Guest Blog by Daniel Garedew - Owner, Merchant Services United

In today’s rapidly evolving payment landscape, businesses face an array of payment processing options, technologies, and regulatory challenges. As the market becomes increasingly competitive and complex, many businesses are turning to merchant services professionals to simplify operations and improve their bottom line. Here, we explore the three biggest advantages of working with a merchant services professional.

1.  Expert Guidance and Industry Knowledge - Merchant services professionals bring a wealth of industry expertise that can be invaluable for businesses navigating the intricacies of payment processing. Their extensive knowledge allows them to assess a company’s unique needs and recommend tailored solutions that ensure smooth transactions. Instead of spending countless hours trying to decode technical jargon, small business owners can rely on these experts to break down the nuances of various payment methods—from traditional credit card processing to the latest in contactless payments and mobile transactions.

This deep understanding of the industry also means that a merchant services professional is often up-to-date on emerging trends, technology innovations, and best practices. As a result, they can provide proactive advice, helping businesses avoid pitfalls such as excessive fees or inefficient systems. This expert guidance not only streamlines the payment process but also contributes to overall business efficiency, allowing owners to focus on core activities while leaving the complexities of payment processing in capable hands.

2.  Customized Solutions for Business Growth - Every business is unique, and a one-size-fits-all approach rarely works in the dynamic world of payment processing. Merchant services professionals understand that each business has its own set of challenges and opportunities. Whether a company operates primarily online, has a brick- and-mortar presence, or employs a hybrid model, these professionals are skilled at tailoring solutions that address specific operational needs and growth objectives.

Customized solutions might include integrating various payment channels, setting up multi- currency processing for global transactions, or optimizing in-store payment terminals to reduce transaction times. By providing a personalized approach, merchant services professionals help businesses enhance the customer experience, streamline their operations, and ultimately drive growth. This level of customization can lead to improved efficiency and cost savings, as businesses are only paying for the services they truly need rather than unnecessary extras that come with generic packages.

3.  Enhanced Security and Compliance - In an era marked by increasing cyber threats and stringent regulatory requirements, security is more critical than ever. Merchant services professionals are well-versed in the latest security protocols and compliance standards, such as the Payment Card Industry Data Security Standard (PCI DSS). By partnering with these professionals, businesses can ensure that their payment processing systems adhere to the highest security standards, protecting sensitive customer data from potential breaches.

Beyond just meeting compliance requirements, a merchant services professional can implement advanced security measures that detect and prevent fraud before it becomes a significant issue. This proactive approach to security not only minimizes the risk of financial loss but also helps build trust with customers. In turn, businesses can leverage their robust security framework as a selling point, demonstrating their commitment to protecting customer information and maintaining the integrity of their operations.

Conclusion - Working with a merchant services professional offers substantial advantages that go beyond simple payment processing. Their expert guidance and industry knowledge help businesses navigate the complexities of modern payment systems with ease. The ability to offer customized solutions ensures that businesses can adapt to changing market dynamics and meet their unique operational needs. Finally, enhanced security and compliance provide a safeguard against emerging cyber threats and regulatory challenges, instilling confidence in both the business and its customers.

Ultimately, partnering with a merchant services professional is an investment in the long-term success of a business. By leveraging their expertise, companies can optimize their payment systems, reduce costs, and secure a competitive edge in the marketplace. Whether you’re a small business owner or managing a larger enterprise, the advantages of professional support in the merchant services industry are clear and far-reaching.

To learn more or schedule a meeting, please reach out to me directly 240-449-4029 or [email protected].

Guest Blog by Rayetta Michael, Help in the Home

We love to see others grow in every area of their lives, and we can’t wait to see you succeed too.  Lessons are best learned when shared, so we are going to reveal our top 15 tips that got us to where we are today. It’s time to realize your value!

1. Servant leadership is the only way.
Our organizational chart places our clients at the top, staff below clients, leadership below staff and co-founders at the bottom. We don’t see how we could do what we do with excellence any other way.
2. Hire people who are smarter than you.
We are constantly patting ourselves on the back for hiring highly-skilled individuals. We learn something everyday from the amazing people who work at Help in the Home.
3. Foster collaboration instead of competition.
The metro DC area can be a breeding ground for competition. We have found that we thrive better on collaboration both internally and externally. 
4. Hire people with heart.
Working with individuals and families struggling with complex mental illness is really hard work. You have to love it to be good at it.
5. Running a business is a marathon, not a sprint.
Pacing yourself and remaining flexible in how you approach each new season of business is a lesson that takes time to learn but is key to avoiding burn out !
6. Have a growth mindset.
In order to maintain standards of excellence, you have to be willing to change and learn. That never stops and we instill this mindset with every person that joins our team. 
7. Start with gratitude.
We start our days focused on gratitude. We’ve found it’s the best way to stay grounded throughout the entire day and especially important on the hard days.
 8. Self-care is essential.
You can’t fill anyone else’s cup unless you’ve filled your own first. Take good care of yourself and it will reflect in how you show up for your clients and staff.
9. Vulnerability is strength.
It is common in our society for vulnerability to be viewed as weakness. However, we’ve found that incredible strength and growth comes from exposing and sharing our vulnerabilities with others. 
10. Trust, but verify.
It’s important to hire people that you trust, while maintaining a system of checks and balances that holds everyone accountable. This helps with ensuring the standard of excellence we strive for.
11. Don’t manage, lead.
When you hire the right people, they don’t need you to micro-manage their time. Lead by giving people the tools and support they need to be successful.
12. Diversity, equality and inclusion improves everything.
Full stop.
13. Presence is a best practice.
Be present.  Truly showing up for yourself, with your clients and staff is where the magic happens.  It takes practice!
14. Strive for excellence, not perfection.
Perfection is unattainable. Know that there are opportunities lying within mistakes. Embrace the struggle and see it as a gift.  
15. Infuse joy.
This is at the very core of Help in the Home’s mission. Take every opportunity you can to celebrate victories, no matter how small they may seem. Even in the most difficult times.

We wouldn’t be where we are today if we had worried about every little thing that was thrown our way. This is your reminder to not sweat the small stuff! You will find joy when you surround yourself with growth-minded people who are willing to have your back while stretching you to be your best. We hope you have gleaned some of the wisdom we have acquired throughout this journey to make your own path a little smoother.
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About Help in the Home: Help in the Home strives to be known for their passionate approach and guiding motivation to add value to the communities we’re in. They believe in the importance of creating an inclusive community that provides housing and therapeutic support for people with severe mental illness– one where warmth, care, and support are present – is priceless. Co-founders Stacy or Rayetta would love to connect with you - e-mail [email protected] to learn more about their business model and how you can work together.

Guest Blog by Lloyd Malech

Divorce, whether amicable or bitter, is no easy transition for anyone. It involves significant changes and upheaval to routines, expectations, and living arrangements. Business owners' source of income is more than a paycheck – it is an important asset with many moving parts that the divorce process may directly impact. When a business owner contemplates divorce, the process can become particularly complex. Here are five critical considerations to bear in mind:

1. Preserve Key Documents
A business owner is responsible for preserving key documents in the ordinary course of business. However, it is particularly urgent to maintain clear, thorough, and up-to-date records of all business operations, financials, contracts, and ownership documents in the context of a potential divorce. These documents may play a crucial role in determining business value and ownership rights during divorce proceedings. Some key documents to include are:

• Tax Returns
• Annual filings with federal, state, and local governments
• Organizational documents for corporations, LLCs, and other business entities

2. Prove Separate Property
If the business was started before the marriage or inherited, it may be classified as separate property, which means the other spouse is not interested in the business. Clear documentation is crucial to prove that the business began as separate property and was not commingled with marital assets, such as shared bank accounts or using marital funds to grow the business. Creating and maintaining a paper trail to demonstrate that the business has always been kept separate from the marital property will prevent successful claims by the other spouse.

3. Notify Business Partners
Divorce can significantly impact business operations, especially if the spouse has a stake in the business or if the divorce could lead to asset division that affects the company’s liquidity. It is not just good practice, but essential to notify business partners (if any) and discuss how the business will be handled. This open communication is crucial to ensure continuity and protect the company’s stability. Many business entities place a fiduciary duty on co-owners to disclose events that might cause major impact on the business operations.

4. Valuing the Business for Marital Estate
If a business is not separate property, the other spouse has a right to include the value of the business in the marital estate for purposes of fair division. An accurate and fair business valuation can be conducted by business valuation experts who can assess the business’s worth, considering factors like revenue, assets, liabilities, and market conditions. The valuation is often a point of contention in divorce, and this process can help determine if the business will be sold, divided, or retained by one spouse.

5. Planning for Post-Divorce Business Structure
The divorce trial or settlement may impact the business structure. If the business is shared, partners may need to renegotiate roles, buy out the other spouse, or prepare for changes in ownership and control. Planning ahead for this transition ensures the business can continue functioning smoothly.
Depending on a business's type, size, and structure, when an owner contemplates divorce, it can have significant consequences. Confer with an attorney with experience in family law and an understanding of property interests to ensure that the business is as protected as possible to maintain value and minimize disruption.
 
With over 25 years of experience, we are committed to providing excellent service to our clients. Our accolades include the 2024 Family Law American Association of Attorney Advocates recognition, being a finalist in the 2024 Best of Bethesda Readers’ Pick for Best Family Law Practitioner, and winning the same award in 2022. We’ve also been honored with the Lawyers of Distinction Award for Excellence in Divorce and Family Law for the past five consecutive years. At Malech Law, we approach every case with respect, empathy, and a dedication to excellence. Contact us today for professional legal assistance.
Visit Malechlaw.com or call (202) 441-2107.
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Guest Blog by Julie Schumacher, sasse agency

In today’s digital landscape, a strong online presence is more important than ever. As a proud member of the Greater Bethesda Chamber of Commerce, it’s likely you’re aware of the importance of networking.  Have you considered the impact that a well-crafted blog can have on your business?

Let's Get Going…  

Blogging is “good for business” – it is an important part of a successful marketing strategy. Here are some reasons:

• Builds Brand Awareness: Regular blog posts help to showcase your brand and increase visibility with your target audience.
• Establishes Authority & Thought Leadership: Consistently publishing high-quality, informative content positions your company as an expert in the industry and builds trust.
• Improves Search Engine Optimization (SEO): Blogging allows you to incorporate relevant keywords that improve your search engine rankings and drives more organic traffic to your site.
• Lead Generation: Through content marketing, a blog addresses customer needs and helps guide them through the buyer's journey which results in increased conversions.

An added value for membership with TGBCOC is to guest blog…YAY!

Let's Get Blogging

A blog does not have to be stressful. Here are a few steps to help you begin:

1. Define The Essentials: What is the goal for the blog? Hint: to engage your target audience. Who is your client and what do they care about? What are keywords associated with your industry? What is important to your business community? Answering these questions may help you determine what to say and how to say it.
2. Brainstorm Topics: Come up with fresh ideas to write about on a routine basis. Think about your client’s pain points, useful tips about your industry, and translating your technical expertise into language your clients can understand. Developing or using an editorial calendar can help organize a list of topics that are both relevant and timely.
3. Create A Plan: It is important to have quality content with consistent posts. Decide if you are publishing weekly, monthly or quarterly and integrate this into your marketing plan. Guest bloggers can be helpful from time to time J
4. Get Writing: For each post, choose relevant keywords to guide your blog's content. Find your own tone, subject matter, and style for your posts. Be creative, include a catchy title, section headers, quotes, and references to boost SEO. Use media, incorporate images, graphics, and videos to make the post engaging. It’s important to remember that every post should have a strategic and clear, Call to Action (CTA).
5. Promote: Now it's time to share your blog across your website, social media platforms, and email newsletters.

Let's Get Social

Have fun getting social with your blog. Each channel has its own personality, for example, LinkedIn is the boardroom discussion, Facebook is the water cooler convo and X is the newsroom… understand the best channel to reach your audience.

Let's Get Optimized

To ensure your blog is well-optimized, it's important to focus on both technical SEO and content strategy. On the technical side, you’ll need to implement key elements like title tags, meta descriptions, H1 headers, and Alt tags for images. Don’t forget to resubmit XML sitemap for indexing.

For your content strategy, start with a primary keyword phrase and use it at least twice throughout the article. Be sure to include internal links to other relevant content on your site and add an image with alt text that includes your keyword.

Let’s Get Resources

There are numerous tools available to ensure your content is well-written including accurate spelling, proper grammar, and punctuation.   

AI can support you as a tool to explore trends and topics, research keywords, create outlines and more. Remember, when generating content, AI can lack creativity, emotion, uniqueness, and accuracy --- fact check those stats!

Let's Get Connected!
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Learn more about being a guest blogger for The Greater Bethesda Chamber of Commerce.
To discuss a blog or your marketing strategy, contact Julie Schumacher, founder of sasse agency

Guest Blog by: ​Verelyn Gibbs Watson, GBCC Chair Elect
Owner, Nothing Bundt Cakes Bethesda

Did you know that August is National Black Business Month? The Greater Bethesda Chamber of Commerce is proud to celebrate and honor the important contributions Black-Owned Businesses make nationally, and locally within our community.

While historically, Black entrepreneurship in America can be traced back centuries to the 1700’s, the origins of the official National Black Business Month designation came about in 2004. John William Templeton and Frederick E. Jordan, two Black entrepreneurs, wanted to help empower minority business owners, who face unique challenges when it comes to starting and growing their businesses. 

Although throughout our nation’s history, Black entrepreneurship has continued to grow, that growth has been fraught with obstacles along the way. Ironically, systemic racism and the segregation policies of the time, actually served as catalysts for the development and growth of Black owned businesses. Black entrepreneurs realized the need to create access to goods and services they were denied in mainstream marketplaces. Alas, this success was often met with tragic outcomes such as the 1921 massacre that erased the thriving Black business district known as Black Wall Street in Tulsa, Oklahoma.

Even the beginnings of Black American entrepreneurship were unnecessarily hampered by fear and concerns centered around Black freedom and financial independence. As an example, after enslaved people were emancipated, many grew and sold watermelon to earn a living and support their families. However, propaganda aimed at reducing demand for the fruit by creating negative connotations about Blacks and their “love” of watermelon, succeeded in creating a negative stigma about the fruit, which still exists today in some communities of color.

The obstacles that Black businesses face today may not be as overt, but make no mistake that hindrances such as lack of access to capital/ higher cost of capital or dealing with bias from vendors and/or customers do come into play and have an impact. Even those that get beyond the basic hurdles, may then have to navigate the “positioning” of their business in the marketplace to avoid confusion that may arise. (Just because the business owner is Black, does not mean the business is only for Black consumers.)

Anyone doubting the impact of these issues need look no further than the US Census Bureau whose data helps confirm these disparities. According to their 2021 report, even though Blacks make up approximately 14.2% of the US population – Black businesses are only 2.3% of US businesses.
National Black Business Month is a time to increase our awareness of these issues, but more importantly, to use that awareness to help celebrate and promote Black-Owned businesses that are succeeding, despite the odds.

So how can you help commemorate and celebrate National Black Business Month?  An easy way is to start by visiting or promoting local Bethesda businesses owned by Black entrepreneurs.
Here are a few Black-Owned GBCC member businesses to help you start the celebration!

• Fearless Chix
• ItsMcube
• J L Terrell Construction
• LeBonDay
• Liquid Intrusion Brewing Co
• Marble Title
• Made by Mo-nae
• M.C. Thomas & Associates, Inc.
• New American Restoration
• Nothing Bundt Cakes - Bethesda
• The Wine Concierge

Guest Blog by Brandan Stuckey, Bethesda Transportation Solutions

I’m not sure how we entered a space where the same few platitudes are thrown about, seemingly every other sentence. Counting how many times you see words like normalize, robust, engage, or deliverables, used in our corporate lexicon can lead to the most intense interoffice game of bingo this side of Cordell Ave. Words, are powerful. Words have meaning. Words have impact. And there’s nothing more impactful than hearing vibrancy in the context of downtown. Vibrancy is often used when speaking of outdoor spaces. However, its usage must become more than the latest platitude; Vibrancy has to become a call to action. For instance, Bethesda Urban Partnership answered the call to help by creating the Streetery, a broad collaborative effort to sustain businesses during the pandemic. That’s Vibrancy.

Guest Blog by Joseph S. Barone, Network Bethesda

A recent Office Depot/OfficeMax Survey of over 1000 employees in the US asked the question:  How can employers better introduce new technologies?  
Here is how they responded:

• Provide more training (69%)
• Provide more IT support staff (44%)
• Increase the amount of time to adapt to new technologies (36%)
• Introduce new technologies less frequently (16%)
• Introduce fewer technologies overall (12%).

Although there is much to unpack here, with each of these, I want to take a little time on the first response: Provide more training.
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