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<p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;Small Business Optimism Surges for 2025 Amid Economic Uncertainty</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">Small business owners across the United States are entering 2025 with renewed optimism, according to a recent survey conducted by WSFS Bank. The findings indicate that despite ongoing economic challenges, many small businesses are planning for growth, with 60% of respondents anticipating increased revenue in the coming year. This confidence highlights the resilience and adaptability of small businesses as they navigate a fluctuating economic landscape.</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;A Focus on Strategic Investments</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">The survey, which polled 597 small business decision-makers, reveals a strategic shift toward growth-focused investments. The most popular plans include purchasing new equipment (26%), obtaining working capital (25%), and funding business expansions (24%). These trends underscore a commitment to operational improvements and long-term growth.</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">"Small businesses have shown remarkable resilience in an unpredictable economic climate," said Candice Caruso, Senior Vice President and Chief Business Banking Officer at WSFS Bank. "Many owners are proactively transforming their operations by embracing technology and refining efficiencies to better serve their customers."</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;Challenges Persist but Adaptation Remains Key</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">Economic hurdles remain significant, with 59% of respondents identifying inflation as their primary concern. Other key challenges include the cost-of-living crisis (45%), recession fears (31%), reduced consumer spending (27%), and supply chain disruptions (23%). To counter these challenges, 54% of respondents have reduced discretionary spending, while others have sought cost-effective suppliers (27%) or delayed non-essential investments.</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">Jeremy Shackleford, Senior Vice President and Director of Small Business Sales for WSFS Bank, emphasized the importance of strategic planning: "Managing debt, strengthening vendor relationships, and exploring financing options are critical steps for small businesses to thrive in this environment. Building strong credit profiles and working closely with trusted advisors, like bankers and accountants, can provide a solid foundation for future growth."</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;Banking Relationships: A Mixed Picture</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">The survey also examined small business owners' banking preferences, revealing that 53% bank with large national institutions, 29% with regional banks, and 16% with community banks. However, while 51% of respondents appreciated their bank's proactive tools and lending solutions, less than half felt adequately guided on business planning (47%) or economic uncertainty (46%).</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">Caruso stressed the importance of tailored banking partnerships, stating, "Establishing clear expectations and maintaining regular communication with banking partners is essential. Proactive support can make all the difference as businesses prepare for economic headwinds."</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;In-Person Interactions Still Preferred for Complex Needs</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">Interestingly, small business owners showed a strong preference for in-person banking when addressing complex issues like business planning (66%) and lending (62%). Routine services, such as obtaining credit cards, saw an even split among in-person, virtual, and impartial interactions, highlighting the diverse needs of today’s business owners.</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">&nbsp;Resilience and Proactivity: Keys to Small Business Success</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">The survey results paint a clear picture: while economic uncertainties persist, small businesses are taking proactive steps to secure their futures. From investing in growth to building stronger relationships with their banking partners, the focus remains on navigating challenges and seizing opportunities in 2025.</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">As Caruso aptly put it, "Small businesses are the backbone of our communities. By fostering strong partnerships and providing the right tools, we can help them not just survive, but thrive."</span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;"><br></span></font></p><p><font face="Poppins, sans-serif"><span style="font-size: 15px;">This article reframes the survey findings into a cohesive narrative while ensuring originality and a professional tone.</span></font></p>

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<main id="content" class="site-main post-7427 msme_academy type-msme_academy status-publish has-post-thumbnail hentry msme_categories-research-work" role="main" style="box-sizing: border-box; margin: 0px auto; padding: 0px; outline: none; width: 1140px; max-width: 1140px; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, &quot;Noto Sans&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, &quot;Noto Color Emoji&quot;; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><header class="page-header" style="box-sizing: border-box; margin: 0px; padding: 0px; outline: none;"><h1 class="entry-title" style="box-sizing: border-box; margin: 0.5rem auto 1rem; padding: 0px; outline: none; font-weight: 500; line-height: 1.2; font-size: 2.5rem; font-family: inherit; color: inherit; display: var(--page-title-display); width: 1140px; max-width: 1140px;">Lorem Ipsum is simply dummy text research work</h1></header><p class="page-content" style="box-sizing: border-box; margin: 0px; padding: 0px; outline: none; -webkit-tap-highlight-color: transparent;"></p></main><p data-elementor-type="footer" data-elementor-id="721" class="elementor elementor-721 elementor-location-footer" data-elementor-post-type="elementor_library" style="box-sizing: border-box; margin: 0px; padding: 0px; outline: none; -webkit-tap-highlight-color: transparent; color: rgb(51, 51, 51); font-family: -apple-system, BlinkMacSystemFont, &quot;Segoe UI&quot;, Roboto, &quot;Helvetica Neue&quot;, Arial, &quot;Noto Sans&quot;, sans-serif, &quot;Apple Color Emoji&quot;, &quot;Segoe UI Emoji&quot;, &quot;Segoe UI Symbol&quot;, &quot;Noto Color Emoji&quot;; font-size: 16px; font-style: normal; font-variant-ligatures: normal; font-variant-caps: normal; font-weight: 400; letter-spacing: normal; orphans: 2; text-align: start; text-indent: 0px; text-transform: none; widows: 2; word-spacing: 0px; -webkit-text-stroke-width: 0px; white-space: normal; text-decoration-thickness: initial; text-decoration-style: initial; text-decoration-color: initial;"><section data-particle_enable="false" data-particle-mobile-disabled="false" class="elementor-section elementor-top-section elementor-element elementor-element-f0cfe99 elementor-section-boxed elementor-section-height-default elementor-section-height-default" data-id="f0cfe99" data-element_type="section" data-settings="{&quot;background_background&quot;:&quot;classic&quot;}" style="box-sizing: border-box; margin: 0px; padding: 0px; outline: none; --flex-direction: initial; --flex-wrap: initial; --justify-content: initial; --align-items: initial; --align-content: initial; --gap: initial; --flex-basis: initial; --flex-grow: initial; --flex-shrink: initial; --order: initial; --align-self: initial; flex-basis: var(--flex-basis); flex-grow: var(--flex-grow); flex-shrink: var(--flex-shrink); order: var(--order); align-self: var(--align-self); position: relative; --swiper-theme-color: #000; --swiper-navigation-size: 44px; --swiper-pagination-bullet-size: 6px; --swiper-pagination-bullet-horizontal-gap: 6px; --widgets-spacing: 0px 0px; transition: background 0.3s, border 0.3s, border-radius 0.3s, box-shadow 0.3s; background-color: var( --e-global-color-0ab5c75 );"><br class="Apple-interchange-newline"><br></section></p>

<p>In a small village nestled between rolling hills, a group of friends gathered every evening to share stories. They met at the old oak tree, its branches providing shade and a sense of timelessness. Each person brought their own unique tales, creating a tapestry of experiences and adventures. One evening, as the sun dipped below the horizon, an unexpected visitor arrived. She was a traveler, with eyes that sparkled with knowledge and a smile that hinted at countless journeys.</p><p><br></p><p>The friends welcomed her warmly, eager to hear her stories. She spoke of distant lands, ancient cities, and mystical creatures. Her words painted vivid pictures in their minds, transporting them to places they had only dreamed of. As she finished her tale, the village's clock tower chimed, reminding everyone of the passage of time. The traveler bid them farewell, promising to return with more stories.</p>

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<p>The 1099 form has two copies – A &amp; B. When a business owner hires a freelancer, they must fill in copy A and send it to the IRS. And send copy B to the freelancer. Both the copies should be sent to the IRS before January 31.<br>Employers can submit physically or electronically. If they do it physically, they must also submit the 1096 form. They have to do it on the IRS Filing a Return Electronically (FIRE) system for online submission.<br>Moreover, unless the freelancer is a non-resident or resident alien, the form should include the following information – legal name, residence, the total amount paid in the previous year, and social security number.<br>The contractor should also consent the business owner to receive 1099 by email or paper copy. <br>Deadline<br></p>

<p>The 1099 form has two copies – A &amp; B. When a business owner hires a freelancer, they must fill in copy A and send it to the IRS. And send copy B to the freelancer. Both the copies should be sent to the IRS before January 31.<br>Employers can submit physically or electronically. If they do it physically, they must also submit the 1096 form. They have to do it on the IRS Filing a Return Electronically (FIRE) system for online submission.<br>Moreover, unless the freelancer is a non-resident or resident alien, the form should include the following information – legal name, residence, the total amount paid in the previous year, and social security number.<br>The contractor should also consent the business owner to receive 1099 by email or paper copy. <br>Deadline<br></p>

<p>A 1099 form is used to report a freelancer or independent contractor’s non-employment income of $600 or more. It includes revenue from stock dividends, interest on deposits, property sales, cash prizes, royalties, and other sources. <br><br>The IRS receives this form straight from the payer. Therefore, the taxpayer doesn’t need to file it in their income tax return (ITR). They are, nevertheless, required to inform the IRS about these transactions.<br>Who is included under the 1099 category?<br>With nearly 59 million freelancers, the USA is regarded as the largest freelancer market in the world. And out of this figure, 36 million do it on a full-time basis. <br>Every year freelancers contribute $1trillion to the US economy. As a result, their earnings must be reported on the 1099 form. In addition, businesses that hire their services must also file the 1099 form with the IRS.<br>They do not need to fill out this form if they hired freelancers or contract workers through a third party like Fiverr, Upwork, or Freelancer.com.<br><br>Types of 1099 form<br>A non-salary income has varied forms – like consulting fees, dividends, interest, retirement payouts, tax refunds, and so on. And the 1099 form has a different category for each of these. We will show you how to fill out the 1099 form for payments made or received:<br>1) 1099 NEC – A company that paid $600 or more to an independent contractor or freelancer for work in the last fiscal year must fill out this form. Similarly, if they paid $600 or more to an attorney, they are subject to 1099 NEC.<br>2) 1099-DIV – If a person receives dividend income from their stocks, they will receive a 1099 DIV. The company will send them this form.<br>3) 1099 – INT – Individuals who earned $10 or more in interest in the preceding year will receive this form from banks and brokerage firms.<br>4) 1099 G – People who receive federal, state, or local government tax returns or unemployment benefits also receive 1099-G.<br>5) 1099-R – This form is also issued to those receiving money through a retirement or pension plan or individual retirement account (IRA). In addition, certain annuities and insurance contracts also fall in this category, though they may or may not be taxable.<br>6) 1099-S – This form is used to report the sale of land, which might be residential, commercial, or industrial.<br>7) 1099 MISC – This category includes money received as cash, reward, award, royalties that were not earned through employment.<br><br>How to Fill Out a 1099 Form?<br></p>

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<div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company122615595/mediafiles/3gppGq5Q103.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>The largest carrot cake weighs 2,075 kg (4,574 lb) and was achieved by Guildford Town Centre and Saint Germain Bakery (both Canada) in Surrey, British Columbia, Canada on 8 November 2016. The recipe included raisins, coconut, pineapple, and 460 kg (1,014 lb) of shredded carrots<span></div><div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company122615595/mediafiles/jsBPfkwp105.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>Ice Cream for Breakfast Day was created in the 1960s by housewife Florence Rappaport from New York. The idea behind the day was simply that Florence’s 6 children were exceptionally bored one cold and snowy February morning and she had to come up with something to entertain them so they wouldn’t get restless and cranky. The holiday really caught on too, thanks to Florence’s grandchildren, who have traveled extensively Ice Cream for Breakfast Day has been celebrated in countries all over the world, from Germany to Nepal, to as far as Namibia.<span></div>

<div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company540272286/mediafiles/YXz4zDTb209.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>test<span></div>

<div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company122615595/mediafiles/ZAW5j8cU99.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>Test Content<span></div><div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company122615595/mediafiles/CYfHFabz100.tmp'/></div><div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company122615595/mediafiles/9Mpp4dR8101.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>Final Content<span></div>

<div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>Grand Central Terminal in NY<span></div><div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company540272286/mediafiles/fNy7QcCq205.tmp'/></div><div style=' background:#FFFFFF;color:#000000;font-size:15px;font-family:Verdana;width:auto;padding:5px;max-height:50vh;'><span>Peak traffic has fallen during the pandemic<span></div><div><img height='400px' width='auto;' class='img_dynaPost' src='/BlitzMobiImages/consumers/company540272286/mediafiles/H4XBmjMV206.tmp'/></div>