Electronic Banking Security Requires Several ‘Layers’ Of Security

Electronic Banking Security Requires Several ‘Layers’ Of Security

Lots of individuals have actually currently found the comfort of financial online and also the versatility it uses as opposed to typical financial at a neighborhood financial firm. Those that are not utilizing on-line financial solutions most likely do not due to the fact that they have issues concerning on-line financial safety and security.

Any type of on the internet financial safety and security that supplies just password verification like a straightforward Internet retail internet website is merely not protect sufficient for the kind of organisation and also details entailed in Internet financial. On-line financial protection actions that consist of security makes it extremely challenging for cyberpunks to accessibility individual info in a house computer system by obstructing a password as it is gotten in on the website (additionally recognized as ‘keylogging’.).

A lot of on-line financial safety procedures consist of a 2nd action to make sure consumer’s protection. Various other techniques of on-line financial safety steps that can be utilized consist of making use of a chip card special to each client, utilizing 2 passwords getting in just arbitrary components as well as making use of electronic certifications.

An additional on the internet financial protection issue lots of individuals have entails scams. Some individuals think that on-line financial safety isn’t safeguard sufficient to avoid their individual info from being utilized in deceitful scenarios.

In spite of issues over electronic banking protection, increasingly more individuals are taking pleasure in the comfort of electronic banking each day. With functions like digital expense repayment as well as instantaneous accessibility to account declarations have actually ended up being an useful means for individuals to preserve their accounts without the restrictions of standard financial hrs.

On-line financial can likewise be called Internet financial and also is made use of to explain when people lug out deals, settlements as well as various other financial institution negotiations on the Internet utilizing their financial institution’s safe internet website. Numerous individuals have actually currently uncovered the ease of financial online and also the adaptability it provides as opposed to conventional financial at a neighborhood financial business. Those that are not utilizing on the internet financial solutions most likely do not due to the fact that they have issues regarding on-line financial safety.

Any kind of on the internet financial safety and security that provides just password verification like a basic Internet retail internet website is merely not protect sufficient for the kind of company as well as details included in Internet financial.

The post Electronic Banking Security Requires Several ‘Layers’ Of Security appeared first on ROI Credit Builders.

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Electronic Banking Security Requires Several ‘Layers’ Of Security

Electronic Banking Security Requires Several ‘Layers’ Of Security

Lots of individuals have actually currently found the comfort of financial online and also the versatility it uses as opposed to typical financial at a neighborhood financial firm. Those that are not utilizing on-line financial solutions most likely do not due to the fact that they have issues concerning on-line financial safety and security.

Any type of on the internet financial safety and security that supplies just password verification like a straightforward Internet retail internet website is merely not protect sufficient for the kind of organisation and also details entailed in Internet financial. On-line financial protection actions that consist of security makes it extremely challenging for cyberpunks to accessibility individual info in a house computer system by obstructing a password as it is gotten in on the website (additionally recognized as ‘keylogging’.).

A lot of on-line financial safety procedures consist of a 2nd action to make sure consumer’s protection. Various other techniques of on-line financial safety steps that can be utilized consist of making use of a chip card special to each client, utilizing 2 passwords getting in just arbitrary components as well as making use of electronic certifications.

An additional on the internet financial protection issue lots of individuals have entails scams. Some individuals think that on-line financial safety isn’t safeguard sufficient to avoid their individual info from being utilized in deceitful scenarios.

In spite of issues over electronic banking protection, increasingly more individuals are taking pleasure in the comfort of electronic banking each day. With functions like digital expense repayment as well as instantaneous accessibility to account declarations have actually ended up being an useful means for individuals to preserve their accounts without the restrictions of standard financial hrs.

On-line financial can likewise be called Internet financial and also is made use of to explain when people lug out deals, settlements as well as various other financial institution negotiations on the Internet utilizing their financial institution’s safe internet website. Numerous individuals have actually currently uncovered the ease of financial online and also the adaptability it provides as opposed to conventional financial at a neighborhood financial business. Those that are not utilizing on the internet financial solutions most likely do not due to the fact that they have issues regarding on-line financial safety.

Any kind of on the internet financial safety and security that provides just password verification like a basic Internet retail internet website is merely not protect sufficient for the kind of company as well as details included in Internet financial.

The post Electronic Banking Security Requires Several ‘Layers’ Of Security appeared first on ROI Credit Builders.

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Your Excellent Question: What is the Best Choice Business Credit Card for a 0% Balance Transfer?

The Best Choice Business Credit Card for a 0% Balance Transfer – Check Out the Hottest Cards!

You asked: What is the best choice business credit card for a 0% balance transfer? Our research turned up some stellar choices. So here are our favorites for a 0% balance transfer and other great perks.

According to the SBA, corporate credit card limits are a whopping 10 – 100 times that of personal cards!

This means you can get a lot more money with small business credit. And it also means you can have personal credit cards at shops. So you would now have an additional card at the same shops for your company.

And you won’t have to provide collateral, cash flow, or financial information in order to get business credit.

Credit card Benefits

Features vary. So make sure to choose the advantage you prefer from this assortment of possibilities. Because you may find that the best choice business credit card for a 0% balance transfer is not the best choice for you.

Reliable Best Choice Business Credit Card for a 0% Balance Transfer

For Low APR/Balance Transfers Business Credit Cards, we prefer the U.S. Bank Business Edge Platinum. So you start with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer fee.

After that, the purchase APR is a variable 10.49% – 18.49%. And this depends on creditworthiness. There is no yearly fee. But this card is just available to those with great or exceptional credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus from American Express

Also, have a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no annual fee.

Right now small businesses can get double points. But this is on the initial $50,000 in purchases per year.

Get it here: https://creditcard.americanexpress.com/blue/

Best Choice Business Credit Card for a 0% Balance Transfer: Cards with 0% APR – Pay Zero!

For a 0% APR time frame, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no annual fee. It’s got an interest-free time period. It has flexible cash-back rewards. There are spending limits for your employees. But you will have to have a credit score of 690 or better.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn double points on routine company expenses up to annual cap. But the regular APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

Best Choice Business Credit Card for a 0% Balance Transfer: Company Credit Cards for Luxurious Travel Points

For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is within your first three months. Terms and limitations apply.

Also earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made directly with Delta. Also, earn one mile per eligible dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also receive Gold Status when you sign up for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point per dollar spent on the majority of purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on eligible purchases. But this is up to one million additional points each year. Get five points per dollar. But this is for buying flights and prepaid hotels from the American Express Travel web site.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, make sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points. But this is once you spend $5,000 on purchases. And it is in your initial 3 months from account opening.

Get three points per dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, get one point per dollar on all other purchases. There is no limit to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

Best Choice Business Credit Card for a 0% Balance Transfer: Credit Builder Corporate Credit Cards – Make Your Credit Surge!

Check out the Wells Fargo Business Secured Credit Card. It enables cardholders to secure a credit limit of $500 – $25,000. The amount available is identical to the amount of funding you furnish to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the yearly fee is $25. But the more cards you have, the higher your annual fee is going to be.

This card lets company owners with poor personal credit to get a card to make purchases and establish business credit.

But the card will just report to the personal credit bureaus if you default or are late on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

Check out how our reliable process will help your business get the best business credit cards.

Best Choice Business Credit Card for a 0% Balance Transfer: Terrific Cards for Cash Back

Consider the SimplyCash Plus Business Credit Card from American Express. So you can earn as much as $400 cash back. Get a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to the initial $50,000 of yearly spending.

You also get 3% cash back on spending category of your choice. So this is from eight separate categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending.

Plus you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard

Also, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can get a $200 statement credit. But this is after $500 in purchases . And that is within 60 days of account opening.

You also get 3% cash back on purchases at gas stations and office supply stores. But this is as much as $250,000 yearly.

Also, you get 2% cash back on purchases at restaurants. And get 1% cash back on all purchases. Also, there is no annual fee. But it is available to applicants with outstanding credit.

But you can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Check out how our reliable process will help your business get the best business credit cards.

Spark Cash Select from Capital One

In addition, check out the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is without restrictions.

New cardholders can also get a $200 cash bonus. But that is as soon as they spend $3,000 on new purchases. So this is during the first three months of account opening.

New customers also get initial APR of 0% on purchases. But that is for nine months. Also, there is no yearly fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Best Choice Business Credit Card for a 0% Balance Transfer: Secure Corporate Credit Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will need a credit score of 690 or higher.

But BEAR IN MIND: the ongoing APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Check out how our reliable process will help your business get the best business credit cards.

Best Choice Business Credit Card for a 0% Balance Transfer: Unbeatable Cards for Jackpot Rewards

Take a look at the Business Gold Rewards Card from American Express OPEN. So you can earn 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card during first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the remaining categories.

Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year. But after that your annual fee rises to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Platinum Card from American Express OPEN

Also, take a look at the Business Platinum ® Card from American Express OPEN. So you can get up to 75,000 Membership Rewards points at the time of account opening.

Also get 50,000 Membership Rewards points. But this is after spending $10,000.

In addition, get 25,000 more points. But that is after spending an added $10,000 all on eligible purchases. But this is during the initial three months.

Also you can get five times the Membership Rewards points. So this is on flights and prepaid hotels on amextravel.com. But it has a $450 annual fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Your Best Choice Business Credit Card for a 0% Balance Transfer

Your very best choice business credit card for a 0% balance transfer will be dependent on your credit history and scores.

Only you can choose which features you want and need. So be sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make certain to build credit in the established order for the most mind-blowing, fastest benefits.



The post Your Excellent Question: What is the Best Choice Business Credit Card for a 0% Balance Transfer? appeared first on Credit Suite.

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On the Wings of an Angel: 10 Top Angel Investments You Might Not Have Realized Had Wings

And How to Make Your Business a Top Angel Investment

Angel investors come in all shapes and sizes.  From investment firms to your mom, virtually anyone can swoop in and lift a company up financially.  Some of the top angel investments have become companies that change the world.  Others, though not long lasting, still left their mark. What are some of the top industries angels invest in?  What are some of the most notable investments by top firms?

The top 20 angel investors focus heavily on ecommerce, mobile, and internet. Other than these, healthcare takes most of the rest of the cake.  You’ll see all of this reflected in our list below.  Now, without further ado, our list of top angel investments.

1.      Zogenix

This is the first of four healthcare related companies on our list.  The wings under this one belong to the Life Science Angels. They focus on finding relief for those suffering from rare diseases.

2.      Akebia

This company focuses on therapies for kidney disease and was funded by Queen City Angels.

3.      Vital Therapies

Another medical company, this one’s specialty is finding treatments for those with liver disease. The angel behind this one is Boston Harbor Angels.

4.      TaskRabbit

The first on our list that isn’t healthcare related, TaskRabbit is an innovative company that focuses on helping people get things done around the house.  Rabbits can help mount and install, move and pack, assemble furniture, do the heavy lifting, and handle general home improvement and handyman projects. The angel investment firm that lifted this one up

is Golden Seeds.

5.      NoWait

NoWait is a mobile app for restaurants.  Its purpose and goal is to optimize and streamline house management.  It tracks table turnover, analytics, and even the wait list to help the whole process run smoother for customers and employees in the restaurant business.  These wings were brought to you by Sand Hill Angels.

6.      Localytics

This is a marketing and analytics app that is designed to help those in the marketing industry keep better track of what works, and what doesn’t.  Its angel funds came from New York Angels.

7.      OpenBucks

The brain machine behind OpenBucks saw a definite need and sought to fill it.  There is a large population of people out there than cannot pay for things online because they do not have a bank account or a credit card.  OpenBucks gives these people a way to make online payments through gift cards, and they give merchants a way to accept payments from this population.  TiEAngels has ties to this one.

8.      Docusign

The world was truly changed with the ability to not only send, but also to sign documents electronically.  There is no telling how much time has been saved by the use of Docusign.  Their angel wings belong to Alliance of Angels.

9.      HealthSpot

This is one of those that isn’t around anymore.  They had a strong idea with healthcare kiosks,but it just didn’t catch on.  It changed the world’s view of what medical could and should be however, and for that they earned a place on this list.  The firm known as Blue Tree Allied Angels took a chance on them.

10. DoorDash

Food delivery, both from restaurants and grocery stores, is a fierce industry right now.  Instacart, GrubHub, UberEats, and now DoorDash all want a piece of the pie.  Depending on your region, you may have all of these available, or none of these, or some combination.  DoorDash definitely seems to have a larger slice in many areas, which is why Keith Rabois lent his wings too it.  Now with Founders Fund, Rabois is a former big shot at PayPal and LinkedIn. He now stays closer to education, sports, loyalty programs, and marketplaces.

Hit the jackpot with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

This list of top angel investments and industries can be helpful to you, because it can help you determine if an angel investor is right for you.   However, just fitting in to what investors seem to be looking for at the time doesn’t seal the deal.  Attracting angel investors and convincing them to come along for the ride takes more effort than that.

Angel Investor or Venture Capitalist?

What is the difference between the two, and how do you know which one to pitch to? There are a few differences, and knowing them can actually help you decide.

Where the Money Comes From

Venture capital typically comes from a firm that uses a pool of money from various smaller investors.  Angel investors use their own funds, though there are angel investment firms that allow angels to pool their money.  Venture capitalists rarely use personal funds for investments.

Why and When They Invest

While both types of investors expect a profit, angel investors usually expect less.  In the beginning, they are looking more to help the business get started.  Venture capitalists tend to lend toward businesses that are already established.

This means that, while still looking for a profit, angel investors are willing to take on more risk.

Which One is Right for You?

If you are a startup, an angel investor is going to be much more likely to invest than a venture capitalist.  Often, they even come in the form of friends and family. If you do not have friends or family ready to invest, you may need to convince an unknown angel investor that you are destined to be one of their top angel investments.

How to Convince an Angel Investor to Come on Board

While there are never any guarantees, there are some steps you can take that are looked upon favorably by investors.

Hit the jackpot with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

  1. Don’t rush them.

Investing in a business is a huge deal.  It takes time to make such a decision, and you should not ant them to take it lightly. Plan your time table around this so you can give them the time they need without rushing them or stressing yourself out.

  1. Play devil’s advocate.

Of course, you want to show confidence, portraying your belief with certainty that everything will go off without a hitch.  However, one thing many top angel investments have in common is that they plan for the unexpected.  When you present, show potential investors that you have taken the time to consider as many scenarios as possible and have a plan for each.

  1. Be clear with the numbers.

You need to run all the numbers.  Most of your numbers are going to be projections.  You, of course, will have to show what funds you already have, how they are budgeted, and how you plan to budget any future investment funds.

What if Being One of the Top Angel Investments is Not Enough?

Say you land an angel but you still need more.  What are your options?  You can always pitch to more than one angel investor.  Many of the top angel investments have multiple angels. There are other options for small business funding as well.

With startups however, it can be difficult to find funding not attached to your personal credit, which is a major draw of angel investors.  If you have a lower personal credit score, finding funding for your business can be a huge challenge. The better option is to find funding based on your business credit.  The problem then becomes, for startups and some established business, how do you get business credit?

A new business certainly will not have a business credit score, and a business that already exists but has all funding through personal credit will not either.

How to Establish Business Credit Even With Top Angel Investments

The most important thing when establishing business credit is to establish your business as a separate entity.  This is because your business credit is a credit score just for your business.  It is not related to your personal credit score at all.

How do you do that?  It is easiest to start at the very beginning, but if you have already been running your business for a while you can still do it.

Incorporate

It is possible to run a business without incorporating, but you should definitely not skip this.  There is a cost associated with incorporation, but there are a few different options, so you should be able to find a balance between cost and what is actually beneficial to you.

Choose between organizing as a corporation, an S-corp, or a Limited Liability Corporation.  They differ in cost and level of liability protection, but they all function equally when it comes to separating your business from your personal identity.

Get an EIN

Equally as important as incorporation is getting an EIN.  This is an identifying number for your business.  It acts similar to a social security number, but for your business.  Once you have this, there will be no need to associate your SSN with your business for credit application purposes.  Applications will sometimes ask for your SSN as a way to deter identity theft, but if you have an EIN and business credit, your SSN will not be used to determine credit risk or pull your personal credit score in many cases.

Contact Information

Your business will need its own address, phone number, email address, and website.  The address should not be your home address.  The best option is an actual, physical location separate from your own.

Hit the jackpot with our best webinar and its trustworthy list of seven vendors who can help you build business credit.

The phone number should be a toll-free number, and it needs to be listed in all the directories under the business name.  As for email address, it should have the same URL as the website, and not be from a free service.  Gmail and Yahoo addresses are not acceptable in this situation.

The website has to look and feel professional.  If you cannot hire someone who knows what they are doing, consider bartering.  A website is a must these days, but one that is poorly made, has grammatical errors, or with broken links is actually just as damaging as not having one, if not more so.

Dun & Bradstreet

There are a few different business credit reporting agencies, but Dun & Bradstreet is by far the largest and most widely used.  They thing is, they require businesses to have their own identifying number, called a DUNS number, in addition to and EIN, before a credit file can be opened.

To get a DUNS number, go to the Dun & Bradstreet website and apply for one.  It’s free, but they will try to sell you other services.  Resist the temptation.  You do not need them, and the number, which you do need, is free.

Open a Business Bank Account

If you have an angel investor, they will likely require this anyway.  Either way, you need a separate bank account to help separate your business from yourself for credit building purposes.  Do not pay personal expenses from this account, though you can pay yourself a salary from it.

Build Business Credit Even with Top Angel Investments

Building business credit is important even if you are able to land a great angel investor.  Once you have your business set up as a separate entity, you can get busy.  On the front end, it can seem impossible.  After all, you have to have credit to get credit, right?

angel investors credit suite

Essentially, this is true, but there are some vendors, we call them “starter vendors,” that will extend net 30 terms on invoices and report those payments to the credit reporting agencies.  These starter vendors are part of the vendor credit tier, and they do not check your credit score.

They may require you to make a few initial purchases or be in business for a minimum amount of time before they will extend net terms, but once you have those terms, you credit building will begin.  Just be sure to make the payments!  They will report it if you do not pay also, which has the opposite effect of course.

You can also request that your landlord and utilities report payments.  They do not have to, but some will if you ask.  The more accounts you have reporting on-time payments, the faster your business credit will grow.

Learn from the Top Angel Investments

What do all top angel investments have in common?  Someone believed in them.  While this has everything to do with your brilliant business idea and ability to execute, having a great start on business credit helps a ton.  If an angel investor can see that you are able to continue operations with or without their funds, they are going to want in even more. Set up your pitch, find the angel investor, and get started building business credit now so your business has nowhere to go but up.

 

 

 

The post On the Wings of an Angel: 10 Top Angel Investments You Might Not Have Realized Had Wings appeared first on Credit Suite.

Your Excellent Question: What is the Best Choice Business Credit Card for a 0% Balance Transfer?

The Best Choice Business Credit Card for a 0% Balance Transfer – Check Out the Hottest Cards!

You asked: What is the best choice business credit card for a 0% balance transfer? Our research turned up some stellar choices. So here are our favorites for a 0% balance transfer and other great perks.

According to the SBA, corporate credit card limits are a whopping 10 – 100 times that of personal cards!

This means you can get a lot more money with small business credit. And it also means you can have personal credit cards at shops. So you would now have an additional card at the same shops for your company.

And you won’t have to provide collateral, cash flow, or financial information in order to get business credit.

Credit card Benefits

Features vary. So make sure to choose the advantage you prefer from this assortment of possibilities. Because you may find that the best choice business credit card for a 0% balance transfer is not the best choice for you.

Reliable Best Choice Business Credit Card for a 0% Balance Transfer

For Low APR/Balance Transfers Business Credit Cards, we prefer the U.S. Bank Business Edge Platinum. So you start with twelve months of 0% APR financing on new purchases and balance transfers. There is a 3% balance transfer fee.

After that, the purchase APR is a variable 10.49% – 18.49%. And this depends on creditworthiness. There is no yearly fee. But this card is just available to those with great or exceptional credit. But there is no rewards program for purchases.

Get it here: https://www.usbankedge.com/credit/business-edge-platinum.do

Blue Business Plus from American Express

Also, have a look at the Blue Business Plus Credit Card from American Express. It has a 15-month initial 0% APR offer. There is no annual fee.

Right now small businesses can get double points. But this is on the initial $50,000 in purchases per year.

Get it here: https://creditcard.americanexpress.com/blue/

Best Choice Business Credit Card for a 0% Balance Transfer: Cards with 0% APR – Pay Zero!

For a 0% APR time frame, we prefer the Ink Business Cash ℠ Credit Card. Also, you pay no annual fee. It’s got an interest-free time period. It has flexible cash-back rewards. There are spending limits for your employees. But you will have to have a credit score of 690 or better.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-cash

Blue Business Plus from American Express

For an introductory 0% APR period, we also prefer the Blue Business ℠ Plus Credit Card from American Express. So it has an introductory 0% APR for 15 Months. Also, you can earn double points on routine company expenses up to annual cap. But the regular APR is 12.24% – 20.24%. So this APR is variable.

Get it here: https://creditcard.americanexpress.com/blue/

Best Choice Business Credit Card for a 0% Balance Transfer: Company Credit Cards for Luxurious Travel Points

For Travel Points, we like the Gold Delta SkyMiles Business Credit Card from American Express. Get 30,000 bonus miles. But this is after you make $1,000 in purchases on your new card. And it is within your first three months. Terms and limitations apply.

Also earn a $50 statement credit. But this is after you make a Delta purchase with your card. And it is in your first three months. Earn two miles per dollar spent on purchases made directly with Delta. Also, earn one mile per eligible dollar spent on purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/gold-delta-skymiles/44279

Business Platinum from American Express

Check out the Business Platinum Card from American Express. Travel benefits including access to these airport lounge networks:

  • Priority Pass Select
  • Delta SkyClubs
  • American Express Centurion Lounges

You also receive Gold Status when you sign up for the Starwood Preferred Guest program. There is also a $200 yearly air travel fee credit.

There is a $100 credit towards the Global Entry application fee, which includes access to TSA PreCheck program. And you also get one point per dollar spent on the majority of purchases.

Also, you get 1.5 times the points. But this is on charges of $5,000 or more. And it is on eligible purchases. But this is up to one million additional points each year. Get five points per dollar. But this is for buying flights and prepaid hotels from the American Express Travel web site.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Ink Business Preferred from Chase

Also, make sure to check out the Ink Business Preferred Card from Chase. Get 80,000 bonus points. But this is once you spend $5,000 on purchases. And it is in your initial 3 months from account opening.

Get three points per dollar. But this is on the first $150,000 spent in combined purchases on travel, shipping purchases, internet, and cable and phone. It is also on advertising purchases made with social media sites and search engines. But this is for each account anniversary year.

Also, get one point per dollar on all other purchases. There is no limit to the amount you can earn.

Get it here: https://creditcards.chase.com/credit-cards/small-business/ink-business-preferred

Best Choice Business Credit Card for a 0% Balance Transfer: Credit Builder Corporate Credit Cards – Make Your Credit Surge!

Check out the Wells Fargo Business Secured Credit Card. It enables cardholders to secure a credit limit of $500 – $25,000. The amount available is identical to the amount of funding you furnish to secure the line.

Your purchase APR rate can be as low as a variable 13.15%. And the yearly fee is $25. But the more cards you have, the higher your annual fee is going to be.

This card lets company owners with poor personal credit to get a card to make purchases and establish business credit.

But the card will just report to the personal credit bureaus if you default or are late on payments.

Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/

Best Choice Business Credit Card for a 0% Balance Transfer Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Best Choice Business Credit Card for a 0% Balance Transfer: Terrific Cards for Cash Back

Consider the SimplyCash Plus Business Credit Card from American Express. So you can earn as much as $400 cash back. Get a $200 statement credit. But this is after spending $5,000.

Also, get 5% cash back at US office supply stores and on wireless phone services. So these must be bought from US service providers. But this applies to the initial $50,000 of yearly spending.

You also get 3% cash back on spending category of your choice. So this is from eight separate categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of yearly spending.

Plus you get 1% cash back on all other purchases.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279

Bank of America Business Advantage Cash Rewards MasterCard

Also, check out the Bank of America Business Advantage Cash Rewards MasterCard Credit Card.

With it, you can get a $200 statement credit. But this is after $500 in purchases . And that is within 60 days of account opening.

You also get 3% cash back on purchases at gas stations and office supply stores. But this is as much as $250,000 yearly.

Also, you get 2% cash back on purchases at restaurants. And get 1% cash back on all purchases. Also, there is no annual fee. But it is available to applicants with outstanding credit.

But you can only redeem your cash back in $25 increments.

Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/cash-rewards-business-credit-card/

Best Choice Business Credit Card for a 0% Balance Transfer Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Spark Cash Select from Capital One

In addition, check out the Spark Cash Select from Capital One. So you get 1.5% cash back on all purchases. So this is without restrictions.

New cardholders can also get a $200 cash bonus. But that is as soon as they spend $3,000 on new purchases. So this is during the first three months of account opening.

New customers also get initial APR of 0% on purchases. But that is for nine months. Also, there is no yearly fee.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Best Choice Business Credit Card for a 0% Balance Transfer: Secure Corporate Credit Cards for Fair Credit

For Fair Credit, we like the Capital One Spark Classic for Business. It has no annual fee. There are cash-back rewards. But you will need a credit score of 690 or higher.

But BEAR IN MIND: the ongoing APR is 23.99% variable APR.

Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Best Choice Business Credit Card for a 0% Balance Transfer Credit Suite

Check out how our reliable process will help your business get the best business credit cards.

Best Choice Business Credit Card for a 0% Balance Transfer: Unbeatable Cards for Jackpot Rewards

Take a look at the Business Gold Rewards Card from American Express OPEN. So you can earn 50,000 Membership Rewards points. But this is after $5,000 in purchases on the card during first three months.

Also, you get three points on your choice of five categories. In addition, get two times the points on the remaining categories.

Also, get one point per dollar on all other purchases. It has a $0 yearly fee for the first year. But after that your annual fee rises to $175.

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-gold-rewards

Business Platinum Card from American Express OPEN

Also, take a look at the Business Platinum ® Card from American Express OPEN. So you can get up to 75,000 Membership Rewards points at the time of account opening.

Also get 50,000 Membership Rewards points. But this is after spending $10,000.

In addition, get 25,000 more points. But that is after spending an added $10,000 all on eligible purchases. But this is during the initial three months.

Also you can get five times the Membership Rewards points. So this is on flights and prepaid hotels on amextravel.com. But it has a $450 annual fee. Yikes!

Get it here: https://www.americanexpress.com/us/small-business/credit-cards/business-platinum/44279

Your Best Choice Business Credit Card for a 0% Balance Transfer

Your very best choice business credit card for a 0% balance transfer will be dependent on your credit history and scores.

Only you can choose which features you want and need. So be sure to do your homework. What is excellent for you could be disastrous for someone else.

And, as always, make certain to build credit in the established order for the most mind-blowing, fastest benefits.



The post Your Excellent Question: What is the Best Choice Business Credit Card for a 0% Balance Transfer? appeared first on Credit Suite.

How to Rank Your Old, Outdated Content

What percentage of your search traffic is driven by your top 10 pages?

Chances are, it’s a large portion.

Just look at the screenshot below. You’ll see that my top 10 pages drive 28.7% of my search traffic.

top pages current

That may not seem like a high number, but I have 5,441 blog posts. In other words, 0.1% of my pages make up 28.7% of my search traffic.

Typically, with smaller sites, the percentages are much higher in which the top 10 pages make up the majority of their search traffic.

So, what does that tell you?

You should just focus on your top 10 pages and ignore the rest? Or, even worse, just focus on cranking out more new content?

Quality over quantity

I used to have the philosophy of “more is better.” I was cranking out dozens of articles each week. At one point, I was publishing 2 articles a day on this blog.

And, over time, my traffic grew, but not by much.

I was spending all of this time writing and realized that the majority of the content I was publishing never ranked.

So, what did I do?

I started focusing on my old, outdated content to boost my traffic.

Just think of it this way: Every week I publish one new piece of content, but my team, on average, is updating 23 older articles.

When I used to write more frequently, my top 10 pages made up 33% of my search traffic.

top pages

Since then, I have increased my search traffic by 107% and reduced my reliance on my top 10 pages by 13%.

So how did I do this? Well, as I mentioned, I have my team focus on updating my old, outdated content while I focus on creating new content.

Here’s exactly what I have my team implement, step by step.

Look for pages that were once loved

With Google Search Console, you have access to data for a much longer period of time. You can go back up to 16 months.

So, I want you to compare this month’s results during the same period as last year.

You can do this by clicking on “date” and then “compare.” Next, select your older date period first (should be roughly from a year ago) and then select today’s date period.

date range

I’ve been doing this for a while, so I selected an older date range so you can see a better set of data before my team really focused on updating old content.

You should then see a report that looks something like this:

compared

What you’ll want to do is look for articles that used to get a ton of traffic and have less now. From the screenshot above, you can see that my article on Instagram used to perform really well, but no so much anymore.

Keep in mind that I selected the older date range first. I did this to see which of my old pieces of content used to rank well so I can see if any of them have dropped over the last 12 months.

This will show you old content that Google used to love, but no longer does.

Now, let’s find content that Google never loved.

Look for pages Google never loved

Log back into Search Console and look for pages that have a high impression count but never got any real clicks.

The easiest way to find these pages is to set your date range to the last 28 days and look at each page’s metrics from an impression, click, and CTR perspective.

Sort the CTR column in ascending order (lowest percentage at the top, the highest percentage at the bottom).

search ctr

Typically, the pages at the top of that list have the most potential. It means that Google is ranking you but you just aren’t getting too many clicks.

It usually isn’t just related to your title tag and meta description. It typically has to do with the content on the page.

Now it’s time to create a list of pages that have the greatest potential.

It’s time to prioritize

Typically, the pages that have the most potential are the ones that used to rank but no longer rank. Google used to rank and like them, which means if you give those pages a little tender loving care, you can easily get them loved by Google again.

The second group of pages that have potential, but not as much as the first, are the ones with a high impression count but an extremely low CTR.

These pages are harder to fix because they never really performed that well.

How to update your old content

Now that you have a list of pages to fix so you can boost your search engine rankings, I want you to log in to Google Search Console, find that article, click on it, and then click on “queries.”

queries

For the keywords that don’t rank in the top 5 or have a high impression volume, I want you to go to your ranking article and see if the article is relevant for that term.

If not, adjust the article to at least include that term and cover that topic.

For the terms you already rank for in the top 5 spots, head over to Ubersuggest and type in those keywords and click on the keyword ideas report.

customer acquasition

You’ll then see a report with all of the long-tail variations of that keyword.

If you adjust the article and include any of the long-tail phrases Ubersuggest gives you, you’ll see quick traffic gains.

In other words, if you already rank for the head term, it’s not hard to rank for the long-tail variation of it as well.

In addition to including the right keywords, you’ll want to update the post. Make sure all of the information is relevant, the pictures are up to date, and if you could include any multimedia (like embedding relevant YouTube videos) you’ll be able to increase the time on site of your visitors.

Finally, when updating your content, make sure your article is more thorough than all of the other sites that rank for the terms you are trying to rank for.

Remember that keyword ideas report I had you check out on Ubersuggest? On the right-hand side of that report, it shows you all of the sites that rank for that keyword.

keyword rankings

You can quickly see who’s currently ranking in each country, visit their web page, and make sure you create something better.

User metrics

User behavior is one of the biggest factors with Google’s algorithm.

Once you update your old content, you’ll want to optimize for user signals as that’ll help boost rankings.

A great example of user metrics is optimizing your title tags and meta description.

For example, if everyone searched a keyword on Google and clicked on the second result instead of the first, it tells Google that the second result is more relevant and that it should be ranking in the first spot instead of the second.

And Google eventually would make that change.

If you can use persuasive copy and convince people to click on your search listing instead of the competition, eventually your rankings will climb. And you can do so by following these 2 articles:

  1. How to Craft Amazing Headlines
  2. How to Write Copy like Apple

Over the years, I’ve done a lot of title tag and meta description tests and I’ve also found that these keywords help increase clicks:

  • What is
  • Best
  • Amazing
  • [lists]
  • How to
  • Free
  • You
  • Tips
  • Why
  • Tricks
  • Great

You can also use tools like Clickflow to A/B test your meta tags.

Don’t forget to promote (again)

Now that your content is up to date and you’ve optimized your meta tags for clicks, it’s time for you to promote your content.

I know what you are thinking… why would you promote old content, right?

Well, technically it isn’t old anymore.

First of all, you should update the published date or last updated date within your WordPress.

published

That way search engines know your content is changed, more relevant, and up to date.

Secondly, you need to promote the article. It’s new now, so why wouldn’t you share it with the world?

The simplest thing you can do is share it on the social web. I typically share my content on Facebook, Twitter, and LinkedIn… but you can pick whatever social profiles you have.

Although Google doesn’t really look at social signals, Bing does. Plus, some people who visit your page from the social web may decide to link to your article, which does help rankings.

And if you want to go above and beyond, check out Meet Edgar. It’s what I use to continually schedule my old content to be promoted on the social web. That way I don’t have to manually do it or set reminders.

In addition to social shares, you should consider sending out a text-based email blast to your audience promoting your content.

It’s a great way to get a quick boost of traffic and breathe life into your old content.

Here’s an example of a text-based email blast that I send so you can copy my format.

Subject: How to Generate 10K visitors from a Brand New Blog in Under 6 Months

If I tell you to do 100 things to grow your traffic, I know you won’t do it.

Heck, even I wouldn’t. It’s just too much work.

In the spirit of simplicity, just do this and you’ll get to 10,000 visitors.

I’ll even make a deal with you. If you follow it and don’t hit 10,000 visitors and you can show me you followed it, I will help you for free.

That’s how confident I am that it works.

Cheers,

Neil Patel

email stats

As you can see, simple text-based emails are generating 30% open rates and 6% click rates for me. Not too shabby.

You can also use tools like Subscribers to send out a push notification. Every time I update a post I send out a push. Look at my stats… I can easily generate an extra 7,000 visitors from a single push.

push stats

And don’t forget to build links

The last step you want to leverage is link building. You can use Backlinks to see who is linking to competing articles:

backlinks

All you have to do is put in a competing URL and select “URL” from the drop-down menu and you’ll see every site that links to that page.

From there, you’ll want to reach out to each site and ask them to link to you.

The easiest way to do this is to leverage the skyscraper technique and the steps in this article.

Conclusion

Once you hit the 150 mark in the number of pages on your site, you should consider focusing the majority of your time to updating old content instead of creating new content.

If you have over 1,000 pages, you should definitely spend 80-plus percent of your time updating old content instead of writing new content.

The key to ranking your old, outdated content is to first focus on the content that used to rank but doesn’t anymore.

Once you fix those pages, you should see results within a month or two. From there, you can then focus on pages that have a high impression count but a low click count.

So, are you going to focus your time on ranking your old content or creating new content?

The post How to Rank Your Old, Outdated Content appeared first on Neil Patel.

How a big idea persuades a jury, and you can persuade your prospect

I know this isn’t you, right? But the biggest problem most marketers face is they just don’t invest the time to flesh out a clear, compelling big idea.

They throw together a lousy idea, then think the way to improve it is to load it up with hype-y copy or false scarcity or a lot of countdown timers and widgets.

If you look at a company like Agora, a half-a-billion-dollars-a-year behemoth, you will notice that they don’t have that. They don’t rely on false scarcity.

Not that you should never use scarcity in your marketing. But scarcity can’t be the only thing you rely on to make a sale. We are in the idea business, not the scarcity business.

As Mark Masterson drilled into me, “Until you have a rock solid single idea that you can explain to someone in 15 seconds, and have them say immediately, ‘Wow! I’d love to hear more about that!’, then you don’t have a good idea.”

When your prospect says, “Tell me more!” to you, it means they are intellectually and emotionally interested, and they are excited about the payoff.

Lousy headlines come from lousy ideas

How often have you seen a headline like, “How to get rich with stocks!” It’s a boring headline because it’s a very weak idea!

So then the marketer tries to spruce it up and writes: “How to get filthy rich with stocks! How to get wealthy!” It just doesn’t help because at the root, it’s still a lousy idea.

It could take you YEARS to mine a gold nugget worth $100,000

Setting up a marketing funnel that generates 6-figures can be done in less than 30 days…

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Establish beliefs

Here’s the right way to do it.

Develop a big idea that gets attention and creates engagement. Then share your message by bringing your prospect through an EBM sequence. This sequence must be designed to get them to believe what they need to believe in order to make a buying decision. That is persuasion. It’s not selling.

Selling is when you’re talking about you, the product, the product’s features, the benefits, the advantages, and the price point. All of that information should be the last 20 to 25% of the funnel. But you can’t even go there – to the selling part – until you know they have the right beliefs that have prepared them to buy.

Be like a prosecutor

That’s why I love the analogy of the prosecutor.

When a prosecutor presents a case to a jury, at the end, he wants the jury to find the defendant guilty. So he has to lead them to a point where they have developed certain beliefs. And the end result of holding those beliefs is to say, “Yes, this guy is guilty.”

If you lead them through that process effectively, when you get to your closing argument – your call to action – they are ready to pronounce the defendant guilty.

For you, as a marketer, the prosecutor’s closing argument is the equivalent of the sales portion of the funnel, as I said, the last quarter of the EBM content.

The first three-quarters of the content is when you establish beliefs in the mind of your prospect, in the same way the prosecutor establishes beliefs in the minds of the jury. Only then do you present YOUR closing argument, the sales portion of your content.

To do this well, you have to go deep. Don’t just ask, generically, “What do my prospects believe?” Instead, ask, “What do they need to believe about ME? What do they need to believe about the INDUSTRY? What do they need to believe about THEMSELVES?” Create content that educates them while instilling these core beliefs.

Do some research in forums and in Amazon and in social media groups, and identify as many as six or seven different beliefs.

THEN develop your big idea. Make it something intellectually and emotionally interesting. Something compelling. Something that catches their attention immediately because it speaks to their core beliefs.

Only then are they ready to buy.

The post How a big idea persuades a jury, and you can persuade your prospect appeared first on Marketing Funnel Automation.

Which Source Is Better For Bad Credit Student Loans

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