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Location: Los Angeles
Remote: Yes
Willing to relocate: Yes
Technologies: Python, JavaScript, Django, Pandas, Numpy, Scipy, Seaborn, Sci-Kit Learn, TensorFlow, PyTorch, Keras, SQL, AWS, GCP, Linux, Ubuntu
Resume/CV: https://docs.google.com/document/d/1Dj2kHQZfG3UFOnDNW_XmO_Vi…
LinkedIn: https://www.linkedin.com/in/matthewcardozo
Email: dozomatt@gmail.com
Location: Southeast USA Remote: Yes, please. Willing to relocate: Really focused on fully-remote, but would relocate back to NYC for the right opportunity Technologies: JavaScript, React/Redux, Node, Sass, PostgreSQL Résumé/CV: https://docs.google.com/document/d/12fRriSbxIGhiRZ_ypoxcLmrgr1NPSXiVhY02Ecbd4uQ/edit?usp=sharing Email: joehdodd@gmail.com Lots of full-stack SaaS product experience. I’ve got a lot of depth on the front-end, but I have a good bit of … Continue reading New comment by deepsunn in "Ask HN: Who wants to be hired? (April 2020)"
The Gronkowski trade shows Brady’s influence on his new team, which has made bold moves this offseason. The post Brady lures Gronkowski, showing Bucs are all-in to win hometown Super Bowl appeared first on Buy It At A Bargain – Deals And Reviews.
The terms “business credit” and “fundability” get thrown around a lot. The truth is, a lot of people think they are interchangeable. In fact, they are not. Think of fundability as a puzzle, and all the pieces are different sizes. Business credit is a huge puzzle piece that goes right in the center.
Think about the puzzle analogy and you can see how it isn’t really possible to have complete fundability without business credit. A huge piece of the picture would be missing. On the other hand, you could get a good idea of what the picture is if you have credit in your business name but not all the other pieces of the fundability puzzle. That is how big this piece is. It is huge. You just wouldn’t have all the funding options that you would if you had all the puzzle pieces. Before we can go further, you need to understand what fundability is, and what business credit it.
Keep your business protected with our professional business credit monitoring.
Basically, fundability is the ability of your business to get funding. When lenders consider releasing funds for your business, does it appear to them to be a good idea to make the loan? What do they look at to make that decision?
When a lender considers lending to your business, they are wondering if you are high risk? Do you seem like a business that can and will pay back the debt? Lenders are in it for the money. They need to feel like they are making a good investment. A high credit risk is not a wise lending choice.
The harder question is how does a business get fundability? This is hard, because so many things affect fundability. Sure, a great credit score for your business is important. In addition, many of the aspects necessary for a strong business credit score are necessary for fundability as well.
A potential creditor needs to see that your business is legitimate and profitable. Many loan applications are denied approval due to fraud concerns. Others, simply because something didn’t match up and threw up a warning signal. Maybe the addresses or phone numbers didn’t match on a couple of reports and it just looks unprofessional.
Why do you need separate credit for your business? First, if something bad happens and your personal credit goes down, you need to be able to continue to run and grow your business. If your business has its own strong credit, you can still do that regardless of what is happening with your personal credit.
While it is true a new business will not have any credit of its own, it doesn’t have to be that way forever. There are ways to build credit for your business quickly so that when the time comes, you can keep your personal credit separate and finance business growth using your business credit. Learning all you can about business credit is the first step in building it.
The great thing is, building credit for your business and building fundability both start the same way, with the foundation.
You have to set up your business properly. It has to have a fundable foundation to build separate credit and to build fundability as a whole. What makes up a fundable foundation?
The first step in setting for fundability is to ensure your business has its own phone number, fax number, and address. That’s not to say you have to get a separate phone line, or even a separate location. You can run your business from your home or on your computer. You don’t even have to have a fax machine.
In fact, you can get a business phone number and fax number pretty easily. They will work over the internet instead of phone lines. In addition, the phone number will forward to any phone you want it too so you can simply use your personal cell phone or landline. Whenever someone calls your business number it will ring straight to you.
Faxes can be sent to an online fax service, if anyone ever happens to actually fax you. This part may seem outdated, but it does help your business appear legitimate to lenders.
You can use a virtual office for a business address. This doesn’t play out how you may think. This is a business that offers a physical address for a cost. Sometimes they even offer mail service and live receptionist services. In addition, there are some that offer meeting spaces for those times you may need to meet a client or customer in person.
The next thing you need to do is get an EIN. It is an identifying number for your business that works similar to how your SSN works for you personally. You can get one for free from the IRS.
Incorporating your business as an LLC, S-corp, or corporation is vital to fundability. It helps your business appear legitimate, and also offers some protection from liability.
You can incorporate as an LLC, S-corp, or full blown corporation. Which option you choose does not matter as much for fundability as it does for your budget and needs for liability protection. The best thing to do is talk to your tax person and your attorney. You are going to lose any time in business that you have. When you incorporate, you become a new entity. You basically have to start over. You’ll also lose any positive payment history you may have accumulated as well.
This is why you have to incorporate as soon as possible. Not only is it necessary for fundability and for building credit for your business, but so is how long you have been in business. The longer you have been in business the more fundable you appear to be. Time in business begins on the date of incorporation, regardless of when you actually started doing business.
Keep your business protected with our professional business credit monitoring.
You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of finances. It will also help you keep them separate from personal finances. This is necessary for tax purposes anyway.
In addition, there are several types of funding you cannot get without a business bank account. Many lenders and credit cards want to see one with a minimum average balance. Also, you cannot get a merchant account without a business bank account. Consequently, you cannot take credit card payments. Studies show consumers tend to spend more when they can use a credit card.
For a business to be legitimate it has to have all of the necessary licenses it needs to run. If it doesn’t, warning signs are going to go up everywhere. Do the research you need to do to ensure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels.
I am sure you are wondering how a business website can affect fundability. Here’s the thing. These days, you do not exist if you do not have a website. However, having a poorly put together website can be even worse. It is the first impression you make on many, and if it appears to be unprofessional it will not bode well for you with consumers or potential lenders.
Spend what you need to in an effort to make sure your website is professionally designed and works. Also, pay for hosting. Don’t use a free service. Along these same lines, your business needs a separate business email address. It should have the same URL as your Website. Don’t use a free service such as Yahoo or Gmail.
What does all of this have to do with separate credit for your business? Before your business can have its own credit, it has to be set up as an entity separate from the owner. The fundable foundation is how you make that happen.
Now that you know what fundability is and how to set up your business to be fundable, you need to know how business credit fits in.
Business credit agencies issue reports much like your consumer credit report. They detail the credit history of your business. It helps lenders determine the creditworthiness of your business.
Where do these reports come from? There are a lot of different places, but the main ones are Dun & Bradstreet, Experian, Equifax, and FICO SBSS. Since you have no way of knowing which one your lender will choose, you need to make sure all of these reports are up to date and accurate.
In addition to the reporting agencies that directly calculate and put out credit reports, there are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. These two agencies gather data from a variety of sources, including public records. This means they could even have access to information relating to automobile accidents and liens. While you may not be able to access or change the data the agencies have on your business, you can ensure that any new information they receive is positive. Enough positive information can help counteract any negative information from the past.
In addition to the EIN, there are identifying numbers that go along with your business’s credit reports. You need to be aware that these numbers exist. Some of them are simply assigned by the agency, like the Experian BIN. One, however, you have to apply to get. It is absolutely necessary that you do this.
Dun & Bradstreet is the largest and most commonly used business credit reporting agency. Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website.
Your credit history is the main piece of your credit score. In turn, your credit score is a huge factor in the fundability of your business.
Your credit history consists of a number of things including:
The more accounts you have reporting on-time payments, the stronger your credit score will be.
Keep your business protected with our professional business credit monitoring.
On the surface, it seems obvious that all of your business information should be the same across the board everywhere you use it. However, when you start changing things up like adding a business phone number and address or incorporating, you may find that some things slip through the cracks.
This is a problem because a ton of loan applications are turned down each year due to fraud concerns simply because things do not match up. Maybe your business licenses have your personal address but now you have a business address. You have to change it. Perhaps some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the correct information?
The key to this piece of the business fundability is to monitor your reports frequently. This way, you can see if any mistakes are affecting your credit, and get them fixed.
I know, I know, another analogy might be overdoing it. But think about it, you can have a sandwich without turkey, but it’s not a turkey sandwich. It’s something else. You can have all the pieces of fundability without business credit, but it won’t hit the spot.
Without true business credit, even if every other part of fundability is in place, you’ll still be missing out on a ton of funding opportunities. Definitely work on building strong credit for your business. It’s a huge part of fundability. However, don’t let the other facets of fundability slip. You need the whole puzzle to see the big picture and get the big money.
The post How Does Business Credit Fit into The Big Picture of Fundability? appeared first on Credit Suite.
Snap stock jumps 20% as revenue tops estimates
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To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here!
Deciding as well as making the jump to spend is the primary step – whether to begin a service, buy the stock exchange, realty, or a few other endeavor it’s mosting likely to require understanding, ability and also might or might not influence your economic stand factor once it’s all claimed as well as done. All financial investments bring at the very least some sort of threat, and also as an outcome of threat individuals really feel worried when it pertains to making financial investments.
In spite of the tiny or huge threats, to obtain your cash operating in your support and also expanding for you will certainly imply a financial investment of some kind. It is merely an issue of choosing the best financial investments, persistent upkeep and also generally holding up throughout instead of taking out prior to the term schedules. When myself as well, this is a difficult principle to find out and also it’s in fact bit me even more than!
Right here are some recommendations to assist you with financial investments that will certainly raise your funding with time.
Figuring out the threat variable prior to you leap with both feet off something you’ll be sorry for later on:
The initial point one needs to maintain in mind is possible threat of the financial investment you are going to make. Think about the result on your life if you shed every cent you are going to spend.
Most likely all financial investments have threat, however some are a lot more dangerous than others, audio suggestions from an effective financial investment representative can accompany means. Do not hesitate to ask actually “stupid” concerns and also maintain asking till you comprehend the subject. This is your cash were speaking about below as well as were not playing syndicate any longer.
These high threat financial investments can be difficult unless you’re playing with “home” cash or cash that you’ve made and also it will not injure as well much if you shed it all. High threat financial investments are not for everybody, some simply can not deal with the anxiety of perhaps shedding their tough gained money.
See to it that you are not obtaining cash or investing cash that you might require in other places, as well as see to it that the loss of cash will certainly not disrupt your lifestyle at all. I’ve likewise been attacked by this. On the silver lining I’m discovering what not to do.
Tracking Your Past Investments Performance:
It is extremely essential to recognize as well as track the historic efficiency of the corresponding business or bond if you’ll be making financial investments in areas like bonds as well as supplies. As soon as your research study has actually been detailed than make your relocation.
If you do not see any kind of boost in rate worth of the supply or bond for the last number of months yet it appears to be consistent after that maybe an excellent capacity for a long-term financial investment. Consistent development is an excellent sign for prospective development in the future, which after an extended period will certainly generate far better than temporary financial investments.
Checking Out Recent News:
Searching these subjects online can make you acquainted with current market occasions. When you obtain the hang of routine, computed investing you could locate the anxiety is not as well negative and also the economic incentives are really delightful!
Regardless of the little or huge threats, to obtain your cash functioning in your support as well as expanding for you will certainly suggest a financial investment of some type. The initial point one must maintain in mind is possible threat of the financial investment you are going to make. Possibly all financial investments have threat, yet some are extra dangerous than others, audio suggestions from an effective financial investment representative can go along means. These high threat financial investments can be difficult unless you’re playing with “residence” cash or cash that you’ve gained as well as it will not harm also much if you shed it all. High threat financial investments are not for every person, some simply can not take care of the anxiety of perhaps shedding their tough made cash money.
The post To Invest Or Not To Invest, It’s Only Your Future Were Talking About Here! appeared first on Get Funding For Your Business And Ventures.
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The screenshot above is my Google traffic over the last 12
months.
As you can see, my traffic is growing. And there are many reasons for that, but there is one trend that’s really caused the majority of my SEO growth.
You might be thinking it is Ubersuggest because it makes up 22.4% of my traffic now. But Ubersuggest has been integrated into NeilPatel.com for years, so that’s not it.
Sure, that is responsible for some of my growth, but it’s not responsible for it skyrocketing like it has been.
So, what do you think it is?
Well, I’ll give you a hint…
Let’s look at my SEO traffic in a few different regions.
Here’s my traffic in the United States over the last 12
months:
Now here’s my traffic in the United Kingdom:
And here are the stats for Canada:
And Australia:
You can see that they have all increased, but not enough to
cause the big spikes.
Now let’s look at some of the international markets we have been focusing on over the last few years.
Here’s Spain:
Here’s India:
And here is the first international market we expanded to,
Brazil.
As you can see, the international markets are growing at a much faster pace, especially Brazil. But that is because we have been focusing on our SEO in Brazil more than any other country (outside of our main English markets).
Why you may ask?
The most vital SEO lesson I learned came from a friend at Google, but they didn’t tell me anything that was really a secret…
They told me that the majority of the searches on the web aren’t done in English, they are done in other languages.
And in the English markets, everyone is competing, which
means tons of sites and content from Google to choose from when it comes to determining
which site should rank number 1 for any given keyword.
But the international markets are the opposite. There is a lot of demand but not enough sites for Google to choose from when it comes to rankings.
So even though there are tons of algorithm
updates and SEO is becoming more difficult, it isn’t always the case with
many international markets.
And the graphs above show it. As you can see, I’m getting huge traffic growth in those regions.
So, what should you do? Especially if you are starting
off and don’t have a big budget or any budget for that matter…
Wherever you see big corporations like Amazon investing, it
means there is money to be made in those regions.
Amazon has invested billions into regions like India:
It’s safe to say over the years Amazon will pour in well over $10 billion into India.
That’s a big bet for someone to make. And you can assume it’s a calculated bet because they think there is much more money to be made.
And it’s not just India…
Amazon is investing $236 million into Brazil to boost up their cloud infrastructure. And they’ve invested over $2.26 billion dollars in France. They are pretty much going after the whole world.
As you can see from the graph, Germany is its second-biggest market and Japan is also up there. But what’s interesting is the green bar as that represents the “rest of the world” and that green bar has been growing at a fast pace.
Now, I get that none of us are Amazon and we don’t have huge
budgets, so I wanted to take a minute and break down how you can do this on a
global scale without breaking the bank.
When I first started to expand internationally, my business
was much smaller and we didn’t have much money, if any, to spend on
international SEO.
Yes, I am an SEO, so you would think that it makes it easier, but not really because the only language I am fluent in is English.
And if you fast forward to today, I’m still only fluent in
English, but we have 7 offices around the world.
And we did it without laying out any of our own money. Yes, it did take time and it will for you too, but that’s the only way to do it when you are starting off and are small.
So how did we expand internationally without spending upfront?
We partnered with locals.
Why not find people in these regions who speak English as well as the local language of the country you are trying to expand to?
There are so many people without jobs, you’ll be shocked by how many people will be open to a partnership. All you have to do is look at Facebook groups and forums to find people in your space who live overseas.
Here’s how I structure each partnership:
Now that we’ve covered structuring your international SEO expansion, let’s go over how you do it.
I’ve written a handful of blog posts that break down the
steps on growing your traffic in new languages and countries, but before I
share them, I wanted to break down the 2 biggest lessons I learned:
Here are some resources that will show you how to do
international SEO:
Funny enough, one of the reasons I created Ubersuggest was
to build a tool that would help my team and I expand internationally.
Here’s a feature in Ubersuggest that will help you, that
most people don’t know about.
So head over to Ubersuggest
and type in a competitor that you know is big and has a global presence.
I want you to click on the “Top Pages” navigational option
in the sidebar.
This shows you all of the top pages that your competitors
have.
But don’t focus on those results. I want you to look at the regions that make up some of your competitions’ traffic… you’ll see that number next to each flag.
Click on one of the regions that you are considering
expanding into. You’ll now see the results adjusted.
As you can see from the screenshot above, those are all of the pages on my site that are really popular in Brazil.
Now, I want you to click on “view all” under “Est. Visits”
as that will show you all of the keywords that drive traffic to that page.
This will provide you with a laundry list of international keywords that you can give to your team so they can start creating content to go after them.
I also want you to click on “view all” under “Backlinks” as
this will show you who links to your competition. You can then create a list of
sites to reach out to so you can get them to link to you.
That’s the simple strategy we used to hit it hard in regions like Brazil and what we are also doing in countries like India, Spain, Mexico, France, Germany, and countless other countries.
English is a great language. And I love the United States as
well as other English-speaking countries.
But that’s not where the opportunity is. There is more opportunity in global markets, which is why you need to follow the trend of international SEO.
Even if some of these countries don’t have as high of a GDP compared to the United States, it’s fine. Remember there aren’t as many competitors, which means you will have a lot of opportunities to still do really well.
So what region are you going to expand to first?
The post The Biggest SEO Trend You’re Ignoring appeared first on Neil Patel.
Exactly how to Choose an Internet Service Provider
An ISP – Internet Service Provider – is a business that gives a portal to the Internet for business and also people. In its easiest type, linking to the Internet needs a telephone line to call up an ISP utilizing a computer system and also modem. The ISP after that gives the course onto the Internet.
Picking an Internet Service Provider calls for a basic very first step. Ask on your own: “What do I intend to make use of the Internet for?” You can after that begin to function out your needs if you can address this.
Response to the inquiry “What do I intend to make use of the Internet for?” can consist of:
Just how much will I make use of the Internet monthly?
What time of day will I utilize it?
Do I require internet area?
Is client assistance essential to me?
The number of e-mail addresses will I require?
Can the ISP assistance on the internet settlements?
Just how much does it set you back?
One more inquiry to ask is “How long has the ISP stayed in business?” This may not appear essential however in this sector ISP’s reoccured fairly consistently. Running an ISP needs comprehensive computer system experience, understanding as well as high quality equipment, in addition to a reputable line right into the Internet, lots of great modems as well as ample consumer assistance.
Various kinds of Internet solution
Dial-up: attaches to the ISP utilizing a modem. This is one of the most standard, slowest and also least expensive choice.
DSL: preferred broadband net solution. It utilizes a normal telephone line to attach to the Internet, nevertheless it is quicker that dial-up and also permits you to access the Internet and also utilize the phone at the exact same time.
Wire: broadband Internet solution that utilizes your TELEVISION cable television.
Satellite: It attaches to the Internet utilizing a dish antenna. It is extra pricey than various other choices yet permits individuals leaving in separated locations to access the Internet.
Wireless: Connect to the Internet while you are far from house. Enables individuals to take a trip with their laptop computers and also gain access to the Internet from locations worldwide.
T1: extremely broadband net solution unique for services.
The following action needs to be to begin calling the Internet Service Providers in your location or seeing their web sites to find out more. A great way to learn about a certain ISP in your location is to ask individuals that utilize it or attempt it on your own. On the Internet there are great ISP’s directory sites that you might desire to go to.
An ISP – Internet Service Provider – is a firm that supplies an entrance to the Internet for business as well as people. In its easiest kind, attaching to the Internet needs a telephone line to call up an ISP utilizing a computer system and also modem. Picking an Internet Service Provider needs an easy initial action. Running an ISP needs considerable computer system top quality, experience and also understanding equipment, not to discuss a dependable line right into the Internet, lots of great modems and also ample client assistance.
The following action ought to be to begin calling the Internet Service Providers in your location or seeing their web sites for even more details.
The post Just how to Choose an Internet Service Provider appeared first on ROI Credit Builders.
The Benefits of Permission Email Marketing Email advertising and marketing is continually obtaining even more interest as years pass. Advertising and marketing is making a change in the direction of the Internet and also e-mail advertising is among the significant areas that marketers are getting involved in. Also if e-mail advertising and marketing is obtaining …