The holidays are over, and for many of us, January can feel like a bit of a letdown—a “holiday spirit hangover.” The decorations are packed away, the celebrations are done, and we’re left facing the reality of a new year. But what if this feeling isn’t the end of the holiday joy, but the beginning of something even better? January is the perfect time to reflect on the past year and set a new direction

By: James Bowman / Data Rescue Low-cost cellular companies, often referred to as Mobile Virtual Network Operators (MVNOs), differ from major carriers like Verizon, AT&T, and T-Mobile in several key areas. These include network infrastructure, pricing, and service offerings. Here’s a detailed analysis: 1. Network Infrastructure Major Carriers Own and maintain physical network infrastructure, including towers, spectrum, and equipment. Offer nationwide or global coverage with advanced technologies like 5G and LTE. Maintain full control over



It’s that time of year, and admittedly, they’re everywhere. From front windows, to public spaces, to stores and offices, our beloved Christmas trees just seem to brighten spirits and help to ring in the holidays. The look, the scent (if they’re ‘live’) and the emotions they evoke just seem so right this time of year. The lights and decorator’s choices of what goes on them and how they’re placed can work magic, for either families, singles, and whomever

The Self-Employed Tax Credit (SETC) is a critical resource for anyone with Schedule C income, freelancers, gig workers, and 1099 filers impacted by the COVID-19 pandemic. Unlike programs like PPP or ERC, which were tailored for businesses with W-2 employees, SETC was created specifically to help self-employed individuals recover lost income during periods of illness, caregiving, or school disruptions. Here’s how you can benefit from this underutilized program. Take 10 to 15 minutes to see