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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

Millions of people are about to update the most essential device in their lives -- their iPhone -- to Apple's new iOS operating system, iOS 11.Should you take the plunge and do it now, or wait until all the reviews are in, and all the bugs are out?iPhone users have concernsSome iPhone owners, like Ally Knestrict, have a few concerns. While having lunch outdoors, she was reading reviews, and decided she would wait a few days."I might hold off and wait a few days just to see what the issues are, and if it works well," she said.She had already heard of some problems with battery life. Others in the lunch crowd said they heard that it needs a lot of free space to download. Janelle Bagneski said, "I won't have enough space on my phone, if it requires two gigabytes." She is correct.So we compiled the pros and cons of Apple's newest iOS.The GoodThe look: iOS 11 is not as dramatic an update as iOS 9 and 10 were, when the whole look changed, and there was a learning curve.You will immediately notice some new looks, especially of the app store, and your options at the bottom of messages.Control Center: The control center is much simpler to use than iOS 10, which gave you three screens to swipe between. Now, music, flashlight, and the icons for Bluetooth and WiFi are all there on one screen, just like on Android phones. It's customizable, so you can change the widgets that appear there.Photos: Apple says the camera is improved, and photos will take up less space due to its new high efficiency image file format (HEIC), which takes up less room than JPEGs. (Though you will still have to option to save them as JPEGs). The Verge explains the file issues in detail.Do Not Disturb: A wonderful new Do Not Disturb improvement now alerts people who text you that you are driving, and cannot text back. You can turn this on or off manually, or with the iPhone 6 or newer, it will do it automatically when it senses you are diving. (Yes, you can turn it off if you are in a bus or a passenger). MetroUK has a good article explaining how this works.Do Not Disturb is just one of several new safety features, according to a good review in The Independent.Siri: The Siri voice assistant has too many improvements to list, but the biggest one is that she will do audio translations into French, Spanish and several other languages. This is a huge improvement for foreign travelers who don't know a word of their new country's language.Maps:  Maps now give more detailed information, and even speed limits of highways, as explained in a report in MacWorld.iPad: The iPad version now lets you easily run multiple screens and apps, making it look more like a Microsoft product (did I just say that?)The website TechDotMatrix lists a number of other good improvements with iOS 11.The BadOlder apps:  iOS 11 no longer supports older 32-bit apps, so if your favorite old app is not 64 bits, you will have to update or delete it.iPhone 5:  If you are still using a four- or five-year-old iPhone 5, you cannot download iOS 11 (here's a full list of devices that are compatible). It will work on the iPhone 5s, though some users report it slows the phone down. (If you still have the iPhone 4, you shouldn't be even reading this column. Please buy a new phone, then get back to me). I have a 5s, and so far everything is fine, though the phone feels a bit slower opening apps.Photo compatibility: The new HEIC photo format (to save space) may not be compatible with PCs and Microsoft-based photo editors without conversion to JPEG files. The Verge has a good writeup on this.? Microsoft Exchange issues: While we are talking Microsoft, some users report problems with the Exchange for iOS app, and with Outlook 365. I have not noticed this problem on my iPhone 5s, with the update.The UglyBattery Drain: Really, there's not much ugly with iOS 11, unless you find it dramatically draining your battery, as some early users report. Gotta Be Mobile explains what to do if your battery is now running down fast. Apple forums are already filled with suggestions for improving battery life if this happens, such as shutting off automatic app refreshing.Not enough space: Also, keep in mind you need two?gigs of free space to install the update. If you have an older iPhone with lots of videos on it, you may have to delete some videos or music.One hour download: Anticipate the whole download, updating and installation to take an hour on average.Don't try to do it on the fly, like 20 minutes before an important meeting (as I tried to do, oops). Also, there is a 10-minute period late in the installation process where you cannot use your phone at all, as all you will see is a slow bar moving.So it is best to do the update at home, at night, when there is no urgency. Finally, you may want to have the phone plugged in during the update, or you'll be stunned how much battery power that one-hour process will take. I was down to 25 percent at the end of the update. Glad I had a spare power cord in my desk.Otherwise enjoy, and don't waste your money.________________Don't Waste Your Money” is a registered trademark of Scripps Media, Inc. (“Scripps”)."Like" John Matarese on FacebookFollow John on Twitter (@JohnMatarese)For more consumer news and money saving advice, go to www.dontwasteyourmoney.com 5457

Many Americans lack basic knowledge about the Holocaust — a stat many say could hold grave consequences, according to a survey results released on Thursday. The survey found that nearly half of all Americans — 41 percent — couldn't identify Auschwitz, a concentration camp where an estimated 1.1 million Jews and minorities were killed at the hands of Nazis during World War II. Among millennials, that number rose to 66 percent.The survey also found that a significant portion of Americans don't understand the scale of the Holocaust. According ro results, 31 percent of adults — and 41 percent of millennials — believe that two million or less Jewish people were killed during the Holocaust. It's commonly estimated that as many as six million Jews died in the Holocaust.Most of the survey respondents (58 percent) agreed that "something like the Holocaust could happen again," and commonly agreed that students should be learning more. Ninety-three percent of the respondents said that students should learn about the Holocaust in school, and 80 percent said it is important to keep teaching about the Holocaust so it doesn't happen again.According to a survey commissioned by the Conference on Jewish Material Claims Against Germany and conducted by Shoen Consulting. The results were released Thursday on Holocaust Remembrance Day."There remain troubling gaps in Holocaust awareness while survivors are still with us; imagine when there are no longer survivors here to tell their stories," said Greg Schneider, Executive Vice President of the Claims Conference according to the conference's website. "We must be committed to ensuring the horrors of the Holocaust and the memory of those who suffered so greatly are remembered, told and taught by future generations.”Read more about the Claims Conference study here. 1868

Meijer and the Consumer Product Safety Commission have voluntarily recalled the Falls Creek infant and toddler hoodies due to a potential choking hazard. According to the company, the zipper pull can come loose, posing a choking hazard. The hoodies have been sold in the above five color styles: navy, teal, gray, olive green and a gray girl's hoodie with ruffled trim. Sizes include: 12 months, 18 months, 24 months, 2T, 3T, 4T and 5T. Meijer says "Falls Creek Kids" and "Made in China" are printed on the inner collar. The tracking number on the inner label reads "MAY2018 17677," "MAY2018 17506," or "AUGUST2018 17932."Those who have this product should stop using it immediately and return it to the nearest Meijer location for a full refund. Consumers with questions or concerns can contact Meijer at 1-800-927-8699.  895

MENTOR, Ohio — Some northeast Ohio salon owners are concerned House Bill 189, which proposes cuts in mandatory cosmetology training, could create a potential public safety issue.The measure sponsored by State Representatives Kristina Roegner (R-Hudson) and Alicia Reece (D-Cincinnati) calls for a reduction in training for cosmetology licensing from 1500 hours to 1000 hours.Bill proponents believe the measure will improve Ohio’s cosmetology laws by allowing more cosmetology graduates to enter the workforce earlier and with less debt, thus increasing entrepreneurship and bolstering the workforce for Ohio’s salons.But some local salon owners, like Jennifer Pealer with Jenniffer and Company Salon in Mentor, believe a reduction in required training can set-up future cosmetologists for potential salon mistakes. Pealer believes 1500 hours of training is needed to insure cosmetologists are prepared to use potentially hazardous chemicals and equipment on a daily basis."The biggest thing is public safety," said Pealer. "Hair damage can occur very easily without proper training. What happens is there is damage to the follicle, the hair breaks off, and if it's not reproduced, there could be balding."Salon owner Nancy Brown owns the Brown Aveda and Casal Aveda Institutes for cosmetology training in Northeast Ohio and believes HB-189, and its companion Senate bill, SB-129, are being considered for the benefit of chain salons, which provide quick hair cuts and not more technical services.Brown believes the measures sets cosmetologists up to be under-trained, and could also cut training for nail technicians to just 100 hours."The equipment we use requires training, the shears we use are sharp enough to perform surgery," said Brown. "Our curling irons at the professional level are 450 degrees. The pedicures and manicures, people have lost toes, they had all kinds of injuries because of uncleanness."News 5 reached out to State Representatives Kristina Roegner about bill benefits, but we're still waiting for a response.Those against HB-189 have set up an on-line petition.Meanwhile, Brown said the bill could be voted on in the House as early as mid-May. 2258