In today’s digital landscape, cybersecurity is one of the most pressing concerns for business owners. Whether your company is large or small, cybercriminals see every business as a potential target. Business owners, especially those juggling multiple roles and responsibilities, often find themselves particularly vulnerable to cybersecurity threats. Understanding these vulnerabilities and taking proactive steps to protect your business can make all the difference in avoiding costly breaches, downtime, and reputational damage.

Why Are Business Owners at Risk?

1. Lack of Awareness and Training Many business owners are unfamiliar with cybersecurity risks, relying heavily on standard antivirus software without understanding the full scope of potential threats. Common vulnerabilities include phishing scams, malware, and ransomware attacks, which are becoming increasingly sophisticated and harder to detect. Regularly educating yourself and your team on the latest cyber risks is essential in staying one step ahead of these threats.
2. Rising Threat of Social Engineering Social engineering attacks, such as phishing emails and fraudulent phone calls, specifically target people rather than systems. Business owners may unknowingly fall prey to these scams, believing that the person on the other end is a trusted employee or partner. These tactics rely on manipulation and deception, making even the most tech-savvy individuals susceptible.
3. Underestimating the Value of Data Often, business owners assume that because they aren’t in the tech industry, their data is not valuable. However, cybercriminals view small businesses as easy targets due to their often-limited security measures. Customer information, payment details, and trade secrets are just some of the valuable assets that attackers look for.
4. Limited Resources for Cybersecurity Many small and medium-sized businesses operate on tight budgets, which can lead to cuts in cybersecurity spending. Unfortunately, this often leaves them vulnerable to cyberattacks, as strong cybersecurity measures require dedicated resources, including security software, specialized personnel, and regular system audits.

Common Cybersecurity Threats to Look Out For

• Phishing Attacks: These are deceptive attempts to steal sensitive information by pretending to be a trustworthy entity. Phishing often arrives via email and can contain links or attachments that install malware on your device.
• Ransomware: This type of malware encrypts your data and demands a ransom to release it. Business owners may feel compelled to pay quickly to minimize business disruption, only to find that attackers may still withhold or delete data even after payment.
• Weak Passwords: Using weak passwords or failing to change default passwords is a common mistake that leaves systems open to hackers. Simple passwords are often easy to crack, especially with automated tools used by cybercriminals.

Steps Business Owners Can Take to Protect Their Business

1. Implement Multi-Factor Authentication (MFA) Multi-factor authentication provides an additional layer of security by requiring users to verify their identity through a second form of identification. This significantly reduces the chances of unauthorized access.
2. Regularly Update Software and Systems Outdated software is often more vulnerable to attacks. Ensure that you and your team regularly install updates and patches to protect against the latest threats. Enable automatic updates whenever possible to streamline this process.
3. Use Strong, Unique Passwords Password management is crucial for cybersecurity. Encourage the use of complex, unique passwords for each system, and consider using a password manager to securely store them.
4. Invest in Security Software Robust antivirus and anti-malware programs are essential for every business. Additionally, invest in tools that provide endpoint protection and monitor for suspicious activity across devices connected to your network.
5. Regular Employee Training A well-trained team is your first line of defense against cyber threats. Conduct regular training sessions on recognizing phishing attempts, understanding secure data practices, and following company security policies.
6. Back Up Data Regularly Data backups should be part of your disaster recovery plan. Regularly backup data to secure, offsite storage, ensuring that your business can continue operations even in the event of a cyberattack.

Final Thoughts
Cybersecurity is no longer a luxury but a necessity for business owners of all sizes. By implementing these proactive measures, you can protect your company, employees, and customers from potential threats and operate with peace of mind. In a world where cyber threats are constantly evolving, staying vigilant and prepared is the best way to protect your business and ensure its long-term success.

Grow Your Small Business, whether you have an established business or a new Side-Hustle: Accounting Tips For Entrepreneurs
Have you heard these myths about small business accounting? Myth #1: You have to be a math whiz to handle your own accounting. Myth #2: Networking is only for socializing, not growing your business. Myth #3: QuickBooks is too complicated for small businesses. I'm about to reveal the truth, but first, let's dive into why these myths might be holding you back.
 
My special guest is Tom Gosche
 
Tom Gosche, the expert behind GLM Financial, brings a wealth of experience in the accounting and bookkeeping arena. His tailored approach to serving small businesses, ranging from one-person operations to those with up to 30 employees, has earned him a stellar reputation in the industry. With a focus on not only managing financial numbers but also educating business owners on their implications, Tom's expertise goes beyond traditional accounting services. His commitment to providing cost-effective and efficient solutions, coupled with a genuine passion for helping small businesses succeed, makes him a valuable asset for entrepreneurs seeking to enhance their financial management strategies.
 
It's really important to separate your business and your personal if you're doing any type of side gigs and you don't have to incorporate until it's time to incorporate. - Tom Gosche
 
In this episode, you will be able to:

• Mastering Small Business Accounting: Unlock the secrets to better financial management and business success.
• Harnessing the Power of Networking: Elevate your entrepreneurial journey through the game-changing benefits of strategic connections.
• QuickBooks Training Unveiled: Streamline your small business finances like a pro and take control of your financial destiny.
• Legally Starting a Side Hustle: Learn the essential steps to launch and grow your side business with confidence and compliance.

 
Level Up Your Small Business
Utilizing services like QuickBooks training can enhance financial management for small businesses. Separating personal and business finances is crucial for accurate financial reporting. Seeking professional advice and conducting year-end reviews can optimize business finances and drive growth.
 
Guest: Tom Gosche Email: [email protected]; Phone: 630.675.8971
 
https://feeds.podetize.com/ep/4hARohghE/media
 
https://rumble.com/v5h9bth-grow-your-small-business-accounting-tips-for-entrepreneurs-with-tom-gosche.html
 
https://youtu.be/-0IY9fp3XG0

I Got A Guy Podcast is a registered trademark of Michael Drelicharz, Host 

Precise Fleet Tracking Solutions,
www.precisefleettracking.com, 
Michael Drelicharz
Precise Fleet Tracking Solutions
[email protected]
847.865.6008 office
847.942.3086 cell​

In today's digital age, planning a vacation is often as easy as a few clicks on an online travel site. However, the convenience of booking travel online doesn't always equate to the best experience or value. Here are several advantages of using travel agents instead of relying solely on online travel sites for planning your next vacation.

1. Personalized Service
Travel agents provide a level of personalized service that online travel sites simply cannot match. They take the time to understand your preferences, interests, and budget to create a customized travel itinerary tailored to your needs. Whether you’re looking for a romantic getaway, a family vacation, or an adventure trip, a travel agent can offer recommendations and make arrangements that align perfectly with your desires.

2. Expert Knowledge and Experience
Travel agents bring a wealth of knowledge and experience to the table. They are often well-traveled themselves and have firsthand experience of various destinations, hotels, and activities. This expertise allows them to offer valuable insights, insider tips, and recommendations that you won’t find online. They can also advise you on the best times to visit certain destinations, avoiding peak tourist seasons and ensuring a more enjoyable experience.

3. Time Savings
Planning a vacation can be a time-consuming process, especially when trying to compare flights, accommodations, and activities across multiple websites. A travel agent takes on this burden, handling all the research and bookings for you. This saves you significant time and effort, allowing you to focus on other important aspects of your life.

4. Access to Exclusive Deals and Perks
Travel agents often have access to exclusive deals, discounts, and perks that are not available to the general public. They have established relationships with airlines, hotels, and tour operators, allowing them to secure better rates and added benefits for their clients. This can include room upgrades, complimentary breakfasts, spa credits, and more, enhancing the overall value of your vacation.

5. Problem Resolution
One of the major advantages of using a travel agent is the peace of mind that comes with knowing you have an advocate in case something goes wrong. Whether it’s a flight cancellation, hotel overbooking, or any other travel hiccup, a travel agent can quickly intervene and find a solution. Their industry connections and expertise enable them to resolve issues more efficiently than you could on your own.

6. Detailed Itineraries and Support
Travel agents provide detailed itineraries that outline every aspect of your trip, from flights and accommodations to activities and dining reservations. This ensures you have a well-organized plan and reduces the stress of managing details while on vacation. Additionally, travel agents offer ongoing support before, during, and after your trip, answering any questions and addressing any concerns you might have.

7. Customized Travel Insurance
Travel insurance is an essential component of any vacation, providing protection against unforeseen events such as trip cancellations, medical emergencies, and lost luggage. Travel agents can recommend and arrange customized insurance policies that suit your specific needs, ensuring you’re adequately covered throughout your journey.

8. In-depth Destination Knowledge
Travel agents stay up-to-date with the latest travel advisories, safety information, and entry requirements for various destinations. They can inform you about visa requirements, vaccination recommendations, and any travel restrictions that may affect your plans. This ensures you are well-prepared and compliant with all necessary regulations.

9. Specialized Travel Planning
For more complex trips, such as multi-destination itineraries, cruises, or group travel, a travel agent’s expertise is invaluable. They can seamlessly coordinate all the logistics, ensuring smooth transitions between destinations and activities. This level of coordination is difficult to achieve through online travel sites alone.

10. Added Value for Special Occasions
If you’re planning a special occasion such as a honeymoon, anniversary, or milestone celebration, a travel agent can add significant value. They can arrange special touches like romantic dinners, private tours, and personalized experiences that make your trip truly memorable. Their attention to detail ensures that every aspect of your special occasion is handled with care and precision.

Conclusion
While online travel sites offer convenience, the benefits of using a travel agent extend far beyond simple bookings. From personalized service and expert knowledge to exclusive deals and problem resolution, travel agents provide a level of support and value that enhances your overall travel experience. For your next vacation, consider enlisting the services of a travel agent to ensure a smooth, enjoyable, and unforgettable journey.

Matching Ideas with Resources:
For a good local Travel Agent check out:

​https://cruisesinternational.com/ or https://www.udreamit.net/ 

Blogging isn't just about writing; it's a journey of discovery, consistency, and evolution. Since December 2015, I have been publishing blog posts every Monday, without fail. This continuous cycle has been both a challenge and a reward, pushing the boundaries of creativity and commitment. Here’s a look at the lessons learned, the strategies developed, and the impact of this blogging journey.

The Genesis: December 2015
In December 2015, the idea of a weekly blog post was born out of a desire to share knowledge and insights with a broader audience. The aim was simple: provide valuable content consistently every Monday. Starting with topics close to my heart, such as personal development and productivity, the blog quickly evolved to cover a wide range of subjects.

Early Challenges

1. Consistency: The initial struggle was maintaining a regular posting schedule. There were times when inspiration was scarce, and writer’s block seemed insurmountable.
2. Content Quality: Ensuring each post added value to readers' lives while being engaging and well-researched was a constant challenge.

Overcoming Hurdles

1. Planning Ahead: Creating an editorial calendar helped in organizing topics and maintaining a steady flow of content.
2. Research and Engagement: Investing time in research and engaging with readers' comments and feedback helped refine the content quality over time.

The Evolution: Adapting and Growing

Expanding Topics
The blog’s scope broadened as I started exploring diverse subjects like technology trends, digital marketing, mental health, and travel. This variety not only kept the content fresh but also attracted a more extensive readership.

The Routine: Crafting the Weekly Post
Research and Idea Generation
Every blog post starts with thorough research. I spend a significant portion of the week reading articles, watching videos, and absorbing information related to the upcoming topic. This research phase is crucial for building a strong foundation for the post.
Writing Process

1. Outline Creation: I start with a rough outline, organizing the main points and arguments.
2. Drafting: The first draft is about getting ideas on paper without worrying too much about perfection.
3. Revisions: Multiple revisions help in refining the content, ensuring clarity, and enhancing readability.

The Impact: Reflection and Learning
Building a Community
Over the years, the blog has built a loyal readership. Engaging with this community has been one of the most rewarding aspects of blogging. Readers’ stories, experiences, and insights have enriched the blog’s content and created a vibrant exchange of ideas.
Personal Growth
The process of researching, writing, and publishing weekly posts has contributed significantly to my personal and professional growth. It has enhanced my writing skills, expanded my knowledge base, and taught me the importance of discipline and perseverance.
Professional Opportunities
Consistent blogging has also opened up numerous professional opportunities, including collaborations, guest blogging, and speaking engagements. The blog has become a platform showcasing expertise and a portfolio for potential clients and partners.

The Future: Looking Ahead
Exploring New Mediums
In the coming years, I plan to experiment with new content formats, such as podcasts and video blogs, to reach a wider audience. These mediums offer different ways to present information and engage with readers.
Community Expansion
Building a more interactive community space, possibly through forums or social media groups, is another goal. This would provide a platform for readers to discuss topics in more depth and share their insights.
Continued Learning
The journey of blogging is never complete. Continuous learning and adapting to new trends and reader preferences will remain a cornerstone of this blog’s evolution.

Conclusion: A Journey Worth Every Monday
Blogging every Monday since December 2015 has been a fulfilling journey. It has taught me the value of consistency, the importance of quality content, and the joy of connecting with a diverse audience. As I look to the future, I am excited about the possibilities and committed to continuing this journey of sharing, learning, and growing through the blog.

Not everyone can do this every week. If you need help, I suggest a great writer:

David Telisman - President, David Telisman Communications, LLC
www.davidtelisman.com​
[ Schedule a Meeting ] 
[email protected]
(224) 645-2748

Thursday Morning LIve
Mike Moraski talks with Tom Gosche on tax planning and savings.

Michael Morawski 
​Helping Busy Professionals Create Passive Income & Grow Generational Wealth, Trainer & Coach for Real Estate Investors, , Public Speaker, Host of Insider Secrets Podcast & Author.
Linked In: ​www.linkedin.com/in/michael-morawski/

Watch the Interview:
https://www.facebook.com/mike.morawski.54/videos/264863352885392

Rotary International, a global service organization, is known for its dedication to humanitarian efforts and community service. However, beyond its philanthropic work, Rotary also offers a unique platform for Rotarians to connect and promote economic growth within their communities. Rotary Means Business is an initiative within the Rotary framework that encourages Rotarians to support the success of their fellow Rotarians by doing business with them and referring others to their services. In this blog, we will explore the reasons why networking at Rotary Means Business can be a game-changer for your business and your local community.

1. Building Trust and Solid Relationships
One of the key principles of Rotary Means Business is building trust and solid relationships among Rotarians. The Rotary network is comprised of dedicated professionals who are committed to the organization's values of service and ethical conduct. When you engage in business with a fellow Rotarian, there's an inherent level of trust that you can rely on. This trust forms a strong foundation for successful business relationships, making it easier to collaborate and support each other's endeavors.

2. An Extensive and Diverse Network
Rotary International boasts over 1.4 million members across the globe. This vast network presents a unique opportunity to connect with people from various professions and industries. By networking at Rotary Means Business events, you can tap into this diverse and extensive network, opening doors to new business opportunities, partnerships, and collaborations that you might not have encountered elsewhere.

3. Word-of-Mouth Referrals
One of the most valuable aspects of Rotary Means Business is the culture of referrals. Rotarians actively refer other Rotarians to their business contacts and associates. This word-of-mouth marketing can significantly boost your business's visibility and credibility. When a fellow Rotarian refers you, it's often viewed as a strong endorsement, which can help attract new customers, clients, or partners.

4. Professional Development
Rotary Means Business not only helps with business growth but also supports your professional development. Networking events often feature guest speakers and presentations on a variety of topics, such as leadership, entrepreneurship, and industry trends. These educational opportunities can equip you with the knowledge and skills necessary to stay competitive and thrive in your business.

5. Community Impact
As a Rotarian, your participation in Rotary Means Business also has a positive impact on your local community. When Rotarians support each other's businesses, it contributes to the economic growth of the community, creates job opportunities, and fosters a sense of camaraderie among local business owners. This, in turn, strengthens the overall community fabric.

6. Alignment with Rotary's Core Values
Rotary International is guided by the Four-Way Test, a set of ethical principles that emphasizes truth, fairness, goodwill, and beneficial outcomes. Networking at Rotary Means Business aligns perfectly with these values, as it encourages honest, fair, and mutually beneficial business interactions. By participating in this initiative, you not only uphold Rotary's principles but also contribute to a thriving and ethical business environment.

Conclusion
Rotary Means Business is a powerful avenue for Rotarians to leverage their professional skills and networks for the benefit of both their businesses and their communities. Through trust, a diverse network, referrals, professional development, community impact, and alignment with Rotary's core values, networking at Rotary Means Business offers a wealth of opportunities. So, if you're a Rotarian looking to enhance your business and make a positive impact, consider becoming an active participant in Rotary Means Business events – it's a win-win for you and your community.

​Register today!
https://form.jotform.com/232815720353149

​Open enrollment is an important period during which individuals can make changes to their health insurance, benefits, and other workplace-related selections. Here are some key considerations people should keep in mind when going through the open enrollment process:

1. Plan Options: Understand the different health insurance and benefit plans available to you. Consider factors like deductibles, premiums, coverage networks, and plan types (e.g., HMO, PPO, or HDHP).

2. Current Coverage: Review your current coverage to identify what worked well and what didn't in the past year. This can help you make more informed decisions for the upcoming year.

3. Life Changes: Take into account any significant life changes that may affect your coverage needs, such as getting married, having a child, or experiencing a change in your health.

4. Budget: Assess your budget and determine how much you can afford in terms of premiums and out-of-pocket costs. Ensure you choose a plan that aligns with your financial situation.

5. Network Providers: Verify that your preferred healthcare providers, doctors, and specialists are in-network for the plan you're considering. Going out of network can be expensive.

6. Prescription Coverage: If you take regular medications, check whether they are covered under the plan and at what cost. Look into formularies to see if there are generic alternatives.

7. Wellness Programs: Some employers offer wellness programs that can help you save money or improve your health. Look into these and see if they're a good fit for you.

8. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs)**: If available, consider contributing to these accounts for tax benefits. FSAs are used for eligible medical expenses, while HSAs are for those with high-deductible health plans and can be used for medical expenses or saved for the future.

9. Coverage for Dependents: If you have dependents, make sure to enroll them in the appropriate coverage. Assess their healthcare and dental needs.

10. Dental and Vision Coverage: Evaluate whether dental and vision plans are part of your benefits and decide if you need these types of coverage.

11. Disability and Life Insurance: Review any disability and life insurance options provided by your employer. These can be essential for protecting your income and family.

12. Retirement Contributions: If your employer offers a retirement savings plan like a 401(k), consider adjusting your contributions based on your long-term financial goals.

13. Legal Documents: Review and update your beneficiaries on all insurance policies, including life insurance and retirement accounts.

14. Preventive Care: Understand which preventive services are covered at no cost and make sure to take advantage of them for your health.

15. Deadline: Be aware of the open enrollment deadline. Missing it may mean you can't make changes to your benefits until the next open enrollment period, unless you have a qualifying life event.

16. Ask Questions: If you have any doubts or questions, don't hesitate to reach out to your HR department or insurance providers for clarification.

17. Compare Plans: Take the time to compare different plans, either on paper or using online tools provided by your employer, to make an informed decision.

18. Seek Professional Advice: If you have complex insurance needs or are uncertain about your choices, consider consulting with an insurance broker or financial advisor.

19. Record Keeping: Keep records of your selections and any communication related to your open enrollment choices. This can be helpful in case of disputes or issues down the line.

Open enrollment is a critical opportunity to ensure that your healthcare and benefits align with your needs and preferences, so it's essential to make informed decisions.

Introduction:
In life, some threads stand out, weaving stories of passion, dedication, and camaraderie. For me, starting and nurturing a group called Engaging Speakers has been one such defining thread. Over two decades, this endeavor has evolved from a mere idea to a community of extraordinary individuals, all bound by the shared passion for public speaking and the transformative power of words.
 
In the summer of 2003, Gail Brown and I embarked on a journey to create a space where speakers, aspiring and seasoned alike, could come together, learn, grow, and inspire one another. Little did I know then that this journey would unfold into a transformative odyssey, touching the lives of countless individuals.
 
The Genesis of Engaging Speakers
Two decades ago, the seed of Engaging Speakers was sown from a desire to foster a supportive community for individuals enthusiastic about the art of public speaking. The initial vision was to create a space where people could not only refine their speaking skills but also find their authentic voice, connect with a network of like-minded individuals, and explore speaking engagements.
 
Cultivating Growth and Impact
The growth of Engaging Speakers over the years has been nothing short of phenomenal. What began as a small gathering of passionate speakers has blossomed into a thriving community of diverse voices, collectively making a significant impact in various spheres of life. The engagement and dedication of the members have been instrumental in turning this vision into a reality.
However, like any journey, the path to growth was not always smooth. Over the years, our community experienced its fair share of ups and downs, reflecting the ebb and flow of life and the world of professional speaking. But through it all, we persevered, adapting to changing landscapes and emerging stronger as a result.
 
A Collection of Great People and Amazing Speakers
The heart and soul of Engaging Speakers lie in its people—the members, each bringing their unique stories, experiences, and expertise to the table. Our community is vibrant, interwoven with a multitude of colors and patterns, united by the common goal of sharing knowledge, empowering others, and creating positive change.
 
The speakers who have graced our platform over the years have been the lifeblood of our community. Their inspirational talks, insightful guidance, and unwavering commitment to making a difference have left an indelible mark on all of us. Beyond sharing their wisdom, these speakers have also been invaluable connections for networking and securing speaking engagements, further propelling the growth of our community.
 
The Heartfelt Gratitude
As I reflect on the past 20 years, my heart swells with gratitude. Engaging Speakers has been a labor of love, fueled by the dedication of all involved. The joy of witnessing members' growth, the pride in their accomplishments, and the camaraderie that has been fostered—it's all beyond words.
 
Conclusion
In life, Engaging Speakers stands as a vibrant, enduring thread, representing growth, transformation, and the immense power of human connection. This journey has been a testament to the impact that a community of passionate individuals can have when united by a shared purpose. Here's to the next 20 years, where we continue to inspire, empower, make a difference, and forge new speaking engagements, one engaging speech at a time.
 
Come help us Celebrate the 20th Anniversary of Engaging Speakers at lunch on October 20th in Elk Grove
www.engagingspeakers.com/20th