Month: April 2023

The 9 Best Free News Apps for Android and iOS

For a lot of people, news consumption has shifted from websites and newspapers to aggregator apps on smartphones. But finding the right one is surprisingly still quite a challenging process.

When picking the best news app, you need to look out for a lot of features, including smart algorithms, dark themes, offloading options, and more. To help you decide what to use, here are our picks of the best news apps for Android and iPhone.


1. Google News

You’re probably already familiar with this one. Google News is a straightforward news reader relying on several contextual frameworks to catch stories tailored to your interests.

You can specifically configure your Google News feed, or just use the app and Google News will figure out what you like on its own. In addition, Google News also allows you to read magazines and even sync your paid subscriptions.

What’s more, it can download articles for you to read later. There’s a dark mode as well; you can keep this enabled all the time or automatically trigger it when your phone goes into dark mode.

Google News has a bunch of other tools you might find helpful. One is a section called Your Briefing that brings relevant stories for you to consume in the morning. Tap individual stories to read more on the original topic if you’re interested.

Download: Google News for Android | iOS | Web (Free)

2. Microsoft Start

Microsoft’s take on news aggregation is similar to Google News in a lot of ways. It, too, learns from your reading habits to pick up on your interests and what sources you like. You can, of course, manually customize these topics and even search for particular ones.

Two main tabs display news: News

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How Much do Small Businesses Spend on Advertising?

Small businesses are spending more on their marketing budget numbers. In fact, advertising expenses have gone up almost 4% in 2023 from the previous two years. Deloitte reports advertising budgets will make up about 13.6% of the total for these enterprises this year.

What is The Average Marketing Budget for a Small Business?

According to Salesforce, B2C companies should spend 15% of their revenue on campaigns. Hubspot reports the average spend for a business was 8.7% of total revenue last year.

What Marketing Costs Need to be taken into Account?

Small businesses have two different marketing and advertising budget costs. These can be subdivided for a target audience that prefers online marketing, or offline small business tools.

Online Advertising Budget

Content marketing is a big part of the efforts that go into a budget. Online advertising costs are different for B2B and B2C businesses.

Digital advertising had an estimated worth of $210 billion by 2022.

Offline Advertising Budget

As you might expect, not everyone has an ad spend geared exclusively toward digital advertising. Traditional advertising also has a role and a budget process to get repeat business.

how much do small businesses spend on advertising

1. Online Advertising: Marketing Budgets for Small Businesses

Last year alone, around $616 billion USD was spent on digital advertising globally. The following are some of the best investments in that space.

Google Ads

This is a fairly simple way to draw in potential customers. It is Google’s online advertising tool. Your business needs to choose keywords that align with your goals. This option is also called Google Adwords.

Social Media Marketing

Simply put this is about creating content that promotes your product and services. Don’t put all your eggs in one basket — many businesses use a variety of platforms like Instagram and Facebook.

Search Engine Optimization

SEO is about optimizing

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FIRST BUSINESS FINANCIAL SERVICES, INC. Management’s Discussion and Analysis of Financial Condition and Results of Operations (form 10-Q)


Unless otherwise indicated or unless the context requires otherwise, all
references in this Report to the “Corporation,” “we,” “us,” “our,” or similar
references mean First Business Financial Services, Inc. together with our
subsidiary. “FBB” or the “Bank” refers to our subsidiary, First Business Bank.

                           Forward-Looking Statements

  This report may include forward-looking statements as defined in the Private
Securities Litigation Reform Act of 1995, which reflect our current views with
respect to future events and financial performance. Forward-looking statements
are not based on historical information, but rather are related to future
operations, strategies, financial results, or other developments.
Forward-looking statements are based on management's expectations as well as
certain assumptions and estimates made by, and information available to,
management at the time the statements are made. Such statements are subject to
risks and uncertainties, including among other things:

•Adverse changes in the economy or business conditions, either nationally or in
our markets, including, without limitation, inflation, supply chain issues,
labor shortages, wage pressures, and the adverse effects of the COVID-19
pandemic on the global, national, and local economy.
•Competitive pressures among depository and other financial institutions
nationally and in our markets.
•Increases in defaults by borrowers and other delinquencies.
•Our ability to manage growth effectively, including the successful expansion of
our client support, administrative infrastructure, and internal management
•Fluctuations in interest rates and market prices.
•Changes in legislative or regulatory requirements applicable to us and our
•Changes in tax requirements, including tax rate changes, new tax laws, and
revised tax law interpretations.
•Fraud, including client and system failure or breaches of our network security,
including our internet banking activities.
•Failure to comply with the applicable SBA regulations in order to maintain the
eligibility of the guaranteed portions of SBA loans.

  These risks could cause actual results to 
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Which One is Right for You?

Choosing the right business title is crucial for any small business owner as it not only reflects your role in the company but also affects how others perceive you and your business. To help you find the perfect job title that accurately represents your role, we’ve put together 21 small business owner title options. Let’s dive in!

What is a Business Owner Title?

A business owner title is the official designation given to a person who owns a business. Business position titles reflect their role and responsibilities within the organization and communicate their position to others. A title can range from the standard CEO (chief executive officer) to a more creative business owner title.

Why Choosing the Right Job Title is Essential for Small Business Owners

Selecting appropriate job titles is a vital decision for small business owners. It can affect their company’s image and how they interact with customers, business partners, and employees.

business owner titles

Business Structure

The job title should reflect the business’s structure and the owner’s role in it. An LLC or sole proprietor may choose a different title than a CEO of a corporation.

Business Strategy

The job title can align with the business’s growth and expansion plans. A visionary CEO may prefer a more strategic title, while a hands-on owner may choose a more operational title.

Limited Liability Companies

The job title of an LLC owner can vary, depending on how the company is managed. Members of an LLC can choose to be managers, members, or both.

Ensuring The Business Title Aligns with The Company’s Goals

The job title should reflect the company’s mission and values. For example, a social entrepreneur may prefer a title that highlights their commitment to social or environmental impact.

Day-to-Day Operations

The job title should accurately reflect the owner’s role in the

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Used by Top CEOs: Best Apps for Reading News for Google’s Android and Apple’s iOS, 2023

Thanks to the flurry of free news apps available for Android and iOS, catching up on the news, expert analysis on breaking stories, and global developments have never been easier. The latest breaking news and information on the top stories, weather, business, entertainment, politics, and more shared on these apps are usually from thousands of premium magazines and leading newspapers.

Trusted sources, curated by editors and personalized for you: It’s not difficult to access news today, but finding a reliable one-stop shop to engage with your information can be somewhat of a challenge. From Google News and Microsoft Start to Apple News (iOS Only), Yahoo News, and some lesser-known gems, here are the best news apps for Google’s Android and Apple’s iOS, 2023. For this roundup, we were looking primarily at news aggregator apps. We spend dozens of hours researching and testing apps, using each app as intended to be used — we value the trust readers put in us to offer authentic evaluations.

These news apps bring you the world’s best journalism and deliver high-quality news headlines and breaking news from top news publishers: The New York Times, TIME magazine, USA Today, CEOWORLD magazine, Fortune, THE ECONOMIST, Forbes, AP, Reuters, and more.

Best Apps for Reading News

Used by top CEOs: The best news apps for Google’s Android and Apple’s iOS, 2023

  1. Google News
    Download: Google News App on Android and iOS
    Google News is a personalized news aggregator that organizes and highlights what’s happening in the world so you can quickly catch up and discover more about the stories that matter to you.
  2. Microsoft Start
    Download: Microsoft Start App on Android and iOS
    With Microsoft Start, you can explore the world around you. Stay updated with breaking news and stories tailored to your interests from trusted sources.
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Threesy Launches New Marketing and Advertising Strategies with a Data-Driven Approach

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Vienna, Austria–(Newsfile Corp. – April 26, 2023) – The Amazon agency Threesy is announcing a new and exciting approach to Amazon marketing and advertising with the launch of new marketing and advertising strategies. The fast-growing company provides a unique focus on data-driven solutions for their clients, in order to navigate the ever expanding and increasingly complex Amazon markets.

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Threesy’s new marketing and advertising strategies are focused on utilizing a data-driven approach to help their clients succeed on Amazon. This approach is essential in navigating the ever-expanding and increasingly complex Amazon markets, where brands need to be recognized and visible to succeed. Threesy understands the importance of using real-time data and insights to make informed decisions about marketing and advertising strategies, which is why they have developed a unique focus on data-driven solutions.

The data-driven approach allows businesses to analyze customer behavior, purchase patterns, and product performance, which can be used to optimize marketing strategies and improve product listings. By leveraging this data, businesses can tailor their advertising campaigns to reach their target audience more effectively, improving visibility and driving sales. Threesy’s expertise in utilizing this approach can help brands stay ahead of the curve in a highly competitive marketplace like Amazon.

Threesy’s data-driven approach to Amazon marketing and advertising is particularly valuable for businesses looking to expand their reach across all European Amazon markets. With different language preferences and cultural differences, it can be challenging for brands to navigate the various markets effectively. However, Threesy’s data-driven approach helps to identify long lasting trends and insights that can be used to tailor marketing and advertising campaigns for each market, increasing the chances of success.

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ChatGPT is a data privacy nightmare. If you’ve ever posted online, you ought to be concerned

ChatGPT has taken the world by storm. Within two months of its release it reached 100 million active users, making it the fastest-growing consumer application ever launched. Users are attracted to the tool’s advanced capabilities – and concerned by its potential to cause disruption in various sectors.

A much less discussed implication is the privacy risks ChatGPT poses to each and every one of us. Just yesterday, Google unveiled its own conversational AI called Bard, and others will surely follow. Technology companies working on AI have well and truly entered an arms race.

The problem is it’s fuelled by our personal data.

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Everyone’s having a field day with ChatGPT – but nobody knows how it actually works

300 billion words. How many are yours?

ChatGPT is underpinned by a large language model that requires massive amounts of data to function and improve. The more data the model is trained on, the better it gets at detecting patterns, anticipating what will come next and generating plausible text.

OpenAI, the company behind ChatGPT, fed the tool some 300 billion words systematically scraped from the internet: books, articles, websites and posts – including personal information obtained without consent.

If you’ve ever written a blog post or product review, or commented on an article online, there’s a good chance this information was consumed by ChatGPT.

So why is that an issue?

The data collection used to train ChatGPT is problematic for several reasons.

First, none of us were asked whether OpenAI could use our data. This is a clear violation of privacy, especially when data are sensitive and can be used to identify us, our family members, or our location.

Even when data are publicly available their use can breach what we call contextual integrity. This is a fundamental

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7 Best Semiconductor Stocks to Buy for 2023 | Investing

This year is already proving to be a pivotal one for semiconductor stocks. The benchmark iShares Semiconductor ETF (ticker: SOXX) is up 19.5% on a year-to-date basis as of April 24, and VanEck Vectors Semiconductor ETF (SMH) is up about 21.7% over the same period.

The industry is also on the upswing on the political front, with both the U.S. and Europe forwarding government support with the $52.7 billion U.S. CHIPS Act and the $47 billion European Chips Act in 2023. Both pieces of legislation build government funding platforms to upgrade domestic semiconductor growth opportunities and to improve supply chain issues that crimped industry expansion during the pandemic years.

With worldwide semiconductor industry revenues poised to grow to $1 trillion by 2030, which companies deserve a closer look for the rest of 2023? Here’s a set list for the semiconductor-investing crowd:

Semiconductor stock YTD return as of April 24
NXP Semiconductors NV (NXPI) 8.1%
Qualcomm Inc. (QCOM) 7.4%
Monolithic Power Systems Inc. (MPWR) 34%
Intel Corp. (INTC) 13.6%
Nvidia Corp. (NVDA) 85%
Taiwan Semiconductor Manufacturing Co. Ltd. (TSM) 14.2%
Advanced Micro Devices Inc. (AMD) 35.2%

NXP Semiconductors NV (NXPI)

This semiconductor company is underperforming against the broader industry index, with a year-to-date gain of 8.1% versus VanEck’s nearly 22% growth margin. But all is not what it seems with NXP, which appears to be positioned ideally to benefit from a ramp-up in demand from some of its strongest buyers, including those in the automobile, industrial and Internet of Things industries. Of the $13 billion earned in 2022, $9.5 billion came from those customers. Mix into the recipe NXP’s solid dividend yield of 2.4% and its appealing forward price-earnings ratio of 12.3, and it’s apparent that NXPI should be a lock as one of the top chip stocks of

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Blue Atlas Marketing Launches Comprehensive Guide On Maximizing Facebook & Instagram Ad Campaigns


Published April 26, 2023

Blue Atlas Marketing Launches Comprehensive Guide On Maximizing Facebook & Instagram Ad Campaigns

“Unlock the Secrets to Skyrocket Your Facebook & Instagram Ad Campaigns” Guide offers crucial insights and tactics for a more effective social media advertising strategy

Houston, TX – April 26, 2023 – Blue Atlas Marketing, a premier digital marketing agency, is thrilled to announce the launch of their highly-anticipated, free guide: “Unlock the Secrets to Skyrocket Your Facebook & Instagram Ad Campaigns.” This comprehensive resource is designed for social media advertising campaign managers seeking proven strategies to maximize return on investment and boost overall campaign performance.

“Unlock the Secrets to Skyrocket Your Facebook & Instagram Ad Campaigns” is a groundbreaking, in-depth guide, crafted with the expertise of Blue Atlas Marketing’s seasoned professionals. The guide divulges powerful tactics to optimize social media advertising efforts, spanning topics like audience targeting, creative ad designs, ad placements, and performance tracking. Readers will gain practical knowledge and effective strategies, empowering them to harness the full potential of their Facebook and Instagram advertising campaigns.

Facebook and Instagram, two of the most widely-used social media platforms, boast a combined user base exceeding 3.6 billion. According to recent studies, the average return on ad spend (ROAS) on these platforms is 2.0x; however, utilizing Blue Atlas Marketing’s proven strategies, businesses can experience ROAS up to 5.0x or higher.

Blue Atlas Marketing is an industry-leading digital marketing agency with a reputation for delivering exceptional results. With a focus on transparency, collaboration, and empowering clients with expert marketing strategies, Blue Atlas has become a trusted partner to businesses of all sizes. Their unwavering dedication to helping clients succeed in the ever-evolving digital landscape has cemented their position as a key player in the marketing industry.

“At Blue Atlas Marketing, we’re committed to helping businesses navigate the complex world of digital marketing by equipping them with

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Sustainable & Impactful Networking with Tapzo NFC Business Cards

Share all your contact details, links and more by tapping a Tapzo Smart Business Card onto a smartphone.

Tapzo and their Smart business cards are on a mission to encourage businesses to network smarter, not harder, by creating an exciting, effective and sustainable method for building relationships.

According to Adobe, 88% of all paper business cards handed out get thrown away within a week. Not long after this, they end up in landfill. Everything from the printing process to the pollution caused by ink and laminate entering the atmosphere is causing unimaginable harm. Deivid Colkevicius, Founder and MD of Tapzo, saw this problem and decided to tackle it head-on.

Colkevicius told us, “there are many flaws to paper business cards. You have to hand out thousands of them to see any real return, and of those, the majority end up in landfill. We know that business cards are a volume game, so we needed to find a way to create smart business cards that are better for the environment while improving conversions for salespeople. I’m proud to say, Tapzo does exactly this.”

Tapzo harnesses the power of NFC technology to make sharing and receiving contact details and marketing collateral much easier. Any Tapzo member can simply tap their business card on the phone of someone they’re networking with. At this point, your contact information goes directly into their phone.

At a networking event, many people collect countless business cards. Unless you’re memorable, that business card will never get used. However, with Tapzo, you’re removing the chance of your card ending up in a landfill or never making it to someone’s contact list. You’ll be in a prime position should that individual ever need your services – in their contacts and just a message, email, or phone call away.

One Tapzo

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