Category: Brandpoint Business & Finance

2023-12-06T15:43:00

(BPT) – It’s the most wonderful time of the year, but dashing through the snow for parties, plays and presents may have you longing for a silent night. Now a Walmart+ membership is bringing joy to the world for the busiest of families this holiday season.

Helping people save money so they can live better is at the heart of everything Walmart does. Walmart+ is that mission, supercharged, with a series of benefits and offers that will have you singing its praises throughout the season — and beyond.

Fa-la-la-la-Free Delivery from your Store

Whether it’s groceries for a festive meal, a hostess gift for your holiday parties, or all the toys and goodies, you can get unlimited deliveries from the store to your door with $0 delivery fees, all at the same low prices you’ll find shopping in a Walmart store.

Holiday Classics Streaming with Paramount+

From swoon-worthy romcoms to children’s classics — even some jingle bell rock from everyone’s favorite Mean Girls, you can stream some of your season’s favorite flicks with a Paramount+ Essential plan subscription, included at no additional cost with your W+ membership.

The Gift of Member Savings on Fuel

Between traveling to see family and friends, attending parties and functions, cruising town to peep holiday lights or all the everyday shuttling you already do, the holidays may have you spending a lot of time behind the wheel. So the prettiest sight to see may be savings on fuel! Get 10 cents off per gallon at 14,000+ locations nationwide including Exxon, Mobil, Walmart and Murphy stations.

Walmart+ Travel, Santa Approved

Whether you’re traveling over the river or through the woods, Walmart+ members can book their getaways through WalmartPlusTravel.com and earn Walmart Cash. Walmart+ members will start earning rewards on bookings in the form of 5% Walmart Cash on all non-air travel — hotels, vacation rentals, car rentals and activities — and 2% Walmart Cash on air travel. A Walmart+ membership will also get you access to member-only travel deals, no sleigh required.

The Gift of Free Shipping with No Order Minimum

Even if you make a list and check it twice, it’s inevitable those last-minute gift needs will arise. Even small orders ship for free so you can choose from a huge assortment of eligible items and never pay a shipping fee, no matter who is on (or missing) from your list.

Early Access to the Hottest Deals

Members enjoy early access to the most sought-after products at events throughout the season. Oh what fun it is to have an edge on holiday gift giving that even the elves would envy.

Returns from Home

Baby, it’s cold outside, and no one wants to brave the elements for returns. For members, Walmart comes to you. No printing, no repackaging, no need to step foot outside your door. Just book your return in the Walmart app.

At just $98 a year, or $49 dollars annually for customers who qualify for government assistance benefits, a Walmart+ membership will have you rockin’ around the Christmas tree for the holidays and through the new year. You can sign up — or even gift a membership — at https://plus.walmart.com.

2023-12-06T11:01:00

(BPT) – This past summer was a season of major concert tours, driven by renowned popstars and cultural icons like Queens Tay and Bey. From booming box office sales to sold-out arenas, 2023 summer concert tours inspired communities and boosted local economies across the globe.

For Airbnb hosts, the “shero” summer effect meant a boost in revenue. According to Airbnb, Hosts worldwide collectively generated $100 million over concert dates from Jan. 1 to June 30, 2023, including the day before each tour stop. Continuing concert tour trends could spell the perfect opportunity for Hosts to earn more in the coming year.

Global icons and their local impact

Across Europe and the U.S., Queen Tay and Bey’s concert tours ushered in hundreds of thousands of guest arrivals on the platform over the concert dates during the first half of this year. The megastars helped support local economies, and Airbnb Hosts experienced this boost firsthand.

Hosts in Europe earned more than $40 million and their U.S. counterparts earned over $62 million during the first half of this year. These earnings represent a 38% increase in collective Host earnings over concert dates from Jan. 1 to June 30, 2023, compared to the same dates from Jan. 1 to June 30, 2022.

These economic trends are likely to continue into 2024. The upcoming European leg of one of these stars’ tours prompted a remarkable surge in interest. Notably, there was a 1,000% spike in Airbnb searches based on the average increase in searches for concert tour cities from June 20 to June 26, 2023, compared with the week before the 2024 tour announcement.

Hosting fans, creating joy and increasing income

The shero summer doesn’t just mark a return to big events. The droves of fans flocking to these events show that people are excited to come together as a community to share their passion for music. With people feeling increasingly isolated and disconnected, Hosts on Airbnb are focusing on providing distinctive guest experiences to facilitate human connections, one superstar event at a time.

If you’re lucky enough to live in a Host city during the upcoming tour dates, there has never been a better time to join the growing community of Hosts on Airbnb. Based on the total earnings for new Hosts globally in 2022 who started hosting sometime between January and December 2022, new Hosts collectively earned over $5.5 billion in income from hosting on Airbnb. Also, many new Hosts are having great success securing bookings quickly. Half of the listings activated and booked in the third quarter of 2022 globally received their first booking within three days.

Becoming an Airbnb Host has never been easier. The introduction of Airbnb Setup connects new Hosts with Superhosts who can provide one-on-one guidance. The integrated platform also helps new hosts welcome an experienced guest for their first booking and receive specialized support from Airbnb Community Support agents in over 42 languages.

All Hosts also get even more AirCover, which provides top-to-bottom protection, guest identity verification, reservation screening and $3 million damage protection. Protection includes coverage for cars, boats, art and valuables.

Are you ready to become part of the collective joy of live entertainment and increase your own financial well-being? Visit Airbnb.com/Host to learn more about how you can become a Host.

2023-12-04T08:01:01

(BPT) – Agriculture, particularly dairy, often gets blamed for its greenhouse gas emissions. Across nearly all agricultural commodities, bolstered by more than $3 billion in USDA climate-smart funding, there is increasing momentum to reduce agricultural emissions and sequester more carbon in soils and forests through climate-smart practices.

Some estimates show that the agricultural sector was responsible for about 9% of total U.S. greenhouse gas emissions in 2021 (putting it far behind the sectors releasing the most greenhouse gas emissions in the U.S.: transportation, industry and electric power).

According to the National Milk Producers Federation, the dairy industry has committed to achieving greenhouse gas neutrality by 2050. While this may seem like a lofty goal, many farms are already reaching this goal through innovative farming practices and carbon investment mechanisms, including carbon insetting.

What is carbon insetting?

You may not be familiar with carbon insetting, but you’ve likely heard of carbon offsetting. Carbon offsetting happens when individuals or companies finance environmental initiatives leading to quantifiable reductions in greenhouse gases or carbon removal, such as tree planting projects that absorb or “remove” carbon from the atmosphere. The reductions or removals that result from these projects can be purchased as “carbon offsets” on an open market primarily by businesses wanting to compensate for the emissions they generate.

Purchased offsets are used as a type of credit to indirectly reduce their overall carbon footprint without directly changing business operations. On the other hand, carbon insetting is the direct reduction of greenhouse gas emissions within business operations and at the emissions source through the adoption of specific, traceable and measurable practices and appropriate technologies.

What does agriculture have to gain from carbon insetting?

Much like learning a new language, there is no easy way to explain the difference between carbon offsetting and carbon insetting. In carbon offsetting, the environmental benefits, specifically carbon reductions or removals, are detached from the agricultural product, such as corn, milk or beef. These benefits are then sold as offsets to entities outside the agricultural system where these products were produced, like companies in the petroleum or technology sectors.

In an offsetting scenario, the commodity can no longer be labeled or valued as “climate-smart” at the point of sale because the environmental attributes have been sold and claimed as a carbon credit to compensate for a different industrial sector’s carbon emissions. As an economic sector, agriculture no longer has a right to claim those reductions or removals, and America’s agricultural carbon footprint stays the same.

Carbon insetting allows for the environmental attributes — carbon reductions or removals — to track the agricultural commodity throughout the product value chain. The carbon value is never severed from the wheat, milk or beef. It can be claimed by different layers of the value chain that contribute financially or in other ways to the adoption of the practice, including farmers, manufacturers, distributors and retailers. The commodity maintains its climate-smart value from farm to plate, and America’s agricultural carbon footprint is reduced. Carbon insetting is agriculture’s true path to long-lasting and meaningful carbon reductions.

How can food companies engage in carbon insetting?

Organic Valley, a cooperative of small family farms, has launched an ambitious carbon insetting program to reach carbon neutrality. The Organic Valley Carbon Insetting Program incentivizes and assists Organic Valley farmers to implement regenerative, climate-smart farming practices that reduce or remove carbon emissions within the cooperative’s own supply chain. Long story short, farmers are paid to install solar, plant trees and/or start composting. As a USDA Partnerships for Climate-Smart Commodities grant recipient, Organic Valley is committed to providing more than $15 million in direct farmer incentives to adopt climate-smart practices over the next five years.

Many Organic Valley farms already incorporate eco-friendly practices like sun and wind power, composting and planting trees for silvopasture. Silvopasture is an innovative way to inset carbon — it is a method that thoughtfully pairs trees, pasture and grazing animals to create a healthy ecosystem. The trees planted absorb carbon over time, turning it into clean air, and can even provide habitats for birds and other woodland creatures.

Other eco-friendly practices the cooperative’s farms employ include sustainable manure management techniques, energy efficiency, enhanced grazing and more.

Through investments in carbon insetting, companies like Organic Valley and its supply chain partners will accelerate the adoption of climate-smart practices on America’s dairy farms, ensuring farmers are doing their part to care for the earth and ensure their families can continue to farm for years to come. To learn more about Organic Valley’s commitment to carbon neutrality and the cooperative’s practices, visit OrganicValley.coop.

2023-11-30T07:01:00

(BPT) – While rising energy prices can lead to higher heating and cooling costs, any spike in energy bills should invite further investigation. If your home’s heating and cooling bills are higher than normal, checking with your neighbors to see if they’ve noticed similar cost increases is a good first step. If owners of similar sized homes in your area are not noticing higher utility bills, it may be time to take a closer look at specific aspects of your home’s heating and cooling system.

The individual components in a home’s HVAC system work together to help keep your home warm in the winter and cool in the summer. The furnace, air conditioner and thermostat are typically the most obvious parts of a system. However, other less visible elements, such as attic ductwork and insulation, also contribute to the HVAC system’s overall performance and energy efficiency.

The ductwork in a home’s attic distributes conditioned air to rooms throughout the home. Leaks in ductwork, loose joints or poor connections between ductwork components can allow conditioned air to escape into the attic before it reaches the intended part of the home. The amount of insulation in an attic also plays a role in comfort and energy efficiency. According to EnergyStar.gov, 9 out of 10 American homes are under-insulated.¹ Sufficient levels of insulation help reduce heat transfer between the attic and living spaces in the home.

Warning signs of issues in the attic

What are some warning signs that a problem may be lurking in the attic? One tell-tale indicator that your home may have “attic issues” can be observed by simply looking at your home’s roof on a cold morning. If frost or a dusting of snow appears on the roofs of neighboring homes while your home’s roof is frost/snow free, this may be an indicator that your attic is under-insulated or that heated air is escaping attic ductwork and “heating” the roof deck so that frost/snow melts away.

Other signs of a problem with ductwork may be noticeable inside the home. Rooms that are consistently too warm or too cold, or that have a musty odor, may indicate compromised attic ductwork. An increased level of dust inside the home is another sign that ductwork may need attention. Leaks in attic ductwork can allow dust and various particulates inside the attic to enter ducts. Distributed throughout the home, these particulates can negatively affect air quality.

Detecting issues can inform solutions

While a frost-free roof on a frigid morning or torn ductwork is an obvious sign of a problem, attic ductwork issues are often hard to see by simply looking around the space. A contractor trained to inspect ductwork and assess insulation levels in the attic can identify issues that may reduce your comfort and lead to higher energy bills.

Training and tools play a crucial role in identifying problems in the attic. For example, Owens Corning equips Certified AirCare^® Professionals with training and tools to assess attic insulation and ductwork. The information gathered through a thorough inspection can inform recommendations to support comfort and energy efficiency. An HVAC technician should include an attic inspection as part of routine maintenance visits as well as service calls. During the inspection, a technician should check ductwork for leaks and may use special thermal technology that visually shows where air is escaping from the ductwork.

A Certified AirCare^® Professional also will measure attic insulation and advise you on the energy savings that could potentially be achieved by adding insulation to bring your home up to the levels recommended by energy codes for your home’s climate zone.* Today’s energy codes specify higher levels of insulation compared to homes built even a few decades ago.

It is important to remember that a higher energy bill does not necessarily indicate a problem with equipment. An inspection by a heating and cooling contractor who brings a system perspective to caring for a home’s air and the attic infrastructure that supports it can help improve a home’s comfort and energy efficiency season after season. To find a Certified AirCare Professional in your area, visit https://www.owenscorning.com/en-us/insulation/find-hvac-contractor.

*Energy savings may vary.

2023. Owens Corning. All rights reserved.

¹ EnergyStar.gov – Why Seal and Insulate? https://www.energystar.gov/saveathome/seal_insulate/why_seal_and_insulate

2023-11-29T09:01:00

(BPT) – Around the world, about 1 billion people suffer from eye conditions that could be prevented or need to be addressed¹. For instance, cataracts are the leading cause of preventable blindness globally¹. Additionally, a CDC feature from 2020, “Keep an Eye on Your Vision Health,” states the number of people experiencing blindness and visual impairment in the U.S. is expected to double between 2020 and 2030 unless corrective measures are taken².

To raise awareness and ignite conversations about the importance of eye health across all ages and stages of vision, Johnson & Johnson MedTech recently announced the launch of Vision Made Possible. The campaign explores stories of patients and eye-care professionals (ECPs) across various eye diseases such as myopia, presbyopia and more.

Making Vision Possible for Patients

For cataract patient Jim M., achieving clear vision was a persistent challenge in his life. He underwent LASIK surgery to treat his nearsightedness, but twenty years later he began to notice a decline in his vision once again.

He began seeing rings, halos and experiencing blurred vision that was severe enough to force him to pull over while driving. After expressing his concerns to an eye care professional, Jim was able to be diagnosed and treated for cataracts.

“For me the decision was quite simple – get (cataract surgery) done and follow the doctor’s orders,” said Jim. “Be vigilant with your eyes and see your eye doctor at least once a year.”

With over 15,000 cataract surgeries completed, for Dr. Jeffrey Levenson, M.D., treating cataracts is a large part of his job, but he soon learned that even eye care professionals should maintain their personal eye health and screening for the conditions they see on a daily basis. Dr. Levenson personally experienced vision loss and underwent cataract surgery to regain his sight.

“My life is a living testament to vision made possible,” said Dr. Levenson.

Today, Dr. Levenson trains doctors in Central and South America in low-cost manual cataract surgery techniques, addressing cataract-related blindness in vulnerable populations – spreading the message of Vision Made Possible around the world.

Prioritizing Your Eye Health

Myopia is the biggest eye health threat of the 21st century, and is a growing epidemic³. Due to our aging population, the number of blind and visually impaired people in the United States is estimated to double by 2030². Still, eye exams are about more than just vision, as many systemic diseases have ocular signs or symptoms⁴. Your prevention and treatment of life-altering conditions may start with a single eye exam, which can detect more than 270 different medical conditions such as diabetes, heart disease and stroke risk, as well as cataracts, glaucoma, or retinal disorders such as macular degeneration⁴.

Johnson & Johnson’s Commitment

Johnson & Johnson believes that healthy sight is critical and is committed to furthering education and access to eye care across the globe. For more patient stories and information on how you can take control of your eye health, visit www.jjvision.com.

Jim M and Jeffrey L are actual patients with Johnson & Johnson, Inc. Individual results may vary; consult your doctor regarding medical condition or treatment. Sponsored by @Johnson & Johnson 2023, Inc

References:

1. World Health Organization, Blindness and vision impairment (13OCT2022) available at https://www.who.int/news-room/fact-sheets/detail/blindness-and-visual-impairment

2. Keep an Eye on Your Vision Health. Centers for Disease Control and Prevention. Accessed January 16, 2020.

3. Holy C, Kulkarni K, Brennan NA. Predicting Costs and Disability from the Myopia Epidemic – A Worldwide Economic and Social Model. Investigative ophthalmology & visual science. 2019;60(9):5466-5466.

4. Systemic Conditions with Ocular and Visual Manifestations. Accessed October 31, 2023. Published 2019 https://www.aoa.org/AOA/Documents/Healthy%20Eyes/Eye%20and%20vision%20conditions/Systemic%20Conditions%20with%20Ocular%20and%20Visual%20Manifestations.pdf

2023-11-20T18:01:00

(BPT) – By Sarah Acton, Chief Marketing Officer at BILL

One of the best holiday gifts I have been given was a pair of earrings from a small women-owned shop near my home in Palo Alto, California. My husband gave them to me for Christmas many years ago, and every time I wear them, I am reminded of that wonderful feeling of opening them for the first time. The gift itself is small, but it holds such sentimental value to me because of who it came from, and also where it came from. Those earrings are one of a kind, crafted by a woman from a local community that I love.

We’re fast approaching the season of bright lights and dazzling marketing campaigns from large retailers, enticing people to ‘buy big’. In my career, I’ve led marketing teams for some of the biggest brands in the world, so I know these approaches well. But I’ve also run my own small business selling toys and children’s items, and now at BILL, I spend my days championing small and midsize businesses (SMBs). Which is why this year I’m looking at the holiday season through a different lens: how can we get more people to shop small?

Small businesses play a hugely important role in our holiday traditions. When you buy from a small business, you’re not just buying a ‘thing’. You’re buying a piece of a larger story, a testament to the grit and passion of its creators. When you choose a gift from a small business, you’re not just purchasing a product; you’re conveying a story, adding a personal touch that can’t be replicated.

Buying from small businesses is not only an investment in a great gift – it’s also an investment in your local community. Small businesses are the lifeblood of our communities. They are the job creators and innovators. When local businesses are thriving, our local economies are too.

To celebrate and support these pillars of our community, we have curated a selection of small businesses for you to explore this holiday season. At BILL, we love to highlight our SMB customers and encourage everyone to shop small. Each of these businesses has a unique story to tell, a dream they are passionately pursuing. And as a token of our support for both these businesses and you, our customers, we’re offering special codes from BILL, allowing you to save on each purchase.

Clothing and Accessories

Dagne Dover

Dagne Dover, established in 2013 by three women, is dedicated to crafting problem-solving bags for individuals seeking efficient and stylish solutions. Rooted in empathy and excellent design, the brand’s commitment to enhancing lives aligns with their eco-conscious initiatives, employing non-toxic materials and implementing waste reduction strategies. Championing sustainability, they embrace animal-friendly practices and encourage eco-friendly fashion through resale options. Get 15% off first purchase with exclusive code BILL15.

Kizik

Kizik is a footwear brand redefining everyday comfort and style by revolutionizing shoe functionality. With a commitment to making life easier, their HandsFree Labs^® technology eliminates the need for tying shoes, offering unparalleled convenience without compromising fashion. Backed by numerous patents, Kizik shoes seamlessly blend hands-free design with durable, high-quality materials, ensuring comfort and resilience for each step. Get 20% off with code BILL20.

Rhone

Rhone is a performance-driven clothing brand catering to an active lifestyle, inspiring progress and movement with each piece. Focused on versatility and integrity, their clothing is designed to empower individuals, never compromising on comfort and style. Their mission involves inspiring progress through honest storytelling and cause-based initiatives, fostering a supportive community where individuals share a common pursuit of advancement and wellness. Get 20% off with code BILL20.

Enso Rings

Enso Rings redefines traditional ring choices with their silicone bands, offering versatile, comfortable and safe alternatives for various lifestyles. Enso offers an array of styles, including their Elements collection infused with popular metals, delivering personalized, stylish rings mirroring precious metals’ appearance while maintaining practicality. Get 20% off with code BILL20.

Home and Lifestyle

Cozy Earth

Cozy Earth embodies an ethos of continual quality improvement and purposeful design, crafting high-end, eco-friendly products. Committed to superior quality and backed by a lengthy warranty, Cozy Earth’s focus on enhancing daily life through comfort and tranquility marks their dedication to responsible, superior and innovative production. Their signature breathable and durable fabrics offer a superior sleep experience, reflecting the brand’s commitment to both luxury and responsibility. Get 35% off with code BILL35.

Caraway Home

Caraway is dedicated to revolutionizing home cooking through thoughtfully designed, non-toxic cookware. Their ceramic-coated aluminum products prioritize health and ease, with no harmful chemicals like PTFE or lead, promoting healthier cooking without compromising performance. Complementing any home, their high-quality, eco-friendly and ethically manufactured cookware supports sustainable practices, from production to packaging, ensuring a healthier kitchen and planet. Get 10% off with code bill10.

Impact Dog Crate

Impact Dog Crates is a team of devoted dog lovers committed to providing high-quality, protective dog products. Crafted with top-tier aluminum and powder-coated for safety and aesthetics, their crates are synonymous with durability, comfort and security. The company, based in the Pacific Northwest, focuses on environmentally friendly practices, ensuring quality products while being conscious of their environmental footprint. Get 15% off with code BILL.

Gardyn Inc

Gardyn is a pioneering company committed to revolutionizing the future of food. With cutting-edge technology, including LED lighting, hydroponic cultivation and artificial intelligence, they’ve redefined the way plants grow — producing an abundance of fresh, nutritious food in indoor vertical gardens. The company’s goal is to provide accessible, harmonious and environmentally friendly solutions for the well-being of people and planet. Get $125 off your order with code BILLGIFT.

BrüMate

BrüMate is dedicated to elevating your drinking experience. Their range of products, from coolers to mugs, is designed to enhance every adventure with innovative, multi-functional, stylish drinkware. Committed to superior performance, unique designs and customer satisfaction, BrüMate’s cause-driven ethos reflects its core belief in innovation and quality, striving to create a brand that’s truly distinctive and forward-thinking. Get 10% off with code BILL10.

iRocker

iRocker is an outdoor gear brand driven by a passion for adventure. Since its inception in 2013, the brand has strived to provide reliable and high-quality paddle boards and water gear that fuel the desire for exploration and outdoor excitement. iRocker’s vision is to transform outdoor experiences, aiming to create memories and stories that inspire a life of adventure and fun on the water. Get 10% off with code BILL10 for 10% off iROCKER and BLACKFIN Paddle Boards only. Offer does not apply to NAUTICAL paddle boards.

Wellness and Beauty

Sunwarrior

Sunwarrior is a brand dedicated to your nutritional journey, offering clean, plant-based supplements and proteins. Committed to quality, Sunwarrior provides GMO-free, soy-free, gluten-free and dairy-free ingredients that undergo rigorous testing. Their mission is to enhance your health and well-being through high-quality, organic products, ensuring the best building blocks for optimal body performance. Get 25% off with code BILL25.

Tower 28

Tower 28 is a cosmetics brand providing safe, fun makeup suitable for sensitive skin. The brand’s name is inspired by a Los Angeles lifeguard tower, symbolizing safety, community and clean living. Committed to both skin safety and environmental conservation, Tower 28 uses at least 50% PCR plastic in its product packaging and donates 100% of its Earth Day profits to Heal the Bay, an organization dedicated to coastal and watershed cleanup in Los Angeles. Get 15% off with code 2023BILL15.

ElleVet Sciences

ElleVet is a pioneer in the pet health industry, initially sparked from a kitchen table conversation. Founded by Amanda and Christian, the company’s journey led to groundbreaking CBD and CBDA products for animals. Their commitment to research and science-driven development culminated in the first clinical trial on dogs with joint discomfort, pioneering discoveries and the most downloaded research paper in their field. Get 10% off with code bill10.

Food and Beverage

Salsa Queen

Salsa Queen’s origin is deeply rooted in family and perseverance. Beginning as a means of providing for seven children after the tragic loss of a young son, it embodies the founder’s journey as a single mother. With a commitment represented in the founder legally adopting the name ‘SalsaQueen’, the brand’s dedication to authenticity and bold flavors without preservatives or fillers has led to widespread success, reaching 1,500 stores across 30 states and shipping products nationwide. Get 20% off with code BILL.

Nossa Familia Coffee

Nossa Familia Coffee is a Portland-based roaster that embraces a legacy of coffee cultivation in Brazil since the 1890s. With a focus on creating positive relationships, ethical sourcing, and social and environmental responsibility, Nossa Familia brings exceptional farm-direct coffee from Brazil and various parts of the world. Get 15% off your order with code Bill15.

1911 Hard Cider

1911 traces its origins to Beak & Skiff Apple Orchards, founded in 1911 by George Skiff and Andrew Beak in Lafayette, New York. With a commitment to quality and innovation spanning over a century, the brand’s products, including hard ciders, spirits and wines, are handcrafted and processed in-house, reflecting a heritage of small-batch beverages intended to honor the legacy of their forefathers. Get $25 online store credit when joining the 1911 Hard Cider Club.

Biscuit Love

Biscuit Love, founded by culinary school graduates Karl and Sarah Worley in 2012, began as an Airstream food truck and has evolved into a cherished family-owned restaurant. With its humble beginnings and just three menu items, the brand expanded into brick-and-mortar locations in Nashville’s The Gulch area in 2015. Accompanied by jam or sausage gravy, these biscuits have become beloved nationwide. Get free shipping and $20 off your first order with code GOLDB3LLYIT.

Savannah Bee Company

Savannah Bee Co. operates with a profound commitment to bees, focusing on fostering healthy ecosystems and ensuring the prosperity of these vital pollinators. By providing hives, educating students and donating to local educational programs, they’re dedicated to saving the bees and the planet, inviting customers to participate in this critical cause with every purchase. Get 20% sitewide with code BILL20.

To find more holiday gift ideas, check out the BILL Customer Gift Guide. As a champion of SMBs, we are passionate about supporting SMBs and committed to providing innovative and accessible solutions for our customers to automate their financial operations. When SMBs thrive, so do their communities. To learn more, visit Bill.com/Resources.

2023-11-16T12:01:00

(BPT) – Today’s business landscape is a tricky environment to navigate for small and medium-sized businesses (SMBs). Supply chain mishaps, macroeconomic factors and the rising cost of goods all present challenges for entrepreneurs looking to grow their businesses. As SMB decision-makers must adapt to overcome barriers, they need new tools and solutions that minimize the impact from problems like supply chain issues, and that can help them explore untapped markets.

How SMBs can stay competitive and grow despite challenges

New data commissioned by Alibaba.com and conducted by The Harris Poll among 301 small business leaders[1] in August 2023 reveals the roadblocks SMBs encounter on their way to success. To help your business thrive and grow in a demanding environment, consider a multi-pronged approach that tackles issues directly and allows your business to grow efficiently. Here are three top approaches and tools to consider.

1. Diversify supply channels: Nearly half (46%) of small business decision-makers have challenges with supply chain and/or product sourcing systems, and 38% feel the global supply chain outlook does not look good and will have a somewhat or largely negative impact on their business. To tackle supply chain woes, ensure your full supply system is not disrupted when an issue arises by diversifying your company’s supply channels. Supply chain managers should seek different locations and suppliers to help reduce risk. Look for suppliers offering lower minimum order quantities (MOQs) to reduce costs and prevent excess inventory.

2. Build deeper relationships with suppliers: Just as small business owners are trying to build their businesses, so are the suppliers and manufacturers they’re hoping to contract with. Furthermore, business decision-makers recognize the need for quick and open communication with suppliers. In the survey, 35% of small business owners said tools to help them quickly relay product needs/specifications to suppliers would be the most helpful enhancement when creating a new product line. To that end, cross-language communication is crucial today, so your business could benefit from tools such as Alibaba.com’s real-time translation solution, offered in 17 languages, for buyer-supplier video chats. By building better relationships with suppliers, it will be easier to work with them to find solutions and improvements for products, as well as to potentially negotiate on prices in the future. Because they know the industry where they’re based, suppliers may even be able to help find solutions with other suppliers for materials they cannot provide.

3. Explore untapped markets: SMBs should consider expanding into untapped markets to create new pathways for growth. The Alibaba.com survey data shows entrepreneurs are confident they can expand, but face challenges in doing so. In fact, 83% of small business owners and leaders are confident in their companies’ ability to create and introduce new products, with a large majority (80%) agreeing that introducing a new product would increase their success and profits. Top hurdles include finding the right supplier (31%); research, development and design of the new product (28%); and financing orders of the product (27%). Entrepreneurs value digital tools that help them visualize new product ideas, with 34% of survey respondents indicating that as a priority. This can include multi-search features, such as Alibaba.com’s Image Search that allows business owners to search by text and image to determine product needs and design. Other tools mentioned by business owners to help them create a new product/product line include money back policy/easy return (17%) and after-sale protection (11%). Solutions like Alibaba.com’s Trade Assurance program can provide safe, easy, money-back options for buyers to protect against unforeseen circumstances like product or shipping issues.

It can be a struggle for entrepreneurs to know where to find help as they grow and scale their businesses. To help develop a community and offer learning opportunities to help entrepreneurs thrive, events such as Alibaba.com’s recent Co-Create conference provide a welcoming environment for entrepreneurs to grow, learn and create new strategies for business expansion.

While today’s market presents challenges for entrepreneurs, many opportunities exist to help them find success and thrive, despite these hurdles. Learn more about the possibilities for your business at Alibaba.com.

2023-11-15T05:01:00

(BPT) – Do you know what your auto insurance covers, and what it doesn’t? What does “comprehensive coverage” mean? If you answered no to the first two questions, you’re not alone. A recent survey by State Farm found many millennials and members of Gen Z have knowledge gaps about auto insurance. In fact, when asked how well they know their auto insurance policy, nearly half (46%) admit they don’t know their policy that well, finding coverage the most confusing topic.

Each year, a new generation of drivers hits the road, making it vital for them to understand auto insurance policies. While the survey found the majority of Gen Z and millennial drivers understood the concepts of collision and liability insurance coverage, two-thirds did not understand what comprehensive auto insurance covers — including losses related to natural disasters like damaging winds, hail, tornados, hurricane, flooding and earthquakes — plus theft and vandalism, animal collisions or your car being hit while parked.

With severe weather events on the rise, according to the Insurance Information Institute, this additional coverage offers protection from unexpected events that can happen even when you’re not behind the wheel.

Although survey respondents had a solid understanding of ride-share and under/un-insured motorist coverage, less than half (43%) of Gen Z and millennials correctly identified benefits associated with add-on coverages like rental car and travel expenses; and just 61% correctly identified the benefits associated with emergency road service.

Understanding and choosing auto insurance coverage

Auto insurance is required in almost every state to operate a vehicle, but the cost can vary widely. Cost is partially determined by your vehicle type, your age as well as your car’s age, plus the coverage level you select — and can also be affected by other factors like where you live and how much you drive.

Because a car is one of the biggest purchases you make, it’s important to protect this asset in case of emergency. Understanding the different types of coverage, benefits and policy options can help you make informed choices when selecting auto insurance. Each type of coverage is priced separately, so there is variability in policy limits and pricing.

Here’s a summary of the most common auto insurance coverage types every car owner should know:

Bodily Injury Liability Coverage extends to relatives in your household and those driving your car with your permission. It’s important to have enough liability coverage, because if you are at fault in a serious accident, you may be sued for a large sum of money. It’s important to purchase enough to help protect assets such as your home and savings, which may be more than minimum liability amounts required by the state you live in.

Property Damage Liability coverage pays for damage you may cause to someone else’s property. Usually, this means damage to someone’s car, but also includes damage to lamp posts, telephone poles, fences, buildings or other structures your car hits.

Medical Payments or Personal Injury Protection (PIP) Coverage pays for the treatment of injuries to the driver and passengers of the policyholder’s car. At its broadest, PIP can cover medical payments, lost wages and the cost of replacing services normally performed by someone injured in an auto accident. It may also cover funeral costs.

Collision Coverage pays for damage to your car resulting from a covered collision with another car, an object such as a tree or telephone pole, or as a result of flipping over. Collision coverage is generally sold with a separate deductible. Even if you are at fault for the accident, your collision coverage will cover the cost of repairing your car minus the deductible. If you’re not at fault, your insurance company may try to recover the amount they paid from the other driver’s insurance company, and if successful, you’ll also be reimbursed for the deductible.

Comprehensive Coverage provides coverage for loss due to theft or damage caused by something other than a collision with another car or object. Comprehensive covers events such as fire, falling objects, missiles, explosion, earthquake, windstorm, hail, flood, vandalism, riot or contact with animals such as birds or deer. It will also pay to repair your windshield if it is cracked or shattered. Comprehensive insurance is usually sold with a separate deductible, although some insurers may offer the glass portion of the coverage without a deductible.

Uninsured and Underinsured Motorist Coverage provides coverage if you are hit by an uninsured driver or a driver who doesn’t have sufficient insurance to pay for your loss. This coverage also offers protection in the event a covered driver is the victim of a hit-and-run or if as a pedestrian, you are struck by an uninsured or underinsured motorist.

Learn more at StateFarm.com.

2023-11-13T12:01:01

(BPT) – The “electric vehicle (EV) boom” is upon us. Americans purchased nearly 300,000 EVs in the second quarter of this year, over 48% more than in 2022. To drive the trend even further, new data from Hankook Tire’s Gauge Index survey suggests that more than 1 in 3 drivers (34%) plan to own or lease a hybrid or EV in the future.

But purchasing an EV is an entirely different ballgame compared to purchasing a traditional gas-powered or internal combustion engine (ICE) vehicle. The unique characteristics of EV ownership mean that first-time buyers should ask specific questions of their car dealers and of themselves before making the switch.

If you are thinking about purchasing an EV for the first time, here are some questions to consider to make a smart purchasing decision:

1. What is the long-term cost?

The initial price on the sticker doesn’t cover everything for any vehicle, and the same is true for EVs. Drivers must consider the cost of maintenance, insurance and, of course, fueling up. However, the cost difference to charge an EV is an incentive for many car shoppers. Hankook found that 24% of drivers are most likely to switch to an EV for a lower cost to charge rather than pumping gas.

2. What type of maintenance will my EV need?

The general consensus among drivers is that EVs require less maintenance than their ICE counterparts, but understanding what is needed to keep the vehicle running at peak performance is still key. While there’s no oil to change in your EV, brakes, fluids and various air filters will still need to be maintained over the course of your vehicle’s life. As a new EV owner, it is important to be aware of the maintenance needs.

3. What tires come on my EV?

Did you know that there are tires specifically made for EVs? EV tires are created with the change in road noise and increased weight of the vehicle in mind. If the tires on your vehicle are not EV-specific, consider purchasing new ones through rebates and other tire sale opportunities. And don’t forget to consider tire qualities that are important to both yourself and your driving habits. The Gauge identified performance (14%), safety (14%) and longevity (14%) as the top considerations for EV drivers when purchasing a new set of tires.

4. What does my local charging infrastructure look like?

Charging stations continue to pop up across the U.S., but is there a charging station convenient to your daily life? Hankook found that 30% of drivers are more likely to consider driving an EV if there were more charging stations near where they work or live. Knowing where the most convenient stations are will make the transition to charging even easier.

There are many questions that new EV buyers should ask before making the shift, but thinking strategically and asking questions about factors that may impact you in the long run will set you up well for an electrified future.

2023-11-13T05:01:00

(BPT) – With many moving parts and high stakes involved, it’s essential to approach college applications with a well-thought-out plan. From planning to budgeting to submitting your application, here are seven tips for navigating the typical college application process.

1. Create a timeline for your college application. The college application journey requires meticulous planning and ample time for execution. When you begin applying, create a timeline with clear deadlines. This way, you’ll know when you need to finish each step and won’t get overwhelmed by the number of tasks ahead.
2. Identify key milestones related to your applications. Some schools offer Early Decision or Early Action options, with different deadlines from the standard decision deadline. Set personal deadlines too for gathering recommendations, crafting your essays and submitting your transcripts. Leave room for hiccups too.
3. Research your schools. Not all colleges are a perfect fit. That’s why it’s important to find a school that aligns with your academic, personal and career goals. Dive into what makes each institution unique and how it may line up with your values and interests. Explore their academic programs, extracurricular offerings, campus culture and location.
4. Figure out your financial aid options. Note the cost of tuition as well as things like room and board, books and program fees. Look into whether the school offers scholarships, grants, financial aid or work-study opportunities. If you need additional funds to cover costs that federal student loans, scholarships and grants don’t cover, consider a private student loan from your trusted bank or credit union. Lenders like Navy Federal Credit Union, offer private student loans for a semester or the entire academic year up to the school-certified cost of attendance.
5. Build a budget for your college applications. In most cases, there are costs involved, including school application fees, fees to send test scores and fees to send high school transcripts. Students and parents should identify a savings goal and set money aside just for the college application process. If you’re a low-income student, you may get waivers for both SAT/ACT testing and college applications. Military members and Veterans may also be eligible for application fee waivers. Ask your high school guidance counselor or college’s financial aid department if these waivers apply to you.
6. Prepare your application to help you stand out. Colleges will look at your test scores and GPA, but they also want to know more about who you are as a student and professional. Extra application requirements, such as resumes and essays, showcase your skills and what makes you unique. Make sure you prepare for these important components of your college applications. This can also include passion projects, academic achievements and honors.
7. Submit your application to the school. As your deadlines approach, double-check your applications for accuracy and ensure you have all the materials you need. For example, create a checklist that covers all your bases, such as proofreading your application, submitting test scores and paying any application fees. Once completed, submit your applications with confidence. Take pride in knowing you’ve put your best foot forward.

The college application process is an adventure, but with careful planning, you’ll find the perfect school that fits your goals for the future.

Navy Federal Credit Union is federally insured by NCUA.