Article URL: https://www.ycombinator.com/companies/directshifts/jobs/qAoQPBc-full-stack-engineer-at-directshifts-yc-s19
Comments URL: https://news.ycombinator.com/item?id=31248028
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Article URL: https://www.ycombinator.com/companies/directshifts/jobs/qAoQPBc-full-stack-engineer-at-directshifts-yc-s19
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Human well-being is neither a skill nor a virtue, and no business-school course can teach it.
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It looked as though Red Bull would be the clear favourites in qualifying yet rivals Mercedes came away with a front-row lockout for Sunday’s grid, so what went wrong?
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Article URL: https://www.themuse.com/jobs/themuse/senior-site-reliability-engineer Comments URL: https://news.ycombinator.com/item?id=27494167 Points: 1 # Comments: 0
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Got budget gaps in your business? If there’s anything that 2020 has taught us, it’s that what we think is a sure thing, just might not be. That includes the cash flow of a business.
Budget and funding gaps are large for newer businesses. If you don’t have a lot of clients, you might offer them better terms to attract their business. Sweetening the pot can help overcome a client’s initial skepticism. So just like a starter vendor, you might be offering Net 30 terms.
Offering Net 30 or Net 60 or even Net 90 terms is a great strategy to develop business relationships. But you end up with a lot of time between providing your good or service and getting payment for them. But in the meantime, your business’s bills have to be paid, and you have to make payroll no matter what.
An MCA technically isn’t a loan. Rather, it is a cash advance based upon the credit card sales of a business. A small business can apply for an MCA and have an advance deposited into its account fairly quickly. So you can offer Net 30 terms, but not have to wait a month for payment.
A merchant financing program is ideal for business owners who accept credit cards and are looking for fast and easy business financing. An MCA program is designed to help you get funding, based strictly on your cash flow as verifiable per your business banks statements. As a result, lenders in general will not ask for any burdensome document requests.
Not asking for a lot of documents, is not like what most conventional lenders demand. These can include financials, business plans, and resumes. Best of all, you can get approval regardless of personal credit quality. You don’t even need collateral. Your business’s credit card receipts and business bank statements do all the talking.
Merchant cash advance providers weigh risk and credit criteria differently from how a banker does. An MCA provider looks at your company’s daily credit card receipts. This is to determine if your business can pay back the funds in a timely manner. In essence your small business “sells” a portion of future credit card sales, this is in exchange for immediate payment.
Rates on a merchant cash advance can be much higher than other financing options. Depending on the company, rates can end up being prohibitively high. As a result, it’s crucial understand the terms you’re being offered. That way, you can make an informed decision about whether an MCA is worth it.
To determine approval, the lender will review 3 months of your bank and merchant account statements. All the lenders are looking for is consistent deposits. They want to see deposits showing your revenue is $50,000 or higher per year. They will also verify that you have been in business 6 months or more.
Lenders are also looking to see that you don’t have a lot of Non-Sufficient-Funds (NSFs) showing on your bank statements. They want to see you don’t have a lot of chargebacks on your merchant statements. And they want to see that you have more than 10 deposits in a month going into your bank account. In essence, they want to see that you manage your bank and merchant accounts responsibly. And they want to see that have a decent number of consistent credit card transaction deposits each month.
The small business owner and MCA provider agree on the advance amount, payback amount, holdback, and term of the advance. Once an agreement is made, the advance is transferred to the business’ bank account. This is in exchange for a future percentage of credit card receipts.
Each day, an agreed upon percentage of daily credit card receipts are withheld, to pay back the MCA. This is called a holdback. The holdback will continue until the advance is paid in full.
A business that uses a merchant cash advance will typically pay back 20% – 40% or more of the amount borrowed. This percentage is called the factor rate. There’s a difference between the holdback amount that a small business pays every day, which is a percentage of sales receipts, versus the repayment amount for the entire advance.
There could, for example, be a holdback of 15% and a repayment of 30%. It’s important for business owners to understand this distinction.
A holdback percentage is based on the amount of funds a business gets, how long it will take to pay back the money, and how big monthly credit card sales are.
Access to a business owner’s merchant account eliminates the collateral requirement needed for a traditional small business loan. Since repayment is based upon a percentage of the daily balance in the merchant account, the more credit card transactions a business does, the faster they can repay the advance.
One great plus when it comes to MCAs, is they are based on percentages. So if transactions are lower on any given day, the draw from the merchant account will also be less. This means that during times of slow business, the business’ payback is relative to incoming cash flow.
Our merchant financing program is perfect for business owners with credit issues. Lenders are not looking for, nor do they require good credit to qualify. You can even get approval with severely challenged personal credit and low credit scores. You can get approval regardless of personal credit quality, even if you have recent derogatory items and collections on your credit report.
This is one of the best and easiest business financing programs in existence, that you can qualify for even if you have personal credit problems. You can get approval for as much as $500,000 in financing, with no collateral requirements and bad credit.
You can get pre-approval for our merchant financing program within 24 – 48 hours. You can get your formal approval and funds within 72 hours of submitting your application. Our clients love this program partially due to how easy it is to apply and get approval and how FAST you get your funds!
Loan amounts and qualifications depend on credit card statements. Go from application to funding in 3 days or less. Get approval for additional future funding.
Easy merchant statement review for approval. No application fees. Get approval with bad credit. There are no collateral requirements.
The only financials you need are 3 months of bank statements. Get approval with revenues of $50,000 or less. Starter programs are also available. Get 3 – 36 month terms. Get approval for up to one month’s revenue with our proven solution.
Over 80% of our clients come back for even more financing, after their initial approvals with our Revenue and Merchant Financing programs. Typically within 3 – 6 months of approval, you will get an opportunity to get even more money than you got before. And all you will need to get approval for more funding is, a quick review of your last 3 months of bank statements
You can get your money in your bank account within 24 hours or less! We also provide you access to merchant credit lines. So you can have consistent access to cash. Our merchant financing program helps you rapidly grow and scale your business. You will have ongoing access to receive more and more funding easily and very quickly when you need it!
Many businesses have budget gaps due to giving better terms to their clients, or for any other reason. Merchant cash advances are one excellent way to bridge the money gap. Understand the numbers and know what you’re getting yourself into. Always ask questions if you don’t understand something. And check out Credit Suite’s merchant financing program for fast money. Let’s take the next step together.
The post How Do Merchant Cash Advances Work? appeared first on Credit Suite.
Between the sound equipment, hosting options, learning to edit, and everything else that goes into starting a podcast, the very concept can be overwhelming. But, I’ll let you in on a little secret: It isn’t that difficult to start a podcast.
In fact, you can get one up and running in about two weeks. In this post, I’ll outline exactly how to do that.
The order of my steps might look a little wonky to you. That’s because if you’re going to start a podcast in two weeks, actions you may typically hold off on need to occur earlier because they take longer to complete.
By no means should any of these tasks be completed in a day. The day simply indicates when you should kick off each step.
While this timeline is here to give you an idea of how to prioritize your work, you needn’t follow it to the letter. If you’re working with a team, some of these steps can happen simultaneously.
For instance, you can have your creative department working on your artwork while editorial hashes out the content calendar and you reach out to potential guests.
According to Edison Research, the number of monthly podcast listeners in the U.S. grew by 17 million people from 2018 to 2019. And the number of podcast listeners is expected to increase by 20 million each year, passing 160 million by 2023.
Suppose you’re looking for a new avenue to build revenue, raise awareness, or improve conversions. In that case, podcasting may just be the way to do it—particularly if you’re trying to reach a younger audience. In 2020, according to Statista, almost 50% of podcast listeners were between the ages of 12 and 25, and 40% were between 25 and 54.
Horror writer Stephen King has written more than 50—and sold about 350 million—books. His advice to new writers? Read. Read everything you can get your hands on because reading other people’s work and understanding how all kinds of novels are written informs your own writing.
The same is true of podcasting. Listen to all kinds of podcasts from a variety of genres. Listen to radio shows, too, both old and new. They are, after all, the ancestors of the modern podcast.
Take notes when you hear something you like—a format, an interview technique, an introduction, anything. When it’s time to construct your podcast, you can pull out your notes and incorporate those elements into your show.
At the very least, you’ll need a decent microphone, some recording and editing software, and a quiet place to record your podcast.
While you can use a computer microphone, an external microphone, preferably one with a pop filter, will pick up the sound of your voice better without too much background noise. You should also consider getting an isolation shield if your microphone setup allows one.
And that quiet place to record your podcast? Choose a small space if you can, ideally one with a door that can close and a fair amount of insulation in the walls.
If you can set up a room with soundproofing panels, all the better. Not only will all this cut down on background noise, but it will also reduce echo in the room.
If all that isn’t possible, something as simple as a clothesline with a blanket hanging off it surrounding your recording space can make a world of difference. You can get a special acoustic blanket or just use one from your linen closet.
Finally, research and choose the best recording and editing software for your podcast. The most popular recording apps include
But you could even use Skype, Zoom, or Otter.ai to do your recording, then upload your file to one of the programs above so you can edit.
Every part of your content plan has a goal, right? So what would a podcast do for you? Would it:
Keep in mind that all content has the same ultimate goal: To solve a problem, or a pain point, for their audience.
For example, my Marketing School podcast, which I co-host with Eric Siu, directly addresses the brands’ marketing pain points. Each week, we share and discuss best practices to help brands grow their businesses.
But some branded podcasts aren’t so direct in their approach. Some brands even create content purely for entertainment—but even this kind of content solves a problem: boredom.
For example, GE has two science fiction podcasts: The Message and its sequel, Life After. These weave in existing GE technology to decode alien messages and solve futuristic problems.
But there are plenty of ways to solve a problem for your audience while accomplishing your content goals.
GE’s goal is to raise awareness of its tech and expand its audience.
Our goal at Marketing School is to raise awareness of our content marketing services and increase conversions.
No matter your goal, remember this: A podcast can generate more than a 4% increase in brand recall, and 61% of listeners exposed to podcast ads for major brands were more likely to buy those products.
So, what’s the problem you’re trying to solve for your audience? How will you solve it?
If you already have a strong social media presence, you may have your target audience and audience personas ready to go. And you can use your podcast to reach that audience on a different channel, particularly if they’re moving away from traditional social media.
But consider using podcasts to expand your audience. A podcast, after all, should fit into your holistic content marketing strategy. It can be yet another tool to grow awareness of your brand.
In that case, identify the audience you want to make aware of your brand—and make sure it’s one you can reach through podcasting in the first place.
I’ve talked a little bit about the format already. For example, my podcast is either a monologue or dialogue format, whereEric and I—together or separately—discuss a content or social media marketing topic and share our insights.
Monologue or dialogue formats are great for educational and how-to podcasts.
GE’s podcast follows a theater format, reminiscent of the radio dramas of old. It’s a great entertainment format. GE found a creative way to include their products, but not all brand-related podcasts directly discuss their products.
Some of the other more popular podcast formats include:
The interview podcast is just that; a question-and-answer format where the host interviews guests on a topic related to the podcast’s content goals.
Founder and CEO of Foundr magazine, Nathan Chan, interviews entrepreneurs and startup executives in his podcast, Foundr Podcast, to help educate other entrepreneurs on everything from marketing to raising capital to growing their business.
For an informal discussion, two or three people, whether they be hosts or one host and guests, choose a topic and discuss it freely without a script. A host may have a few bullet points to keep the conversation on track, but there is no other script to speak of.
Slate Magazine’s Spoiler Specials brings movie critics together to discuss recent movies, with plenty of spoilers sprinkled in. While they don’t promote the brand, it positions them as SMEs in movies and entertainment.
Insurance broker Allianz hosts a panel discussion podcast called Insurance Tomorrow, where panelists discuss current events and how they affect the insurance industry.
In this type of podcast, a host kicks off the discussion and keeps a list of questions or bullet points to keep the conversation on track.
A journalistic podcast can take a few forms. It can merely relay the news of the day, or it can tell longer-form stories, much like you would hear on a news magazine show.
For a branded podcast, the longer-form version is probably best. And it doesn’t necessarily have to relate to your product.
For three years and 58 episodes, Basecamp’s podcast, The Distance, used a journalistic approach to tell the stories of small businesses that had been in business for 25 years or more. The idea was to inspire other small business owners.
Once you know your audience and your content goals, you can start brainstorming the podcast’s concept and topics.
Your concept should be unique. Take a look at other podcasts for inspiration, but make sure you’re not duplicating a podcast that already exists.
Your concept should relate to your brand and products in some way. The GE podcast, for example, is loosely related to tech.
Finally, your concept should appeal to your audience and solve a problem for them.
Choosing a concept will take market and audience research. You may even want to survey super users of your product to get an idea of the kinds of topics they would be interested in.
There are a few ways to name your podcast. You can use your podcast’s content, your name if you have a decent following, or your company’s name if it’s well known.
For example, Blue Apron’s podcast relates to its content: Why We Eat What We Eat.
Meanwhile, celebrity Anna Faris’s podcast uses her name: Anna Faris is Unqualified.
Whatever you choose to do, make sure your title is clear, catchy, and memorable—and not already taken. Of course, it should also include keywords that help you appear in search.
You should also look up both your chosen name and variations on it, combined with “podcast,” “TV show,” “book,” “movie,” and anything else you can think of that may force you down in SERPS. Look for these not just on Google but on social media sites as well.
Apple and other podcast hosting platforms require artwork for your podcast, so there’s something to display in search.
For this step, we’re focusing on what will appear in podcast apps themselves—what you saw above are more akin to the large cover photos (more on those later). What we’re looking at now appear more like Instagram pictures in shape:
Apple remains the big name in podcasting— after all, “podcast” is short for “iPod broadcast!” So, you want to pay attention to Apple’s recommendations for creating good cover art:
Where do you get this art?
In a perfect world, you’d have an incredible artistic team at your disposal—use them if you do. But, not everyone is that lucky, and you may need to find someone to do this work for you. Consider:
Now it’s time to determine how often you’re going to post new episodes and what those episodes will be about. Brainstorm topics and keywords for your episodes, and write down a list of guests you might want to have on the show.
Create a content calendar that includes enough time to schedule your guests (if you have any) or write your script (if that fits your format), and record, edit, and post your podcast.
Developing a full script can take anywhere from a day to a few weeks, depending on the format, amount of research needed, and how many review levels it has to go through. But here are the basics.
The type of script you write—if you write one at all—depends on the format you chose for your podcast. Most podcast scripts include the following:
If you want a more informal feel to your podcast, you can simply write an outline or some bullet points of what you want to talk about and then riff on your topic from there. Or, you could write a full script, but be ready to go off track and banter with your cohost.
If you’ve chosen a story-telling format, like GE’s podcast, or even a how-to format, you will need to develop a fully fleshed-out script.
For a tutorial on scriptwriting, check out NPR’s guide for students. It’s full of helpful tips to get you started.
Most podcasts have some kind of music before the intro to their show. If you want something unique to your podcast that is consistent with your branding, this is something you’ll want to commission.
Like with artwork, you can bring on a local musician or friend, a freelancer from a site like Fiverr or via a local job board, or, ideally, use someone in your office. No matter who you use, be sure to give them credit on every set of show notes—it’s just good practice.
If you don’t want to commission someone, you can look into royalty-free music sites, such as bensound.com. These generally allow you can browse music in a variety of genres.
There are also free and subscription services for sound effects, such as Zapsplat, if you need sound effects for your podcast. Like with music, some of the recording options we talked about a while back also have these available.
It’s finally time to record. There are some best practices you should follow, though. Even if you’re comfortable speaking in front of a crowd, setting up a sound system and using a microphone is different for podcasts.
The good news is that most of your recording equipment—especially if you bought from some superior brands—will likely have videos you can watch to help you set things up and use them appropriately.
You can generally find these on the company’s website or YouTube. On YouTube, you may also be able to find podcasters using them, and their tips maybe even more helpful than the company’s because they’ve done practical troubleshooting already.
Here are a few best practices:
Now that you’ve tested everything out with your microphone and other recording equipment, it’s time to get down to business. Make sure your recording studio is closed off to others and that people know not to enter while you’re working, then get started!
Like with microphone use, though, there are some best practices while you record:
Allow at least a day for editing your podcast and then another day for final approval. This is when you add in your music and sounds, edit mistakes, or take out entire parts that you don’t feel add any value to the podcast.
Like recording, there are some best practices for editing. If you’ve got a pro on board, you probably don’t need to worry about this. But if you’re doing it yourself, you should take some time to learn about these. Thankfully, YouTube comes in very handy for things like this.
While the best practices will vary slightly based on the editing software you’re using, here are the basic steps you should take while editing—and be sure to wear headphones while you do it. While this advice is intended for Audacity users, it applies to most editors:
For very detailed advice about editing, check out this article from Podcast Rocket.
Okay, this one is a bit out of order—we’re talking about in-the-trenches promotion, not pre-show promotion. When you’re starting a podcast for your brand, you should let your audience know before your first episode. Hype them up.
Here’s a fun fact: If you post your podcast to the three major platforms—Apple Podcasts, Spotify, and Google Podcasts—you’re already in front of more than 95% of all podcast listeners!
One common misconception about podcasting is that these platforms host your podcast. Not so. You first need to sign up for a hosting site, such as Buzzsprout. Some hosts automatically submit your podcast to several platforms, while you may need to do it manually for others. You do this with your RSS feed, which you can find in your account on your hosting site.
Your RSS feed will need the right tags, your artwork, and at least one episode to be accepted. Once you have all that submitted, you’re up and running!
Now it’s time to promote your new podcast. Utilize your social media and own website for this, but be aware of other avenues as well. For instance, if you have a guest on the show, make sure they’re going to advertise their involvement. You could consider purchasing ads on social media or other sites, too. And if you have a brick-and-mortar store? Put up signs with QR codes to your podcast’s website, post on your main site, social media, or use Linktree.
Your podcast host, Apple, Google, and Spotify all provide analytics, so you can track how your podcast is doing. Additionally, Chartable compiles several apps’ data, so they could also be helpful. Use that information to inform when you should post, how well you’re promoting it, and what your next episode should be about.
Be sure to Google your podcast several times over the following weeks to see if you’ve been picked up by platforms you didn’t know about so you can add these options to your “where to listen.”
You should also keep an eye on reviews. Many podcast apps don’t have reviews, but Apple does. Reviews aren’t the end-all, be-all, but they can help you move up charts, better advertise your show (if the reviews are good), and see where you need to improve. Just bear in mind not all reviews are valid—they could be from rivals or from people who just like to complain—so use your judgment about how to go forward after reading them.
Even enterprise brands need a little help podcasting sometimes. If you don’t have the time or resources to start your podcast, try partnering with a brand or business that can.
Sephora, for example, partnered with GirlBoss Radio to create a branded podcast called #LipStories. The podcast features interviews with remarkable women from around the world.
Podcasts can help your brand reach an entirely new audience, and starting one doesn’t have to be as stressful as it may seem on the surface. If you follow these steps and make your podcast SEO friendly, you may be well on your way to increasing your sales.
And you may even have some fun along the way.
What kind of podcast are you thinking about? How can it help your brand?
The post How to Start a Podcast in 14 Days appeared first on Neil Patel.
Article URL: https://www.themuse.com/jobs/themuse/director-of-analytics-business-intelligence Comments URL: https://news.ycombinator.com/item?id=25095586 Points: 1 # Comments: 0 The post The Muse (YC W12) Is Hiring a Director of Analytics and BI appeared first on ROI Credit Builders.
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Are you running a local business and looking for ways to grow your SEO rankings to bring in customers? It might not have crossed your mind, but creating local SEO content could actually help both your online marketing and ranking. Because when it comes to optimizing for local SEO, many local businesses tend to overlook …
Article URL: https://prendaschool.com/jobs Comments URL: https://news.ycombinator.com/item?id=23544940 Points: 1 # Comments: 0