
• Qualified withdrawals from Roth IRAs

Are you ready to file for absolutely free?

If your taxes fit into the above mentioned situations with no other complexity or forms, you can easily and accurately file both your federal and state taxes absolutely free with TurboTax Free Edition. If you qualify and haven’t filed yet, there is no reason to delay getting closer to your maximum refund for free. You can file up to 11:59 p.m. on the April 15 deadline and meet the tax deadline.

*According to a recent study from Piper Sandler.

2026-03-31T13:01:00

(BPT) – As tax filing deadlines approach, many Americans are turning to artificial intelligence (AI) for help. While general-purpose AI tools offer quick answers, financial experts caution that for complex issues like tax preparation, only secure, purpose-built AI trained by human experts can guarantee accuracy and protect sensitive data. Here are four things to keep in mind before you file:

1. The Crucial Difference Between General-Purpose AI and Tax-Specific Expertise

Many consumers think all AI is equal, but general-purpose AI, which scans the open web, lacks the deep, specialized knowledge required for tax compliance, operating as a sophisticated search engine, not a licensed accountant. Unlike these open platforms, Intuit’s AI that powers TurboTax is purpose-built and trained by tax experts specifically for tax preparation.

As Enrolled Agent (EA) Liz Hanley notes, “General AI is a great search engine for tax questions, but it can miss crucial nuances. It might tell a parent all about a credit, but a tax professional knows their income phases it out completely. Without seeing the full picture, that generic AI response is not only inapplicable, it could lead to an incorrect filing.” Only AI-powered financial platforms informed by experts can put a guarantee on their outcomes.

This risk is why the IRS recently shared that “taxpayers should not rely on AI-generated responses to complex tax questions, and they should verify any calculations or information provided by artificial intelligence.”*

2. The Power of AI + HI: Expert Training and Seamless, Trusted Support

AI is a powerful tool for direction, but expert knowledge provides the necessary protection, especially for finances, ensuring you achieve your best possible tax outcome. Human Intelligence (HI) is foundational at Intuit; it is what trains its proprietary AI to be specifically accurate for tax prep, and it is also available as an option for support. Intuit’s Consumer Platform fuses Credit Karma and TurboTax with Agentic AI and human intelligence (AI + HI), using its purpose-built AI to automate the time-consuming heavy lifting while ensuring you have a clear path to human expertise when you need it.

“The future of finance is not about AI versus human experts; it’s about a seamless experience where technology is the catalyst for certainty,” said Mark Notarainni, EVP & General Manager of Intuit’s Consumer Group. “Our consumer platform combines the speed of AI with our unmatched virtual expert network of 15,000 experts to deliver the trust and protection our customers need when the stakes are highest.”

3. Walled Garden: Don’t Risk Your SSN on General-Purpose, Open Platforms

Just because AI is accessible doesn’t mean it is safe for private data. General-purpose AI platforms often use the data you give them to train future versions of the software — putting your sensitive financial information in the wild. You should never input your Social Security Number, bank details or specific income into an open platform. Always look for a secure, encrypted financial ecosystem, like Intuit TurboTax, designed specifically to protect your identity and keep your data private while leveraging our expert-trained AI.

4. Filing Your Way: Expert-Trained AI Supports Every Path

The power of a purpose-built AI extends to every way you choose to file, whether you prefer the self-serve path or want an expert to do your taxes for you. Intuit’s AI is a second brain for its 13,000 tax experts as well as a personalized guide for its DIY filers, ensuring every calculation is deterministic and accurate.

General-purpose AI is a fantastic tool, but for managing money and building wealth, you need a system where Human Intelligence trains the AI, and data security and privacy is of the utmost priority. Integrated AI technology and human expertise can securely and accurately unlock the confidence to make smart financial decisions.

*https://www.irs.gov/newsroom/a-deeper-dive-into-the-dirty-dozen-taxpayers-stay-alert-in-peak-filing-season

2026-03-30T08:01:00

(BPT) – How to use your business credit card rewards as a catalyst for stability, efficiency, and team success

Running a small business means making smart choices about where to invest your resources. Sometimes, the most overlooked opportunities are right in your wallet. Today’s business credit cards do more than process payments. They help entrepreneurs manage expenses, streamline daily operations and turn everyday purchases into valuable rewards.

With so many competing priorities, like covering day-to-day expenses, investing in growth, supporting your team and preparing for the unexpected, finding extra funds can be an ongoing challenge. That’s why it pays (literally) to look at cash back rewards as more than just a bonus. When you treat those rewards as a tool for reinvestment, you give yourself the flexibility to support your goals, fuel growth and build a stronger business.

Knowing where you spend most can help you earn more cash back. If your spending is spread out or you want something simple, a card that always offers 1.5% or 2% cash back on all purchases lets you earn rewards without tracking categories. For example, if you spend $2,000 a month and your card offers 1.5% cash back, you could earn about $360 in one year. If you want to maximize your cash back, look for a card that offers extra cash back in the places you shop most. If you often dine out with clients, shop at office supply stores or pay for business services like internet or phone, a card with bonus rewards in those areas can help make the most of your cash back. For example, spending $2,000 a month at an office supply store with a card that pays 5% cash back in that category could earn $1,200 in a year. Doing the math upfront helps bring to life the real impact rewards can have on your bottom line.

“Cash back rewards can be a meaningful resource for small business owners,” said Jenny Shum, General Manager of Small Business Card at JPMorgan Chase. “When used strategically, they can help bridge cash flow gaps and can be invested in people and tools that drive long-term growth.”

Consider these proactive ways to reinvest your cash back rewards and maximize every dollar:

1. Smooth Out Cash Flow Gaps

Cash flow rarely follows a predictable pattern in business. Seasonal dips in sales, delayed client payments or unexpected expenses — like equipment repairs or supply shortages — can create stressful gaps between outgoing payments and incoming revenue. These shortfalls can make it difficult to cover payroll, pay vendors on time or keep inventory stocked, potentially putting business relationships or daily operations at risk.

Using your business credit card’s cash back rewards allows you to add a layer of financial flexibility that helps your business weather the ups and downs. Instead of cashing out rewards for nonessential purchases, consider using them to offset other expenses. Some owners set aside accumulated rewards as a miniature rainy day fund, ready to deploy the moment a cash crunch arises.

“Using cash back to cover unexpected expenses is one of the smartest ways to put rewards to work,” Shum said. “It turns your card into a valuable tool for keeping your business running smoothly and with greater peace of mind.”

2. Invest in Digital Tools and Automation

Small businesses are increasingly turning to technology solutions to stay competitive, streamline operations and serve their customers more effectively. While many owners recognize the benefits of digital transformation, the costs of new tools can feel daunting.

With Chase Ink business credit cards, you can earn cash back on everyday purchases and then use those rewards to offset the cost of essential business tools like accounting software, customer relationship management (CRM) platforms or online marketing services that help your business grow.

These rewards can go even further when invested in digital solutions that streamline operations and expand your reach. For example, a robust CRM platform makes it easier to track customer interactions and personalize communications, which drive repeat business. Investing in digital advertising allows you to target your ideal customers, promote special offers and boost brand awareness across popular channels. Putting your rewards toward these tools can save you money while making your business more efficient and competitive.

By reinvesting rewards into digital solutions, you save money while positioning your business for long-term growth. Even $500 in cash back could offset the monthly cost of a CRM tool or pay for two weeks of digital ads that drive new customers.

3. Boost Employee Morale and Retention

Retaining top talent remains a challenge for business owners of all sizes. High turnover disrupts productivity and adds to costs, making it crucial to invest in your team. Many business owners use cash back rewards to create meaningful moments for their staff, turning everyday spending into opportunities for recognition.

Use rewards to offset other costs that allow you to fund employee bonuses, team lunches or professional development workshops. Some owners also invest in wellness initiatives or appreciation gifts that show their team members they are valued. This isn’t just a “nice to have” — it’s a smart business move. According to Gallup’s 2024 State of the Global Workplace report, companies with high employee engagement continue to outperform peers in profitability and retention. Ultimately, prioritizing morale and employee experience can have an outsized impact on your bottom line, especially in today’s competitive labor market.

“Your people are your greatest asset,” Shum said. “Using cash back rewards for recognition or professional development isn’t just a nice gesture. It increases retention, engagement and productivity, all of which matter in today’s labor market.”

4. Offset Insurance and Fixed Business Costs

Running a business means managing recurring expenses like insurance premiums, software subscriptions, licenses and utilities. These essential costs can add up quickly and put pressure on your cash flow, especially during slower months. Using cash back rewards to offset fixed expenses eases your operating budget and frees up funds for growth or emergencies.

This approach ensures you stay current on important obligations while making the most of every dollar your business earns. Redirecting cash back rewards toward these predictable costs is a proactive way to keep your finances balanced and your business resilient.

Growth and Stability Go Hand in Hand

By treating cash back rewards as a resource for reinvestment, you can strengthen your financial foundation, empower your team, and stay competitive — whether you use rewards to manage short-term expenses, invest in marketing and digital upgrades, or recognize your employees.

Ultimately, the way you use your business credit card cash back rewards can make a real difference in your company’s future. Business credit cards like Chase Ink are designed to give you more ways to earn and redeem cash back rewards, helping you reinvest in your company’s future and keep your business moving forward.

With a thoughtful, strategic approach, you ensure that each reward dollar brings your business closer to its goals. When you view cash back as an opportunity, not just a perk, you put your business on the path to sustainable growth and long-term success.

2026-03-10T07:01:01

(BPT) – From the Retail Gift Card Association (RGCA)

Don’t focus only on your closets and curtains as you’re spring cleaning this year. Sure, evicting dust bunnies and decluttering feels rewarding, but so does digging up the adult equivalent of buried treasure you forgot you have.

Gift cards have been the most requested gift in America for nearly 20 years and you probably have a handful sitting idle around your house, in your junk drawer or in your inbox. No matter when you received them or why, now’s the time to make the most of your gift cards.

Think of it as the ultimate “clean-out” bonus — a reminder that clearing away the old often makes immediate room for something brand new and maybe even free.

Spend your way

You may have received gift cards over the holidays, as a reward from a retailer for making a certain purchase or from your boss as a thanks for a job well done. The greatest feature about those cards is their versatility.

Gift cards are the ultimate guilt-free currency and offer an invitation to buy what you truly want or need.

Didn’t get that book you wanted over the holidays? A gift card can make it happen. Not up for cooking and doing dishes? A gift card can take the work off your plate. Want to dive into a home improvement project? A gift card can help make the expense more manageable.

The choice is all yours.

Shield your budget

Life is getting more expensive. Gift cards can serve as a practical guardrail for your finances. They offer several advantages for budget-conscious consumers:

Debt Prevention: Using a gift card means you aren’t reaching for a credit card and risking interest charges.

Hard Spending Limits: Because a card only carries a specific value, it’s impossible to overspend or incur overage charges like with a debit card. Once the funds run out, the spending stops. This feature is especially helpful if you’re teaching your kids how to manage money — like capping in-app purchases for your teenage gamer.

Strategic Saving: Many savvy shoppers use gift cards toward major purchases to soften the financial blow or to buy something they ordinarily wouldn’t with their everyday budget.

Think of gift cards as “found” money — the modern equivalent of finding a $20 bill from last winter in your coat or a whole bunch of change in your couch.

Double down on savings

One of the most overlooked benefits of gift cards is that you can stack them with other promotions. A gift card isn’t just a payment method; it’s a tool to amplify your savings.

By using your cards to pay for items that are already discounted or part of a deal, you’re effectively getting more value and stretching out your spending power so you can buy more than you typically would.

Many retailers also allow you to earn loyalty points and rewards even if you’re paying with a gift card and don’t pay the full purchase price. This helps you save now and again in the future.

Enjoy optimal convenience

Today’s gift cards are designed to be where you are. Whether you prefer going to a physical store to shop, browsing on your couch, or in app and on the go, gift cards offer a seamless experience across the board.

To ensure you never leave them at home, many physical and digital cards can be uploaded directly to your smartphone’s digital wallet. This keeps them at your fingertips for when you want or need them. Catch an unexpected sale while driving by your favorite store? Find some extra time between errands to grab a quick coffee? Your gift cards are right with you and ready to spend.

If you’re worried about losing a physical card, uploading to a digital wallet can help protect them — it also helps you avoid a bulky wallet that you have to haul around.

Go get shopping!

Gift cards are found money you can spend however you want. They represent a unique blend of flexibility, budget protection and buying power. Don’t let them sit around collecting dust. Time to put them to work. Your next favorite meal, much-needed coffee break or new favorite outfit are waiting for you.