U.S. stocks climbed Thursday as blue-chip companies reported strong earnings and fresh economic data showed a sharp improvement in consumer spending and the labor market.
The post Stocks Rise After Strong Earnings, Economic Data first appeared on Online Web Store Site.
Are you in a crowded industry and can’t seem to stand out? Does your brand operate in a niche with a small audience? If you answered yes to one of those questions, then you know reaching your target audience is no walk in the park. That’s exactly why you must leverage niche marketing. What Is …
The post How to Do Niche Marketing For Tiny Audiences first appeared on Online Web Store Site.
The post How to Do Niche Marketing For Tiny Audiences appeared first on ROI Credit Builders.
When it comes to a first time business loan, what are your best choices for your startup?
There are several different types of business loans out there. Startups can have more trouble getting funding. This is because you don’t have a business credit history – and you don’t have inventory or cash flow. But those aren’t the only way to get a first time business loan. Check out what else you can do.
Knowing the different types of small business loans is only half the battle. You have to know how to figure out which one is right for you. The answer to that will vary based on a number of factors, and it may even change over the course of your business.
But the right type of loan for your business now may not be the right type for your business later. The best way to start figuring out which loan is right for your business is to figure out what’s available. Did you know that traditional bank loans are not the only option?
There are many more, including:
Let’s dive in to each one and figure out which one is best for your business right now
Use existing stocks as leverage to get business financing. Borrow as much as 90% of their value. You continue to earn interest on the stocks pledged as collateral. Closing and funding takes less than 3 weeks.
Rates can be as low as 1.6%. This is a working capital line of credit. You will have challenged personal credit.
And if you do not have this type of securities, you can still get great funding if a credit partner (guarantor) has them.
Use your existing 401(k), or IRA as collateral for business financing. This program uses IRS proven strategies. You will pay no tax penalties.
You still earn interest on your 401(k). pay low rates, often less than 5%. Close and fund in less than 3 weeks. You can usually get up to 100% of what’s “rollable” within your 401(k).
Follow these steps. A new corporation is formed; a retirement plan is created to allow for investment into the corporation; funds are rolled over into the new plan. Then the new plan purchases stock in corporation and holds it. The corporation becomes debt free and cash rich.
And, as before, if you don’t have an appropriate IRA or 401(k), you can still get this kind of funding if you’ve got a credit partner with the right stuff.
Demolish your funding problems with 27 killer ways to get cash for your business.
Check out this form of unsecured funding. Unsecured funding does not require collateral, but the lender’s risk is mitigated by higher interest rates. Our credit line hybrid has an even better interest rate than a secured loan. Yet you can get the money faster and easier than any type of traditional funding. Get business funding without having to supply bank statements or credit stubs. You can get funding in a few days rather than weeks without supplying any collateral or documents.
You can get some of the highest loan amounts and credit lines for businesses. Get 0% business credit cards with stated income. No financials required. These report to business CRAs. You can build business credit at the same time. This will get you access to even more cash with no personal guarantee.
You can often get a loan of 5 times the amount of current highest revolving credit limit account. This is up to $150,000. Easily five times what you could get on your own when applying for cards. Get cash out on this program as well.
There will be NO impact on your personal credit with this type of financing. You need a good credit score or a guarantor with good credit to get an approval. With good personal credit, get unsecured credit cards with a personal guarantee. And with good business credit, get unsecured credit cards without a personal guarantee.
Check out business credit. It should be your goal to build business credit, even if you can get funding elsewhere. Business credit will help your company for years to come. Business credit is credit linked to your EIN and not your SSN.
This credit is available without a personal guarantee. It is available regardless of personal credit. You can get business credit immediately. Business credit is the only way to get money for a business when you don’t have collateral, cash flow, good personal credit, or a guarantor.
Guaranteed by the federal government. Issued by participating lenders, usually banks. They offer a lot of the perks of traditional loans, such as lower interest rates and favorable terms. Due to government guarantee, lenders are able to offer them to those with a lower credit score than would typically be required.
Lenders and loan programs have unique eligibility requirements. In general, eligibility is based on what a business does to receive its income, the character of its ownership, and where the business operates. Hence even those with bad credit may qualify for startup funding.
Normally, businesses must meet size standards, be able to repay, and have a sound business purpose. The lender will provide you with a full list of eligibility requirements for your loan. See www.sba.gov/document/support–table-size-standards.
General eligibility also includes:
Ideal credit scores for an SBA loan are 680 or above. There are a number of SBA loan programs, each one designed to work for different needs and situations. Some of the most common SBA loan programs include:
These are just a few the of the options available. Find out more at SBA.gov.
Demolish your funding problems with 27 killer ways to get cash for your business.
The thing about SBA loans is that they each have a specific purpose. For example, if your business has suffered due to a natural disaster, you need a disaster loan. If you need $50,000 or less, a microloan may be the best option. But the 7(a) loan program is the most versatile.
A standard 7(a) loan can be for up to $5 million. The maximum SBA guarantee is 85% for loans up to $150,000 and 75% for loans greater than $150,000. The interest rate varies but cannot exceed the SBA maximum. The turnaround is 5 – 10 business days. These funds can be used for a number of things, and the minimum credit score is 640. But of course the higher the better.
These loans work well for those that are not in a hurry to get funding
The approval and funding process can take a while, especially with the government red tape required for the government guarantee. If you can wait, meet all the requirements, and want a more traditional type of loan, SBA loans are an option.
Businesses looking to buy or lease equipment can use equipment financing. Rates vary widely depending on risk factors. You usually can get approval with a 650 or better credit score. This is for major equipment only, not a combination of a lot of small equipment. These loans work well for those that have good credit and just need to finance some equipment. The equipment is the collateral, so that helps out some with rates.
Demolish your funding problems with 27 killer ways to get cash for your business.
This is similar to a traditional term loan in terms of where you get it, and approval requirements. However, it is revolving financing more like a credit card. Typically have better interest rates that credit cards. They work well for those who qualify for traditional term loans but want revolving credit rather than a term loan.
If you know what types of business loans are available to your business, you can make a more educated decision about which types of business loans will work best for you. Knowing what’s out there is only half the battle. You also have to understand your own eligibility and funding needs.
All businesses need funding. Traditional term loans are not the only option. Other options exist to help you money faster. Or funding despite bad credit. And you can better rates and terms than you would get with a traditional term loan.
The post Get Your First Time Business Loan appeared first on Credit Suite.
At 94, Felicia Friedman succumbed to Covid-19 and bureaucratic bungling.
The post An Aushcwitz Survivor Dies in a New York Nursing Home appeared first on ROI Credit Builders.
The growth in podcasts is significant for listeners looking for a show that appeals to their individual interests. Plus, it’s great for marketers and business owners looking for new platforms to advertise on and new audiences to reach.
While you won’t find any lack of podcasts, the sheer volume out there makes it time-consuming to slim down your choices and find appealing podcasts.
In this guide, we explore both how to find podcasts as well as how to get your own podcast discovered.
If you’re overwhelmed by the number of podcasts out there, it’s not surprising. How many podcasts are there exactly? The latest research shows there are over 47 million episodes available, and the number is growing.
As an article on Pacific Content states, there are “Too many podcasts. Not enough time.”
Keeping up with new episodes and freshly-launched podcasts are tough enough, and that’s before finding time to read the backlog of podcasts we’ve got lined up.
Even if we don’t listen to a podcast, 75 percent of U.S. adults are at least aware of them, and with mobile devices, I think it’s safe to assume this number will keep growing.
With so many podcasts available, how do you find the ones you want to listen to?
The quickest and easiest way to find podcasts is Google. Just choose your niche, and type in “business podcasts,” “health podcasts,” “relationship podcasts,” or whichever topic interests you the most. Google isn’t your only choice, though.
There’s no shortage of podcast hosting sites. With a quick search on Google, you’ll find:
There isn’t space to talk you through all of them, so I’ll use Spreaker as an example.
On Spreaker, go to the “listen” option at the top of the page and click. You’ll then get a list of subheads, including “staff picks,” ”crime,” and “featured,” where you’ll find plenty of podcasts to browse through.
Regular podcast listeners may well be familiar with some of the newer discovery tools. These tools take the effort out of finding podcasts.
Below, I will outline some of the most prominent tools, explain how to use them, their advantages, and their main features, starting with Listen Notes.
If you’re trying to find a podcast, Listen Notes calls itself “the best podcast search engine,” but it does a lot more than purely serve as a discovery tool.
To give you a better idea, you could:
The site is packed with features, too:
Listennotes.com takes you straight to the main search engine, so you can just type in “business growth” or “digital marketing,” or whatever interests you. Doing this will bring up a list of podcasts so you can dive in and see which ones appeal to you most.
It’s also worth typing in “trending” to see what’s happening and what’s capturing other users’ imaginations.
Another way to find podcasts is to go to the “discover” link at the top of the page. Here, you’ll find a drop-down list to select from.
Listen Notes is free, but you can sign up for a paid membership to access the “super” search engine and other features.
The site’s main advantages are its ease of use and navigation, and if you’re just looking for podcasts in your niche, you shouldn’t find any real disadvantages.
Pod Hunt promises “the best podcasts daily.” When you visit the site, you’ll go straight to the main search engine, where you can start your search.
In the example above, the search term is “technolog.” Once you’ve got a list of podcasts, you can click through to whichever one grabs your attention.
Along the top of the page, you’ll also find:
You can also sign up for the site’s newsletter or submit an episode from the main search engine page.
You might find Pod Hunt is not quite as sophisticated as Listen Notes, and there are fewer features. However, it’s a good site if you want to do a quick search.
Podchaser lets you find podcasts, curated lists, ratings, reviews, and guest appearances. The search page brings up a list of the latest episodes, or you can use the white search box at the top of the page to find podcasts in your preferred niche.
The right side of the page shows you the most popular categories, where you’ll find easy access to business, comedy, true crime, and news podcasts, among others. You’ll also find trending creators with well-known names like Barack Obama, Trevor Noah, and Joe Rogan.
It’s free, but if you want to “supercharge your broadcast planning and outreach,” you can request further details.
There are no apparent drawbacks. It’s a simply structured, easy-to-use search site.
Spreaker is podcast creation software and app. It organizes, curates, and delivers content through live audio feeds, simplifying everything and making it straightforward to find podcasts and import your podcast library.
Spreaker is also favorable to creators by using RSS feeds for direct distribution and monetization. It’s compatible with the iPhone and the iPad, and you just need to download the app to begin.
Its key features include:
The app’s biggest advantages are the time it saves looking for the content you want and how easy it is to find podcasts.
Castro is another podcast app you can download from the Apple App Store. It provides a single playlist known as the “Queue.”
Through Castro, you can manage large numbers of podcasts and choose whether you want to listen to the podcasts straight away or if you want them sent to your inbox for later.
Main features include:
To use it, just download the app for free, or pay $18.99 a year to unlock advanced features.
Podible promises “more time listening and less time digging.” Download the free app from the iTunes store, and you’ll find podcasts and discover similar shows.
Other features include:
Using the app needs little description: Just install it, and you’ll soon find your way around.
The most significant advantage is the ease of finding podcasts that match your niche, and it gets positive feedback for its user interface.
The recommendations feature needs some work on the downside, and it’s been some time since Podible has updated its social media content.
Another way to find podcasts is through niche apps. These further refine your search by narrowing it down to niche topics it’s true crime, business, comedy, or tech.
These apps are growing in popularity due to their time-saving abilities. To give you an idea of what’s offered, I’ve highlighted a few below.
You’ve probably guessed the Laughable app is the place to go to find comedy shows, but it acts as a gateway to other genres as well. For example, you can discover Oprah’s and Barack Obama’s podcast through the app.
It’s regularly updated, so there’s always fresh podcast content available. Other features worth exploring are:
Laughable is extremely popular and often rated among the best. Its top feature is the easy search function, where you’ll find podcasts, episodes, and series.
As for negatives, some users would like to see a playlist, and a reviewer felt downloading podcasts was more complicated than necessary.
On Pinna, you’ll find a host of resources to keep children entertained. Pinna doesn’t just limit its content to apps. It’s an ad-free service that offers audiobooks and music.
A yearly fee gives you yearlong access to the shows, and Pinna provides a month’s free trial to begin with.
Once you get on the Pinna website, choose the subheading that most interests you and get exploring.
You’ll find shows like:
Click on whichever show grabs your attention or your child’s imagination, and sign up for the free trial to start listening.
They have various categories of content for different age groups, where you’ll find:
Leela Kids searches the internet for audio content suitable for children. You can download the app from the App Store or Google Play, and there are three steps to accessing content:
You can also opt into emails to get recommendations a couple of times a month.
Like other niche-specific sites, Leela Kids takes the effort to find podcasts online, and its ease of use is by far its biggest advantage.
Maybe you’re a podcaster trying to get your show discovered, or perhaps you’re just thinking about starting one up, and you want to make it easier for others to find your podcast.
It might seem intimidating if you’re not sure where to start, but don’t worry. These next steps will help you promote your show.
Use keywords: You use SEO to get your other content discovered, and there’s no reason you shouldn’t make your podcasts SEO-friendly as well. You can research keywords with free tools like Ubersuggest, the Ubersuggest Chrome Extension, or Google Keyword planner.
When you’ve got your list of keywords ready, include them in titles and descriptions and add them to podcast directories for organic traffic.
Get social: That doesn’t mean just using prominent platforms like Facebook and Twitter. Instead, take advantage of the networking opportunities you’ll find on podcast directories.
Some directories listed in the article have a networking section so you can build relationships with fellow podcasters and get the word out.
Use your mailing list: Existing marketers have a ready audience thanks to their mailing lists. Share snippets and links in your newsletters and other marketing materials to help them find your podcasts.
Start marketing: Don’t just use your existing customer base. Start marketing to a broader audience. Finding guest post opportunities, issuing press releases when you’re doing something newsworthy, and writing guest blogs for your niche are a few ways you can spread the word.
Repurpose your content: The more places you share your podcast content, the better chance people will find the content you’ve created. For example, you could:
Podcasts are growing in popularity, and successful shows like the Marketing School give absorbable content for listeners on the move.
However, the sheer volume of podcasts can sometimes make it hard to find the podcasts you’re searching for, which is where podcast directories and niche apps come in; they simplify your search to make it easier to find podcasts that match your interests. You can use similar methods to get your own podcast discovered.
If you want to advertise on podcasts or make one of your own but aren’t sure how. to get started, reach out to our agency. We can help!
Do you listen to podcasts? How do you find podcasts that capture your attention? Tell us below.
Article URL: https://www.ycombinator.com/companies/great-question/jobs/rbDFLOP-founding-engineer-rails Comments URL: https://news.ycombinator.com/item?id=26799244 Points: 1 # Comments: 0
The post Great Question (YC W21) Is Hiring a Founding Engineer (Rails) (Remote, PST-Ish) first appeared on Online Web Store Site.
The post Great Question (YC W21) Is Hiring a Founding Engineer (Rails) (Remote, PST-Ish) appeared first on Buy It At A Bargain – Deals And Reviews.
Article URL: https://www.ycombinator.com/companies/great-question/jobs/rbDFLOP-founding-engineer-rails
Comments URL: https://news.ycombinator.com/item?id=26799244
Points: 1
# Comments: 0
Ocient | Senior/Principal/Distinguished Software Engineer | Full-time | $130-215k + stock | USA, Chicago / Remote (US) | https://ocient.com
We’re building the word’s most scalable and efficient data warehouse. The founding team’s previous startup was acquired by IBM for $1.4B. Recently raised $40M.
Our Stack: Modern C++, Linux, etc.
Apply at https://ocient.com/careers. Send your questions to starzia at ocient.com.
Article URL: https://www.ycombinator.com/companies/great-question/jobs/rbDFLOP-founding-engineer-rails Comments URL: https://news.ycombinator.com/item?id=26799244 Points: 1 # Comments: 0
Article URL: https://www.streak.com/careers/product-engineer Comments URL: https://news.ycombinator.com/item?id=26791030 Points: 1 # Comments: 0 The post Streak (YC S11) looking for a senior front end engineer (remote only) first appeared on Online Web Store Site.