WDYS

Guides for your small business

Selling online, account security and everyday tech. 65 practical guides.

Taxes and self-employment

Business bank account for a sole proprietor: is it required and how to choose one

Do sole proprietors need a business bank account? See what banks ask for (SSN or EIN, DBA), which fees to compare and how FDIC and NCUA insurance apply.

Taxes and self-employment

How to convert a sole proprietorship to an LLC, step by step

Step by step: form the LLC with your state, write an operating agreement, settle the EIN question, open a bank account and move permits, contracts and taxes.

Taxes and self-employment

How to file taxes as a sole proprietor: Schedule C, Schedule SE and Form 1040

Sole proprietors report profit on Schedule C and self-employment tax on Schedule SE with Form 1040. See deadlines for tax year 2026, records and mistakes.

Taxes and self-employment

Hiring your first employee as a sole proprietor: what you have to do

Can a sole proprietor hire employees? Yes. Employee vs contractor, EIN, Form W-4, Form I-9, new hire reporting, payroll taxes and workers' comp, in order.

Taxes and self-employment

How to register a small business, step by step

How to register a small business in the US, in order: business name and DBA, when you need an EIN, state tax IDs, licenses, permits and a bank account.

Taxes and self-employment

How to write an invoice: fields, numbering, terms and records

How to write an invoice for a US small business: field checklist, numbering, payment terms, a sales tax line and the records the IRS expects you to keep.

Taxes and self-employment

LLC vs sole proprietorship vs S corp: how to decide as your business grows

No revenue limit forces a sole proprietorship to change. Compare it with an LLC and an S corp on liability, taxes and paperwork, with a decision table.

Taxes and self-employment

Missed an estimated tax payment: how the penalty works and how to catch up

Missed a quarterly estimated tax payment? See how the IRS underpayment penalty works, how to catch up, payment plans and which penalty relief applies.

Taxes and self-employment

NAICS code: how to choose yours and where it matters

How to choose your NAICS code: what it is, a step-by-step lookup, the Schedule C business code, SBA size standards and which edition is current.

Taxes and self-employment

Self-employment tax: how much you pay and how to pay it

Self-employment tax is 15.3% of net earnings. See the 2026 wage base, how quarterly estimated payments work, and a worked example with made-up income.

Taxes and self-employment

Small business loans for sole proprietors: where to look, what lenders review and what to avoid

How sole proprietors can borrow: SBA microloans and 7(a), CDFIs, what lenders review, and how to avoid merchant cash advances and advance-fee loan scams.

Taxes and self-employment

Sole proprietorship: how it works, how it is taxed and what you are liable for

What a sole proprietorship is, how personal liability works, which taxes and forms apply, what to register, and when an LLC is worth considering.

Selling online

Accepting instant payments as a small business: FedNow, RTP and payment apps

How a US small business can accept instant payments: FedNow and RTP through your bank, Zelle, Venmo and Cash App for business, plus fraud risks and fees.

Selling online

Black Friday 2026 checklist for a small business

Black Friday checklist for small business: count stock, price without losing margin, plan shipping and support, and avoid scams before Nov 27, 2026.

Selling online

Card reader or payment link: which one costs less?

Card reader vs payment link: compare fees, payout speed and where you sell, then use the free calculator to see which costs your small business less.

Selling online

Someone cloned your online store: how to find and report the fake site

Cloned online store? Find the fake website, report it to the registrar, host and Google Safe Browsing, and warn your customers with a ready-made notice.

Selling online

How to make a free digital menu with a QR code

Make a free digital menu with a QR code for your food business: three no-cost options, what to include, where to host it and mistakes to avoid.

Selling online

Free tools for small business: 15 essentials worth setting up

Free tools for small business: messaging, scheduling, design, bookkeeping, tasks and your Google profile. 15 picks grouped by the job each one does.

Selling online

Google Business Profile (formerly Google My Business): how to show up on Google Maps

Set up, verify, and improve a free Google Business Profile (formerly Google My Business) so customers find your business on Google Maps and local search.

Selling online

How to grow your business on Instagram without paying for ads

Learn how to grow your business on Instagram without ads: set up a profile that converts, post Reels and Stories, and follow a 30-minute daily routine.

Selling online

Holiday sales plan for a small business: calendar, stock, cash and returns

How a small business can get ready for holiday sales: a November-to-January calendar, USPS and UPS cutoffs, stock and cash math, gift cards and returns.

Selling online

How to calculate your hourly rate and price your services

Learn how to calculate your hourly rate from costs, target pay, billable hours and taxes, then turn it into project prices. Includes a free calculator.

Selling online

How to sell on Amazon as a small business: plans, fees, FBA and account health

Compare Amazon's Individual and Professional plans, then see fees, FBA vs FBM, listings, account health, returns and sales tax before you sign up.

Selling online

How to sell online: a step-by-step guide for beginners

Learn how to sell online from scratch: choose a product, pick where to sell, set a price, take payments and ship your first orders without wasting money.

Selling online

How to start an online store from scratch, with no coding skills

How to start an online store without coding: pick a platform, register a domain, set up payments and shipping, add key pages and run a launch checklist.

Selling online

How to use WhatsApp Business to sell: catalog, quick replies and labels

Learn how to use WhatsApp Business to sell: set up your profile, build a catalog, save quick replies and use labels to track orders. Free, step by step.

Selling online

In-house delivery or delivery apps: which one pays better?

In-house delivery vs delivery apps: compare commission, control and customers, see a margin example and learn how to use both without losing profit.

Selling online

Legit ways to make money online: real options and the scams to avoid

Legit ways to make money online, from freelancing to selling used items, plus red flags for work-from-home and pyramid scams. Pick one and start small.

Selling online

How to sell baked goods from home: state rules, labels and pricing

Sell baked goods from home: how state cottage food laws differ, a labeling checklist, a worked pricing example and a simple way to take orders.

Selling online

A simple inventory spreadsheet for a small business

Build a simple inventory spreadsheet in Google Sheets or Excel: the columns to use, SUMIFS and IF formulas, and a reorder alert that flags low stock.

Selling online

How to take product photos with your phone that actually sell

Learn how to take product photos with your phone: use window light, a plain background and 5 to 8 angles, then edit for free and meet marketplace rules.

Selling online

Where to sell online: marketplace, your own store, social or local pickup

Where to sell online in the US: compare marketplaces, your own store, social selling and local pickup, with a fee checklist and sales tax rules by state.

Protect your business

The 'Hi Mom' text scam: how it works, how to stop it and what to do if you paid

The 'Hi Mom' text scam uses a new number and a money request. Learn the warning signs, the one call that stops it, and what to do if you already paid.

Protect your business

How to spot a fake online store before you pay

How to spot a fake online store: 7 checks on price, web address, payment method, business details and reviews, plus what to do if you already paid.

Protect your business

How to tell if a video is fake (and avoid deepfake scams)

How to tell if a video is fake: why eyeballing fails, a six-step source check, reverse image search with Google Lens, and how to confirm by phone first.

Protect your business

Instagram account hacked? How to get it back fast

Instagram account hacked? Follow these steps to recover it, even if the hacker changed your email, then lock it down and protect your business.

Protect your business

My email got hacked: what to do step by step in Gmail and Outlook

My email got hacked: what to do in Gmail and Outlook. Change the password, sign out everywhere, turn on 2FA, and check forwarding rules and filters.

Protect your business

Is public Wi-Fi safe? How to use it without getting hacked

Is public Wi-Fi safe? See what the FTC and CISA say, the risks that remain, a safe-use checklist, and when to use mobile data or a VPN instead.

Protect your business

The WhatsApp 6-digit code scam: how it works and how to get your account back

Got a 6-digit WhatsApp code you didn't ask for? Learn how the verification code scam works, what to do right away, and how to get your account back.

Protect your business

AI security risks for small business: what leaks, what misleads and how to protect yourself

AI security risks for small business: leaked data, wrong answers, agents with too much access, deepfake payment scams. Policy template and checklists.

Protect your business

Scammers are posting fake job offers using your company name: what to do

Fake job offers using my company name: collect evidence, report to the FTC and job sites, and post a notice that protects candidates from the scam.

Protect your business

Google account hacked: how to recover your business account and what to check next

Google account hacked? Get back in with Google's official steps, then check Gmail, your Business Profile, and Google Ads for changes the intruder made.

Protect your business

How to stop spam calls and robocalls on your phone

Stop spam calls and telemarketing in the US: Do Not Call Registry steps, iPhone and Android call filtering, how to report, and rules for business callers.

Protect your business

Two-factor authentication and passkeys: how to turn them on for your business accounts

Learn what two-factor authentication and passkeys are and how to turn them on for Google, Apple, Microsoft, WhatsApp, Instagram and your bank app.

Protect your business

What to do if your phone is stolen or lost: the first hours

Phone stolen or lost? Lock it from another device, suspend the line, block the phone, secure bank and email, then file a police report. Hour-by-hour plan.

Protect your business

WhatsApp Business hacked: how to recover your number and protect customers

WhatsApp Business hacked or cloned? Recover your number, check what the intruder changed and warn customers before they pay the scammer. Step by step.

Protect your business

WhatsApp scams: how to spot them and protect your account

WhatsApp scams explained: stolen verification codes, Hi Mom texts, fake jobs, fake bank support and more. Spot the signs and lock down your account today.

Protect your business

AI Voice Scams: Criminals Can Now Clone Your Family's Voice — Here's How to Protect Yours

Scammers can clone a loved one's voice from a few seconds of audio and fake an emergency call. Learn how AI voice scams work, the warning signs, and the family safe word that stops them.

Protect your business

The Text Scam Costing Americans $470 Million (And the 3-Second Check That Stops It)

Text scams stole roughly $470 million from Americans in a single year. Learn the 5 most common smishing scams of 2026 and the simple 3-second check that stops every one.

Everyday tech

How to back up your phone so you never lose your photos

How to back up your phone: turn on iCloud or Google backup, add photo backup, keep a second copy and check it works, with steps for iPhone and Android.

Everyday tech

What is an eSIM, and is it worth switching from a physical SIM?

What is an eSIM? It is a digital SIM built into your phone. See how it works, which phones support it, how to set one up and when it beats a SIM card.

Everyday tech

Fix or buy a new phone? How to decide with four checks

Fix or buy new phone? Use four checks: security updates, the type of problem, battery health and the repair quote, then prepare the old phone to be sold.

Everyday tech

How to free up phone storage without deleting photos

Free up phone storage without deleting photos: see what is using space, clear WhatsApp, cache and apps, and use the cloud safely on iPhone and Android.

Everyday tech

9 hidden Android settings that make your phone faster and safer

Nine hidden Android settings with the menu path, what each does, and who it helps: animations, Data Saver, Quick Share, private space, and Emergency SOS.

Everyday tech

How to move everything to a new phone without losing anything

How to move to a new phone: Quick Start, Copy apps & data, Smart Switch, Move to iOS, plus WhatsApp, banking apps, and authenticator codes. Back up first.

Everyday tech

Phone battery draining fast: 7 settings to change

Phone battery draining fast? Find the app using the most power, then change 7 settings on iPhone, Pixel and Galaxy, and learn when it is the battery.

Everyday tech

Phone overheating: why it happens and how to cool it down

Phone overheating? See what is normal, the usual causes, how to cool it down safely right now, and the signs of a battery or hardware problem.

Everyday tech

Laptop running slow? How to speed it up without wiping it

Laptop running slow? Speed it up without wiping it: startup apps, disk space, browser, malware and the SSD upgrade, with steps for Windows and Mac.

Everyday tech

Slow Wi-Fi at home: how to find the cause and fix it

Slow Wi-Fi at home or only at night? Run a simple test, then fix router placement, bands, channels and congestion before you blame your internet plan.

Everyday tech

Stop paying for apps: free alternatives that cover most needs

Stop paying for apps you do not need: audit your subscriptions, then use free options for documents, storage, photo edits, notes, PDFs and passwords.

Everyday tech

Why is my phone so slow? 8 fixes for iPhone and Android

Why is my phone so slow? Find out if it is storage, an app, the battery or old hardware, then try 8 fixes for iPhone and Android in the right order.

Everyday tech

Free AI tools for small business: what you can do at no cost, and the catches

See what free AI plans really allow, where the limits are, how a free app differs from an open-weight model, and how to protect your business data.

Everyday tech

How to choose an AI assistant for your business, and when it is worth switching

AI assistant for small business: criteria, a one-week test, when switching is worth it and what never to paste into AI. A vendor-neutral guide.

Everyday tech

How to recover deleted photos from your phone: where to look and how long you have

Find deleted photos on iPhone, Android and Samsung: where to look, how many days each trash keeps them, and why recovery apps rarely help you.

Everyday tech

9 Hidden iPhone Settings You'll Wish You Knew Sooner

Most iPhone owners never touch these 9 hidden settings. From Back Tap to instant document scanning and one-handed mode, here are the features that save real time every day.