Day: February 24, 2021

SiteGround Review

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SiteGround is one of the most popular web hosting providers out there. Over two million website users trust SiteGround for their hosting needs. 

They offer a wide range of hosting options, plans at different price points, and phenomenal customer support. Whether you’re a small blog, medium-sized business, or large online store, SiteGround has an option for you. 

In a nutshell, SiteGround is a host that your business can grow with, which is pretty darn important. 

SiteGround Compared to The Best WordPress Web Hosts

SiteGround fares exceptionally well against other products in its category. It’s without a doubt a key contender for top web hosting for WordPress services. 

But what I love most about it is that they’re both extremely scalable and dedicated to supporting your WordPress website. 

Whether you’ve got 10,000, 25,000, or 100,000 visitors, there is a plan for you. There is also room for exponential growth for websites starting out without committing to the highest available plan. 

SiteGround also supports your WordPress website with their specifically designed features (which we’ll discuss below) and their 24/7 WordPress wizard customer support team. 

But I appreciate that you may have different needs or wish to explore your hosting options a bit further before committing to one host. 

That’s why we’ve taken the time to research and test some of the top web hosts for WordPress for you. Be sure to see all of my top picks before making your decision. 

Who is SiteGround Best For?

If I were extremely broad, I would say SiteGround is excellent for just about anyone who wants to host their website on WordPress. 

But to get specific, I’d say SiteGround is best for a small website owner who has little to no experience running a website and expects their website to grow over time. With flexible plans and excellent customer support, SiteGround is great for beginners and scaling over time.

SiteGround: The Pros and Cons

The Pros

Top-Notch Customer Support: Ever had seemingly unresolvable issues with technology and tried everything under the sun to fix it to no avail? Yeah, me too. 

Building a website doesn’t have to be scary or traumatic when you have SiteGround support on your side—your wish is their command. The customer support team is phenomenal. They receive almost a 100% satisfaction rating every year. 

Their 24/7 support comes via a live chat channel, phone support, and a helpdesk ticketing system. Even the most complex issues are resolved in an average time of 15 minutes, meaning you can get back to business asap. 

These things are super important for a beginning website owner to combat the inevitable challenges they face.

WordPress Recommended: SiteGround hosts over 80% of the two million domains on WordPress. With this in mind, it’s no surprise that they are experts at managing WordPress. 

Many of the support team are highly trained in WordPress and will happily assist you with WordPress related troubleshooting, compared to other hosts, who will simply tell you it’s not their issue (which truthfully, it isn’t). 

This is also why SiteGround has developed and implemented WordPress-specific features, such as the SG Optimizer, WP Auto Update, and Supercacher, in their plans. I’ve not come across another host that can boast such features, so SiteGround stands out in this area.

Low Introductory Price & Money-Back Guarantee: With a monthly hosting solution starting as low as $6.99 per month, SiteGround is a perfect option for even the most beginner website creators. 

Furthermore, the lead-in hosting plan includes all of the key features a new website owner would want in a plan, rather than having the absolute bare-bones to get the user to commit to a higher plan immediately. 

If something goes wrong, or your website doesn’t function the way you expect it to, you can get a full refund of your hosting fees within 30 days of signup.

Excellent Uptime & Site Speed: Uptime and site speed go hand-in-hand. Uptime refers to the amount of time the server stays up and running, while site speed refers to how quickly your website loads. 

You can see below that SiteGround’s average uptime over 12 months is 99.98%, with only 73 minutes of total downtime over the whole year. Reliable uptime means your website is virtually guaranteed to be running around the clock, keeping visitors happy.

Have you ever heard the notion that if your page doesn’t load within three seconds tops, you’ll lose the visitor’s interest? 

You won’t have to worry about that with SiteGround. They claim that they load your website four times faster than other hosts, so you won’t have to worry about visitors losing interest while waiting for your graphics to load. 

And, as you’ll see here, their slowest load time between 2019 to 2020 was 693 ms. 

Free Website Transfer: Many people are worried about making the switch to a new host. After all, it’s a scary process. What if you lose your entire website or cause irreparable damage? 

With SiteGround, you don’t need to worry. They’ll do it for you.

Most hosts will just move the files over. But SiteGround will also make the necessary tweaks to ensure everything is working smoothly for you after the transition. 

No blood, sweat, tears, or big bucks required in switching to a new host. SiteGround includes the WordPress migrator plugin in their plans, though if you prefer a professional to do it, it will cost you only $30 per website. 

Free Daily Back-Up: Most hosts will only back your website up every other day or even once a week. So, if anything happens to your website that you can’t fix, you might be forced to go back an entire week, meaning you’ll lose everything you’ve done in the meantime. 

But, with SiteGround, the worst-case scenario is that you’ll only lose the changes you’d made in the 24 hours since the last back-up. If that’s not peace of mind for someone making constant changes to their website, I don’t know what is! 

Great for Scalability: When you’re just starting out in business, there is no way but up, right? With SiteGround’s flexible range of plans, you don’t have to worry about outgrowing your host. Simply upgrade your plan as your business grows.  

The Cons

Renewal Price: As dreamy as the promotional rates of SiteGround’s hosting plans are, once the honeymoon is over, it’s truly over. 

When you renew, your rates will jump up quite high. The cost of your plan will essentially triple across the board once your promotional period is over. Ouch.

The best way to combat this is to sign up for the longest term available on the promotional period, which is either 24 or 36 months before you face the higher renewal rates.

No Monthly Billing Cycle: The higher renewal rates might be easier to cop if you could pay month-to-month. But unfortunately, monthly billing is not something that SiteGround offers. 

Personally, this is not a deal-breaker for me, but I can certainly appreciate how it may be restrictive and frustrating for some.

Storage Limitations: The low amount of storage space available on the shared hosting plans is unlikely to bother most of you reading this post. However, if your site does grow beyond 40 GB, you’ll have no choice but to switch to the more expensive cloud hosting plans. 

The StartUp plan includes just 10,000 site visitors, so if your website traffic grows exponentially too quickly off the bat, you may find yourself needing to upgrade your plan sooner than you think. 

SiteGround Pricing

SiteGround offers three tiers for their hosting options:

  • StartUp
  • GrowBig
  • GoGeek

These tiers’ pricing remains the same across the board for web hosting, WordPress hosting, and WooCommerce hosting. Cloud hosting has its own levels and pricing, which we’ll discuss. 

StartUp 

As the name suggests, this plan is perfect for those new to business or looking for smaller websites. The StartUp plan allows you one website, 10 GB of space, and up to 10,000 monthly visitors. Pricing starts at $6.99 per month on the introductory offer. 

Some other features included in this plan are:

  • Free WordPress Installation
  • Free SSL
  • Daily Backup
  • Free Cloudflare CDN
  • Free Email 

Overall, it’s a great plan for those who are just getting started. The only thing to be wary of is outgrowing your monthly visitors limit. If you think you’re going to scale quickly, it would be worth starting straight off with the GrowBig plan.

GrowBig  

The GrowBig plan is perfect for medium-sized businesses or those who know they will be managing more than one website. You’ll have access to unlimited websites, 20 GB of web space, and up to 25,000 monthly visitors. Pricing starts at $9.99 per month on the introductory offer. 

Aside from the features included in the StartUp plan, this plan also includes:

  • On-demand Backup copies
  • Speed-boosting Caching 
  • Staging environment 
  • Add collaborators to your site

It’s easy to understand why GrowBig is SiteGround’s best-selling plan. It includes a range of great features that are easy to use and will fit the brief most in need of a website out there that expects a steady traffic flow. 

GoGeek

The GoGeek is the most extensive shared hosting plan SiteGround has to offer. As the name suggests, it’s designed for ‘technology geeks’ who want lots of control over their website. 

The GoGeek plan will give you unlimited websites, 40 GB of web space, and up to 100,000 monthly visits. Needless to say, it’s truly designed for large businesses with a high volume of traffic. Pricing starts at $14.99 per month on the introductory offer. 

The GoGeek plan includes all the features mentioned above, as well as: 

  • Register your clients with white-label access to Site Tools
  • Use more server resources for higher process execution time
  • Ultrafast PHP for faster page loads
  • Priority support from SiteGround’s most experienced customer support agents

In a nutshell, this plan is for those of you who know what you’re doing with websites. If you don’t understand some of the plan’s technological features, it may not be the best plan for you. Unless, of course, you have a specialist on your team to manage your website and need access to high volume traffic capabilities. 

Cloud Hosting

We’ll touch on the cloud hosting product offerings shortly, but in terms of pricing, there are four plans for SiteGround’s cloud hosting: Entry, Business, Business Plus, and Super Power. 

As you can see in the screenshot below, the pricing ranges from $110 to $410 per month. The major difference in the plans is CPU cores, memory, and SSD space. 

Due to the easy scalability of the cloud hosting options (which you’ll learn about shortly), you can confidently start with the Entry plan if it’s your first time using cloud hosting. 

SiteGround Offerings

SiteGround Web Hosting

SiteGround offers fast and secure web hosting for websites of any kind. Their general web hosting product is optimized for a range of Content Management Systems (CMS) such as WordPress, Drupal, Joomla, and more. 

You’ll be able to build and launch your website quickly and easily with their full website solution, including your choice of site builder: WordPress or Weebly. If you’re an online store, you’ll be able to install the shopping cart of your choice for free. 

Domain registration is easy and affordable with SiteGround, so you’ll be able to enjoy the convenience of managing both your domain and your site in one place. 

You’ll also have access to an unlimited number of email accounts when you create your domain, which is perfect for managing different areas of your business. 

SiteGround WordPress Hosting

SiteGround is one of the few web hosting companies that offer hosting options specifically for WordPress. As mentioned previously, they are even highly recommended directly by WordPress. 

With SiteGround, you won’t need to download and install WordPress manually. Instead, you’ll be able to automate the process with a simple click of a button using the WordPress Launch feature. 

Upon login to your new website, you’ll be prompted to set your site up simply and easily with SiteGround’s WordPress Starter kit. The whole process takes minutes from start to finish, even for a beginner!

One of the most popular features of SiteGround’s WordPress hosting is the free SiteGround Migrator plugin. This feature is perfect for users who may hold their website with another host and wish to transfer over to SiteGround. 

Better yet, if you’re not confident in your abilities to navigate the migrator plugin, you can have a WordPress whiz from SiteGround do it for you for an additional fee. 

SiteGround WooCommerce Hosting

SiteGround also offers hosting options for users looking to build a powerful online shop using WooCommerce. This plan comes with WooCommerce pre-installed, saving you time and hassle, allowing you to straightaway focus on uploading products to your online store. 

With WooCommerce, you can sell any type of product or service online. SiteGround will support your ecommerce growth by keeping your website safe with a unique AI anti-bot system, free pre-installed SSL, and custom Web Application Firewall (WAF).

If you choose the WooCommerce GrowBig or GoGeek plan, SiteGround will also include a convenient staging tool. You’ll be able to develop your store safely, testing changes and updates made on the staging copy before going live. 

SiteGround Cloud Hosting

Cloud hosting is a relatively new way to host websites. It’s an ideal solution for businesses and websites of medium to larger sizes, who have the capacity to grow very quickly. If you are starting to outgrow your shared hosting plan, cloud hosting is the next step. 

SiteGround’s cloud hosting will provide you with guaranteed resources with your very own RAM and CPU. You can also upgrade the RAM, CPU, and disk space of your cloud plan at any time. Better yet, there is no downtime with this process—the resources are added immediately. 

If you want to automate the scaling process, you can do that, too! SiteGround’s unique auto-scale option will adjust your CPU and RAM to meet the needs of unexpected traffic surges, preventing any slowness or downtime. 

The best part is that the scalable amount is pre-determined by you, so you’ll still have control over the scale’s parameters. 

Finally, cloud hosting with SiteGround will also include a free dedicated IP. This feature will give you peace of mind that your website is safe from IP blacklist due to other webmasters’ actions.

The Best WordPress Web Hosting Service

Not sold that SiteGround is the perfect match for you? Or maybe you simply want to know what else is out there, so you can ensure you’ve chosen the best of the best. I get it. 

That’s why we’ve written a whole post about the Best WordPress Web Hosting Services out there. Here are the contenders I’ve reviewed:

1. Bluehost — Best WordPress Hosting For New Websites
2. DreamHost — Most Versatile WordPress Hosting Plans
3. Nexcess — The Best For Customized Managed Hosting Solutions
4. SiteGround — The Best For Scalable Traffic
5. WP Engine — Best Managed WordPress Hosting
6. A2 Hosting — The Best For Site Migrations
7. IONOS by 1&1 — The Best For Pro Users

The bottom line: Would I recommend SiteGround for your web hosting needs? Absolutely.

They have a range of plans to suit any business and budget, and they compete well with their competitors in terms of features. They excel in site speed time and offer phenomenal customer service. With all this in mind, they are a sound choice. 

The post SiteGround Review appeared first on Neil Patel.

15 Examples of Successful Banner Advertising

967225_15ExamplesofSuccessfulBannerAdvertising_021621

Banner advertising is everywhere. So prolific on so many pages of the internet you probably visit regularly, you may hardly notice them. 

Which is kind of the point. 

Banner ads are a type of paid ad designed to sit seamlessly on the top, sides, or bottom of a website. In many cases, they fit so well they look right at home. Of course, their actual purpose is to drive you to click. 

Let’s cover what banner advertising is, how to create them, and then explore examples of successful banner ads. 

What Is Banner Advertising?

Banner advertising consists of placing a designed ad on another website. As the name implies, the ad is a banner shape, a long rectangle, either horizontal or vertical. Banner ads are usually at the top or bottom of a website or vertically along the side of a website, next to the main content. 

Banner ads have been around since the dawn of the internet, allowing website owners to sell ad space, much like a billboard or bulletin board owner would. 

While some website owners sell ads directly, most contract with advertising services, like Google AdSense, that create the ads, decide how much to charge, and then display them on your website. 

What Makes an Advertising Banner Successful?

Before digging into creating a successful banner ad, we need to talk about what banner ads do.   There are two primary goals for banner advertising: impressions and clicks. 

Impressions refer to how many people actually see your banner. While these people may not actually click over to your website, impressions help increase brand awareness. 

With click-throughs, your goal is to get people to click through to your website or to a landing page. You may generate leads, capture email sign-ups, make sales, or other specific engagement goals. In this case, you will be tracking how many clicks you get on your ads. 

You might also be thinking about retargeting. Retargeting helps you target someone who already visited your website or engaged with you in some way. You can think about these people as a sort of warm lead. 

They interacted with your brand at some point, and this is your chance to draw them back in. For this purpose, you’ll be interested in both impressions and clicks, as you make people more aware of your brand and entice them back to your website. 

What Elements Help Increase Impressions or Clicks? 

The best banner advertising is the one that draws attention to itself. 

Keep in mind the person visiting the website came for a specific reason. Maybe they are scrolling through their favorite news site or looking up a new recipe. 

Whatever their purpose, your goal is to capture their attention and draw them away.

That’s a tall order. Here are a few elements that can help you get there faster. 

Visual Elements That Fit in, but Stand Out

When it comes to the colors and visuals you choose for your banner ad, think about the modern styles of the websites your ad may be on. While you can’t match everyone, you can use design styles that will fit in well with modern websites and will feel at home. 

Lean toward the eye-catching and bold. You want to be attractive but not overt. 

Bold Text, but Not Too Much

This is your time to make a statement, not write a novel. Don’t try to tell viewers everything there is to know about your brand. 

Instead, choose one item or concept you are selling and focus on that message. Get creative, but keep it simple. 

Relevant Images

Images are a great way to draw people in, but they need to be very related to the message you’re sharing. If you’re selling a product, the clearest picture of that product is your best bet. If you’re conveying a message or emotion, people or animals or even landscapes can be evocative, but just as with the text, keep it simple and clear. 

Strong Call to Action

What do you want them to do next? Use the call to action to tell them. The shorter, the better. Make it obvious how they can learn more or take the next step. Words like “Shop,” “Buy,” or “Find out how” let people know exactly where they’re going if they click on your ad. 

How to Create Banner Ads

To create a banner ad, you first need to choose a display network, such as Google Ads. You’ll work with them to create your ad, with the relevant link, and choose parameters, such as how much you want to pay per click, etc. 

They will distribute to relevant websites, and you will pay them. They will also share data on how well your ad is performing. Learn more about Google Display Ads here. 

To create the image for your ads, you’ll need to find out the size dimensions from the display network you are working with. Then you can either design on your own or use a template, such as those provided by Canva. 

Upload your image into your campaign within your display network, and be on your way. 

Real-Life Examples of Successful Banner Advertising

Want to see what others are doing before you start designing your own? Here are 15 real-world examples of banner advertising. 

Let’s talk about what makes them work and how you can emulate some of these elements in your own advertising banners.  

Ashley Homestore Successful Banner Ad

ashley successful banner advertising

They have a clear message here. You can trust their products to be stylish and affordable and make your living space feel like home, they argue. With an evocative image and a clear call to action, you know exactly what to do next if you want that experience. 

Also, the neutral color palette makes it ideal for a range of website placements. 

Nutrisystem Successful Banner Ad

nutrisystem successful banner advertising

Nutrisystem is betting on the idea that you’ll find that price point alluring. They’ve made it really bold so that even when your eyes are looking at something else on the page, you can’t miss the “$249” message. 

The other really bold items are the yellow jacket on the smiling woman and the orange “Shop Sale” button, which implies you’ve got a limited time to act. 

Visible Successful Banner Ad

There is a bit too much text on this ad, but the bold text grabs you with a big promise. The bright blue background and white text makes it stand out on the page. The “Learn more” button is clear and enticing.  

Chicwish Successful Banner Ad

Banner Advertising - Chicwish Successful Banner Ad

This looks like two ads in one, giving viewers two chances to click and learn more. On the left, Chicwish showcases some of their popular items and some selling features, such as free shipping and easy returns. 

On the right, there’s a precise text message about how you really only need a few items to have an ample wardrobe. Either way, you’re encouraged to click and start shopping. 

Outskirts Successful Banner Ad

Banner Advertising - Outskirts Successful Banner Ad

The neutral color palette makes this ad at home on a range of websites. They used the two font colors to highlight what they are really about—making books. On the other side of the ad, Outskirts highlights what makes them stand out from their competitors. The call to action is clear, but creative. 

Square Successful Banner Ad

Banner Advertising - Square Successful Banner Ad

True to their own branding, this banner ad from Square is simple and almost monochromatic. The text is clear, with a blue call to action that really stands out. 

The picture showcases their product in a real-life environment. While the product is the primary object, there are other items in the photo that draw your eyes in. 

discovery+ Successful Banner Ad

discovery successful banner advertising

With this discovery+ banner ad, the offer is clear. The message is simple and creative, encouraging people to give a subscription instead of buying one for themselves. The ad stands out with a bright, on-theme color palette. 

IT Cosmetics Successful Banner Ad

it successful banner advertising

In this IT Cosmetics banner ad, the product takes the spotlight. This is a prime example of staying focused on one product. The text and the photo highlight the selling points, while the call to action invites the viewer to learn more about it.

Nike Successful Banner Ad

nike successful Banner Ad

Here’s another example of a banner ad that focuses on a single product to entice viewers. Without a lot of background visuals, the shoe takes all attention. As you’re scrolling through, you can quickly see the details. The text makes an enticing claim, to learn more about these new shoes. The call to action is simple and clear.

AARP Successful Banner Ad

aarp successful Banner Ad

This AARP banner advertising is a GIF, flashing through several program benefits. The bright red color reflects their brand and stands out on many websites. The evocative photo remains the same, and the call to action at the end is paired with a compelling discount. 

Pottery Barn Kids Successful Banner Ad

Pottery Barn Kids Successful Banner Ad

Here’s another example of GIF banner advertising. This Pottery Barn Kids ad keeps the branding and message the same while switching between two photos. The photos showcase several products in this category.

By focusing on the partnership between two brands, it keeps both brands clear, with an obvious call to action right in the middle. 

American Eagle Successful Banner Ad

AE successful banner advertising example

This American Eagle banner ad is all about keeping it simple. With very little text, only the brand name and a short call to action, all the focus is on the models and the clothes. It also keeps the color palette united by using similar tones for the clothing and landscape. 

The Ridge Successful Banner Ad

ridge successful banner advertising example

This banner advertising does more than just show off the product. It also attracts attention with a side-by-side of the competition. The copy explains what makes this wallet different and then provides a simple call to action. The colors are neutral, making it at-home almost anywhere.

Planet Fitness Successful Banner Ad

planet fitness successful banner advertising example

The bright purple and yellow colors make this ad from Planet Fitness hard to miss. The text is bold with big promises of sales prices and benefits of membership. The call to action is clear on the bottom, and even the branded image on the top has an active tone. 

VRBO Successful Banner Ad

vrbo successful banner advertising example

This banner advertising started with several pictures then landed on this image, which persisted until the viewer scrolled away. The light text on a dark background made the whole image stand out on the website, and the text pops. The creative call to action is enticing. 

Conclusion

Growing your brand is no easy task. As you consider different marketing strategies, don’t forget tried and true options like banner advertising. 

Get creative and focus on what your target market is looking for, their pain points, and make sure to keep your message clear. 

These strategies will help you overcome banner blindness, which can occur when internet users see too much of the same visual noise again and again. Keep it fresh and keep them clicking. 

What kinds of successful banner advertising have you seen out there?

The post 15 Examples of Successful Banner Advertising appeared first on Neil Patel.

Safeguard Your Business Credit Cards from Unauthorized Charges

Shield Your Business Credit Cards from Unauthorized Charges

Among the lots of factors for acquiring a service charge card is that you desire the assured credit line on standby to assist you preserve the capital of your service. Birthing that in mind, it would certainly be sensible of you to take procedures that will certainly safeguard your service charge card from underhanded individuals; or else, that credit line can obtain mistreated. You need to make sure that your organization charge card or the matching company bank card number does not fall under the property of those that will certainly utilize it, without caring one speck for the monetary repercussions to your organization.

It is not that hard to make sure that your organization bank card is secured from unapproved fees. Some basic manner ins which you can set about safeguarding your company charge card– and also by organization your service– are listed here:

When making on-line acquisitions with your service debt cards, purchase from just those sites with specific assurances regarding their safety, those that are run by respectable organizations, as well as those whose safety cases are proven. Look for the little lock on your computer system display when you desire to make an on-line purchase with your service credit history card as well as make certain that the website is https!

If you do not have accountancy employees to maintain track of your service credit report card investing, you need to carefully examine your service credit rating card costs every month prior to paying them. By doing this, you notify the service credit report card provider that can after that map the deal and also assistance figure out if a mistake happened in going into the purchase or if unapproved fees have actually been uploaded to your company credit rating card.

· When taking out cash from ATMs, safeguard your service credit history cards and also PIN numbers. If your organization is in immediate requirement of cash money and also you utilize your company credit score card for money developments, be mindful of the individuals right away around you.

It holds true that the majority of company charge card firms and also financial institutions supply unapproved costs defense, yet keep in mind that the means you utilize your organization charge card is your main duty. Your service and also your individual credit rating scores are essential, so guard you company bank card as if it were a pocketbook filled with cash money. You might intend to call your service bank card provider and also inquire about just how you can safeguard your card as well as the approaches of dealing with problems concerning unapproved costs on your company bank card.

You must make sure that your service credit scores card or the matching company credit rating card number does not drop right into the belongings of those that will certainly utilize it, without caring one trace for the economic repercussions to your company.

By doing this, you signal the service debt card provider that can after that map the purchase and also aid figure out if a mistake happened in getting in the purchase or if unapproved fees have actually been published to your company credit score card.

It is real that a lot of company credit history card firms and also financial institutions supply unapproved fees security, however bear in mind that the method you utilize your service credit history card is your key duty. You might desire to call your company credit score card provider and also ask regarding exactly how you can safeguard your card as well as the approaches of fixing problems relating to unapproved fees on your service credit scores cards.

New comment by _signet_ in "Ask HN: Who is hiring? (February 2021)"

Signet | Front End Architect | Cleveland/Dallas | Full-time | 100-140K USD (Based on experience)

We are the world’s largest retailer of diamond jewelry and the world’s largest specialty jewelry retailer, with #1 market share in the U.S., UK and Canada. Signet operates approximately 3,200 stores globally, under the brand names Kay Jewelers, Zales, Jared, H.Samuel, Ernest Jones, Peoples Jewellers, Piercing Pagoda and JamesAllen.com.

Some Requirements

– Strong skills in JavaScript, HTML5, CSS3, TypeScript, SASS/LESS.

– Expert in Angular 8+.

– Experience in React, Redux, Node.js, Mobile
Development.

– Client security and best practices.

– RESTful web services.

– Design patterns (MVC/MVVC).

– SQL Experience.

– PWA/SPA Experience.

– Hybris Experience.

Benefits & Perks

– Competitive healthcare, dental & vision insurance

– 401(k) matching after one year of employment

– Generous PTO + company holidays

– Diversity programs

– Paid subscription to PlateJoy

——————————–

Apply Now:
https://signetjewelers.wd1.myworkdayjobs.com/en-US/signetjew…

New comment by mpcadosch in ""

Matterworks | Full-Stack Software Engineer | Boston, MA | Full-time | matterworksbio.com

Matterworks is building next-generation of tools for the biotechnology stack. Our mission is to create technology to interrogate metabolic processes in biological systems at unprecedented speed and breadth.

Apply if you want to join an early-stage, multidisciplinary team of scientists and engineers creating technologies that will accelerate the rate of scientific progress.

More information and application here:
https://www.matterworksbio.com/full-stack-software-engineer

The 6-Step Guide to Creating a Content Cluster that Ranks

The past few years have witnessed an increase in the evolution of Search Engine Optimization (SEO) content marketing. Such a positive change gives you an edge over other professional SEOs out there.  With the exponential increase in competition for high ranking on Google, a number of people are coming up with great content. However, they …

The post The 6-Step Guide to Creating a Content Cluster that Ranks first appeared on Online Web Store Site.

The post The 6-Step Guide to Creating a Content Cluster that Ranks appeared first on ROI Credit Builders.

Iron Ox (YC W16) is hiring SWEs to build the next generation of farming

Article URL: https://jobs.lever.co/ironox

Comments URL: https://news.ycombinator.com/item?id=26240630

Points: 1

# Comments: 0

Streak (YC S11) hiring to build spreadsheets in email (remote/react/TypeScript)

Article URL: https://www.streak.com/careers/product-engineer

Comments URL: https://news.ycombinator.com/item?id=26249029

Points: 1

# Comments: 0

Understanding Experian’s Intelliscore and How An Expert Can Help

Experian’s Intelliscore can make or break your ability to get many types of business funding. If it’s bad, you need to fix it. That’s easier said than done however. 

Your Intellliscore is Important, but You Can Still Get Funding If It’s Bad

There are ways to improve your Intelliscore and get funding while you do so, but you need help.  The time is now. Delaying can only make the issue worse.  It helps to understand what your Intelliscore tells lenders about your business, and how Experian comes up with it. 

Understanding Intelliscore

The Intelliscore Plus credit score is a statistically based credit-risk analysis. It helps businesses, investors and possible future lenders make smart choices about who they should do business with.

It runs from 1 to 100, and can deliver insight on how much of a risk a business or business owner may be.

The higher your score, the lower your risk class. The chart below summarizes each Intelliscore Plus credit score range and its associated meaning.

 

Score Range Risk Class Risk Description
76– 100 1 Low
51– 75 2 Low to Medium
26– 50 3 Medium
11– 25 4 High to Medium
1– 10 5 High

 

Although there are more than 800 commercial and owner variables used to ascertain the score, the variables can be split into these pivotal factors:

Monetary

This specific factor focuses on how you use credit. For example, how much of your available credit is currently being used? Are you usines a lot of your credit and not repaying? Responsible credit use is a huge factor. 

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Payment History

The bureaus call it recency. However, it’s just your current payment status. It’s basically how often any of your accounts become delinquent, the percent of accounts which are currently delinquent, and your overall trade balance.  

Intelliscore Plus is considered to be one of the more reliable tools for determining creditworthiness. One of the ways it maintains this reputation is by identifying the key factors that indicate whether or not a business is likely to pay their debt.

Frequency

Somewhat closely related to payment history, frequency takes into account how often your accounts have been sent to collections, the amount of liens and judgments you may have, and any bankruptcies connected to your business or personal accounts.

On top of that, frequency can also incorporate details pertaining to your payment patterns. Were you regularly slow or late with payment? Did you start off paying bills late, but overtime, reduced this behavior? These things will all be taken into consideration.

If you haven’t started or don’t have a long history of business based transactions, how will Experian rate you?

This is addressed by using a blended model to identify your score. This means that they take your personal consumer credit score into account when calculating your business’s credit score.

What if You Have a Bad Intelliscore? 

If it’s bad, you have to fix it. It’s that simple.  However, it’s not as simple as it sounds.  In fact, you may not be able to do it on your own.  The best and fastest way to fix the issue is to start paying your obligations on time.  

Of course that sounds simple.  However, there is likely a reason you fell behind in the first place.  The fact is, you need business funding to pay your bills and raise your score.  But, how do you get funding without a good score?  There is no one size fits all solution, but there are some things you can do. 

Talk to a Business Credit Expert

If you are struggling with a bad score, you are going to need help.  Not only help with rebuilding your score, but help with funding and fundability as a whole.  Many business owners do not realize that business credit scores, like Intelliscore, are not the only thing lenders consider when it comes to business funding.  There are a number of factors that must be taken into account, but the business credit scores, including Experian’s business credit score,  are a big piece of the puzzle. 

A business credit expert will help in more ways than one.  First, they can help you find the best funding to fit your needs right now, that you can get even with a bad business credit score. Then, they can help you rebuild your business credit and evaluate your fundability overall, showing you how to make adjustments where necessary.  

What Business Options Exist with Bad Credit? 

Now is the time to talk to an expert, before your Intelliscore and other business credit scores get any worse. A business credit expert will likely suggest one of the following options to catch up on debt and start rebuilding your credit. 
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Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Credit Line Hybrid

A credit line hybrid is unsecured business financing.  It allows you to fund your business without putting up collateral, and you only pay back what you use.  

Your personal credit score should be at least 680.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Furthermore, in the past 6 months you should have less than 4 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards.  

 Now, here’s the catch that helps a lot of business owners out.  If you do not meet all of the requirements, you can take on a credit partner that meets each of these requirements.  Many business owners work with a friend or relative to fund their business.  If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding. 

The best part of this type of funding is that it reports to your business credit report, regardless of whether you use your personal credit to apply or that of a credit partner. That means, you get your funding and build your business credit at the same time.

If this still isn’t enough funding, or it won’t work for you, you  may qualify for other options.

Account Receivable Financing

To get this type of funding, you have to have open receivables from another business or government agency, not individuals.  In addition, you need to have been in business for at least one year. The minimum credit score is just 500.

You can get up to 80% of receivables advanced in as little as 24 hours.

Merchant Cash Advance

If you accept credit cards as payment, you may qualify for a merchant cash advance.  You only need a credit score of at least 500.  To qualify, your business must bring in $100,000 or more per year in credit card sales.  Typical approval amounts equal one months’ credit processing volume.  In addition to the application, you’ll need 3-6 months bank and merchant statements. 

Equipment Financing

If you need equipment, it might be better to consider equipment financing.  You will put up your existing equipment or the new equipment you want to purchase as collateral.  Amounts are available up to $10 million with terms ranging up to 60 months. You will  need a credit score of at least 550. 

Real Estate Financing

You can get real estate financing in amounts up to $10 million with terms from 6 to 60 months and interest rates as low as 6%.  You will need a 500 minimum credit score, and there are a few other requirements. 
Intelliscore Credit Suite

Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.

Business Revenue Lending

Another option is business revenue lending.  Again, the minimum credit score is 500.  Your business must earn annual revenue of $120,000 or more, and it must do more than 5 small transactions each month.  If your business brings in at least $15,000 monthly, then 6 months in business is acceptable.  You will have to fill out an application and provide 6 months worth of bank statements. 

Intelliscore, Business Funding, and Help for the Future

If your Intellicore is bad, you need help now.  It will soon become impossible, if it isn’t already, to get the funding you need to run your business.  An expert can help you come up with a plan to get your credit back on track, help you figure out what other issues you may have with fundability, and help you find funding you qualify for now to help you out in the meantime. 

 

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