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Many of us dream about being our own boss, but the thought of actually doing it can be daunting. A new survey suggests many of us share the same concerns about starting our own business. One woman knows that fear all too well, but she overcame it and says you can too.“Every client I try to know their name,” said Whitney Herman, the owner of Shift Cycle. “Everyone who walks in the business I want to be their friends. I want them to feel like this is their home because I feel like it's my home."It’s been two years since Herman officially became a small business owner by opening Shift Cycle, a boutique indoor cycling studio offering 45-minute indoor cycling classes.The new mom couldn't find a place where she could work out and bring her newborn daughter along. “Pretty much everywhere that I wanted to go, none of them offered childcare,” Herman said.So, she decided to create a place of her own.Turns out many of us see ourselves as entrepreneurs as well. The UPS Store talked with people as part of its Inside Small Business Survey and found 66 percent of them dream of opening a small business. But fears may be holding many back, something Herman understands.“Terrifying,” Herman said. “I mean it's still scary.”Forty-five percent of people are concerned about financial security, and 39 percent are concerned about the financial commitment required to open the business.“I think the funding and financing for most people is the hardest part about starting a business,” Herman said. She struggled to get a loan because many lenders require two years of business experience.“I mean there were times where we were like, ‘I don't think we're going to do it,’” Herman said. “We would get so close and then we had a bank be like, ‘Oh sorry, we can't do it.’”She was able to get funding through a non-profit, but still struggled with a fear 37 percent of people in the study share; fear of failure.“I have no MBA,” Herman said. “I have no degree in anything business related. I've never really managed people. I don't really know anything about finance, so I was kind of going it's completely blind.”Luckily her husband knew more about those things. And what she lacked in those areas, she made up in passion and desire to learn along the way. If you have a dream of starting a business, Herman says you can do the same thing.“You just have to believe in your product,” Herman said. “And you have to believe in yourself that you're strong enough and motivated enough to just kind of fight. And you know you get where you want to go because no one's going to do it but you.” 2643
MillerCoors says beer prices could rise and workers could lose their job if the president follows through on a new tax on imported aluminum. President Donald Trump announced Thursday he’s planning to impose steep tariffs on foreign steel and aluminum to protect the U.S. industry from unfair competition. In a statement, MillerCoors called it “misguided” and says there isn’t enough domestic supply to meet the demand for its products. House Speaker Paul Ryan said Thursday he hopes the president, “will consider the unintended consequences of the new taxes." 593

Lyft, one of the largest ride-sharing apps on the market, is offering some select riders the chance to join all-you-can ride subscription services.“We’re always testing new ways to provide passengers the most affordable and flexible transportation options,” a Lyft spokesperson told The Verge. “For the past few months, we’ve been testing a variety of All-Access Plans for Lyft passengers.”On Friday morning social media users began sharing screen shots of their invites on Friday morning.The offers vary from user to user, but the most common plan being offered costs 0 a month. In exchange, the riders receive 30 free rides. Others received invites to pay 0 for 60 free rides. In all cases, "free" meant rides of or less. It's not clear how rides of more than would be covered under the subscription. 830
Many store personal information such as their credit card, concert tickets and auto insurance on their smartphone. Why not also have your driver’s license or passport on your phone?It seems Apple is pondering this question as it filed a patent last week to develop systems to store personal information such as driver’s licenses and passports on smartphones.The patent allows Apple to continue developing exclusive technology to verify users so such sensitive documents could safely be store on devices. The patent also notably does not specifically mention iPhones, which could be a sign the technology could be used for other devices, such as Apple Watches, MacBooks and iPads.Besides driver’s licenses and passports, Apple mentions that the technology could also be used to store library cards, tickets and university IDs.While the technology could draw a lot of questions, the patent process generally takes years to complete, meaning it’s not expected to be a feature coming to iPhones in the near future. 1018
Many experts believe Pennsylvania will be a pivotal state in deciding the presidential election, and Joe Biden is holding his final rally before Election Day outside of Pittsburgh’s Heinz Field on Monday.Standing alongside Biden will be pop superstar Lady Gaga, who will be performing at Monday’s rally.Polls in Pennsylvania have tightened in recent weeks. Recent polls have given Biden an average of a 5% lead in the state. With Biden showing stronger leads in Michigan and Wisconsin, polling is suggesting that Pennsylvania could be the state that puts either Biden or Donald Trump over 270 Electoral College votes.In prepared remarks released by the Biden campaign, he is expected to sharpen his attack on Trump’s handling of the coronavirus pandemic.“The people of this nation have suffered and sacrificed for nine months, none more so than our doctors and front-line health care workers and this president is questioning their character, their integrity, their commitment to their fellow Americans?” Biden is expected to say, according to prepared remarks.Meanwhile, the Trump campaign is attacking the Biden campaign for including Lady Gaga, who they claim is an “anti-fracking activist.”“Nothing exposes Biden’s disdain for the forgotten working men & women of PA like campaigning with anti-fracking activist Lady Gaga,” said Trump campaign spokesperson Tim Murtaugh said. “This desperate effort to drum up enthusiasm is actually a sharp stick in the eye for 600,000 Pennsylvanians who work in the fracking industry.”The number of jobs mentioned by the Trump campaign is a gross exaggeration of fracking jobs in the state, according to federal statistics. Other recent reports show the number of those employed by fracking in Pennsylvania to be far lower than the Trump campaign suggests.Lady Gaga hit back at Murtaugh. 1838
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