Month: April 2020

To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here!

To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here!

Deciding as well as making the jump to spend is the primary step – whether to begin a service, buy the stock exchange, realty, or a few other endeavor it’s mosting likely to require understanding, ability and also might or might not influence your economic stand factor once it’s all claimed as well as done. All financial investments bring at the very least some sort of threat, and also as an outcome of threat individuals really feel worried when it pertains to making financial investments.

In spite of the tiny or huge threats, to obtain your cash operating in your support and also expanding for you will certainly imply a financial investment of some kind. It is merely an issue of choosing the best financial investments, persistent upkeep and also generally holding up throughout instead of taking out prior to the term schedules. When myself as well, this is a difficult principle to find out and also it’s in fact bit me even more than!

Right here are some recommendations to assist you with financial investments that will certainly raise your funding with time.

Figuring out the threat variable prior to you leap with both feet off something you’ll be sorry for later on:

The initial point one needs to maintain in mind is possible threat of the financial investment you are going to make. Think about the result on your life if you shed every cent you are going to spend.

Most likely all financial investments have threat, however some are a lot more dangerous than others, audio suggestions from an effective financial investment representative can accompany means. Do not hesitate to ask actually “stupid” concerns and also maintain asking till you comprehend the subject. This is your cash were speaking about below as well as were not playing syndicate any longer.

These high threat financial investments can be difficult unless you’re playing with “home” cash or cash that you’ve made and also it will not injure as well much if you shed it all. High threat financial investments are not for everybody, some simply can not deal with the anxiety of perhaps shedding their tough gained money.

See to it that you are not obtaining cash or investing cash that you might require in other places, as well as see to it that the loss of cash will certainly not disrupt your lifestyle at all. I’ve likewise been attacked by this. On the silver lining I’m discovering what not to do.

Tracking Your Past Investments Performance:
It is extremely essential to recognize as well as track the historic efficiency of the corresponding business or bond if you’ll be making financial investments in areas like bonds as well as supplies. As soon as your research study has actually been detailed than make your relocation.

If you do not see any kind of boost in rate worth of the supply or bond for the last number of months yet it appears to be consistent after that maybe an excellent capacity for a long-term financial investment. Consistent development is an excellent sign for prospective development in the future, which after an extended period will certainly generate far better than temporary financial investments.

Checking Out Recent News:

Searching these subjects online can make you acquainted with current market occasions. When you obtain the hang of routine, computed investing you could locate the anxiety is not as well negative and also the economic incentives are really delightful!

Regardless of the little or huge threats, to obtain your cash functioning in your support as well as expanding for you will certainly suggest a financial investment of some type. The initial point one must maintain in mind is possible threat of the financial investment you are going to make. Possibly all financial investments have threat, yet some are extra dangerous than others, audio suggestions from an effective financial investment representative can go along means. These high threat financial investments can be difficult unless you’re playing with “residence” cash or cash that you’ve gained as well as it will not harm also much if you shed it all. High threat financial investments are not for every person, some simply can not take care of the anxiety of perhaps shedding their tough made cash money.

The post To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here! appeared first on Get Funding For Your Business And Ventures.

The post To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here! appeared first on Buy It At A Bargain – Deals And Reviews.

The Biggest SEO Trend You’re Ignoring

The screenshot above is my Google traffic over the last 12
months.

As you can see, my traffic is growing. And there are many reasons for that, but there is one trend that’s really caused the majority of my SEO growth.

You might be thinking it is Ubersuggest because it makes up 22.4% of my traffic now. But Ubersuggest has been integrated into NeilPatel.com for years, so that’s not it.

Sure, that is responsible for some of my growth, but it’s not responsible for it skyrocketing like it has been.

So, what do you think it is?

Well, I’ll give you a hint…

My traffic per region

Let’s look at my SEO traffic in a few different regions.

Here’s my traffic in the United States over the last 12
months:

Now here’s my traffic in the United Kingdom:

And here are the stats for Canada:

And Australia:

You can see that they have all increased, but not enough to
cause the big spikes.

Now let’s look at some of the international markets we have been focusing on over the last few years.

Here’s Spain:

Here’s India:

And here is the first international market we expanded to,
Brazil.

As you can see, the international markets are growing at a much faster pace, especially Brazil. But that is because we have been focusing on our SEO in Brazil more than any other country (outside of our main English markets).

Why you may ask?

Because a Google employee told me to

The most vital SEO lesson I learned came from a friend at Google, but they didn’t tell me anything that was really a secret…

They told me that the majority of the searches on the web aren’t done in English, they are done in other languages.

And in the English markets, everyone is competing, which
means tons of sites and content from Google to choose from when it comes to determining
which site should rank number 1 for any given keyword.

But the international markets are the opposite. There is a lot of demand but not enough sites for Google to choose from when it comes to rankings.

So even though there are tons of algorithm
updates and SEO is becoming more difficult, it isn’t always the case with
many international markets.

And the graphs above show it. As you can see, I’m getting huge traffic growth in those regions.

So, what should you do? Especially if you are starting
off and don’t have a big budget or any budget for that matter…

Follow Amazon

Wherever you see big corporations like Amazon investing, it
means there is money to be made in those regions.

Amazon has invested billions into regions like India:

It’s safe to say over the years Amazon will pour in well over $10 billion into India.

That’s a big bet for someone to make. And you can assume it’s a calculated bet because they think there is much more money to be made.

And it’s not just India…

Amazon is investing $236 million into Brazil to boost up their cloud infrastructure. And they’ve invested over $2.26 billion dollars in France. They are pretty much going after the whole world.

As you can see from the graph, Germany is its second-biggest market and Japan is also up there. But what’s interesting is the green bar as that represents the “rest of the world” and that green bar has been growing at a fast pace.

Now, I get that none of us are Amazon and we don’t have huge
budgets, so I wanted to take a minute and break down how you can do this on a
global scale without breaking the bank.

International SEO on a budget

When I first started to expand internationally, my business
was much smaller and we didn’t have much money, if any, to spend on
international SEO.

Yes, I am an SEO, so you would think that it makes it easier, but not really because the only language I am fluent in is English.

And if you fast forward to today, I’m still only fluent in
English, but we have 7 offices around the world.

And we did it without laying out any of our own money. Yes, it did take time and it will for you too, but that’s the only way to do it when you are starting off and are small.

So how did we expand internationally without spending upfront?

We partnered with locals.

Why not find people in these regions who speak English as well as the local language of the country you are trying to expand to?

There are so many people without jobs, you’ll be shocked by how many people will be open to a partnership. All you have to do is look at Facebook groups and forums to find people in your space who live overseas.

Here’s how I structure each partnership:

  • I have the person, or a group of people, translate my content to that region’s language.
  • I have them read my English blog posts so they can learn SEO (if they don’t already know it… nowadays I look for people who already know SEO as I have been doing this long enough and can spend some money).
  • In exchange for them growing my traffic in that region, I give them a portion of the profits I make within that region. You can structure where you give them anywhere from 10% to 30%. You don’t want to go too low on the profit-sharing as you want them to work hard, but you also don’t want to go too high where you are giving away everything.
  • They put in the work each day, and they have 3 months to show some traction, and within 6 months they should have significant growth. Keep in mind it is less competitive, so it is easier to get results. You can also work with them on creating goals and milestones.
  • If they don’t show results, the partnership ends, and I don’t have to give them anything. If they show results, we keep pushing forward.

Now that we’ve covered structuring your international SEO expansion, let’s go over how you do it.

International SEO

I’ve written a handful of blog posts that break down the
steps on growing your traffic in new languages and countries, but before I
share them, I wanted to break down the 2 biggest lessons I learned:

  1. Transcribe the content, not translate – when you work with a partner overseas, they may think you want your content translated or that you want content written in their language just like how people would write the content in the US. That won’t work because cultures are different and keywords are different, so transcribe the content and adjust it to each country.
  2. You want a partner that lives in that country – if you expand into a country where you don’t have a partner on the ground you won’t see great results. By having people on the ground, you can more easily build up your brand, which has a big impact on rankings.

Here are some resources that will show you how to do
international SEO:

  • This post will break down how to create a global SEO strategy.
  • And follow this to setup SEO correctly for different languages and countries. Keep in mind that Google doesn’t penalize for duplicate content, so don’t worry about having similar content or the same content for different regions.
  • Here’s how to expand internationally profitably.
  • This will teach you the fundamentals of reaching a global audience.

Funny enough, one of the reasons I created Ubersuggest was
to build a tool that would help my team and I expand internationally.

Here’s a feature in Ubersuggest that will help you, that
most people don’t know about.

So head over to Ubersuggest
and type in a competitor that you know is big and has a global presence.

I want you to click on the “Top Pages” navigational option
in the sidebar.

This shows you all of the top pages that your competitors
have.

But don’t focus on those results. I want you to look at the regions that make up some of your competitions’ traffic… you’ll see that number next to each flag.

Click on one of the regions that you are considering
expanding into. You’ll now see the results adjusted.

As you can see from the screenshot above, those are all of the pages on my site that are really popular in Brazil.

Now, I want you to click on “view all” under “Est. Visits”
as that will show you all of the keywords that drive traffic to that page.

This will provide you with a laundry list of international keywords that you can give to your team so they can start creating content to go after them.

I also want you to click on “view all” under “Backlinks” as
this will show you who links to your competition. You can then create a list of
sites to reach out to so you can get them to link to you.

That’s the simple strategy we used to hit it hard in regions like Brazil and what we are also doing in countries like India, Spain, Mexico, France, Germany, and countless other countries.

Conclusion

English is a great language. And I love the United States as
well as other English-speaking countries.

But that’s not where the opportunity is. There is more opportunity in global markets, which is why you need to follow the trend of international SEO.

Even if some of these countries don’t have as high of a GDP compared to the United States, it’s fine. Remember there aren’t as many competitors, which means you will have a lot of opportunities to still do really well.

So what region are you going to expand to first?

The post The Biggest SEO Trend You’re Ignoring appeared first on Neil Patel.

Just how to Choose an Internet Service Provider

Exactly how to Choose an Internet Service Provider

An ISP – Internet Service Provider – is a business that gives a portal to the Internet for business and also people. In its easiest type, linking to the Internet needs a telephone line to call up an ISP utilizing a computer system and also modem. The ISP after that gives the course onto the Internet.
Picking an Internet Service Provider calls for a basic very first step. Ask on your own: “What do I intend to make use of the Internet for?” You can after that begin to function out your needs if you can address this.
Response to the inquiry “What do I intend to make use of the Internet for?” can consist of:
Just how much will I make use of the Internet monthly?
What time of day will I utilize it?
Do I require internet area?
Is client assistance essential to me?
The number of e-mail addresses will I require?
Can the ISP assistance on the internet settlements?
Just how much does it set you back?
One more inquiry to ask is “How long has the ISP stayed in business?” This may not appear essential however in this sector ISP’s reoccured fairly consistently. Running an ISP needs comprehensive computer system experience, understanding as well as high quality equipment, in addition to a reputable line right into the Internet, lots of great modems as well as ample consumer assistance.
Various kinds of Internet solution
Dial-up: attaches to the ISP utilizing a modem. This is one of the most standard, slowest and also least expensive choice.
DSL: preferred broadband net solution. It utilizes a normal telephone line to attach to the Internet, nevertheless it is quicker that dial-up and also permits you to access the Internet and also utilize the phone at the exact same time.
Wire: broadband Internet solution that utilizes your TELEVISION cable television.
Satellite: It attaches to the Internet utilizing a dish antenna. It is extra pricey than various other choices yet permits individuals leaving in separated locations to access the Internet.
Wireless: Connect to the Internet while you are far from house. Enables individuals to take a trip with their laptop computers and also gain access to the Internet from locations worldwide.
T1: extremely broadband net solution unique for services.
The following action needs to be to begin calling the Internet Service Providers in your location or seeing their web sites to find out more. A great way to learn about a certain ISP in your location is to ask individuals that utilize it or attempt it on your own. On the Internet there are great ISP’s directory sites that you might desire to go to.

An ISP – Internet Service Provider – is a firm that supplies an entrance to the Internet for business as well as people. In its easiest kind, attaching to the Internet needs a telephone line to call up an ISP utilizing a computer system and also modem. Picking an Internet Service Provider needs an easy initial action. Running an ISP needs considerable computer system top quality, experience and also understanding equipment, not to discuss a dependable line right into the Internet, lots of great modems and also ample client assistance.
The following action ought to be to begin calling the Internet Service Providers in your location or seeing their web sites for even more details.

The post Just how to Choose an Internet Service Provider appeared first on ROI Credit Builders.

The Benefits of Permission Email Marketing

The Benefits of Permission Email Marketing Email advertising and marketing is continually obtaining even more interest as years pass. Advertising and marketing is making a change in the direction of the Internet and also e-mail advertising is among the significant areas that marketers are getting involved in. Also if e-mail advertising and marketing is obtaining …

Cellular Phone Or Blackberry?

Cellular Phone Or Blackberry?

When thinking about whether to acquire a mobile phone or a blackberry, among one of the most essential functions to think about is cellular phone innovation. While blackberries still out do the typical mobile phone, mobile phone modern technology is quickly capturing up. With the mobile phone’s capability to message, download, immediate message, and also determine the pointer percent in a dining establishment, their modern technology is adequate for many people.

As well as while blackberry innovation proceeds to breakthrough, it is not proceeding at the exact same price as cell phones are. Cell phones have actually enhanced so a lot in their preferred requirement that the majority of technical production business are concentrating on the application of cell phone innovation.

With the improvements to mobile phone innovation that have actually currently happened, many people change their cellular phone every 12 to 18 months. Really couple of individuals hang on to their mobile phone for greater than 2 years. It is essential to cellular phone proprietors to stay on par with the most up to date innovation and also every little thing that a mobile phone can taking care of.

Blackberry substitute data recommend that the typical blackberry proprietor changes their devices every 24 to 48 months, therefore decreasing the repurchase worth. Much like any type of various other innovation tools on the marketplace, with higher appeal as well as equal innovation breakthroughs, the expense of the modern technology lowers also as the modern technology itself improves.

Lots of people pick cellular phone innovation as a result of its loved one convenience and also knowledge. Those that are not inclined to obtain delighted regarding brand-new innovation do not also recognize what a blackberry is, though almost every person understands what a cellular phone is as well as what you can do with one.

Cell phones are such a staple in our culture that also those that have alternative innovation still bring a cell phone. Cell phone modern technology isn’t that much behind the majority of various other mobile technical innovations. Cell phone innovation has actually progressed to the factor that many of us would certainly be shed without our cell phones.

When taking into consideration whether to buy a cell phone or a blackberry, one of the most essential functions to take into consideration is cell phone modern technology. While blackberries still out carry out the standard cell phone, cell phone modern technology is quickly capturing up. With the improvements to cell phone modern technology that have actually currently taken area, many individuals change their cell phones every 12 to 18 months. Cell phones are such a staple in our culture that also those that have alternating modern technology still bring a cell phone.

The post Cellular Phone Or Blackberry? appeared first on ROI Credit Builders.

The post Cellular Phone Or Blackberry? appeared first on Buy It At A Bargain – Deals And Reviews.

The CARES Act and COVID-19: What You Need to Know NOW

There’s a lot going on right now. So let’s look at the CARES Act Fiscal Stimulus Plan. The details are still in flux. Some may change. This information is current as of right now.

Overview of the CARES Act

Here’s an Overview of CARES. CARES stands for Coronavirus Aid, Relief, and Economic Security Act.  This bill addresses economic impacts of, and otherwise responds to, the COVID-19 (coronavirus) outbreak. The bill authorizes emergency loans to distressed businesses, including air carriers and suspends certain aviation excise taxes. 

With respect to small businesses, the bill establishes, and provides funding for, forgivable bridge loans; and provides additional funding for grants and technical assistance.

More Details of the CARES Act

The bill also provides funding for $1,200 tax rebates to individuals, with additional $500 payments per qualifying child. The rebate begins phasing out when incomes exceed $75,000 (or $150,000 for joint filers). The bill establishes limits on requirements for employers to provide paid leave. 

With respect to taxes, the bill establishes special rules for certain tax-favored withdrawals from retirement plans; delays due dates for employer payroll taxes and estimated tax payments for corporations; and revises other provisions, including those related to losses, charitable deductions, and business interest. 

The bill also authorizes the Department of the Treasury to temporarily guarantee money-market funds. 

See: congress.gov/bill/116th-congress/senate-bill/3548.

Who Can Make CARES Act Loans? 

Lenders with delegated authority from SBA. This lets lenders determine eligibility and creditworthiness. They can do so without going through SBA channels.

How Will Banks Evaluate Borrower Eligibility for CARES Act Funding? 

The lender must consider if the borrower was in operation on February 15, 2020; and had employees for whom the borrower paid salaries and payroll taxes OR paid independent contractors, as reported on a Form 1099-MISC. The application period is February 15, 2020 to June 30, 2020.

Business Size Requirements

So any small business, non-profit, veterans’ organization, sole proprietorship or independent contractor, eligible self-employed individuals, or tribal small business concern is eligible for a loan if they employ no more than the greater of 500 employees; or if applicable, the SBA size standard for employees in the industry where the borrower operates (NAICS code). 

Employees include anyone employed on full-time, part-time or other basis. For businesses with more than 1 physical location (like food services), the 500 employees can be measured per physical location.

Maximum Loan Amounts Under the Paycheck Protection Program of the CARES Act

The maximum loan amount under the Paycheck Protection Program is the lesser of 2.5 times the average total monthly payments by applicant for payroll costs incurred during one year before the date of the making of the loan. And add in outstanding amounts of any Emergency Injury Disaster Loan (EIDL) gotten on or after January 31, 2020 to be refinanced under this loan. Or $10,000,000. There are special rules for seasonal employers and businesses not in existence from 2/15/2019 to 6/30/2019.

Payroll Costs

Payroll costs include the sum of payments of any compensation for employees for salary, wage, commission, or similar compensation. They also include payment of cash tip or equivalent, and payment for vacation, parental, family, medical or sick leave. And they include allowance for dismissal or separation, and payment for the provision of group health care benefits, including insurance premiums. Plus they include payment of any retirement benefits, or payment of state or local tax assessed on the compensation of employees. 

The sum of such payments cannot be more than $100,000 in 1 year, as prorated for February 15, 2020 to June 30, 2020.

Payroll costs do not include compensation of an individual employee’s in excess of an annual salary of $100,000 prorated from February 15, 2020 to June 30, 2020. And they do not include taxes imposed or withheld under FICA (Social Security and Medicare), Railroad Retirement Act, and IRC Chapter 24 (income tax at source). 

Also, they don’t include any compensation of an employee whose principal place of residence is outside the US; and qualified sick leave or family leave wages where a credit is allowed under the Families First Coronavirus Response Act.

CARES Act Credit Suite

Want to review your options with one of our consultants? Give us a call at 877-600-2487.

What Can CARES Act Loans Be Used For?

Loans can be used for payroll costs and costs related to the continuation of group health care benefits during periods of paid sick, medical, or family leave, and insurance premiums. They can also be used for employee salaries, commission, or similar compensations. 

You can use a loan for payments of interest on any mortgage obligation (excludes prepayment) or rent (including rent under a lease agreement). And you can use it on utilities and interest on any other debt obligation that was incurred before the period.

Good Faith Certification Requirements

So here are the Good Faith Certification Requirements. 

An eligible recipient applying for a covered loan must make a good faith certification that: the uncertainty of current economic conditions makes necessary the loan request to support ongoing operations. They acknowledge that funds will be used to retain workers and maintain payroll or make mortgage payments, lease payments, and utility payments

And they certify that the eligible recipient does not have an application pending for a loan under this subsection for the same purpose and duplicative of amounts applied for or received under a covered loan.

 Plus they certify that, from February 15, 2020 to December 31, 2020, the eligible recipient has not received duplicate amounts for the same purpose received under a covered loan.

Requirements and Fees

So here are the details on requirements and fees. 

The SBA has no recourse against any individual shareholder, member, or partner of an eligible recipient of a covered loan for nonpayment of any covered loan unless it is used for a purpose not authorized. 

From February 15, 2020 to June 30, 2020, no personal guarantee is required for the covered loan. And no collateral is required for the cover loan. Also, from February 15, 2020 to June 30, 2020, the SBA will not collect a fee.

Deferral of Payment

So here are the Deferral of Payment details. 

From February 15, 2020 to June 30, 2020, there is complete payment deferment relief for impacted borrowers with a loan with terms of 6 months to 1 year. This includes payment of principal, interest, and fees. An impacted borrower is one in operation on February 15, 2020 with an application for covered loan that is approved or pending after the enactment date.

What is Covered for the Sum Paid for 8 Weeks from Loan Origination Date

So here is what is covered for the sum paid for eight weeks from the loan origination date. 

Coverage includes payroll costs, and any payment of interest on any covered obligation. It also includes any indebtedness or debt instrument incurred in the ordinary course of business as a mortgage on real or personal property incurred before 2/15/2020. 

And it includes any payment of rent made under a leasing agreement in force before 2/15/2020. Plus it includes any utility payment for electricity, gas, water, transportation, phone or internet access where service began before 2/15/2020.

CARES Act Credit Suite

Want to review your options with one of our consultants? Give us a call at 877-600-2487.

Documents a Borrower Must Provide

So here are the documents a borrower must provide. Provide verification of the number of full time equivalent employees on payroll and pay rates including payroll tax filings reported to the IRS and state income, payroll, and unemployment insurance filings. 

Add cancelled checks, payment receipts, transcripts of accounts, and any other documents verifying payments on covered mortgages, leases, and utility payments.

 And add certification from an authorized representative of the eligible recipient that the documentation presented is true and correct. Plus a certification that the amount for which forgiveness is requested was used to retain employees, make interest payments on a covered mortgage or rent obligation, or to make covered utility payments. Provide any other documentation the SBA determines is necessary. No eligible recipient shall receive forgiveness without submitting the documentation required.

CARES Act Loan Forgiveness Details

So here are the loan forgiveness details. The lender will decide on the application no later than 60 days from receiving the application. Any amount which would be includible in gross income of the eligible recipient by reason of forgiveness is excluded from gross income.

Reduction of Loan Forgiveness

There can be a reduction of loan forgiveness. A reduction can happen if there is a reduction in full time equivalent employees. So this is when comparing to the average number of FTEs per month employed by the recipient from February 15, 2019 to June 30, 2019 or January 1, 2020 to February 29, 2020. 

Reductions also happen for over 25% in certain reductions in total salary or wages of any employees. These are employees who in 2019 did not receive a wage or salary at an annualized rate more than $100,000. There are special rules for tipped workers and rehires during a certain time period. 

Economic Injury Disaster Loans: Which Kinds of Businesses are Eligible under the CARES Act?

SBA’s Economic Injury Disaster Loans (or working capital loans) are available to small businesses; small agricultural cooperatives; small aquaculture businesses and most private non-profit organizations.

Available businesses include businesses directly affected by the disaster. And they include businesses that offer services directly related to the businesses in the declaration. They also include other businesses indirectly related to the industry that are likely to be harmed by losses in their community.

Criteria for Loan Approval 

So here are the criteria for loan approval. Applicants must have a credit history acceptable to SBA. The SBA must determine that the applicant business can repay the SBA loan. And an applicant business must be physically located in a declared county. And it must be suffering working capital losses due to the declared disaster. So this cannot be due to a downturn in the economy or other reasons.

Amounts You Can Borrow 

So check out how much you can borrow. Eligible entities may qualify for loans up to $2 million. The interest rates for this disaster are 3.75% for small businesses and 2.75% for nonprofit organizations. So terms go up to 30 years. Eligibility is based on business size, type of business and its financial resources. 

The SBA defines what a small business is, at sba.gov/document/support–table-size-standards.

How Can a Business Use the Loan Funds? 

A business can pay fixed debts, payroll, accounts payable, and other bills that could have been paid had the disaster not occurred. But there is no intent for the loans to replace lost sales or profits or for expansion.

CARES Act Credit Suite

Want to review your options with one of our consultants? Give us a call at 877-600-2487.

Collateral Requirements

So check out the Collateral requirements. Economic Injury Disaster Loans over $25,000 will need collateral. SBA takes real estate (commercial and residential) as collateral when available. The SBA will not decline a loan for lack of collateral. But they require borrowers to pledge what is available.

Ineligible Entities Under the CARES Act 

These are the ineligible entities under the act. 

Agricultural Enterprises: if the primary activity of the business (including affiliates) is as defined in Section 18(b)(1) of the Small Business Act. Also ineligible are religious and charitable organizations. Plus gambling concerns if they derive more than one-third of their annual gross revenue from legal gambling activities. And casinos and racetracks, because these are businesses whose sole purpose for being is gambling. Plus real estate developers mainly subdividing real property into lots and developing it for resale on their own account.

SBA Economic Injury Disaster Loan Funds

So here are the details on the SBA’s Economic Injury Disaster Loan (EIDLs) Funds. Funds come straight from the United States Treasury. Applicants do not go through a bank to apply. They apply directly to the SBA’s Disaster Assistance Program. So you can visit disasterloan.sba.gov/ela. 

There is no cost to apply. And there is no obligation to take the loan if offered. The maximum unsecured loan amount is $25,000. Applicants can have an existing SBA Disaster Loan and still qualify for an EIDL for this disaster. But you cannot consolidate the loans.

You can apply online. Applicants may apply online using the Electronic Loan Application (ELA). Visit disasterloan.sba.gov/ela. you can download paper loan applications at sba.gov/disaster. 

Mail completed applications to: 

US Small Business Administration
Processing and Disbursement Center
14925 Kingsport Road
Fort Worth, TX 76155

Get Disaster Loan Information and Application Forms

To get disaster loan information and application forms, call the SBA’s Customer Service Center at 800-659-2955 (800-877-8339 TTY). Or email disastercustomerservice@sba.gov. 

Get assistance from SBA partners. So you can get free help with reconstructing financial records, preparing financial statements, and submitting the loan application as follows. Small Business Development Centers (SBDCs); SCORE; and Women’s Business Centers (WBC). For the nearest office: visit sba.gov/local-assistance. 

Takeaways

Keep in mind, the CARES Act is still a bit in flux. But the details are probably not going to change much. The gist of it is to help small businesses during 2020. Most of the deadlines are in June, so apply NOW. Contact us today to learn more about the CARES Act and COVID-19: what you need to know.

The post The CARES Act and COVID-19: What You Need to Know NOW appeared first on Credit Suite.

New comment by hhuang123 in "Ask HN: Who wants to be hired? (April 2020)"

Hi! I’m Henry — a new grad at Skidmore College. I focused mainly on designing and deploying ML architecture — although I’m very open to any and all backend opportunities.

Location: Chicago, IL

Remote: Yes

Willing to relocate: Yes

Technologies: Python, Java

Resume: https://drive.google.com/file/d/1V4-R5EbMdPBa3pGW4vYPAiIvd14…

Email: henry.huang324@gmail.com

Latest on NCAA cancellations, eligibility, recruiting and more

From the start of the college football season to cutting sports to an extra year of eligibility, here is the latest information on how the coronavirus is affecting colleges. The post Latest on NCAA cancellations, eligibility, recruiting and more appeared first on Buy It At A Bargain – Deals And Reviews.

A $100 Billion Breather: China Banks Give Borrowers a Coronavirus Debt Holiday

The post A $100 Billion Breather: China Banks Give Borrowers a Coronavirus Debt Holiday appeared first on Get Funding For Your Business And Ventures. The post A $100 Billion Breather: China Banks Give Borrowers a Coronavirus Debt Holiday appeared first on Buy It At A Bargain – Deals And Reviews.