The second wave of Social Security payments go out Wednesday. Those who receive SSI benefits will get two checks in August due to the timing of the Labor Day holiday.

Social Security beneficiaries would welcome extra money in the bank from a COLA hike. But some might only be looking at $50 a month or less extra.

Brex reports that applying for an EIN online provides instant approval, while mail takes weeks. An EIN is essential for business identity and growth.