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Dave Wilson and Harry Lyles Jr. preview the most interesting storylines of the week in college football, from Auburn-Penn State to Alabama-Florida.
The post Auburn's first Big Ten road game in 90 years and everything else to watch in Week 3 appeared first on Buy It At A Bargain – Deals And Reviews.
Brooklyn Nets star Kyrie Irving raised eyebrows Wednesday when he made a remark about his mask being off and encouraging others to take theirs off as well.
Veteran broadcaster Piers Morgan will join News Corp and FOX News Media in a global deal that includes content across a variety of platforms, including FOX Nation and the New York Post.
When we talk about recommended vendors for business credit, there are several questions that pop up. First, what exactly do we mean by vendors? Then, what makes some vendors recommended for business credit, and others not? After that, who are these recommended vendors and how do you find them? Let’s find out.
This is probably the best place to start. When using the term “credit from vendors,” we are talking about credit from companies that are not financial in nature, like banks and other credit unions. Rather, their focus is on retail, and they extend net terms on invoices to customers as a courtesy.
This means customers have either 30, 60, 90, or however many days the net terms state to pay in full. It’s different from a credit card because it is not revolving credit. So, when we talk about vendors, this is not a card that you apply for. This is a retail company that sells products you can use in your business, then you do not have to pay the invoice immediately.
Don’t a lot of vendors offer net terms? What makes them so special? Well, there is a small subset of vendors that we call starter vendors. Starter vendors do two things that not a lot of vendors do.
First, they will extend net terms to your business without a credit check. That’s not to say that they do not have standards. They will not give net terms to just anyone. However, they will consider other factors besides credit score. For example, they may take into consideration:
But that’s not all. Getting net terms without a credit check is great, but it does nothing to build your business credit score if the payments do not show up on your business credit report. True starter vendors will also report the payment you make to the business credit reporting agencies. Again, doesn’t sound like a big deal, right? That changes when you realize that only 7% of companies that extend credit of any type to businesses report positive payment history to business credit reports. A lot more will report negative payment history, but that does not help build a strong business credit score.
Vendors do not typically make it obvious if they report or who they report to. If you call, you may or may not get to talk to the right person to ask. You’ll likely be on hold for a long time, and once you get to someone they may or may not tell you.
One option is to just apply for vendor accounts and hope you get approval. Then monitor your business credit report to see if they are reporting. However, this trial and error method will take a lot of time and will likely cause a serious amount of frustration
It will take away from you doing what you need to be doing, which is running your business. Yet, it doesn’t have to be this way. There is a better option. A business credit specialist can help you find vendors that you qualify for, and that will report your on-time payment, not just late or missed payments.
They know who to talk to, what questions to ask, and the language to use to get the answers you need. This alone saves you a huge amount of time and frustration. You not only avoid applying for accounts that you do not yet qualify for, but you also find those accounts that will actually help you build your business credit score.
Our business credit specialists have a list of starter vendors that they already work with. This list is always changing, as vendors and lenders are always changing their policies.
Also, it takes more than 3 or 4 vendors to build a strong enough score to move on to the next level of credit. Our specialists work with many vendors that can help you get things going. Here is a sample of some recommended vendors for business credit.
One of the first vendors for business credit business owners find out about is Grainger. They sell hardware, power tools, pumps and more. They also do fleet maintenance, and they report to Dun and Bradstreet. If a business doesn’t have a credit score already,they will want to see additional documents like accounts payable, income statement, balance sheet, etc.
To qualify, you need:
Marathon Petroleum Company provides transportation fuels, asphalt, and specialty products throughout the United States. The products support commercial and industrial, as well as retail operations. They report to Experiand and Dun & Bradstreet.
To qualify, you need:
Your SSN is required for informational purposes only. You can give a $500 deposit instead of using a personal guarantee, if you have been in business less than a year.
Supply Works is a part of Home Depot. They offer facility maintenance supplies. It’s important to know that they do not accept virtual addresses, so you will need to use your home address if you do not have a brick and mortar location. They report to Experian.
To qualify, you need:
These vendors are great for getting started with building a business credit score. However, a good business credit specialist won’t stop there. They can guide you to a system that will help you through the business credit building process, from establishing your business credit profile to finding initial accounts, all the way through knowing which accounts to apply for next that you actually qualify to get.
For example, once you have your established business credit profile and have some initial accounts reporting, you may think you are done. Those reported payments start building your credit score, and all you have to do is keep paying. That’s not quite how it works.
First, there aren’t that many starter vendors out there. You are going to need credit from someone else eventually. But, applying for accounts before your business credit profile is ready for them wastes more time, more money, and causes more frustration.
For example, some retailers will extend revolving credit rather than net terms after you have 5 or more initial accounts reporting. Some need to see a longer and larger credit history. A business credit specialist can help you with a program to guide you in knowing which accounts you’re ready to apply for, and when.
Here’s the thing, it’s not all about business credit when it comes to vendors. For a well rounded credit portfolio, you are going to need to use all vendor accounts wisely. You may need credit with a vendor that does not report. But, to get approval, you’ll need to have a strong business credit profile.
You also need to use all vendor credit wisely. When you are working toward building business credit, you are limited on which vendor accounts you can get approval for. Then, you are even further limited on which vendors will help you build your business credit score.
But do not make the mistake of thinking that means you need to buy things you don’t need because these are the only vendors you can get that will help your score. Use these vendors to purchase general items all businesses need, just until you get to the point you need to be. They may or may not offer products specifically for your business type. But, they most will offer fuel, office supplies, cleaning products and more. These are things all businesses can use.
Building business credit is the goal, and starter vendors are a necessary part of that. Still, the end game is building and growing your business. A strong business credit profile is one tool to help you do that. It’s job is to help you get credit with any vendor you need, whether they report or not. We call these advanced vendors.
Consider this example. Imagine you need to buy inventory for your business. However, your cash flow isn’t yet where it needs to be. Using an inventory supplier that will extend net terms will allow you to purchase the inventory you need. You can pay the vendor after you sell the inventory. This is just one very general example, but you get the point.
Both types of vendors, reporting and non reporting, are necessary for building and running a strong business.
In fact, there are a lot of vendors out there that many do not even know offer business accounts. They can help your business grow and thrive, but you have to know they exist. This is another way a business credit expert can help you save a lot of time and frustration.
A good business credit specialist will help you access the vendors your business needs to grow. They can help you determine when you qualify for these vendors, and guide you in the right direction so that you reach the required qualifications as quickly as possible. Because when it comes to running your business and managing cash flow, there is no time to waste.
The post The Surprise that Makes Recommended Vendors for Business Credit Different appeared first on Credit Suite.
If you follow video marketing trends, you might have noticed an increase in animated videos starring anime-style avatars. This content is created by VTubers, and it’s taking content creation by storm.
Top VTubers have millions of followers and earn hundreds of thousands of dollars a month.
According to experts, the industry is on the rise. HyperSense shared that the number of total VTuber subscribers increased by 28 percent in 2019, while the total views of Vtuber content increased by 99 percent.
At first glance, this might not seem like a serious trend. However, marketers and brands like Mattel and KFC are leveraging virtual YouTubers to drive serious engagement.
What exactly are VTubers, and why should you care? Here is what you need to know to become a Vtuber or use this new trend to grow your business.
VTubers (short for virtual YouTubers) are content creators who use animated avatars and stop motion graphics in their videos, rather than their physical likeness. Like most vloggers, they talk to the camera and share their thoughts on a wide range of topics and products.
Some of the top virtual YouTubers include Kaguya Luna, Kizuna AI, The Omega Sisters, and Kiryu Coco.
The trend has exploded in popularity in recent years, with top content creators earning millions of dollars. VTuber Kiryu Coco, for example, earns approximately $134,000 per month.
VTubers use animated likenesses to share music videos, gaming tips, impressions, live streams, and even product ads. Many use manga-styled avatars, often with large eyes, small mouths, and brilliant hair colors. Despite being animated, the avatars are often strikingly life-like.
Here’s an example of one of the original VTubers, Kizuna AI.
While the personality, voice, and physical likeness vary by creator, most are high-energy, fun-loving, animated personalities.
VTubers, like other YouTubers, create a wide range of content. Some play video games, model clothing, share their thoughts on political situations, review movies, or even release their own music videos.
Many also partner with brands to promote products and services.
In 2011, Japanese YouTuber Ami Yamato created a 3D avatar to share her feelings about moving back to London after spending several years in Tokyo. Her avatar is slightly more subdued than the anime versions many VTubers use, but her avatar is influenced by Japanese culture and graphic novels.
While that first video was more of a journal entry, later videos take on a more humorous angle. For example, Ami imagines herself on a blind date with the Mandalorian in the Star Wars universe, or interviewing Godzilla.
In 2016, the Kizuna AI channel launched and has racked up more than 4 million subscribers. Unlike Ami Yamato, Kizuna AI is a fully AI, fully autonomous digital celebrity. The channel was originally managed by the company Activ8, which later built an entire company for managing the character and created several spin-off versions.
Since then, hundreds of other virtual avatars have launched channels, including more controversial YouTube celebrities, such as Pewdiepie.
The Vtuber videos might look complicated to create, but the format is becoming increasingly accessible thanks to advances in digital technology and software.
Here’s a quick rundown of the tech you’ll need to become a VTuber. You may want additional accessories, like a boom mic or phone holder, but those are not necessary.
While you can spend hundreds of dollars (or even thousands of dollars) on high-end tech, you may be able to use the camera and computer you already have.
Before dropping a lot of money on new tech, try out free avatar creation software with your current setup and see how it works. You’ll get a feel for how the software works, and you can always upgrade later.
Marketers can use VTube creators as part of their influencer marketing campaigns. Though the characters are animated, creators often have thousands or even millions of followers. Those large audiences can be used to promote music, fashion lines, movies, and even increase tourism.
For example, popular VTuber Kizuna AI partnered with Japan National Tourism Organization (JNTO) to promote a “Come to Japan” campaign aimed at attracting US tourists to Japan.
Here are a few other ways to use VTubers in marketing:
Businesses can use virtual YouTube creators in a number of ways. For example, they can create a brand avatar or partner with popular creators through influencer marketing.
It might sound weird, but it works.
In fact, one of the most popular virtual YouTubers in the world is KFC’s avatar:
In addition to marketing, businesses can use VTubers in other ways. Here are a few ideas to consider:
As a business, VTubers can help you connect with a younger audience. However, don’t think you are just limited to marketing content. Using VTuber technology can make any type of content you create more entertaining.
Considering becoming a VTuber? You might be surprised to know you don’t need much to get started creating content. Here is a step-by-step process for becoming a VTuber.
If you already have a computer or smartphone, it costs virtually nothing to become a VTuber. All you need is a computer or smartphone and avatar creation software. There are several free or freemium software options to help you get started.
Like regular YouTubers, the amount VTubers make can vary drastically. The highest-earning creators earn more than $4.8 million annually in Super Chats alone.
Some of the most popular VTubers include Kizuna AI, Yousa, Lil Miquela, KFC, AI Games, and Momo.
No. Although the vast majority use anime or anime-style characters, some like Ai Angel are more realistic. However, since most avatar creation software uses anime styles, creating other style animations may require a mocap suit and more expensive software.
No. A motion capture suit can help you create extremely high-end, realistic videos, but it’s not necessary. Most VTuber software platforms allow you to create your avatar and design movements through editing.
VTubers can earn an income by showing ads on their channel, hosting Super Chats, partnering with businesses or brands to promote their products, or selling their own products or services.
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VTubers are taking video marketing to new levels. These animated content creators are becoming celebrities in their own right, with top creators earning millions of dollars and attracting huge groups of followers.
Are they the future of video content creation? Only time will tell. However, brands and marketing professionals should consider adding VTube content to their digital marketing strategies.
Are you considering partnering with VTubers? What is holding you back?
Data is changing the way we do business. The amount of information available to us as business owners and that we should be processing and using to our advantage is staggering.
The amount of digital data, made and distributed, is 79 zettabytes. A zettabyte is one sextillion bytes. It’s a lot. By 2025, that number may skyrocket to 181 zettabytes.
We call it big data, but even small data is coming at us faster and faster.
It’s what they do with data that matters. It doesn’t mean much unless it’s leveraged.
Data can provide invaluable insights into everything from demographics to customer behavior, even future sales forecasting and more. It can be an unparalleled resource for you as you make decisions moving forward with your business.
Furthermore, data can come in real-time, allowing you to make on-the-fly decisions and pivots to respond to the market and capture live opportunities.
Again, none of this matters if your data is out of data or too hard to access. That’s where DataOps comes in.
DataOps is a relatively new term that encompasses a wide range of tools to solve the problems of what to do with data coming in and how to make it pertinent to those who need it.
When you’re working with a batch of data, there are a few things that need to happen to make it relevant:
All those things need to happen quickly. Then it needs to continue happening as more data comes in. The cycle needs to continue at speed.
DataOps are the architectures and software developed to do all of this at scale, in an agile, responsive manner.
Whether you go with a DataOps tool or build something in-house to address your needs, there are a few steps you should take to ensure smooth and effective processes.
To rely on your data and the DataOps that are delivering and activating processes, you need to know you can trust the information.
Run automated tests through the programs to look for bugs and ensure that data is coming through as you expect it to. This step is about making sure the actual tools are working properly.
In addition to automated testing, you’re going to want to conduct data monitoring. Here you will be checking in on the quality of the data being processed.
This goes back to your goals. What are you trying to measure? Use your standards for what qualifies as “good data” and check in regularly. Ensure your processes gather and analyze “good data” and not be tainted by irrelevant or inaccurate information.
These regular check-ins improve confidence in the system.
Just as in DevOps, DataOps should occur in various environments or spaces. Think of these as levels where you can experiment and test your DataOps. You’ll want environments for developing DataOps, for testing and analyzing, and for going live.
Keeping these separate gives you the freedom to develop new workflows or ideas in a staging environment before moving to a live one. This prevents your data from becoming skewed by bad development or bugs. You can work them out in an earlier environment.
This also allows your team to work concurrently in the early stages of development and idea testing through bug testing, all before you go live. Your team can also work on various ideas concurrently without crossing streams or backtracking, potentially messing up one another’s projects.
A fundamental purpose of DataOps is to stay agile. Containerizing your code keeps it streamlined and simple. Containerizing means packaging in simple, reusable bits of code so that it can be used across platforms or languages.
It also means that it can be repurposed or tweaked slightly and rerun for another project. This keeps the whole operation agile, allowing you to act quickly with updates and new launches as you continue to hone your data operations.
As you’re moving forward with DataOps, regression testing is critical. With each new update and new operation you are utilizing, you’ll want to ensure new problems aren’t introduced and old problems aren’t reintroduced. Regression testing runs a program through its spaces to ensure that it’s still working properly with the new changes. If any bugs do crop up, you can step back to the previous version, ensure that it’s running properly, and then take the update back to development before introducing it again.
As DataOps evolves, many programs and tools are being developed to support this approach to data analytics and processing. The software you pursue will depend on your goals, the amount of data you are dealing with, and other tasks or tools you need to integrate. Some of the options listed here may be bulkier than you need.
Before purchasing, read up on the features offered and how it works with tools you are already using to determine whether this is the right option for you.
You should know that while all of these promise a certain level of ease and approachability, they do start from a place of general knowledge and confidence with data software and API integration. You may want to turn to your web development team for support here. Some software developers listed here also offer in-house support and consultations that can help get your DataOps off the ground.
Fraxses promises to help brands who have access to lots of data, but need help with integrating that data in ways that actually work for them.
In a video example on their homepage, a retail brand was getting lots of great data, but didn’t have a way to access and integrate data directly from their customers that they could integrate in real-time on a single platform or dashboard.
Fraxses offers these kinds of solutions in the agile formatting required by DataOps. For example, the tool:
Fraxses describes itself as a mesh or fabric you can lay over your existing data structures and platforms to pull together and interconnect the information you need.
RightData describes DataOps as DevOps plus analytics. They offer brands DevOps level of support for their analytics and data management, with the constraints of DataOps, which includes:
RightData is a DevOps integration to support data and analytics management in your brand. Their promise is that they can keep up with the testing and monitoring part of the cycle after you’ve developed a system. This keeps your DataOps rolling forward and working seamlessly and quickly.
RightData also focuses on customer privacy and security, which is a key component to DataOps. Data breaches can cause an instant stop to your DataOps continuous processing and clog up the whole system. Maintaining security is key to moving forward in confidence.
Companies who want to learn more about working with the RightData DataOps tool can contact them directly for a demo and quote.
MLflow stands for Machine Learning flow and it is a cloud-based platform on which you can run DataOps.
It’s an open-source platform, that can work on any language or with any coding. MLflow can be used by a single user or an entire company with many users.
It was created to solve the problem of too many data analytics tools making it too hard to move through a DataOps cycle with agility and continuity. DataOps relies on seamless reproduction to move ahead in quick sprints, not marathons of time waiting for data to be crunched while it grows irrelevant.
MLflow brings a solution to the community that brands are welcome to try, develop, and work together to make better.
If you’re into this kind of tinkering, you may want to explore MLflow.
K2View brings all the DataOps solutions that a brand needs under one roof so you don’t have to think about integrating this and that or whether your DIY DataOps fabric is covering all the bases.
Its premise is simple. They promise an all-in-one DataOps solution that brings you all the benefits including:
The various integrations also ensure that anyone at your company who needs access to the data gets the interpolated and real-time information they need, from marketing to point of sales, from management to the floor.
You can contact K2View for a quote and can also check out a Proof of Concept for free for two weeks.
Tengu is another DataOps platform available to you as a brand owner. Also low or no code, Tengu promises to be an approachable, off-the-shelf option for someone looking to start working with a DataOps solution. It can be used in the cloud for remote or spread out teams or directly at a single physical location if you want something more secure.
Not wanting a lack of knowledge to be a limiting factor, Tengu is built around self-service so users can get access to the features you need, and you can set it up with little technical experience.
They also boast that they are more than just the technology they deliver. They support their customers with consulting on how they can be better using their data and what kinds of systems will help them do that.
Those interested in Tengu can contact them directly to learn more about Tengu’s pricing levels and various consulting services.
DataOps is a type of agile and continuous methodology, for the managing and interpreting of data for a company. With this approach, brands can process their data faster and more pertinent to their needs.
DataOps works at scale to crunch data quickly and more efficiently, in repeatable sprints, so companies have access to the information they need in real-time, in a single location, across departments.
You can continuously gather data from customers, their experiences, the products people are buying, and more to make real-time decisions about how to reach more of your target audience.
DataOps tools integrate into your existing data collection software to process and deliver data information in a primary platform or dashboard. Examples include FraXses, RightData, MLflow, K2View, and Tengu.
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Data is critical to our sales and marketing cycles. While there are plenty of great data analysis software options, sometimes you need that information coming in faster. With speed comes the need for efficiency, accuracy, and security. DataOps is the answer, in flexible and agile environments, constantly dripping in reliable data your brand can use to build better sales processes, respond to customer needs and wants, and hit your goals with more efficiency.
Which DataOps tool are you going to try first?
Shares of Globalstar Inc. took an afternoon dive Tuesday, as investors expressed disappointment that Apple Inc. did not say its new iPhone 13s would support satellite communications. The mobile satellite services company’s stock sank 19.4%, after being down 5.3% just before the start of Apple’s iPhone 13 launch event. The stock had rocketed 64.3% on Aug. 30, after the reports surfaced that Apple would work with Globalstar as it added satellite communications to its next iPhone. The stock had climbed another 14.5% from Aug. 30 to the five-year closing high of $2.69 on Sept. 8, before pulling back. The stock has still rocketed 442.9% year to date, while the S&P 500 has advanced 18.3%.
Market Pulse Stories are Rapid-fire, short news bursts on stocks and markets as they move. Visit MarketWatch.com for more information on this news.
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Content Llama | Web or full stack developer | Remote, EU preferred
I need a great web developer and a full stack developer to join the product engineering team of 8 in Content Llama. We take the diverse product information and photos provided by brands and make it amazing and easy to use for online retailers. We’re doing that by building powerful user interfaces for human curators, and assisting them with machine learning and automation.
We’re a scaling start-up, with funding and customers. Our product roadmap is huge so you’ll be able to find a challenge that interests you. We don’t have a 24/7 service so we don’t have the on call requirements of many tech companies.
Tech stack is React+Redux, Spring Boot, and MariaDB on Azure, but experience with those isn’t necessary. Location is Dublin, Ireland, but our team is distributed between Ireland, Spain, Portugal and Ukraine so remote is certainly possible.
You can reach me at andrew.duffy@contentllama.com
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Weploy | Product Manager | REMOTE (AU, JP, NZ) or ON-SITE (Melbourne, AU) | Full-time
Weploy is an on-demand staffing platform for customer service. We’re building out a new version of our platform and need a product engineer to help us manage what we need build now and in the future.
A judge declared a mistrial Tuesday at the trial of the founders of the lucrative classified site Backpage.com on charges of facilitating prostitution and laundering money after deciding prosecutors had too many references to child sex trafficking in a case where no one faced such a charge.
