New comment by fovc in "Ask HN: Freelancer? Seeking freelancer? (August 2020)"

SEEKING FREELANCER | REMOTE

Looking for a freelancer with experience using proof assistants to help formalize and debug a couple of complex algorithms we’ve developed. Don’t have a strong preference for a particular proof system, but will ask about your preference and why.

Keyword bingo: formal methods, coq, agda, isabelle, idris, proof assistant

The post New comment by fovc in “Ask HN: Freelancer? Seeking freelancer? (August 2020)” appeared first on ROI Credit Builders.

How to Choose The Right Digital Marketing Agency

Deciding to hire a digital marketing agency is easy. 

The hard part is deciding which digital marketing agency to hire. 

In today’s world, anyone with an internet connection can create a website and start offering services as an entrepreneur. The barriers to entry are slim to none. 

Which… is what makes choosing the right digital marketing agency so tricky. 

However, I know a few things that can help simplify the decision-making process. In this article, I cover what to look for, things to avoid, how to make the most of your digital marketing agency, and my top recommendations. 

But first, let’s start at the beginning. 

Know your goals and desired outcomes

Every business is different, as is every digital marketing agency. 

Digital marketing agencies usually specialize in one or two areas. And while many of them are “full-service,” they typically prefer projects within their specialty.

So the first step in choosing the right digital marketing agency is understanding your goals and what you hope to achieve by working with one. 

It may be easier to break this down into deliverables, the goal of those deliverables, and the outcome you hope to achieve. Knowing these things helps you communicate what you wish to get out of the project. 

And when an agency knows what you’re looking for, they know whether they can actually help you without wasting anyone’s time. 

Here are some examples to get your wheels turning. 

Example #1:

Pretend you want to hire an agency to help you develop a content marketing system. You ultimately want a blog that continuously runs on autopilot with no work required by you. 

  • Deliverable: a fully-managed content marketing plan, strategy, and system
  • Goal: attract more of the right visitors to your website with high-quality content
  • End result: a blog 100% managed by someone else

From there, you can start looking for companies that fit the bill because you know exactly what you’re looking for and how to communicate your desired outcomes.

Example #2:

Maybe you’re interested in creating a series of marketing videos you can use on social media and your website, but you don’t know how to do it or where to start. 

You also want someone to coach you through the process. 

  • Deliverable: a series of on-brand marketing videos and matching visual assets
  • Goal: communicate your new offer in a fun and engaging way for your audience
  • End result: a finished product and the know-how required to do it on your own

Now, you can actively look for digital marketing agencies that are willing to coach you through it. Coaching is more hands-on, so not all video marketing agencies can do this. 

But because you know what you want, you can find the right fit for you. 

Imagine the disappointment of hiring someone and realizing they can’t or won’t give you what you were really looking for. 

This is why it’s essential to pinpoint your goals and desired outcomes before doing anything else. 

7 characteristics that make a great digital marketing agency

Now you know what your goals and desired outcomes are. So, it’s time to talk about what makes excellent digital marketing agencies… great. 

So, look for these characteristics as you go through the process of deciding who you want to work with. They’ll help you vet out top-notch service providers from those who say they’re the best without proof to back it up. 

Let’s dive in!

1. A sizable portfolio and/or list of past clients

Smart digital marketing agencies are proud of who they work with and the work they do. Furthermore, they typically display their partnerships for the world to see. 

You don’t necessarily have to know who their past clients are (bonus points if you do). But if you can’t find a list of previous clients or examples of their work, that may mean they haven’t worked with anyone. 

Which… is fine if you’re on a budget. But not okay if you’re looking for the best of the best. 

That said, some types of services aren’t easy to display, like content marketing and SEO. So, agencies specializing in those areas may not be able to showcase their work in a portfolio. 

However, a client list is a good indication of their experience. 

Neil Patel Digital Social Proof

Note: with services like graphic design or website development, you should see a well-put-together showcase of the type of work they do. If you can’t find any examples, move on to a service provider with a portfolio that matches your expectations.

2. Experienced and specialized team members

Regardless of the type of services you’re after, it’s essential to make sure the agency you hire has the right team-members to suit your project. 

For example, you wouldn’t hire someone to design a logo if they don’t have a graphic designer. 

Look through their about page to see if they list their team members there. 

And if not, LinkedIn is also a great place to look. Start by searching for the agency. 

Then click “People” to see a list of everyone who works there. 

Note: this typically won’t show you any freelancers or contractors they work with, so it’s not always 100% indicative of who’s on their team. 

Furthermore, some of their team members may not be on Linkedin at all. 

But this is an excellent place to start. You can always ask questions during your consultation if you aren’t sure. 

3. Social proof and a strong industry reputation

Social proof, like testimonials and previous client reviews, can give you deep insight into what working with that agency is like.

Furthermore, smart marketers understand the importance of displaying social proof on their website. So, if you can’t find any, they may not have any previous clients, or they may not understand the industry as well as you’d like them to. 

Besides positive reviews, negative or neutral reviews can also shine a light on areas that agency struggles with to get a clear understanding of their work. 

Lastly, you can search for in-depth reviews on Google to see what others in the industry (and their past clients) say about their experiences with the agency. 

4. Similar core values and company culture

Take a moment to revisit your company’s core values and culture.

Why? Because it’s crucial to work with a digital marketing agency that values the same things and operates in a similar environment. 

Doing so ensures they mesh and work well with your team. Ultimately, an agency is an extension of your business. Choosing an agency with the right values and culture is just as important as considering the quality of their work. 

The last thing you want is the stress of working with a group of people who don’t value the same things or operate in the same way. 

Look at the words and phrases an agency uses to describe what they do. Does this align with your core values and the results you expect to see? 

If not, move on to an agency that feels like a better fit. 

5. A well-designed website

Your website is like a cozy entryway that makes the right people feel welcome. 

The best digital marketers know how essential a well-designed website is. So, if they’re not executing internal projects well, why would you expect them to deliver something better for yours? 

This is especially true if they offer website development or design services. 

So, look through their website and listen to your instincts. 

If it doesn’t feel right or appears low-quality, you’re better off moving on to an agency that values good design and delivering exceptional user experiences

6. They don’t make outlandish promises

The type of results an agency promises on their website is a strong indication of how well they understand the industry. 

For example, anyone claiming to fast track your way to the number one spot on Google doesn’t know that SEO is both a long-term and short-term marketing strategy. Or that it requires continuous work to maintain. 

So, that’s probably not someone you should hire to help optimize your website. 

Pay close attention to the claims and promises they make. 

Make sure they align with what you know about the industry. And remember outlandish or seemingly impossible promises are a huge red flag. 

Stick to digital marketing agencies that offer transparency and realistic promises. 

7. And they’re easy to get in touch with

The best digital marketing agencies make it as easy as possible for potential clients to get in touch with them. 

Navigating their website shouldn’t feel like a maze,

In a perfect world, their contact information isn’t more than one click away regardless of what page you’re on. And they provide a clear call to action, so you know what to do next.

Furthermore, your first step should be painfully clear. Do they want you to schedule a consultation? Maybe you’re supposed to fill out a contact form for more information or a custom quote. 

If it isn’t obvious or you’re struggling to figure out how things work, consider choosing a digital marketing agency that simplifies the process. 

How to work with a digital marketing agency

There are quite a few things you can do as a client to maximize your results and get the most out of your strategic partnership with a digital marketing agency. 

Doing these things helps set the stage for effective and successful collaboration through every phase of the project.

Prepare your team and do your homework

It’s essential to have everyone on the same page. So, have a meeting with your team and let them know the extent of your new project or partnership with plenty of time to get ready for it. 

If you owe the agency anything, be sure to spend time on it and do it well. They need to learn the ins and outs of your business, and this is your chance to put it all out on the table. 

This sets the precedence for the rest of the project, so don’t rush to get it done. 

Understand the scope, process, and timeline

Before the project starts, make sure every person with a stake in it agrees on the scope and timeline before moving forward. This is just as much your job as it is your agency’s. 

Furthermore, most digital marketing projects go through these four phases:

  1. Discovery and research
  2. Project planning
  3. Execution
  4. Review, results, and offboarding

Layout the details of each step with your team and agency so everything is crystal clear before the project begins. 

Don’t expect a hands-off experience

The best digital marketing projects are highly collaborative. 

Furthermore, your input, thoughts, and ideas help move the project forward in the right direction to match your desired outcomes. 

Some agencies and projects are more collaborative than others. So make sure you understand what they need from you throughout the entire project. 

It may help to have a dedicated point of contact and a team or team member ready to manage the project. Having someone readily available helps ensure you’re not holding things up on your end. 

Be ready to forfeit control

It’s important to remember that the agency you hired is excellent at what it does, and you hired them for a reason — their expertise. 

This means giving them complete control over certain aspects of the project to let them do what they do best. It’s also important to listen to what they say. 

If they have a reason for doing things a certain way, remind yourself they’re the experts. 

You don’t necessarily have to agree, but it’s worth keeping an open mind. 

Ask questions

If you’ve never worked with a digital marketing agency before, you will see and experience a lot of new things. 

And it’s completely normal if you don’t understand everything that’s happening. 

The best thing to do is ask questions.

Maybe you don’t know why they chose this color over that one. Or there’s a piece of data you don’t get. Perhaps someone said something that doesn’t make sense to you. 

There’s nothing wrong with not knowing. However, asking about the things you’re unsure of is an excellent opportunity for everyone to learn more. It also helps clear up any uncertainties. 

How to find the right digital marketing agency for you

There are countless “full-service” agencies offering every type of service you can imagine under one roof. Which… sounds great, but I don’t recommend hiring them. 

Why? It makes more sense when you think about other industries. 

Example #1: Would you rather hire a general contractor or a custom porch specialist to build a custom-fit back deck for your house? The specialist, right? 

Example #2: Who do you see when you have specific medical issues that need attention? A specialist for that particular problem. Or you get referred to one by your general care physician. 

The best digital marketing agencies excel at one or two things with their other services being add-ons or secondary options. 

So, choose a niched digital marketing agency specializing in the types of services you’re looking for to get the best results and the most bang for your buck. 

The 6 top digital marketing agencies

Now you know what to look for and how to choose the right digital marketing agency for your next project. To help you get started, these are my top agency recommendations for different types of projects.

1. Neil Patel Digital — Best for SEO and content marketing

Neil Patel Digital is a holistic digital marketing agency specializing in content marketing and SEO for brands interested in disrupting their industry. 

Our goal is to change the way brands think about the content they produce. 

And we also care about helping that content get the attention it deserves

Our team of highly-skilled content marketers and SEO experts are equipped with my tried-and-tested digital marketing strategies to help your business deliver the right types of content… at the right time. 

Neil Patel Digital Hero

2. Storm Brain — Best for social media marketing and advertising

Storm Brain specializes in helping brands of all sizes generate more leads and leverage social media through organic and paid campaigns. 

They go the extra mile by looking at clients through the lens of an audience member to help craft and deliver long-term experiences that otherwise wouldn’t be possible. 

3. Action Rocket — Best for email marketing campaigns

From workshops and online courses to full-scale email campaign creation services, Action Rocket is a go-to expert for all things email marketing

Their team specializes in email strategy, design, and coding so you don’t have to worry about planning your campaigns or designing them. 

Plus, you can rest easy knowing your email code aligns with today’s best practices. 

4. Pop Video — Best for visual content marketing

Pop Video is a visual content marketing agency specializing in video and visual content marketing as well as matching visual assets for digital brands of all sizes. 

They understand the importance of deep collaboration between clients and their team, which is why they call themselves video partners… not video producers

At Pop Video, they consider themselves an extension of your team that works in parallel to supply iterative content for every step of the customer journey. 

5. Mad Mind — Best for eCommerce brand design

Online stores and eCommerce businesses deal with different challenges. So, you need a digital marketing agency who things differently to help you overcome those roadblocks. 

The Mad Mind team understands the importance of visual brand and product development from the look of your website and social media profiles to the intricate details of product packaging. 

6. Cubicle Ninjas — Best for branding and website/app development

In a perfect world, your website is your #1 salesman. But it’s no secret we aren’t all be web developers with a keen eye for design. 

But that’s why we hire experts, right?

Cubicle Ninjas is a digital marketing agency specializing in custom app and website development. They use modern design, humor, creative thinking, and the latest technologies to create excellent customer experiences

The best digital marketing agency is an extension of your team

Every project, big or small, deserves the attention of a true industry expert. However, choosing the right digital marketing agency often feels overwhelming. 

With tens of thousands of agencies to choose from, that’s no surprise.

But now you know what to look for, what to avoid, and how to prepare your team. Use the tips and characteristics we talked about next time you’re on the hunt for a niched digital marketing agency ready to bring your ideas to life. 

What do you consider before hiring a digital marketing agency? 

The post How to Choose The Right Digital Marketing Agency appeared first on Neil Patel.

Meet YC founders at YC's first Lightning Tech Talk & Happy Hour on Sept 10th

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Comments URL: https://news.ycombinator.com/item?id=24132540

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Rapid Finance Review

Are you looking for funding from Rapid Advance? They’ve changed their name – so welcome to our Rapid Finance review.

Rapid Advance is one of several lending companies online. They offer short term loans (MCA, also known as merchant cash advances) and more. We look at the specifics and drill down into the details.

Note: due to the COVID-19 health crisis, Rapid Finance is not offering loans at this time. But this lender does not appear to be going out of business.

Rapid Finance Review: Background

Rapid Finance is located online here: https://www.rapidfinance.com/. Their physical address is:

4500 East West Highway
6th Floor
Bethesda, MD 20814.

You can call them at: (800) 664-0173. Their contact page is here: https://www.rapidfinance.com/contact-us/. They have been in business since 2005.

Small Business Term Loans

$5,000 – $1 million is available in funding. The terms are 3 to 60 months. Your business needs to be generating revenue.

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, and the last three statements from your business bank account.

Merchant Cash Advances 

A range of $5,000 – $500,000 is available in funding. 

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, your last three credit card processing statements, and the last three statements from your business bank account.

Bad credit is no problem. 

SBA Loans

$30,000 – $250,000 is available in funding. The terms are 1 to 10 years. 

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, the last three statements from your business bank account, two years of business tax returns, and your schedule of debts.

Rapid Finance also offers bridge loans, lines of credit, asset-based financing, and invoice factoring.

Rapid Finance Review: Advantages

Advantages are a few choices for loan types. The maximum amounts available are high. Rapid Finance has also been in the online lending space for longer than most of the players in this industry.

Rapid Finance Review: Disadvantages

Disadvantages are that the documentation requirements can be a bit extensive. 

An Alternative to Rapid Finance

Why, it’s business credit, of course! Business credit is an asset which can help your small business for years to come.

The Process

Building corporate credit is a process, and it does not happen without effort. A corporation will need to actively work to build business credit. Nevertheless, it can be done easily and quickly, and it is much swifter than establishing consumer credit scores. Merchants are a big part of this process.

Doing the steps out of sequence will cause repetitive denials. Nobody can start at the top with business credit. For example, you can’t start with store or cash credit from your bank. If you do, you’ll get a rejection 100% of the time.

Company Credibility

A small business has to be reliable to loan providers and merchants. As a result, a small business will need a professional-looking web site and email address, with site hosting bought from a vendor like GoDaddy. In addition business phone and fax numbers ought to have a listing on ListYourself.net.

Also the company phone number should be toll-free (800 exchange or the equivalent).

A company will also need a bank account devoted purely to it, and it has to have all of the licenses essential for operation. These licenses all have to be in the correct, appropriate name of the company, with the same company address and telephone numbers. Keep in mind that this means not just state licenses, but potentially also city licenses.

Find out why so many companies use our proven methods to get business loans.

Working with the IRS

Visit the Internal Revenue Service website and obtain an EIN for the company. They’re totally free. Choose a business entity such as corporation, LLC, etc. A business can get started as a sole proprietor but will more than likely wish to switch to a type of corporation or partnership to decrease risk and optimize tax benefits.

A business entity will matter when it concerns tax obligations and liability in the event of litigation. A sole proprietorship means the entrepreneur is it when it comes to liability and taxes. No one else is responsible.

If you are a sole proprietor at the very least be sure to file for a DBA. If you do not, then your personal name is the same as the corporate name. Therefore, you can end up being directly accountable for all business financial obligations.

Plus, according to the Internal Revenue Service, using this structure there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 chance for corporations! Avoid confusion and significantly reduce the odds of an IRS audit simultaneously.

But you should see any DBA filing as a steppingstone to incorporating, which is best for business credit building. 

Starting the Business Credit Reporting Process

Start at the D&B website and obtain a cost-free DUNS number. A DUNS number is how D&B gets a small business into their system, to generate a PAYDEX score. If there is no DUNS number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s websites for the business. You can do this at https://www.creditsuite.com/reports/. If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process. This way, Experian and Equifax will have activity to report on.

Trade Lines

First you ought to establish trade lines that report. This is also referred to as vendor accounts. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can start obtaining revolving store and cash credit.

These sorts of accounts often tend to be for the things bought all the time, like shipping boxes, outdoor work wear, ink and toner, and office furniture.

But to start with, what is trade credit? These trade lines are credit issuers who will give you initial credit when you have none now. Terms are normally Net 30, versus revolving.

Hence if you get an approval for $1,000 in vendor credit and use all of it, you will need to pay that money back in a set term, such as within 30 days on a Net 30 account.

Details

Net 30 accounts have to be paid in full within 30 days. 60 accounts must be paid fully within 60 days. Unlike with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.

To launch your business credit profile the proper way, you ought to get approval for vendor accounts that report to the business credit reporting bureaus. As soon as that’s done, you can then use the credit.

Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Not every vendor can help like true starter credit can. These are vendors that will grant an approval with hardly any effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

Revolving Store Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, progress to revolving store credit. These are companies such as Office Depot and Staples. These companies are likelier to have products you need.

Use the business’s EIN on these credit applications.

Find out why so many companies use our proven methods to get business loans.

Fleet Credit

Are there more accounts reporting? Then progress to fleet credit. These are businesses like BP and Conoco. Use this credit to buy fuel, and to repair and maintain vehicles. Make certain to apply using the corporation’s EIN.

Cash Credit

Have you been responsibly managing the credit you’ve gotten up to this point? Then move onto more universal cash credit. These are service providers such as Visa and MasterCard. Keep your SSN off these applications; use your EIN instead.

These are usually MasterCard credit cards. If you have more trade accounts reporting, then these are attainable.

Find out why so many companies use our proven methods to get business loans.

Monitor Your Business Credit

Know what is happening with your credit. Make sure it is being reported and fix any mistakes ASAP. Get in the practice of checking credit reports. Dig into the specifics, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less. Update the details if there are mistakes or the info is incomplete.

Disputing Inaccuracies

So, what’s all this monitoring for? It’s to dispute any mistakes in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs often want you to dispute in a particular way.

Disputing credit report inaccuracies typically means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never send the originals. Always mail copies and retain the originals.

Disputing credit report errors also means you specifically itemize any charges you dispute. Make your dispute letter as crystal clear as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you mailed in your dispute.

A Word about Business Credit Building

Always use credit sensibly! Don’t borrow beyond what you can pay off. Keep an eye on balances and deadlines for repayments. Paying in a timely manner and fully will do more to raise business credit scores than pretty much anything else.

Establishing company credit pays. Good business credit scores help a small business get loans. Your credit issuer knows the small business can pay its debts. They understand the small business is authentic. The small business’s EIN links to high scores, and lenders won’t feel the need to demand a personal guarantee.

Rapid Finance Review: Takeaways

The companies which will do the best with Rapid Finance will tend to have entrepreneurs with decent personal credit scores and a considerable time in business. These companies will also have fairly high annual revenues.

The businesses which might not do so well will have been in business for too short an amount of time, or not have sufficient annual revenues. Companies not needing a lot in funding would probably do better going elsewhere.

And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math.

Go over the details carefully. And decide whether Rapid Finance will be good for you and your company. In addition, consider alternative financing options that go beyond lending, including building business credit, in order to best decide how to get the money you need to help your business grow.

The post Rapid Finance Review appeared first on Credit Suite.

The post Rapid Finance Review appeared first on Buy It At A Bargain – Deals And Reviews.

Rapid Finance Review

Are you looking for funding from Rapid Advance? They’ve changed their name – so welcome to our Rapid Finance review.

Rapid Advance is one of several lending companies online. They offer short term loans (MCA, also known as merchant cash advances) and more. We look at the specifics and drill down into the details.

Note: due to the COVID-19 health crisis, Rapid Finance is not offering loans at this time. But this lender does not appear to be going out of business.

Rapid Finance Review: Background

Rapid Finance is located online here: https://www.rapidfinance.com/. Their physical address is:

4500 East West Highway
6th Floor
Bethesda, MD 20814.

You can call them at: (800) 664-0173. Their contact page is here: https://www.rapidfinance.com/contact-us/. They have been in business since 2005.

Small Business Term Loans

$5,000 – $1 million is available in funding. The terms are 3 to 60 months. Your business needs to be generating revenue.

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, and the last three statements from your business bank account.

Merchant Cash Advances 

A range of $5,000 – $500,000 is available in funding. 

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, your last three credit card processing statements, and the last three statements from your business bank account.

Bad credit is no problem. 

SBA Loans

$30,000 – $250,000 is available in funding. The terms are 1 to 10 years. 

You will need to supply a government-issued ID (like a driver’s license), a void check from your business banking account, the last three statements from your business bank account, two years of business tax returns, and your schedule of debts.

Rapid Finance also offers bridge loans, lines of credit, asset-based financing, and invoice factoring.

Rapid Finance Review: Advantages

Advantages are a few choices for loan types. The maximum amounts available are high. Rapid Finance has also been in the online lending space for longer than most of the players in this industry.

Rapid Finance Review: Disadvantages

Disadvantages are that the documentation requirements can be a bit extensive. 

An Alternative to Rapid Finance

Why, it’s business credit, of course! Business credit is an asset which can help your small business for years to come.

The Process

Building corporate credit is a process, and it does not happen without effort. A corporation will need to actively work to build business credit. Nevertheless, it can be done easily and quickly, and it is much swifter than establishing consumer credit scores. Merchants are a big part of this process.

Doing the steps out of sequence will cause repetitive denials. Nobody can start at the top with business credit. For example, you can’t start with store or cash credit from your bank. If you do, you’ll get a rejection 100% of the time.

Company Credibility

A small business has to be reliable to loan providers and merchants. As a result, a small business will need a professional-looking web site and email address, with site hosting bought from a vendor like GoDaddy. In addition business phone and fax numbers ought to have a listing on ListYourself.net.

Also the company phone number should be toll-free (800 exchange or the equivalent).

A company will also need a bank account devoted purely to it, and it has to have all of the licenses essential for operation. These licenses all have to be in the correct, appropriate name of the company, with the same company address and telephone numbers. Keep in mind that this means not just state licenses, but potentially also city licenses.

Rapid Finance

Find out why so many companies use our proven methods to get business loans.

Working with the IRS

Visit the Internal Revenue Service website and obtain an EIN for the company. They’re totally free. Choose a business entity such as corporation, LLC, etc. A business can get started as a sole proprietor but will more than likely wish to switch to a type of corporation or partnership to decrease risk and optimize tax benefits.

A business entity will matter when it concerns tax obligations and liability in the event of litigation. A sole proprietorship means the entrepreneur is it when it comes to liability and taxes. No one else is responsible.

If you are a sole proprietor at the very least be sure to file for a DBA. If you do not, then your personal name is the same as the corporate name. Therefore, you can end up being directly accountable for all business financial obligations.

Plus, according to the Internal Revenue Service, using this structure there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 chance for corporations! Avoid confusion and significantly reduce the odds of an IRS audit simultaneously.

But you should see any DBA filing as a steppingstone to incorporating, which is best for business credit building. 

Starting the Business Credit Reporting Process

Start at the D&B website and obtain a cost-free DUNS number. A DUNS number is how D&B gets a small business into their system, to generate a PAYDEX score. If there is no DUNS number, then there is no record and no PAYDEX score.

Once in D&B’s system, search Equifax and Experian’s websites for the business. You can do this at https://www.creditsuite.com/reports/. If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process. This way, Experian and Equifax will have activity to report on.

Trade Lines

First you ought to establish trade lines that report. This is also referred to as vendor accounts. Then you’ll have an established credit profile, and you’ll get a business credit score.

And with an established business credit profile and score you can start obtaining revolving store and cash credit.

These sorts of accounts often tend to be for the things bought all the time, like shipping boxes, outdoor work wear, ink and toner, and office furniture.

But to start with, what is trade credit? These trade lines are credit issuers who will give you initial credit when you have none now. Terms are normally Net 30, versus revolving.

Hence if you get an approval for $1,000 in vendor credit and use all of it, you will need to pay that money back in a set term, such as within 30 days on a Net 30 account.

Details

Net 30 accounts have to be paid in full within 30 days. 60 accounts must be paid fully within 60 days. Unlike with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.

To launch your business credit profile the proper way, you ought to get approval for vendor accounts that report to the business credit reporting bureaus. As soon as that’s done, you can then use the credit.

Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Not every vendor can help like true starter credit can. These are vendors that will grant an approval with hardly any effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.

Revolving Store Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, progress to revolving store credit. These are companies such as Office Depot and Staples. These companies are likelier to have products you need.

Use the business’s EIN on these credit applications.

Rapid Finance

Find out why so many companies use our proven methods to get business loans.

Fleet Credit

Are there more accounts reporting? Then progress to fleet credit. These are businesses like BP and Conoco. Use this credit to buy fuel, and to repair and maintain vehicles. Make certain to apply using the corporation’s EIN.

Cash Credit

Have you been responsibly managing the credit you’ve gotten up to this point? Then move onto more universal cash credit. These are service providers such as Visa and MasterCard. Keep your SSN off these applications; use your EIN instead.

These are usually MasterCard credit cards. If you have more trade accounts reporting, then these are attainable.

Rapid Finance

Find out why so many companies use our proven methods to get business loans.

Monitor Your Business Credit

Know what is happening with your credit. Make sure it is being reported and fix any mistakes ASAP. Get in the practice of checking credit reports. Dig into the specifics, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less. Update the details if there are mistakes or the info is incomplete.

Disputing Inaccuracies

So, what’s all this monitoring for? It’s to dispute any mistakes in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs often want you to dispute in a particular way.

Disputing credit report inaccuracies typically means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never send the originals. Always mail copies and retain the originals.

Disputing credit report errors also means you specifically itemize any charges you dispute. Make your dispute letter as crystal clear as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you mailed in your dispute.

A Word about Business Credit Building

Always use credit sensibly! Don’t borrow beyond what you can pay off. Keep an eye on balances and deadlines for repayments. Paying in a timely manner and fully will do more to raise business credit scores than pretty much anything else.

Establishing company credit pays. Good business credit scores help a small business get loans. Your credit issuer knows the small business can pay its debts. They understand the small business is authentic. The small business’s EIN links to high scores, and lenders won’t feel the need to demand a personal guarantee.

Rapid Finance Review: Takeaways

The companies which will do the best with Rapid Finance will tend to have entrepreneurs with decent personal credit scores and a considerable time in business. These companies will also have fairly high annual revenues.

The businesses which might not do so well will have been in business for too short an amount of time, or not have sufficient annual revenues. Companies not needing a lot in funding would probably do better going elsewhere.

And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math.

Go over the details carefully. And decide whether Rapid Finance will be good for you and your company. In addition, consider alternative financing options that go beyond lending, including building business credit, in order to best decide how to get the money you need to help your business grow.

The post Rapid Finance Review appeared first on Credit Suite.

New comment by philngo in "Ask HN: Who is hiring? (August 2020)"

Recurve | Software Engineer | REMOTE ONLY (US/Canada) | Full time Recurve’s mission is to accelerate the transition to a clean energy economy. We do this by helping them utilities put their data to work to plan, procure, and deploy energy efficiency, solar, demand response, storage, and electrification resources into the emerging carbon-free energy grid. …

New comment by lbusby89 in "Ask HN: Who is hiring? (August 2020)"

Iterable | San Francisco, CA | Full-Time, Remote | https://iterable.com/careers Iterable is the growth marketing platform that enables brands to create, execute and optimize campaigns to power world-class customer engagement across email, push, SMS, in-app and more with unparalleled data flexibility. We are an integrated, cross-channel solution — Iterable is built for marketers, trusted by engineers, and designed with intelligence. Learn more about our Engineering culture and interview process here: https://github.com/Iterable/how-we-work

Here are our open roles:

– Director of Engineering, Reliability and Infrastructure: https://iterable.com/company/job/?gh_jid=2195975

– Engineering Manager – Mobile: https://iterable.com/company/job/?gh_jid=2207643

– Staff Software Engineer – Platform Services: https://iterable.com/company/job/?gh_jid=1911817

– Staff Software Engineer – Product Backend: https://iterable.com/company/job/?gh_jid=2223917

– Senior Software Engineer – Infrastructure: https://iterable.com/company/job/?gh_jid=1926698

– Senior Software Engineer – Platform Services: https://iterable.com/company/job/?gh_jid=1321405

– Senior Software Engineer – Product Backend:https://iterable.com/company/job/?gh_jid=1374138

– Senior Software Engineer – Site Reliability Engineer: https://iterable.com/company/job/?gh_jid=2214242

– Senior Data Scientist: https://iterable.com/company/job/?gh_jid=2269527

Episode #409 (Originally aired 11/04/16)

Episode #409 (Originally aired 11/04/16) – Bill’s guests are President Barack Obama, David Frum, Jennifer Granholm and Martin Short. The post Episode #409 (Originally aired 11/04/16) appeared first on Buy It At A Bargain – Deals And Reviews.

How to Spy on Your Competitor’s SEO in 60 Seconds

Have you ever searched for a term on Google and wished that your website ranked for it?

You know that if that traffic was going to you, it could change your sales, your revenue, and even your life.

But sadly, that traffic is going to your competition. 🙁

Well, today we are going to change that. I just released a new version of the Ubersuggest Chrome Extension that will give you insights into your competition’s SEO strategy so you can beat them…

Introducing the new Ubersuggest Chrome Extension

I’m going to show how to spy on your competitor’s SEO and outrank them, but first, you need to install the Ubersuggest Chrome Extension. It’s quick to do and it’s free.

Once you install it, I want you to head to one of your competitor’s websites and click on the “U” in your Chrome toolbar.

When you click on it, you’ll get data on any popular site.

You’ll see data on the right side, and, as you scroll, you’ll see more data.

The reason I added this feature to the Ubersuggest extension is to give you better access to your competitor’s SEO strategy.

That way you can outrank them.

Let’s go over each report of the Ubersuggest Chrome Extension and how you can use it to outrank your competition.

How to outrank your competition

First off, when you click on the “U” you’ll see traffic overview stats.

This gives you an idea if your competition has more traffic than you. If they do, then you should consider copying their SEO strategy.

If they don’t, then you still may consider spying and copying some of their SEO tactics… but, in general, focus on competitors with more traffic than you.

If you don’t know how to find these competitors, I will show you in a bit… but for now, let’s go over how you can use the data within the Ubersuggest Chrome Extension to boost your SEO traffic.

Once you find some sites that are generating more SEO traffic than you, I want you to scroll down. You’ll see charts that break down how many SEO keywords the site ranks for.

The bigger the number the better. Also, look for sites that continually rank for more keywords than fewer over time.

In other words, if they continually rank for more and more keywords, they are doing something right.

Now scroll down a bit more and you’ll see Top Pages By Country and Top Keywords By Country.

I want you to click on the arrow next to the first result under Top Pages By Country.

It should look something like this:

This will give you an idea of the pages that drive the most SEO traffic to your competition.

If you click “view all” under each page, it will take you over to Ubersuggest and give you more data on the keywords that drive traffic to that content piece.

What you will want to do is create content similar to that by using the keywords that your competition is using. The key, though, is to create content that is more detailed and thorough than what your competition published.

Now that doesn’t mean you need to have a higher word count. It means you need to be more thorough. Here’s what I mean:

  • Cover every aspect of the topic – if someone reads your content and still has questions, you didn’t go deep enough.
  • Don’t create multiple pages on the same topic – it’s better to have one page that is super in-depth than it is to have multiple pages on the same topic. When you have multiple pages on the same topic it confuses Google because it makes it harder for them to figure out which one to rank.
  • Use media to explain your message – a picture is worth 1,000 words. So, use images, audio, and video to help explain your message. For example, if you had a blog post on how to tie a tie, adding images and a how-to video would be very helpful.
  • Focus on user experience – Google optimizes for users, so focus on users before you focus on Google.

Also, with that Ubersuggest report, you’ll also notice that it will show you all of the people linking to your competitor’s article.

From there, you’ll want to reach out to those sites and see if they are willing to link out to your article, which is better and more in-depth. You can use the outreach templates in this article to help you out.

Last, but not least, I want you to look at your competitor’s keywords.

Within the Ubersuggest extension, scroll to the bottom and to see the top keywords by country. Select the arrow for any country you may be targeting to see a list of keywords.

If you click “see details” under each keyword, you’ll see a detailed report about that keyword.

You’ll be able to see the search volume over the last 12 months, the mobile versus desktop search volume, the click-through rate, how competitive the keyword is to rank, and how lucrative it is as well (CPC).

You can also see any keywords that your competition ranks for.

The report above will give you more ideas of keywords you can be targeting for your website. From there you can take that list of keywords and create content around it.

So how do you find your competitors?

In case you aren’t sure who your competitors are, don’t worry.

Just go to Google and do a search for any keyword related to your industry.

You’ll see something that looks like this:

From there, go through the sites and look for anyone who is a direct competitor. What I mean by a direct competitor is someone who sells the same products or services as you.

News sites aren’t really competitors… general informational sites like Wikipedia aren’t competitors… and even sites like Amazon that sell everything aren’t really competitors.

You need to look for direct competitors, people who focus on the same products or services as you.

Conclusion

If you haven’t tried out the Ubersuggest Chrome Extension, make sure you go and do so. It gives you tons of data for free.

It will allow you to get instant information about your competition and their SEO strategy. In essence, you can analyze the data to get insights on any company in less than 60 seconds.

So, what do you think of the new Ubersuggest extension?

The post How to Spy on Your Competitor’s SEO in 60 Seconds appeared first on Neil Patel.

CoinTracker is hiring engineers to make crypto easy to use (Remote, Global)

Article URL: https://jobs.lever.co/cointracker/abb7f14c-5ad4-474a-ad5a-5356969b2121

Comments URL: https://news.ycombinator.com/item?id=24087142

Points: 1

# Comments: 0

The post CoinTracker is hiring engineers to make crypto easy to use (Remote, Global) appeared first on ROI Credit Builders.