Article URL: https://mux.com/jobs?hnj=real-time-video
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Article URL: https://mux.com/jobs?hnj=real-time-video
Comments URL: https://news.ycombinator.com/item?id=28609862
Points: 1
# Comments: 0
Article URL: https://www.ycombinator.com/companies/taloflow/jobs/kG3E8h1-contract-front-end-developer-for-2-4-week-project
Comments URL: https://news.ycombinator.com/item?id=28613759
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Police officers in Omaha, Nebraska, have found a unique way to protect and serve their communities through involvement in a Kids and Cops program, a charity aimed at helping children facing serious medical conditions and their families worried about their health and looming medical expenses.
The NFL season is just two weeks old, and the MVP race is getting more neck-and-neck.
Are you looking for startup money for business? Starting a business can be an exhilarating experience. That is, except for the part about needing money. But your startup won’t survive for long without cash. If you’re not independently wealthy and can bootstrap your dream, what do you do?
The answer: think like a lender.
It may seem simplistic, but lenders just want two things: to make money off the loans they offer and be paid back by their borrowers. The first one is a result of their choices of loans to offer and terms. The second is in your hands.
This is why lenders look at one of three things for loan approval: cashflow, collateral, or credit. The more of these “Cs” you have, the more funding options are available. For all the funding we cover in today’s post, we show you exactly what you need to have for approval.
But keep in mind, startups have it rough.
With very little time in business, they can’t prove that they’re getting steady cashflow. They just plain don’t have a big enough sample size. A short time in business is also seen as less stable, because about 1/5 of all new businesses fail in the first two years. So the first “C” is out.
But that’s okay. Because you’ve got access to two more.
Demolish your funding problems with 27 killer ways to get cash for your business.
Collateral is a great way to assure a lender that you’ll pay them back. And while your business might not have too much collateral yet, you probably have something you can pledge. It’s time to think outside the box.
This is not a loan. And you will not have to pay an early withdrawal fee or a tax penalty. You put the money back by contributing, like with any 401(k) program. This means you won’t lose your retirement funds. This is a 401(k) Rollover for Working Capital program. The IRS calls it a Rollover for Business Startups (ROBS).
According to the IRS, a ROBS qualified plan is a separate entity with its own set of requirements. The plan, through its company stock investments, owns the trade or business. That is, not the individual. Hence, some filing exceptions for individuals may not apply to such a plan. This type of financing isn’t a loan against, your 401(k), so there’s no interest to pay. It does not use the 401(k) or stocks as collateral. Instead, this is no more than a movement or change of custodian.
Low rates, often less than 5%. Your 401(k) must have more than $35,000 in it. You can usually get up to 100% of what’s “rollable” within your 401(k). The lender will want to see a copy of your two most recent 401(k) statements.
You can get 401(k) financing even with severely challenged personal credit. The 401(k) you use cannot be from a business where you are currently working. So it must be from older employment. You cannot be currently contributing to it.
Don’t have a 401(k) that would work? Then try IRA financing. It’s a lot like 401(k) financing. In as little as 3 weeks you can invest a part of your retirement funds into your business. This gives you more control over the performance of your retirement plan assets. And it gives you the working capital you need for business growth.
In general, you will work with a CPA. They will help you roll over a non-contributing and qualifying account. This allows for cash out of half, or $50,000, whichever is lower. If applicable, a CPA you work with will structure a self-directing IRA for the remaining funds.
Do you own stocks? Some lenders will make loans using securities as collateral. Securities-based lending provides ready access to capital. You can use this capital for almost any purpose, such as buying real estate or investing in a business. The only restrictions to this kind of lending are other securities-based transactions. For example, like buying shares or repaying a margin loan..
You continue to earn interest on stocks you pledge as collateral. Closing and funding takes less than 3 weeks. Rates can be as low as 1.6%. But you will have challenged personal credit.
Demolish your funding problems with 27 killer ways to get cash for your business.
Bonds will work just as well as stocks. Securities-based lending for bonds comes from large financial institutions and private banks. People tend to seek out these kinds of loans, if they want to make a large business acquisition. Another reason is if they want to execute large transactions like real estate purchases.
Lenders determine the value of the loan from an assessment of the borrower’s investment portfolio. In some cases, the issuer of the loan may determine eligibility based on the underlying asset. It can end up approving a loan based on a portfolio of US Treasury notes rather than stocks.
Most investment-grade corporate, treasury, municipal, and government agency bonds are good to use. You keep all the interest and appreciation from your securities. To qualify all the lender will want is a copy of your two most recent securities statements. If your stocks or bonds have a value over $25,000, you can get approval, even with severely challenged personal credit.
If you’ve got good personal credit, we can tie a direct line from it to good business credit. The good FICO score doesn’t have to be yours; it can be a credit partner’s.
A credit line hybrid is a form of unsecured funding. Our credit line hybrid has an even better interest rate than a secured loan. Get some of the highest loan amounts and credit lines for businesses. You can get 0% business credit cards with stated income. Many of these report to business CRAs. You can build business credit at the same time. This will get you access to even more cash!
You need a good credit score or a guarantor with good credit to get an approval (a FICO score of at least 680). No financials are necessary. You can often get a loan of up to $150,000. Some cards may report on your personal credit.
Demolish your funding problems with 27 killer ways to get cash for your business.
And keep in mind: our Credit Line Hybrid isn’t the only way to build business credit. Business credit is an asset, and lenders like to see that yours is good. But you’ve got to work at it.
Start with vendor accounts. Starting with vendor credit accounts is a proven way to start building business credit. But we don’t include vendors just because they report to the business credit reporting agencies. We include them and we talk about them because they have quality products that you can use, and fantastic customer service. They are more than a means to an end!
Starter vendors are open to working with most businesses, even startup ventures like yours! Make sure vendors report to the CRAs – not all do. Vendors report to the business CRAs within 60 days. They help you build your business credit profile and score.
Terms will vary depending on the vendor, but they tend to be Net 30. Some will not accept virtual offices. You will often need a D-U-N-S and an EIN at the very least. But you will not need collateral, good personal credit, or cash flow.
And continuing to grow your business credit portfolio means credit cards. Add payment experiences from at least three vendors. Once they report to business CRAs like Dun & Bradstreet, you start qualifying for store credit, and fleet credit, too. While your startup grows, so will your business credit.
Startups have a few strikes against them when it comes to getting business financing. But you may have collateral right now, and can use it to get money. Good personal credit is another thing you can leverage. And it doesn’t even have to be your own good personal credit! And build business credit for the best chances for the most money. Contact us today for the details.
The post Startup Money for Business: Check Out Your Choices appeared first on Credit Suite.
Looking for a new way to research or find content ideas for your marketing content? You may have heard of Google Scholar but aren’t sure if it’s the right tool for what you need.
Google Scholar is a search engine for scholarly literature at major academic publishers and university presses that lets you find articles or citations on the topic of your choice.
Google Scholar is a great resource for finding articles on topics related to your niche and adding them to Google Scholar’s library.
Anyone can use this tool, such as marketers, academics, or anyone who wants to do research. All you need is an idea of what you’re looking for and a Google account.
Well-researched content helps build audience trust and positions you as a leader in your industry.
Creating content can be one of the most effective ways to promote your business. Not to mention, it costs 62 percent less than traditional marketing and can triple the number of leads you bring in.
In this blog post, we’ll discuss strategies for using Google Scholar to find marketing content ideas and research, plus tips to be successful.
Let’s get started!
Google Scholar ranks documents based on the number of times an article has been viewed, printed, or downloaded within a set period of time (usually around one year).
Similar to Google search results, the most popular or most used topics are shown first in Google Scholar results.
Google Scholar’s aim is to rank documents the way researchers would: based on relevance and popularity.
This ranking system also means searchers can find relevant content more quickly.
Documents are added to Google Scholar’s library when publishers submit them to the Google Scholar Metadata Program. From there, documents are indexed, ranked, and made available to searchers in search results.
There is no limit on the number of documents that can be added to Google Scholar’s library—it all depends on how many publishers are participating.
This makes it easy for marketers and researchers alike to find a wide range of relevant content ideas or research topics.
Google Scholar is beneficial to searchers because it allows marketers and researchers easy access to scholarly literature like academic journal papers. You can find content ideas on Google Scholar by searching for keywords related to your industry, brand, or topic.
No matter if you’re looking for news articles on digital marketing trends in healthcare, Google Scholar can help you get high-quality search results.
If you want to learn how to use Google Scholar successfully for your marketing research, follow the steps below.
Google Scholar’s advanced search option can help you find the most relevant research papers by year.
You can also use this feature if you’re looking for more recent content on a topic and want to avoid older articles that don’t reflect current trends in your industry.
For example, let’s say your company is interested in social media marketing best practices, but you want to keep your results modern. Google Scholar can help you narrow down research topics to a specific date range.
To narrow your search down by date, you use the “Since Year” option to show only recently published papers, sorted by relevance.
You can also use the “Sort By Date” option to show just the new additions, sorted by their publish date.
Using these features can help you find the most up-to-date resources on your topic or find out what competitors are talking about right now.
Google Scholar’s Related Articles option allows you to explore articles similar to ones you’ve already read, which can help you generate more content ideas.
To use this feature, simply click the Related Articles link at the bottom of an article on your results page.
For example, if you search “content management system” and find a great resource about WordPress, you can follow it up with related articles for WordPress, Drupal, and Joomla.
This can also be helpful if you find an article about your main keyword but want to know more about what other related keywords are being searched for most often.
For example, if you search for “content management system” in Google Scholar right now (because Google Scholar searches popularly-used terms), you get the following results:
These related articles give you a great starting point to continue your research and create stronger content topics.
Google Scholar lets you browse the top 100 publications in multiple languages, ordered by five-year h-index and h-median metrics.
This feature allows you to see which articles in a publication were cited most often and by who.
You can also click the h-index number to see the article and citation metrics. The h-index is a number that represents the highest number of papers in the publication that have been cited at least that many times.
The h-median metric is the median of the citation counts in its h-core. Articles in the top 50 percent of citations count towards this metric.
By exploring popular publications to see what topics they cover and what authors are most cited, you can find content ideas for your own blog topics.
Using the Cited By option on Google Scholar leads you to other relevant search results within the Scholar database.
Cited By shows you how many times the result has been cited by other journals.
By following these citations, you can learn more about your topic and improve the quality of your research or topics.
For example, if you want to write about the latest trends in SEO, it would be helpful to know what the most reputable sources on this topic are. If you find an article that’s been cited 500 times, you’ll know you’re reading something with merit.
Finding articles by the number of citations they have received is a great way to find high-quality content ideas.
Just be careful not to limit yourself too much, or you might miss out on some important information!
Google Scholar’s Advanced Search option lets you limit results to specific fields of study.
Fields are controlled by the Advanced Scholar Search function, which lets users input keywords, phrases, and places where they occur. You can also segment your results by authors, publishers, and dates.
This feature is great for marketers who want to focus on certain areas of their industry.
For example, someone who wants to write about the food and beverage industry would enter “food and beverage” in the keyword search box. They would also input “food industry” in the phrase search box.
This keeps their results limited to articles about food and beverage within the food industry, instead of all scholarly articles found by Google Scholar’s search engine.
Many Google Scholar articles have their keywords listed at the beginning of the result.
You can use these keywords as inspiration for content ideas. Or, if you already have a keyword in mind, you can get ideas for others from the results given. This is a great way to find related concepts to improve the quality of your article.
Not sure how to find relevant keywords for your article? Use Ubersuggest to inform your search!
The more relevant satellite keywords you add, the more likely is it that Google Scholar will return good results for your topic.
You can also use this method when writing blog posts or articles so you can quickly look up keywords and see related concepts at a glance.
Doing this research in advance allows you to produce higher-quality content with well-researched sources and information.
One strategy for using Google Scholar to find content ideas is to look at what your competitors and other industry leaders are doing.
For example, if you’re in the business of selling hats, and another company just published an article ranking high on Google Scholar about hat trends this year, that might be a good incentive to write something similar yourself.
Alternatively, you could use Google Scholar results to write about topics that are relevant to your industry.
For example, if an author or influencer in the online marketing space has recently published a book on email marketing strategy, that would be a good inspiration for potential blog post content ideas since it’s topical and directly related to your audience.
Lastly, you can use Google Scholar to find ideas for your product or service. If you’re a company that sells software, why not google scholar “software marketing tips” and see what comes up? You may find new ideas that haven’t crossed your desk before.
The last Google Scholar strategy to consider is using it to find potential customers.
If you are a company that specializes in the B2B space, you can try searching for topics relevant to your industry and see who’s writing about them. This can open your eyes to new people in the industry you might want to do business with.
You may also find relevant searches that focus on market research or lead generation strategies for companies within your niche. These could turn into potential prospects or partnerships in the future.
Even if you don’t get any new leads, you’ll still be able to gather in-depth knowledge about how other players in your industry are creating and interacting with content.
This can give you new ideas for content topics of your own.
To search on Google Scholar, simply enter your keywords in the search bar and click the magnifying glass icon.
Google Scholar makes journal articles easier to find and access than ever before. To search Google Scholar for journals, enter your keywords in the search bar followed by “journal” or “JSTOR.” For example, if I wanted to look at marketing books, I would enter: marketing + JSTOR.
Google Scholar is a great tool for research because it allows you to segment searches by time, publication, or author.
Yes, all of the information on Google Scholar is completely open access for anyone to see.
To activate Google Scholar, you need a Google account. Sign up for a Google account here.
You can use Google Scholar for marketing research, content topic creation, scholarly research, and more.
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One of the main reasons Google Scholar is so popular among marketers and researchers is because it’s easy to use. All you need is an idea, and Google Scholar will do the rest for you.
When using Google Scholar search, be sure to enter all of your known keywords, not just one or two words. For example, if you are searching “marketing articles,” Google Scholar would return everything related to marketing, including articles on marketing psychology, which may be less useful to you than the articles about online marketing content strategy.
Once you have the results you’re looking for, keep refining your search and exploring other citations or results.
Google Scholar is a great way for marketers to inform their content ideas and create innovative articles that people enjoy reading.
How have you used Google Scholar in your content marketing strategy?