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| MIDNIGHT OIL |
| EDITION 375 |
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| RESOURCES & TIPS |
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| Cybersecurity doesn’t have to be complicated |
| Security policies only work if employees can understand and follow them. This National Cybersecurity Awareness Month, learn how to simplify cybersecurity guidelines, focus on what matters most, and help your team become your first line of defense against cyber threats. |
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| Last Call: Join Us at the CO—100 Small Business Forum |
| The CO—100 Small Business Forum is just around the corner, bringing together top entrepreneurs, business leaders, and CO—100 Honorees for an afternoon of insights, networking, and inspiration. Hear from the founders of businesses like Josh Cellars and The Elf on the Shelf® to discover how they turned from familial interests into national brands. Register now! |
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| CONTENT FROM PAYCOM |
| Compliance Is Easier With the Right Tools |
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| Keeping up with payroll, onboarding, employee records, and evolving regulations can be challenging for businesses of any size. Modern HR software can help reduce manual work, improve accuracy, and keep important information organized in one place.
Explore this guide to learn how HR software can simplify compliance, streamline HR processes, and support your growing team. |
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| “People are starting to be able to manifest ideas themselves without having to raise money or build large teams. Many ideas that would have been too hard or expensive to try before will now be possible.” |
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| CO— GUIDE TO TAX PREPARATION |
| Tax deductions every small business should know |
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| Many business owners focus on taxes when they’re due. Savvy business owners focus on taxes before they’re due. Our collection of tax resources highlights opportunities to better understand deductions, credits, and business expenses that may impact your bottom line.
Get insights on:
- Small business deductions
- Home-based business tax considerations
- Tax credits you may qualify for
- Year-round tax planning strategies
A little knowledge now could help put your business in a stronger position later. |
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| Independent contractors with $400+ in net earnings are generally required to pay self-employment taxes. Explore the forms, deductions, deadlines, and resources that can help you stay organized and avoid surprises at tax time. |
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| Facebook reports that Reels account for roughly 60% of creator earnings on the platform, highlighting the growing opportunity for businesses to create video content. Learn how Facebook monetization works and explore ways to turn your content, audience, and products into revenue. |
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| A MESSAGE FROM THE U.S. CHAMBER |
| Help Shape Small Business Policy |
| IN JUST 12 MINUTES |
| The Federal Reserve’s 2026 Small Business Credit Survey is now open, giving business owners an opportunity to share insights about financing, credit access, business conditions, and growth challenges.
The survey takes about 12 minutes to complete, and the results help inform policymakers, researchers, and organizations working to support small businesses across the country. |
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| GRANTS & AWARDS |
| Morgan Stanley’s Small Business Academy is a 12-week virtual educational program followed by a yearlong mentorship program that helps small business owners strengthen their business knowledge, navigate the procurement process, and expand their network. Participants who successfully complete the program can also pitch a business case to Morgan Stanley judges for potential access to capital.
The Breva Thrive Grant awards $5,000 each quarter to a U.S.-based construction business or organization that demonstrates community impact. The grant is open to contractors, builders, remodelers, construction suppliers, and nonprofits or associations serving the industry. Revenue is not required, and while one year of operating history is preferred, newer businesses with demonstrated traction may also apply. Applications for Q4 are open through October 31.
The Shophand $5k Small Business Boost Grant provides $5,000 in support to help U.S.-based small business owners address tech or operational challenges. Awarded twice per year, winners receive $2,500 in unrestricted cash and $2,500 in Shophand technical support and services. To be eligible, applicants must operate a for-profit U.S. business with fewer than 50 employees and annual revenue under $5 million. Applications for the current cycle are due on November 30.
More grant & program information can be found here. |
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| This e-mail was sent to ray@douglascountygeorgia.com and contains information directly related to your subscription profile. |
| CO— by U.S. Chamber of Commerce 1615 H Street, NW WASHINGTON, DC, 20062, US |
“U.S. Chamber” and “U.S. CHAMBER OF COMMERCE” are registered trademarks
of the Chamber of Commerce of the United States of America |
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