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Is it really possible to start a business with no money and bad credit in a recession? Absolutely! Pandemic or no pandemic, this is possible.
Learn Start a Business with no Money and Bad Credit in a Recession
Do you know how to start a business with no money and bad credit in a recession? We can help you build business credit, even if your personal credit is not so hot.
This is through building business credit.
Building business credit means that your firm gets chances you never felt you would. You can get brand new equipment, bid on buildings, and cover the company payroll. And you can do this even when times are a bit lean. This is specifically helpful in holiday business enterprises, where you can go for several months with merely hardly any sales.
Because of this, you should really tackle developing your business credit. Enhance and maintain your scores and you will have these opportunities. Do not, and either you do not get these opportunities, or they will cost you a lot more. And no small business owner wants that.
You will need to understand what affects your company credit before you can make it better.
How to Start a Business with no Money and Bad Credit in a Recession: Credit History Length Matters
This is basically how long your business has been using company credit. Needless to say newer firms will have short credit histories. While there is not too much you can particularly do about that, do not stress.
Credit reporting agencies will also inspect your personal credit score and your own background of payments. If your own personal credit is excellent, and particularly if you have a reasonably lengthy credit history, then your personal credit can come to the rescue of your company. That is, you did not just get your first credit card not too long ago.
Naturally the reverse is also right. So if your personal credit history is poor, then it will impact your business credit scores until your company and consumer credit can be separated.
How to Start a Business with no Money and Bad Credit in a Recession: Your Payment History is Important
Tardy repayments will affect your company credit score for a good seven years. If you pay your small business (and personal) debts off, as quickly as possible and as completely as possible, then you can make a very real difference when it concerns your credit scores. Make sure to pay on schedule and you will experience the benefits of promptness.
How to Start a Business with no Money and Bad Credit in a Recession: Your Personal Credit Can Influence Your Business Credit
Are you having a bad business year? Then it could wind up on your personal credit score. And just in case your small business has not been around for too long, it will directly affect your business credit.
How do you fix this? By building business credit.
How to Start a Business with no Money and Bad Credit in a Recession: Build Business Credit
Business credit is credit in a small business’s name. It doesn’t connect to an owner’s personal credit, not even when the owner is a sole proprietor and the solitary employee of the small business. Truly, it is the best method of how to start a business with no money and bad credit in a recession.
As such, a business owner’s business and personal credit scores can be very different.
Due to the fact that small business credit is independent from individual, it helps to protect a business owner’s personal assets, in the event of court action or business bankruptcy.
Also, with two separate credit scores, a business owner can get two separate cards from the same vendor. This effectively doubles purchasing power.
Another advantage is that even start-ups can do this. Visiting a bank for a business loan can be a formula for frustration. But building small business credit, when done the right way, is a plan for success.
Individual credit scores are dependent on payments but also additional factors like credit use percentages.
But for company credit, the scores actually just hinge on if a small business pays its invoices timely.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
Growing company credit is a process, and it does not occur automatically. A company must actively work to develop company credit.
Nonetheless, it can be done readily and quickly, and it is much more efficient than developing individual credit scores.
Vendors are a big aspect of this process.
Doing the steps out of order will cause repetitive denials. No one can start at the top with business credit. For example, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.
A business has to be fundable to lending institutions and merchants.
That’s why, a company will need a professional-looking web site and email address. And it needs to have site hosting bought from a merchant such as GoDaddy.
Plus, company telephone and fax numbers must have a listing on ListYourself.net.
In addition, the business telephone number should be toll-free (800 exchange or similar).
A small business will also need a bank account dedicated purely to it, and it must have every one of the licenses essential for operating.
These licenses all have to be in the identical, appropriate name of the small business. And they must have the same small business address and telephone numbers.
So bear in mind, that this means not just state licenses, but possibly also city licenses.
Dealing with the IRS
Visit the Internal Revenue Service web site and get an EIN for the small business. They’re totally free. Pick a business entity like corporation, LLC, etc.
A company can start off as a sole proprietor. But they will probably wish to switch to a sort of corporation or an LLC.
This is in order to diminish risk. And it will maximize tax benefits.
A business entity will matter when it comes to tax obligations and liability in the event of litigation. A sole proprietorship means the entrepreneur is it when it comes to liability and tax obligations. Nobody else is responsible.
Sole Proprietors Take Note
If you run a company as a sole proprietor, then at the very least be sure to file for a DBA. This is ‘doing business as’ status.
If you do not, then your personal name is the same as the business name. Consequently, you can find yourself being directly responsible for all small business financial obligations.
Also, per the IRS, using this structure there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 possibility for corporations! Avoid confusion and noticeably lower the chances of an IRS audit at the same time.
Starting the Business Credit Reporting Process
Start at the D&B web site and get a free D-U-N-S number. A D-U-N-S number is how D&B gets a business into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.
Once in D&B’s system, search Equifax and Experian’s sites for the company. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process.
In this way, Experian and Equifax will have something to report on.
First you should build trade lines that report. This is also referred to as vendor credit. Then you’ll have an established credit profile, and you’ll get a business credit score.
And with an established business credit profile and score you can start to get retail and cash credit.
These kinds of accounts have the tendency to be for the things bought all the time. Like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.
But first off, what is trade credit? These trade lines are credit issuers who will give you starter credit when you have none now. Terms are commonly Net 30, instead of revolving.
So, if you get approval for $1,000 in vendor credit and use all of it, you will need to pay that money back in a set term, such as within 30 days on a Net 30 account.
Net 30 accounts need to be paid in full within 30 days. 60 accounts must be paid fully within 60 days. In contrast to with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.
To kick off your business credit profile properly, you ought to get approval for vendor accounts that report to the business credit reporting agencies. Once that’s done, you can then use the credit.
Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.
Vendor Credit – It Helps
Not every vendor can help in the same way true starter credit can. These are vendors that will grant an approval with hardly any effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.
This is vital for how to start a business with no money and bad credit in a recession.
You want 3 of these to move onto the next step, which is retail credit.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
Accounts That Don’t Report
Non-Reporting Trade Accounts can also be helpful. While you do want trade accounts to report to at the very least one of the CRAs, a trade account which does not report can nonetheless be of some worth.
You can always ask non-reporting accounts for trade references. Additionally credit accounts of any sort should help you to better even out business expenditures, thus making financial planning less complicated. These are companies like PayPal Credit, T-Mobile, and Best Buy.
Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move to retail credit. These are companies which include Office Depot and Staples.
Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the company’s EIN on these credit applications.
Are there more accounts reporting? Then move onto fleet credit. These are businesses like BP and Conoco. Use this credit to purchase fuel, and to fix and take care of vehicles. Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, make certain to apply using the small business’s EIN.
Learn more here and get started toward building business credit attached to your company’s EIN and not your SSN. Get money even in a recession!
Have you been sensibly handling the credit you’ve gotten up to this point? Then move onto more universal cash credit. These are businesses such as Visa and MasterCard. Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.
These are often MasterCard credit cards. If you have more trade accounts reporting, then these are doable.
Monitor Your Business Credit
Know what is happening with your credit. Make certain it if being reported and take care of any inaccuracies as soon as possible. Get in the habit of checking credit reports. Dig into the details, not just the scores.
At Equifax, you can monitor your account at: www.equifax.com/business/business-credit-monitor-small-business.
Update Your Record
Update the details if there are mistakes or the information is incomplete. At D&B, you can do this at: https://iupdate.dnb.com/iUpdate/viewiUpdateHome.htm. For Experian, go here: www.experian.com/small-business/business-credit-information.jsp. And for Equifax, go here: www.equifax.com/business/small-business.
Fix Your Business Credit
So, what’s all this monitoring for? It’s to challenge any errors in your records. Mistakes in your credit report(s) can be fixed. But the CRAs often want you to dispute in a particular way.
Get your business’s PAYDEX report at: www.dnb.com/about-us/our-data.html. Get your company’s Experian report at: www.businesscreditfacts.com/pdp.aspx?pg=SearchForm. And get your Equifax business credit report at: www.equifax.com/business/credit-information.
Disputing credit report errors commonly means you send a paper letter with duplicates of any proof of payment with it. These are documents like receipts and cancelled checks. Never mail the original copies. Always send copies and keep the original copies.
Fixing credit report inaccuracies also means you specifically itemize any charges you contest. Make your dispute letter as clear as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you mailed in your dispute.
Dispute your or your small business’s Equifax report by following the directions here: www.equifax.com/small-business-faqs/#Dispute-FAQs.
You can dispute inaccuracies on your or your business’s Experian report by following the directions here: www.experian.com/small-business/business-credit-information.jsp.
And D&B’s PAYDEX Customer Service telephone number is here: www.dandb.com/glossary/paydex.
A Word about Building Business Credit
Always use credit sensibly! Never borrow more than what you can pay back. Monitor balances and deadlines for payments. Paying in a timely manner and fully will do more to raise business credit scores than almost anything else.
Establishing small business credit pays off. Excellent business credit scores help a company get loans. Your lender knows the company can pay its financial obligations. They understand the business is for real.
The small business’s EIN connects to high scores and lenders won’t feel the need to ask for a personal guarantee.
Business credit is an asset which can help your small business for many years to come. Learn more here and get started toward growing company credit.
How to Start a Business with no Money and Bad Credit in a Recession: Looking for Some Ideas?
And we would be remiss if we didn’t give you any business ideas! Here are seven great ones from Shopify which we loved.
How to Start a Business with no Money and Bad Credit in a Recession: Takeaways
Once you understand what impacts your small business credit score, you are that much nearer to creating better business credit which will help you learn how to start a business with no money and bad credit in a recession. Don’t let COVID-19 get you down.
Now go get ‘em, tiger!
The post Brilliant! How to Start a Business with No Money and Bad Credit in a Recession appeared first on Credit Suite.
Do you want to be instafamous?
Well, who doesn’t?
Over the last few months, I’ve been running numerous Instagram experiments and I’ve finally figured out how to grow my Instagram following.
My Neil Patel account has been growing by 1,260 followers per week.
And I know what you are thinking… Neil, you are already well known, this can’t be replicated by anyone else.
Well, not only did we test this strategy out on my profile, but we also did it on 2 other profiles.
It works no matter what industry you are in. Heck, it works even better if you aren’t in B2B like me.
Just look at Dhavalilama. His likes per image have been growing by just using the heart trick, which I will explain in a bit, and he isn’t using my whole strategy. :/
So, how do you gain more Instagram followers each week without spending money?
Tip #1: Instagram wants long videos
You’ve heard everyone say that you need to upload videos. Social networks like Instagram aren’t just competing with other social networks, they are competing with traditional media and even companies like Netflix for your attention.
If you upload videos, you’ll find that you’ll get more engagement than if you just upload images.
But the key isn’t to just upload any video… it ideally needs to be engaging and long.
By long I am not talking about a 60-second video, I’m talking minutes. You’ll have to leverage IGTV for this, but that’s what they want as not enough people are using that feature.
Hence, if you use IGTV, they’ll push your video more.
That way when someone is watching a 5-minute video you just posted, they’ll be able to watch the first 60 seconds on their feed and then they’ll be pushed over to IGTV.
All you have to do is upload the video to IGTV and select the “post a preview” option.
What this does is, it uploads the video to IGTV and then also promotes the video through your feed.
Just look at this video that I only posted on IGTV.
It had 236 views before writing this blog post.
When I posted that video, I had 9,078 followers, which means I had an engagement rate of 2.59%.
Now if you look at this video that I posted…
It had 2,971 views before writing this blog post.
When I posted that video I had 21,047 followers, which means I had an engagement rate of 14.11%.
What’s crazy is, that one simple change increased my video engagement by 444%.
Tip #2: Ask and you will receive
Instagram’s algorithm is simple… the more views and likes your videos and images receive, the more people will see them, which increases engagement and your follower count over time.
There’s not too much more to the algorithm.
Of course, they are looking at things like what percentage of your followers actually engage… but still, the algorithm from a conceptual standpoint is simple.
So, have you thought about asking for people to “like” your image?
Now with Instagram, people are using it via their cell phone so it’s more of a “double tap” than a like… but you get the point.
On average, when I post an image on Instagram I can generate 945.6 likes.
Here’s an example of one of those images:
And as you can see from the engagement, that one did better than most of my images as it has over 1,000 likes.
Plus, the messaging resonates with a lot of people.
But here is one that is simple…
I just asked people to “double tap” if they need to improve their video skills.
It didn’t take much creativity to come up with that image and it received 1,441 likes. In other words, it produced 51.96% more engagement.
You should give it a try… I tend to use this tactic a few times a month and it works really well.
Just be careful though, if you use it every day or every week, people will get sick of it and it will stop working. Hence, I only use it a few times a month max.
Tip #3: Go live
Did I already mention that Instagram is competing with television networks and Netflix?
Because of that, what kind of content do you think they want more of?
Well, yes they want more video content, but we already talked about that.
They want more live content.
Think… reality TV.
Now the live content you produce doesn’t have to be like Keeping up with the Kardashians… they just want live content that people are looking forward to viewing.
You know how you will tune into shows like American Idol or the latest soccer or football match because it’s live and you want to see what’s happening in real time? That’s the effect Instagram is hoping for with live content.
Now, when you go live, Instagram is promoting it heavily so you’ll get more viewers. It doesn’t matter what you talk about… they just want to see more people go live.
Every time I go live, I am able to get at least 1,000 views. Just look at the live I just did…
In the first 6 hours, it’s already received 718 views and I did this live session on a Sunday during non-peak hours. Within the first 24 hours, it will easily surpass 1000 views.
In other words, go live! It’s a simple and quick way to grow your following count. Ideally, you should be going live on a weekly basis.
Heck, you can’t go live too much… feel free to go live daily.
Tip #4: Respond to comments
This one is simple, but no one really does it.
Social networks are supposed to be social. That means you should participate.
And no, I am not talking about just liking other images and viewing videos. I’m talking about engaging with people and talking to them.
So, when you like something that someone else posts, leave a comment.
And when someone leaves a comment on one of your posts… what do you think you should do?
You should respond to them with a comment.
Now, let’s look at some of my posts for a minute. You’ll see decent engagement, but more so, you’ll see me being very active.
Just look at all of my responses.
By engaging with people, you’re more likely to build a relationship with these individuals, which makes it more likely that they will back and continually engage with your posts.
Tip #5: The heart trick
Alright, are you ready for the heart trick? You know, the one Dhavalilama has been using to boost his like count by 300%.
The concept is simple, but it will take a bit of finesse to implement.
A part of Instagram’s algorithm is how much engagement you get from other Instagram users within the first hour of you posting anything.
Now, I’ve done a lot of tests with this… if you can get Instagram users who have more followers than you to like your image or video when it first goes live you’ll find that your content is much more likely to show up on the discovery page.
From a lot of testing, here’s what seems to be the most effective:
- Get people with larger following accounts to like your image or video within the first hour it comes out.
- Ask them to not like anything else within that hour. We’ve found that if they like too many images or videos it doesn’t work.
- And if they are feeling extra generous, have them leave a comment.
The heart trick isn’t that complex, but it is hard to implement because you have to convince users who are more popular than you to like your content right when you publish.
And ideally, you need 6 people who have large accounts (the bigger the better), for this to work extremely well.
Tip #6: Create multiple stories each day
What do Tai Lopez, Gary Vaynerchuk, and Grant Cardone have in common?
Well, other than the fact that they all have over a million Instagram followers…
They all post a ton of stories per day.
And when I mean a ton, sometimes they are posting over 20 stories a day… literally.
The more stories you post, the more engagement you’ll create, which will lead to more followers.
Just look at the stats from the stories I just posted:
I can generate over 1,000 views within 8 hours of posting a story and generally in the range of 1,600 to 2,000 views within 24 hours.
The same story 23 hours later received 1870 views.
Here are some things to keep in mind if you want to maximize stories:
- Don’t post all of your stories at once, spread them out throughout the day. This will cause people to keep coming back and engaging with your profile.
- Use a combination of both images and videos within your stories. Overall, you’ll find that videos create more engagement.
- The more stories you publish, the better off you are.
- Add polls to your stories, this also helps boost engagement.
Tip #7: Quality matters
Have you noticed that some images get more likes than others? Or certain videos get more engagement?
Instagram is a visual social network. So the visual part is important… you want your images and videos to look great no matter what.
Now, they don’t have to be perfect, but you do want to make sure you are posting images that people enjoy.
Here’s what I mean…
When you look at my profile, you’ll see a ton of images of me that contain quotes.
Some of those images perform really well, while others don’t. For example, every time I post a quote using this image template…
It gets 21.4% less engagement then when I use this template…
Keep track of what your followers like and don’t like. Post more of what they like and stop posting the stuff that has low engagement.
Tip #8: Test, test, test
Speaking of posting more of what your followers like and less of what they don’t, you need to constantly test.
Even though quality matters, when you are testing you shouldn’t aim for perfection. Just aim for speed.
Once you find something that people like, do more of it.
For example, I ask people to double tap as I talked about in tip number 2 because I learned it through testing.
Here are some other things I’ve learned through testing:
- Simplicity is the ultimate sophistication – people prefer clean images that are simple.
- Use bright colors – images that are darker, such as night photography don’t perform as well.
- Switch things up – if you do the same thing every week you’ll find your engagement starting to drop.
- People want to get to know you – they don’t want to get to know the Photoshop version of you. Be realistic and personal. Connect with your followers.
- Filters don’t matter – don’t waste too much time modifying or adjusting your images. Little things like filters don’t make the biggest difference.
- Hashtags aren’t game changing – I know everyone says you have to use hashtags and you should here and there… but they aren’t game-changing. So don’t spam and use 20 hashtags per image you post. And when you do use them, pick relevant and popular ones. You can use Ubersuggest to figure out what keywords are popular.
- Use Instagram analytics – it tells you when your followers are online so you know when to post. If you post when they are online you’ll get much more engagement.
A good example of a test I’ve run is when I post on my feed. As you can see from my stats…
My followers are most likely to be on Instagram at 9am. So I try to post around that time, which has helped me get 8.41% more likes per image.
Every little bit adds up!
You don’t have to spend money on ads to grow your Instagram following. If you follow the tips above, you’ll do well and find that you can grow your weekly following count by over 1,000 net new followers each week.
Now, I know you may not want to use Instagram because it doesn’t have your “ideal” audience, but you can drive conversions from Instagram.
For example, when I went live on Instagram and I told the audience to check out my ad agency Neil Patel Digital, I was able to generate 2 leads.
Neither of the leads were ideal customers, but it is a numbers game. If I continually do it I will be able to generate clients.
In the past, I have closed 3 deals from Instagram… one paid $120,000, the other paid $1,000,000, and the last paid $300,000.
They were all consulting arrangements, so I had substantial costs associated with the revenue, but it shows that Instagram does work.
Heck, if it didn’t, I wouldn’t be back on Instagram again (this is my 3rd profile, I no longer use the other 2).
You can also use the swipe up feature to drive people to your site and this will help you generate leads and sales.
So, what do you think about Instagram? Are you using it on a daily basis?
But are you going to take the time to optimize your site for each and every single one of them?
Well, you should… but you probably won’t.
See, SEO has changed… it used to be that you could do a handful of things and rank well. Sadly, those days are gone.
Now you have to do every little thing and do it well to dominate Google.
So, I decided to make your job easier and release yet another new feature in Ubersuggest that audits your website for you in less than 3 minutes.
It’s called SEO Analyzer.
Introducing SEO Analyzer
If you want to find out what’s wrong with your website, you won’t have to do it manually anymore.
All you have to do is head over to the SEO Analyzer and put in your URL.
How SEO Analyzer works
Once you put in your URL, you’ll be taken to a report that looks something like this:
Once the report loads (it typically takes 3 minutes or less), you’ll see an overview like the image above.
The overview is broken down into 3 main sections.
The first section shows you your on-page SEO score (the higher the better), your estimated search traffic, the number of keywords the domain ranks for, and how many backlinks the site has.
You’ll also see a message from me that breaks down how many pages were crawled and any SEO errors that were found.
When you click on any of those 4 boxes, it will take you to a more in-depth report.
Clicking on the on-page score takes you to a page that lists out your SEO errors. It looks something like this:
Clicking on the organic traffic takes you to a report that shows you how well your site is performing.
Clicking on the keywords box shows you all of the keywords your website ranks for organically.
And clicking on the backlinks box shows you all of the sites linking to that domain.
This is my favorite section of the site audit report. This is where you can really dig around and boost your rankings
You can click on any of the four site health boxes and drill down into more reports.
This is important because you’ll want to first focus on clearing up any critical errors. From there, you’ll want to fix any warnings and then, finally, consider doing any of the given recommendations.
The health check box gives you an overview of the healthy pages and the ones that have issues or are broken or blocked or even redirected. By clicking on this box you’ll get taken to a report that lists all your SEO issues in detail.
From there you can click on any of those issues and you’ll be taken to the exact pages that contain any SEO errors and what they are exactly. An example of this is pages with too long of a title tag.
If you aren’t sure on how to fix any of the issues, just click on “what is this and how do I fix it?” and a box like this will appear:
And if you click on the critical errors, warnings or recommendations boxes, you’ll see reports just like the ones above. They will be broken down by how important they are.
That way you’ll know which fixes have the greatest SEO impact and how hard they are to implement.
You should first focus on the ones that have the highest SEO impact and are the easiest to implement. And I took the liberty to prioritize the table for you, so all you have to do is start at the top and work your way down to the bottom.
Speed is important. Not only do faster load times help boost conversion rates, but they also help boost your search rankings.
There are two sections to the site speed. The section on the left breaks down your desktop load time and the section on the right breaks down your mobile load time.
Site speed varies drastically by a person’s connection and computer, but the charts give you a rough range of how fast or slow your site loads.
Your goal should be to have your site load in 3 seconds or less for both mobile and desktop.
The report even breaks down which areas are slowing down your site speed.
For example, you could have an issue with “First CPU Idle”… and if you aren’t sure what that means, just hover over the question mark and the tool will tell you.
Top SEO Issues
I know I said the report has 3 main sections, but the 4th section is just repeating the site health section.
You’ll see the 3 most important fixes that you should make to your site if you want higher rankings.
If you don’t have the time to fix everything, start off by fixing the 3 issues listed here. Those will give you the biggest bang for your buck.
I know I haven’t talked about the SEO Analyzer report much, but we’ve been working on it for 4 months now.
For now, the tool crawls the first 100 pages on your website, and eventually, our goal is to increase the limit to 500 or even 1,000. Technically we can do that fairly easily, but for the launch, I’ve capped it at 100 due to the sheer number of users I have and server load.
Give the SEO Analyzer a try and let me know what you think.
The post How to Perform a Thorough SEO Audit in Less Than 3 Minutes appeared first on Neil Patel.