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 Kozi Checks & Balances TaxTactics News 
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March 22.2025
3 Minutes Read

NordProtect's New Stand-Alone Service Offers Essential Online Fraud Coverage

NordProtect Stand-Alone Service Online Fraud Coverage logo representation.

NordProtect Launches Stand-Alone Service with Enhanced Fraud Coverage

In an era of increasing online threats, NordVPN’s identity theft protection service, NordProtect, has transitioned to a stand-alone offering specifically in the United States. This strategic move enables users to access crucial identity protection services without needing to invest in a full NordVPN Prime subscription.

Why NordProtect’s Online Fraud Coverage Matters

In light of rising scams—ranging from romance fraud to QR code scams—NordProtect has significantly expanded its offering to include online fraud coverage. Users are now eligible for reimbursement of up to $10,000 for losses incurred through various online scams. As cybercriminals become more sophisticated, this expanded protection is not just a valuable enhancement; it’s becoming essential for internet users navigating an increasingly treacherous digital landscape.

Identifying the Complexity of Online Fraud

Online fraud is no longer limited to the traditional scam emails; it now exhibits various forms, making it challenging for average users to stay protected. “Criminals are constantly finding new ways to extort money from people,” states Tomas Sinicki, managing director of NordProtect. The explosion of online transactions has created vast opportunities for fraud, making services like NordProtect indispensable in today’s cyber environment.

A Deep Dive into Comprehensive Identity Theft Protection

Beyond its new fraud coverage, NordProtect offers a comprehensive suite of identity theft protection services. Those unfortunate enough to face identity theft can benefit from reimbursements of up to $1 million, covering legal costs, lost wages, and other recovery expenses. Moreover, victims are assigned case managers specifically trained to assist in navigating the complexities of identity restoration, providing a tailored response to each situation.

Insights on Cyber Extortion Protections

Cyber extortion is a growing concern, and NordProtect steps up to provide coverage of up to $50,000 to aid users threatened by hackers. Whether it’s a ransom for releasing personal data or threats to delete sensitive information, this level of financial backing offers a crucial safety net for users trying to protect their data and digital lives.

Advanced Monitoring: Your Digital Guardian

The complexity of online threats necessitates vigilant monitoring. NordProtect meets this need with credit monitoring services and 24/7 dark web surveillance to safeguard users’ personal information actively. Monthly updates and alert systems ensure consumers are always one step ahead of potential threats.

Future Prospects: Expansion Beyond the U.S.

Though NordProtect is currently available only in the United States, NordVPN has plans for future expansions across Europe. Areas such as the United Kingdom, Netherlands, and Germany are included, where tailored cyber insurance packages will offer similar protections tailored to local legal landscapes. The potential for these services hints at a broader trend to make cybersecurity solutions accessible globally, democratizing internet safety.

Take Control of Your Digital Safety

With digital threats continually evolving, staying informed is your first line of defense. By considering tools like NordProtect, consumers can proactively manage risks associated with identity theft and online fraud. As internet safety considers not just personal but communal well-being, embracing protective measures isn’t merely a personal choice; it’s a societal responsibility.

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11.03.2025

Transform Your Business with Meaningful Veterans Day Messages

Update Navigate Veterans Day: A Unique Opportunity for Small Businesses Every year, as November 11th approaches, small businesses find themselves at the crossroads of recognition and gratitude. Veterans Day is not just a holiday; it's a moment for us to pause, reflect, and honor the sacrifices made by men and women in uniform. This day presents a prime opportunity for small businesses to connect with their communities through simple yet impactful messages of appreciation. Why Your Business Should Commemorate Veterans Day For many small business owners, expressing gratitude on Veterans Day serves several vital purposes. Firstly, it’s about showing genuine appreciation; people remember messages that touch their hearts. Secondly, highlighting your support for veterans strengthens community ties, positioning your business as one that values and respects service to the nation. While you craft your message, consider the variety of audiences you might serve. Engaging with clients, colleagues, employees, and the broader community not only fosters goodwill but may also inspire action, whether through volunteering or raising awareness about local veteran causes. Crafting the Perfect Veterans Day Message Identifying the right words to express your sentiments can overcome the challenge of effective communication. Here are five key elements to include in your Veterans Day messages: Sincere Thanks: Always begin with heartfelt gratitude for their service. Reason for Gratitude: Clarify your appreciation—whether it's for their service, sacrifice, or the freedoms they protect. Personal Connection: If possible, share a brief personal story or anecdote that resonates with your audience. Offer of Support: Extend your hand for support, whether it's volunteering or donations to veterans' organizations. Contact Information: Provide a means for them to reach out. This could be an invitation to connect on social media or to stop by your establishment. Examples of Veterans Day Messages for Social Media Here are some concise yet powerful examples of messages that can be shared across popular social media platforms: Happy Veterans Day! Thank you, brave heroes, for your sacrifices. Your service has paved the way for our freedoms. Today, we honor you! On this Veterans Day, we’re offering a special discount to all veterans. Thank you for your service! Let us remember those who served. Share your stories with us today! Today we celebrate your courage! Stop by for a special treat! Integrating Community and Support Extending your reach beyond just a message is beneficial. Engage with local veteran communities through initiatives like supporting veteran charities or hosting community events. This commitment reflects positively on your brand and can attract customers who also wish to support veterans. Participating in local parades or events can elevate your business visibility in the community and signify that you care. The Significance of Timing and Tone To maximize the impact of your Veterans Day messages, timing is crucial. Make sure your messages resonate on the day of observance. A well-timed message can strengthen your outreach and encourage engagement. Moreover, the tone of your message should balance respect with warmth. Each greeting should celebrate their contribution genuinely. Final Thoughts: The Power of Appreciation Sending out Veterans Day messages is not merely a marketing tactic; it’s an expression of gratitude. From heartfelt thank-yous to tangible support, small businesses have a unique opportunity to connect with veterans and elevate community spirits. In doing so, you solidify your role as both a business leader and a community partner. This Veterans Day, take the time to honor those who have served, not just with words but with actions that show your enduring appreciation. After all, the sacrifices of our veterans instill our communities with freedom and strength.

11.02.2025

How AI and Buy Now, Pay Later are Changing Holiday Shopping for Merchants

Update Revolutionizing Holiday Shopping: AI and BNPL in Focus As the holiday season draws near, small business owners are presented with evolving dynamics that could shape their sales strategies. According to PayPal's 2025 Holiday Shopping Survey, a significant 40% of American consumers have turned to artificial intelligence (AI) for shopping support over the past year, with an overwhelming 77% planning to do so again this holiday season. This shift is not merely about technology; it's about understanding consumer behaviors that may dictate successful sales tactics. The Power of Flexibility: Why BNPL is Essential Flexible payment solutions like Buy Now, Pay Later (BNPL) are no longer just a trendy option. They have become an integral expectation among shoppers. In fact, 50% of surveyed consumers expressed intentions to utilize BNPL during holiday shopping, primarily for its affordability and enhanced budget control. Michelle Gill, General Manager of Small Business and Financial Services at PayPal, suggests that when consumers know they can spread their payments over time, they are significantly more likely to complete their purchases. PayPal’s insights reveal that businesses have seen increases in average order value—91% for large enterprises and 62% for small firms—when offering BNPL options. AI: The New Shopping Companion AI is changing how consumers interact with products and brands. The survey indicates that 34% of respondents plan to leverage AI tools to find the best deals, while 30% will use AI for product comparisons. For small business owners, optimizing their visibility on AI platforms is crucial for capturing the attention of consumers seeking convenience and efficiency. Multichannel Strategy: Bridging Online and Offline Experiences The current trend of omnichannel retailing is significant, with 64% of shoppers indicating they will frequent physical stores this holiday season. Adapting to a seamless shopping experience across both online and in-store platforms can enhance customer loyalty. In fact, the survey shows that 74% of consumers are more likely to shop with merchants who offer rewards and cash back, making incentive programs more than just a bonus—they're pivotal in retaining customers. Key Considerations for Small Businesses While the integration of AI and BNPL could seem tempting, small business owners need to be aware of practical challenges associated with these technologies. Implementing AI requires time and resources aimed at optimizing product listings to engage effectively with intelligent algorithms. Moreover, adopting BNPL could demand partnerships with financial services, which may pose hurdles for smaller companies operating on tight budgets. Strategize for the Future: A Call to Action As we approach the holiday rush, it’s imperative for small business owners to not only adapt their strategies but also to look beyond immediate gains. By capitalizing on AI and BNPL, while considering the importance of a unified retail experience, businesses can build lasting relationships with their customers and position themselves for sustained growth far beyond the holiday season.

11.01.2025

Why Small Business Sales Are Surging as Owners Exit Amid Inflation Pressures

Update A Surge in Small Business Sales Amid Inflation Concerns The small business market is undergoing a notable transformation, as owners accelerate sales in response to inflationary pressures and other economic uncertainties. Recent data from BizBuySell reveals that completed small business sales climbed to 2,599 in Q3 2025, reflecting an 8% year-over-year increase and an 11% surge from the prior quarter. Total transaction values have reached $2.13 billion, indicating heightened activity in an uncertain economic climate. Understanding the Need for Urgency Among Sellers Despite the apparent uptick in sales, this trend is not driven by optimism; instead, many owners are compelled to sell due to the financial toll of inflation and ongoing tariff increases. The Buyer-Seller Confidence Index — which measures owner sentiment — has slipped below neutral, falling from 50 to 48. More than half of surveyed owners indicated their operating costs have risen due to tariffs, while the majority acknowledged that inflationary pressures continue to impact their bottom line. Specifically, Donny Ravas, who runs Dell Transport, highlights soaring insurance and maintenance costs as pressures that have significantly affected smaller businesses like his. Strategic Selling in an Accelerated Market Interestingly, the current climate has instigated a belief among sellers that the time to sell is now. About 55% of small business owners feel they can achieve their want price today, while 60% fear that postponing a sale could yield lesser offers. Speed is a core aspect of today’s transactions, as businesses are spending a median of just 149 days on the market — the shortest duration since 2017. This swift deal cycle reflects buyers' eagerness to take advantage of current market conditions. The Emergence of Corporate Refugees as Buyers A noteworthy trend among buyers is the rise of “corporate refugees” — individuals who are leaving their corporate jobs to pursue business ownership. Around 40% of current buyers fit this category, often targeting essential service sectors that are deemed recession-resilient, such as HVAC, plumbing, and landscaping. This shift towards service-heavy industries indicates buyers are focusing on sectors that can withstand economic fluctuations. The Impact of Economic Pressures on Valuations While buyer interest remains robust, the median sale prices are trending downward. The average sale price decreased to $320,044 in Q3, reflecting a broader trend in declining profitability among sellers. Similar patterns are noted in cash flow and revenue, both experiencing dips year-over-year. As costs escalate, sellers are increasingly undervalued, which contributes to the decline in sale prices. This implies that buyers are not merely scoring great deals through better negotiation, but the very structure and health of businesses for sale are in question due to rising expenses. Looking Ahead: Opportunities and Challenges in Small Business Sales The current environment has created a dynamic marketplace bursting with potential for both buyers and sellers. For those contemplating retirement, now may be an ideal moment to sell, even if it isn’t perfect from a market perspective. With the Federal Reserve suggesting potential interest rate cuts, funding might become easier, leading to even more acquisition opportunities in the coming years. Business owners, however, are advised to focus on their readiness for sale over economic signals to achieve the best outcomes. In summary, while challenges persist, a focus on service sectors and strategic positioning will remain key for navigating these evolving market conditions.

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