Category: Business News

Business News

New comment by jph98 in "Ask HN: Who wants to be hired? (January 2020)"

Location: Bristol, UK

Remote: Yes

Willing to relocate: Yes

Technologies: Javascript, React (+ Native), Python, Java

LinkedIn: https://www.linkedin.com/in/jonathanholloway/

Blog: https://medium.com/@jonathan.holloway

Résumé/CV: https://docs.google.com/document/d/1D7LpdfSMI8qTdp1YwBT6Sjqp…

Email: jonathan.holloway@gmail.com

Software engineer, data engineer, product manager, engineering manager/CTO looking for contract work (remote or SW England based) primarily. Relocation eventually for the right role.

The post New comment by jph98 in "Ask HN: Who wants to be hired? (January 2020)" appeared first on WE TEACH MONEY LIFE SELF DEFENSE WITH FINANCIAL GOALS IN MIND.

The post New comment by jph98 in "Ask HN: Who wants to be hired? (January 2020)" appeared first on Buy It At A Bargain – Deals And Reviews.

Steward Hiring Outlook

Steward Hiring Outlook

The employing expectation for trip assistants has actually lightened up significantly over the previous couple of months. Led by United Airlines’ current news that they would right away start to employ up to 2000 brand-new trip assistants, this information has actually stimulated the most focus.– The 2 most recent air service providers, EOS Airlines and also Maxjet Airways, have actually just recently employed trip assistants as well as are anticipated to work with once again.

If winging your means to Peoria or Paris is the kind of way of living you desire to lead, after that functioning as a trip assistant is absolutely one of the methods to do simply that. Air providers are working with as well as the pickings benefit the appropriate prospects. Get in touch with your preferred airline company straight for as much as day employing info and also open homes.

The employing overview for trip assistants has actually lightened up substantially over the previous couple of months. Led by United Airlines’ current statement that they would quickly start to work with up to 2000 brand-new trip assistants, this information has actually triggered the most interest.– Chautauqua, Comair, Champion Air, and also Air Wisconsin are all employing.– The 2 latest air providers, EOS Airlines as well as Maxjet Airways, have actually lately employed trip assistants and also are anticipated to employ once again.

Air service providers are working with as well as the pickings are excellent for the best prospects.

The post Steward Hiring Outlook appeared first on ROI Credit Builders.

You Can Have My Old Business That Makes $381,722 a Month

I was talking with my friend who works at Keap (formally known as Infusionsoft) and he was breaking down how people still make millions of dollars selling info products and ebooks.

Now, I don’t sell info products as heavily as I used to, but when I focused on it 100% of the time, my numbers were great.

Just look at the screenshot above. It’s my revenue on a bad
month of selling info products.

So today, I thought I would do something different.

Instead of just blogging about marketing tactics, I thought I would share my old business model with you and give you the exact emails, power points, and everything you need so that way you can replicate my results.

Are you ready?

Step #1: Figure out what you want to sell

Don’t worry about traffic. Instead, I want you to figure out what you want to sell.

Whatever it may be, it needs to solve a problem for people.

For example, I’ve sold marketing courses that teach people
how to get more traffic. This is a problem businesses have as they need traffic
in order to generate sales.

You can literally sell almost anything online, just make sure you are passionate about it and know that subject well.

For example, Grant Cardone sells sales training. Sam Ovens teaches you how to make money through consulting. Ezra Firestone teaches you how to create an ecommerce business.

Step #2: Start creating your product

Once you figure out what you want to sell, you need to
create it. You don’t have to finish creating it, you can do that as you generate
sales.

Before you start creating anything though I want you to read
this guide by Kajabi, which specializes in online courses…

Mega-Guide
to Creating an Online Course

Here are some general rules I’ve learned about creating a handful of info products:

  1. People want course material in video format. Don’t
    waste your time with too text-based documents or audio files.
  2. Your videos need to be short and to the point.
    People are strapped for time.
  3. Your course should be completed within 2 or 3
    months at the latest. Ideally within 6 weeks.
  4. Include workbooks, cheat sheets and quizzes
    throughout your course. You can easily create these in Kajabi.

Step #3: Create a presentation

You need to create a presentation that helps you sell your
product.

The presentation should look something like this:

If you want, you can just use my slides and modify them to
whatever product or service you are selling. You can download
my slides here.

I know looking at slides can be a bit confusing but watching
this video may also help as it breaks down the process.

Once you have created your PowerPoint, you’ll need to use a software like Webinar Jam to present to people who are potential customers (don’t worry, I’ll teach you how to get traffic in a bit).

What Webinar Jam does is make it easy for you to create a
Webinar that people can join and you can then sell them through it. That’s what
almost all of us do to sell info products… it works really well.

Step #4: Create emails and set up your CRM

Emails are key to generating income through info products.

And in order to succeed with email marketing when it comes to selling digital products, the right CRM will make all the difference in the world.

Without the right emails, you won’t do well. It’s really that simple.

There are 8 types of emails that you need to create:

  1. Invite sequence – these are a series of emails that invite people to watch your webinar. (here are my invite emails)
  2. Indoctrination – you need to build a connection with people. People are more likely to convert if they know more about you and trust you. (here are my indoctrination emails)
  3. No shows – just because someone signs up to watch your webinar, it doesn’t mean they will attend. For everyone who doesn’t attend, you’ll want to email them and get them to watch the replay. (here are my no show emails)
  4. Encore – not everyone will watch your whole webinar. If they don’t stick to the end they won’t see your offer. You’ll want a few emails that push the replay. (here are my encore emails)
  5. Objection handler – there are a handful of reasons someone may not buy. You’ll want to answer each of those objections through email. (here are my objection handler emails)
  6. Countdown sequence – you’ll want to close off your course. Letting people know that they only have a few days left to buy is a really effective way to generate sales. These emails will roughly make up 1/3 to half of your sales. (here are my countdown emails)
  7. Last chance email – on the last day you’ll want to send a few emails letting people know it is about to close. (here are my last chance emails)
  8. Free trial offer – the majority of people won’t buy from you. Offering the last chance free trial offer is a great way to roughly get 15% more sales. (here are my free trial emails)

I know that sounds like a lot of emails to create and it is, but don’t worry, just click the links above that contain the emails I used and just modify them for your product. 🙂

The key with the emails is to just not mail them out, but it’s to use automation. You can easily set that up with Keap.

The reason most of us marketers use Keap (aside from being a great and efficient tool) is because it connects with other tools that help us maximize our email revenue while also providing the most flexibility.

The flexibility you’ll gain by using Keap will help you make more money. Here’s what I mean:

  1. PicSnippets – for you invite sequence emails you’ll want to use a customized image that has someone’s name in it. Just like how the image above has “Ben’s” name in it. And it dynamically changes to the person’s name.
  2. Plus This – during the objection handler sequence I typically text everyone who watched the webinar with their “first name?”. Plus This automatically does this and what you’ll find is when you text someone their first name they will usually text back with “who is this?”. That’s when Plus This automatically responds with “Hey this is Neil Patel, I just wanted to thank you for watching my webinar. I wanted to follow up and see if you had any questions or if I can help answer anything for you.”. You’ll find that a lot of people will text back with questions, all you have to do is answer them and you’ll generate more sales.
  3. Plus This – I know I mentioned Plus This above, but you will also need it for emails related to your countdown sequence, last chance emails, and free trial offer. You want to use a countdown timer within those emails. The time should adjust based on when you send each email off and the time zone the individual is in. Plus This does all of it for you automatically.
  4. Collect payments – I also use Keap to collect payments. So, once I email someone, they can click a button and buy through pre-made payment pages that Keap provides you.

Step #5: Drive traffic

One of the key ingredients to making money through info products
is to have traffic.

And I know what you are thinking to… “Neil you did well because
you have a ton of traffic”.

Well, people like Sam Ovens and Grant Cardone don’t rank well on Google, yet they make 8 figures a year. They profitably sell info products through ads.

If you want to grow your traffic, go through the following
steps:

You now have a handful of ways to generate sales. Facebook ads are probably the quickest way to generate sales and usually, for every dollar, you spend you should generate at least 2 dollars in revenue.

If you want a longer-term approach, consider SEO and content
marketing.

And a good mid-term approach is leveraging Instagram and
building a personal brand.

Or if you really want to see your numbers grow, consider
doing all of them. 😉

Conclusion

I know everything I broke down may seem overwhelming, but it
shouldn’t be. Just take one step at a time.

Plus there are a lot of tools that make your life easy and do most of the hard work. I pretty much mentioned them all above and you can get them to play nice by using Zapier, which can connect them easily if you aren’t able to figure it out.

And if you are wondering why I stopped focus most of my efforts on info products it isn’t because it was bad business.

It’s the opposite. It’s a good business… but to scale it to
millions a month in revenue is tough and you’ll find that your profit will
drastically drop.

In other words, your upside is limited and it’s not hard to
make a few million a year in profit, but anything above that gets really tough.

So, what are you going to do with the information above?
Are you going to try and sell info products?

The post You Can Have My Old Business That Makes $381,722 a Month appeared first on Neil Patel.

How to Get a Loan for a Business: A Step By Step Plan of Action

When a business already exists, loans are often needed to help it grow. How to get a loan for a business growth is a little different than when you first get a loan to start your business.  In some ways, it is easier. In others, it is more complicated. For example, you already have your business plan and market research. You do not have to do all the original projections, and you do not have to convince a lender you have a winning idea. There are other steps in how to get a loan for a business however.

If you need to know how to get a loan for a business that already exists, you will have to convince a lender that it has potential for growth. In addition, they will want to see proof of financial success, and you will need to provide them with a plan for how you plan to use the money to aid growth and expansion.

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

A Step by Step Plan for How to Get a Loan for a Business 

It can sound overwhelming, but if you follow the steps, most of the hard work will be done before you ever talk to a lender.  The key is to know which type of lender and what type of loan will work best for your needs. Once you know those two things, you can prepare specifically for that.  Then, when the lender starts asking questions you will be ready. This will make the process of how to get a loan for a business much faster, and likely it will go much more smoothly. 

How to Get a Loan for a Business: Step One: Choose the Type of Loan You Need

First, consider the type of loan you need in light of what you actually qualify for. how to get a loan for a business Credit Suite2

Traditional Loans

These are the standard loans that disperse a set amount of funds, with the borrower repaying over a certain period of time.  The payment is the same each month, and they can be either secured or unsecured. Unsecured small business loan options usually have higher interest rates. 

Line of Credit 

This is revolving debt similar to credit cards.  Borrowers are given a maximum limit of the amount of funds they can use, but only pay back the amount that they actually use.  For example, a borrower may have a $10,000 line of credit and use $5,000 to buy a new commercial oven. They will only pay back to $5,000, until the time comes that they choose to use more. Lines of credit can also be secured or unsecured. 

Invoice Factoring

Factoring invoices is an option if you have receivables.   The lender basically buys unpaid invoices from you at a premium, meaning you do not get full value.  You then have immediate cash however, for those open invoices. The lender collects from the consumer directly at full value.  The older the invoice, the higher the premium. This is due to the fact that the likelihood of collecting on the invoice goes down the older the invoice gets. These are an option for fast cash.

Merchant Cash Advance

If you accept credit card payments, a merchant cash advance can help you out in a cash pinch.  It is basically just what is says. It’s a cash advance on predicted credit card sales. They base the amount of the loan off of average daily credit card sales, and then take payment from future credit card sales. This usually happens electronically. Most often, the process is automatic.  The draw is that you get the funds fast, and there are usually more flexible options for repayment terms depending on your eligibility. This is another great option if you need cash quickly.

Which one of these will work best for your needs?  Well, if you are looking to grow, then you likely have a plan for what that will take.  In general, a traditional type of loan or a line of credit works best for growth. 

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

How to Get a Loan for a Business: Step Two: Choose the Type of Lender

 A lot of business owners think that a bank is their only option.  There are a few different types of lenders to consider in how to get a loan for a business already running however. 

Large Commercial Banks

These include those nation-wide institutions like J.P. Morgan Chase and Wells Fargo.  As a general rule, they are small business friendly. There is nothing specific that they hold against smaller businesses.  It is simply that these businesses do not generally meet the requirements for borrowing from large banks.  

Community Banks

Community banks are the smaller, local financial institutions.  Sometimes they are called hometown banks. They are typically more friendly toward small businesses.  Often, they are able to look a little deeper and see a tad bit more than the numbers. Their small business loan options may have less strict eligibility requirements as well.  Still, the numbers make a difference. Whether credit score, annual income, years in business, or some combination, you will have to have meet eligibility.

Credit Unions

The main thing to remember with a credit union is that you must be a member to get a loan from them.  They usually offer more favorable interest rates however. If you are a member of one, be sure to ask about what they offer as far as business loans.

Private Lenders

These are alternative lenders that usually function online, though some do have brick and mortar locations as well.  The benefit with private lenders is that they offer small business loan options to those that may not qualify with traditional lenders.  Their credit score requirements are lower. They may or may not require a certain amount of time in business or minimum revenue amounts. However, their small business loan options typically have higher interest rates. 

If you think this may be the route you need to take, here are a few options to consider. 

Upstart

Upstart is a fairly new online lender.  They question whether financial data and credit score alone can really determine the risk associated with a specific borrower.  Instead, they use a combination of AI and machine learning to gather alternative information. They then use this information to aid in credit decision making.

This alternative information may include such things as mobile phone bills, rent, deposits, withdrawals, and even other information less directly tied to finances.  Software from the company actually learns and improves on its own. 

They offer various types of financing products to fit a broad range of needs. This includes debt consolidation and personal loans, as well as business loans.

You can get a quote on a loan to start or expand a business.  Quotes are available online in a matter of minutes.  Learn more here in our comprehensive review. 

StreetShares 

StreetShares began as a service to veterans.  Now, they offer term loans, lines of credit, and contract financing. In addition, they now offer small business loan investment options. The maximum loan amount is $250,000.   

To be eligible, you must be in business for at least 12 months with annual revenue of $25,000. Exceptions are possible, with loans to companies in business for at least 6 months having higher earnings happening on a case by case basis. The borrower’s credit score must be at least 620. For more on StreetShares, see our in-depth review. 

Kabbage 

Kabbage is a well know online lender. They offer a small business line of credit that can help businesses accomplish goals quickly. The minimum loan amount is $500 and the maximum is $250,000. They require you to be in business for at least one year and have $50,000 or more in annual revenue, or $4,200 or more in monthly revenue, over the previous 3 months. 

They have a non-traditional approach that puts less weight on your credit score, so they may work better for some borrowers than other lenders.

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

Fundation 

Fundation provides both term business loans online and lines of credit. It is most known for its working capital funding options. These are funds meant to help cover the day-to-day costs of running a business rather than larger projects. Typically, these funds come in the form of a line-of-credit.

The minimum loan amount they offer is $20,000 while the maximum is $500,000. They require you to be in business for at least 12 months and have annual revenue of at least $100,000. To be eligible, your personal credit score can’t be less than 600. Additionally, you must have at least 3 full time employees. However, that can include you. Business owners cannot live or operate their business in North Dakota, South Dakota, or Nevada. 

SmartBiz

If you want the convenience of online lending but need to look toward products offered by the SBA, then SmartBiz is what you are looking for. 

With the help of the Small Business Administration, SmartBiz offers loans that are government backed. While SBA loans usually take a lot of time and paperwork, SmartBiz streamlines and speeds up the process.  This makes getting loans through the Small Business Administration easier than ever. The minimum loan amount is $30,000 and the maximum is $5,000,000.  

How to Get a Loan for a Business: A Word About SBA Loans

Speaking of SBA loans, you cannot talk about how to get a loan for a business without some discussion on the SBA.  While they do not lend funds themselves, they do administer a number of loan programs that help small businesses get the funds they need through partner lenders.   

7(a) Loans 

This is the Small Business Administration’s most known program.  It provides federally funded term loans up to $5 million. The funds can be used for a number of purposes.  These include expansion, purchasing equipment, working capital and more. Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds. 

504 Loans 

504 loans are also available up to $5 million and can buy machinery, facilities, or land. Typically, they are used for expansion.  They work especially well for commercial real estate purchases. 

Microloans 

These are $50,000 or less. They work well for starting a business, purchasing equipment, buying inventory, or general working capital. 

SBA disaster loans 

This is a program for businesses that are victims of natural disasters.  These loans are different because, unlike the others, the SBA actually processes them directly rather than using partner lenders.   

SBA Express Loans 

These are fast turnaround loans, with the SBA taking up to only 36 hours to give a decision. There is less paper work as well, which is part of what makes express loans great if you qualify. 

SBA CAPlines 

There are 4 different CAPline programs.  They differ mostly in how the funds can be used. The maximum on each is $5 million.  It can take 45 to 90 days for the funding on the CAPlines to come through.  

SBA Community Advantage Loans 

This is a pilot program.  It will either expire, or the SBA will extend it in 2020. Its purpose is to promote economic growth in underserved areas and markets. Decision makers look past such things as poor credit or low revenue if the business has the potential to create jobs or promote economic growth in underserved areas. 

These are some of their most popular programs. The Small Business Administration does so much more for small businesses in addition to these.  Get more details on the SBA, these loan programs, partner lenders, and additional resources offered by the Small Business Administration here.    

How to Get a Loan for a Business: Step Three: Build an Application Packet

This step mostly applies for traditional lenders, traditional loans, and SBA Loans.  Most private lenders just have you fill out an application online. The idea is to anticipate what lenders will need to see and have all the information already pulled together for them.  For example, most all of them will want to see financial statements or tax returns for the past 3 years or so. They will also want to see a plan for how you will use the funds, and what results you anticipate. 

If you are thinking about how to get a loan for a business to grow, you are going to need to show them how you will use the funds to help it do that.  They will also likely want to see that you have market research that supports the idea that the market will support growth. You may be able to simply update the business plan you used when you applied for startup financing. 

How to Get a Loan for a Business: Do Your Research and Be Prepared

These really are the two best bits of advice when it comes to how to get a loan for a business.  Consider what your options are, based on your specific needs and situation. Then, research what lenders will need to approve you for whatever type of loan you need, and prepare with that in mind before you ever walk in.  

The post How to Get a Loan for a Business: A Step By Step Plan of Action appeared first on Credit Suite.

You Can Have My Old Business That Makes $381,722 a Month

I was talking with my friend who works at Keap (formally known as Infusionsoft) and he was breaking down how people still make millions of dollars selling info products and ebooks. Now, I don’t sell info products as heavily as I used to, but when I focused on it 100% of the time, my numbers …

How to Get Your Business Google Knowledge Graph for Free?

As a business, you know you need to be on Google Knowledge Graph, at least that’s what we often hear. However, do you really need to get a knowledge graph on Google and if yes, how do you get it? Here’s everything you need to know about Google Knowledge Graph for businesses. What is Google …

New comment by NewsNow in "Ask HN: Who is hiring? (January 2020)"

UI Designer | NewsNow.co.uk | London, UK | Full-time, permanent
Web Developers / Full Stack Developers / News Algorithm Developers / Back End Software Engineers | NewsNow.co.uk | 100% remote (UK residents only) | Full-time, permanent

We are a top ten UK media publisher, with a website loved by millions: a technology company at heart with industry-leading success metrics propelled by a highly experienced multi-disciplinary engineering team that can afford to run lean. Which means today, we offer all the excitement and agility of a start-up, but with the stability and benefits of an established business — we’re still a company where everyone gets to make a massive impact!

Our mission: to democratise and disrupt the market for news. Today, we have major plans for growth, both here in the UK and abroad, and to create even more social capital out of what has been an extremely successful platform: through increased editorial direction, curating credible but independent journalism, as well as through computational approaches to identifying the best news to show our users.

We currently have these opportunities:

– As a /UI Designer/, you’ll help us to grow and shape our new design system as part of our biggest redesign in 20 years. You’ll work closely with the Creative Tech Lead, development team, and senior management, and get involved with transformative upcoming design projects. You will be working primarily in Figma, and occasionally with the Adobe suite.

– As a /Fully Remote Web Developer/, you’ll write the logic that drives the UI, and integrate new UI with back-end data. You’ll also work on a wide array of other UI/UX, SEO, and content integration challenges.

– As a /Fully Remote Full Stack Developer/, you’ll be expected to contribute authoritatively towards product development projects throughout the entire software stack: from database and infrastructure installation and configuration, through writing business logic and prototyping website presentation, to developing our bespoke programmatic advertising technologies.

– As a /Fully Remote News Algorithm Developer/, you’ll develop automated curation algorithms that will produce the content for a new homepage format.

– As a /Fully Remote Back End Software Engineer/, your projects will largely be server-side. You will bring a sophisticated approach to problem solving, finding ways to achieve objectives while addressing scalability challenges and security concerns.

All London positions are based at our centrally-located head office.
All fully remote roles are open to UK residents only.

If you think you’re a fit for any of these roles, please apply online. http://www.NewsNow.co.uk/careers/

A Travelers Guide To Currency Exchange

A Travelers Guide To Currency Exchange Trading money is something constant vacationers should come to be aware of. There are various money worldwide. Learning exactly how to trade money as well as where to do it can aid vacationers obtain one of the most out of their cash.The complying with describes the significant locations that … Continue reading A Travelers Guide To Currency Exchange

New comment by OwenChoi in "Ask HN: Who is hiring? (January 2020)"

Zattoo | Backend Engineer (Golang) | Berlin | ONSITE | Full Time At Zattoo we are building the TV platform of the future. To make that possible, we are looking for an experienced backend developer (f/m/x) with a specialization in Golang to join our backend team. As the demand for unicast TV delivery is constantly …

The post New comment by OwenChoi in "Ask HN: Who is hiring? (January 2020)" appeared first on Buy It At A Bargain – Deals And Reviews.

Safe Loans With Low Interest as well as Easy Repayment Are The Best Option For Borrowers

Guaranteed Loans With Low Interest and also Easy Repayment Are The Best Option For Borrowers

Protected financings– one of the most prominent kinds of finance makes use of the residence or any kind of various other residential or commercial property possessed by the debtor as security. There are countless various other kinds of financing, however loan providers are most comfy while offering a protected finance. Guaranteed car loans can be taken for a broad range of usages such as financial obligation loan consolidation, improvement of residences, moneying a vacation or getting a brand-new vehicle.

Safe lendings come with extremely simple settlement choices and also loan providers maintain debtor’s needs right into factor to consider while determining on payment strategies. Protected car loans have settlement durations extending from 5 to twenty 5 years.

APR (Annual Percentage Rate) ought to be provided significant factor to consider by every customer that desires to take a safeguarded financing. Guaranteed finances have really reduced APR’s varying in between 5% to 8% depending on the lending term, security worth and also credit report merit of the debtor. While taking a protected lending a consumer has to pay some charges to the lending institution.

The procedure of using for a protected financing has actually come to be extremely simple and also trouble- cost-free many thanks to the modern-day developments in info modern technology. A consumer can likewise use via a phone as well as by seeing the loan provider’s workplace in individual.

Given that an appraisal procedure is included in taking guaranteed financings, the authorization of such lendings take a longer time as contrasted to unsafe car loans. The whole procedure from sending the application kind for the safeguarded lending to funding authorization will certainly be finished within 30 days. A credit score contract will certainly apply the terms as well as problem of lending on both celebrations- the debtor as well as the loan provider.

Protected fundings– one of the most prominent kinds of financing makes use of the residence or any type of various other residential property possessed by the debtor as security. There are various other kinds of lending, however lending institutions are most comfy while offering a safeguarded finance. Protected financings have really reduced APR’s varying in between 5% to 8% depending on the lending term, security worth and also credit rating merit of the debtor. Because an evaluation procedure is included in taking safe fundings, the authorization of such car loans take a longer time as contrasted to unsafe lendings. The whole procedure from sending the application kind for the protected funding to finance authorization will certainly be finished within 30 days.

The post Safe Loans With Low Interest as well as Easy Repayment Are The Best Option For Borrowers appeared first on ROI Credit Builders.