Day: July 22, 2020

Coronavirus May Give Trump an Edge

A Way to Take Back Portland

Ubersuggest Chrome Extension 2.0: The Ultimate Keyword Research Tool

Please note: Once you install the extension, all you have to do is go to Google and perform a search. That is where you’ll see data.

I promised that I would release a new version of the Ubersuggest Chrome Extension today, and now it’s out.

You can go here to install it.

If you are wondering what’s new… well, let’s just say the changes have made keyword research much better and a lot easier. And on top of that, later in this post, I’ll even give you a sneak peek at the new changes that we are making to the extension that will be released within 30 days.

So, what’s new?

Who says keyword research should be limited to Google?

What most people don’t know is that YouTube is the second most popular search engine and has been exploding.

On top of that, Amazon is the largest e-commerce site in the world and SEOs are doing Amazon SEO and Amazon ads… so why not have access to keyword research there, too?

Now, when you go to YouTube and perform a search you’ll see data on suggested keywords as you perform a search.

And if you want more details on any given keyword you searched for, just click “view all” next to the search bar and you’ll see something like this:

It breaks down search volume over the last 12 months as well as shows you if a keyword has any seasonal trends.

You can also see how competitive a keyword is to rank for, its cost per click data, how many people even click on any of the listings, and even the age range of the people who search for that term.

Also, what’s interesting is that you can see data on whether a keyword is searched more on mobile or desktop devices and the breakdown. This is important because mobile searches tend to not convert as well… so ideally you want to go after keywords that have more desktop searches when possible.

Now on the right side of any YouTube search listings page, you will also see more keyword suggestions.

It’s pretty similar to what the extension already shows on Google… this is more so our version for YouTube.

But with Amazon, we didn’t want to impact your user experience too much, so we decided to provide keyword data in the most unobtrusive way possible…

Anytime you perform a search on Amazon, you’ll see keyword data on the suggestions.

So now anytime you want to do keyword research for social media or e-commerce, you can easily do so with the Ubersuggest Chrome extension.

But wait, there is more…

There is also one other important change made to the extension that you may have already noticed if you use Google on a regular basis.

When you search on Google, there is now traffic estimations under each URL.

This traffic estimation is for organic search traffic and it is done on a domain level. Eventually, we will tweak it to be page-based and even show you the other keywords each page ranks for… but for now, we are providing you with organic traffic estimates for each domain.

And if you are more of a visual person, in the right-hand sidebar you can also see the traffic estimation for any result in the top 10.

So if you want to know traffic data in addition to keyword suggestions when you perform a Google search, make sure you install the Ubersuggest Chrome Extension.

But the best is still to come…

My goal is to make major releases to Ubersuggest every month if possible… every other month if all doesn’t go as planned.

The next big one is introducing competitor analysis features within the extension.

Right now if you click on the “Ubersuggest” logo within your Chrome browser you see something like this:

Now, that’s not really useful.

So, within the next 30 days when you click on the “Ubersuggest” logo within Chrome, I am thinking of showing something like this:

For any domain you’ll be able to see the following metrics:

  1. Domain metrics – you’ll see a quick overview of each domain. From the number of organic keywords a site ranks for to their estimated organic traffic, domain score, and even number of backlinks.
  2. Historical traffic – you’ll see an organic traffic chart of the last 6 months to any given site.
  3. Top pages by country – want to know the most popular pages on your competitor’s site? This table will show you just that.
  4. Top keywords by country – you’ll also be able to see the most popular keywords that drive traffic to that site.

Conclusion

If you already have the Ubersuggest Chrome extension installed, you may need to reinstall it because we now show you data on YouTube and Amazon. That means you’ll have to grant Ubersuggest permission to show you data on those two sites.

If you don’t have the extension installed, you can do so by going here.

Let me know what you think about the new extension, the upcoming releases, and if you want me to add any other features. 🙂

The post Ubersuggest Chrome Extension 2.0: The Ultimate Keyword Research Tool appeared first on Neil Patel.

Top 10 Cleveland Indians Blogs and Websites To Follow in 2020

Top 10 Cleveland Indians Blogs Contents [show] ⋅About this list & ranking Cleveland Indians Blogs Indians.com | Official Cleveland Indians Website Let’s Go Tribe | A Cleveland Indians Community Away Back Gone | A Cleveland Indians Fan Site Did The Tribe Win Last Night? Cleveland Indians Perspective The Sports Daily » Indians Submit Blog Do you want […]

The post Top 10 Cleveland Indians Blogs and Websites To Follow in 2020 appeared first on Feedspot Blog.

Top 10 Houston Astros Blogs and Websites To Follow in 2020

Top 10 Houston Astros Blogs Contents [show] ⋅About this list & ranking Houston Astros Blogs Astros.com | Official Houston Astros Website The Crawfish Boxes | A Houston Astros community Climbing Tal’s Hill | A Houston Astros Fan Site Chron.com » Houston Astros AstrosDaily.com | A Fansite For The Houston Astros Astros Mission Control Astros Future | The […]

The post Top 10 Houston Astros Blogs and Websites To Follow in 2020 appeared first on Feedspot Blog.

Fight Back: Get an Unsecured Business Line of Credit in a Recession

The COVID-19 pandemic has quite literally turned the economy on its head.  Businesses are suffering, and recession is imminent.  Not only that, but aside from the influx of federal funds to the SBA, banks are not going to keep lending so freely for much longer. The time to get funding to help your business survive the recession is now.  Still, is it even possible to get an unsecured business line of credit in a recession?

Everything You Need to Know Before You Apply for an Unsecured Business Line of Credit in a Recession

Even during a recession, it is almost impossible to run a business without financing.  At some point you will need a large supply of cash that you do not have. Even if you do have sizeable cash reserves, it is typically not a good idea to deplete them all at once.  A line of credit can be a huge help, because the credit line is revolving. This means you do not have to continually apply for it. It is just there to use as needed. The problem is, small business lending drastically decreases during a recession.   How do businesses survive then? How can you get an unsecured business line of credit in a recession?

Before You Learn How, Learn Why

Before the how, know the why.  An unsecured business line of credit in a recession can help you make repairs, cover a cash gap, or just take advantage of an awesome wholesale promotion without reapplying for credit. You are likely not going to have all the cash on hand.  This is especially during a recession.

Even if you do, a business line of credit is a great way to build business credit and manage cash flow.  If you use it properly. The question then becomes not “if” you need business financing, but rather “what type” of business financing do you need.

The options are many. Which one is best for your business will depend on multiple factors. There are both unsecured and secured lines of credit, term loans, various types of invoice lending, credit cards and more.  During hard economic times, some financing options are more available than others. The greatest cutbacks on lending are in the larger banks. Typically, traditional term loans are squeezed the hardest.

Therefore, finding an unsecured line of credit in a recession isn’t impossible.  It may not be as easy to come by as during an economic boom, but it is possible. You are likely to have better luck at the smaller banks.

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

The Fine Print

Under each lending option there are sub options for specific types of borrowers, specific borrower needs, secured, unsecured, and even options with cash back and other rewards.

The best way to make a decision is to learn as much as you can about each one.  Do this before you need financing. Then when the time comes, you already know what you need.

The unsecured line of credit is one option that is often misunderstood. It can be difficult to determine why you would choose this option over a secured line of credit or a term loan, and if you do, what are the benefits?

Why Choose a Line of Credit?

The best way to explain this is to line up the unsecured line of credit head to head with the most commonly used other options.

Unsecured Line of Credit in a Recession vs. Term Loans

Besides the fact that it is much harder to get a term loan during a recession, the answer here is pretty straight forward. If you need cash occasionally for various reasons, a line of credit is your best bet.  If you have a large, specific purchase or project, then a term loan could work better depending on a number of variables.

Consider the following scenarios:

One company is beginning to see cash gaps due to a lag in customer payments.  The recession is hitting everyone hard, and while no one has completely stopped paying, the average time receivables stay on the books has increased. In this situation, a line of credit is the best option. You will have the financing to use from month to month.  Also, you can take only what you need, and pay it back once the invoices are paid.

The next company needs to add another truck to its fleet to handle the shipping for increased orders.  This kind of growth is fortunate given the recession, but they need to finance the truck. In this situation, a term loan would be best.  It may be difficult to find given the slow economy, but the smaller banks may just come through.

Unsecured Line of Credit in a Recession vs. a Business Credit Card

A credit card is very similar to a line of credit. Most often the glaring difference is the use of a card, though some business lines of credit offer a card for access in addition to checks.  Similar to how some credit cards offer checks for access as well as a card.

Another difference is that sometimes you can use your lending institution’s online banking option to make direct transfers from a line of credit to a checking account, if the accounts are at the same institution. Also, if you need cash, there is no cash withdrawal fee usually with a line of credit. Credit card cash advance fees can expensive.

Credit cards tend to have higher interest rates than business lines of credit also, though unsecured lines of credit in a recession can have very high interest rates as well.

What if You Could Have Both? Credit Line Hybrid

What if there were an option that allowed you to have an even better interest rate than a secured loan, and yet get the money faster and easier than any type of traditional funding.  What if you could get business funding similar to an unsecured business line of credit without having to supply any bank statements or check stubs? Imagine that you could get funding in a few days rather than weeks without supplying any collateral or documents? This is exactly what the credit line hybrid allows you to do.

What is a Credit Line Hybrid?

A credit line hybrid is basically revolving, unsecured financing.  It allows you to fund your business without putting up collateral, and you only pay back what you use.

What are the Qualifications?

How hard is it to qualify?  Not as hard as you may think.  You do need good personal credit.  That is, your personal credit score should be at least 685.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Also, in the past 6 months, you should have less than 5 credit inquiries, and you should have less than a 45% balance on all business and personal credit cards.  It’s also preferred that you have established business credit as well as personal credit.

If you do not meet all of the requirements, all is not lost. You can take on a credit partner that meets each of these requirements.  Many business owners work with a friend or relative to fund their business. If a relative or a friend meets all of these requirements, they can partner with you to allow you to tap into their credit to access funding.

Unsecured Line of Credit in a Recession vs Secured Line of Credit

Now that you can see the benefit of using a line of credit over other financing options in certain situations, you need to know when and why to choose an unsecured line of credit.

The fact is, an unsecured line of credit in a recession, or in times of a strong economy, is harder to get. It typically has the higher interest rate of the two as well.

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

This is due to increased risk to the lender. A secured business line of credit has collateral. If you don’t pay, the lender can still use the collateral to recover some if not all of the loss.

Some business owners either do not have collateral to offer, or they have no interest in tying up their assets with financing. In these cases, they may be able to get line of credit without security.

An unsecured line of credit in a recession typically has strict approval guidelines and qualifications. Due to the increased credit risk, it will likely have higher interest rates and less favorable repayment terms as well.

Where Can You Find an Unsecured Line of Credit in a Recession?

As a general rule, the same places you could any other time.  Not all lenders offer this as a product, but there are options available at many traditional and alternative type lenders. Which one you go with depends, again, on your specific situation.  During an economic downturn, alternative lenders may be your best bet.

Traditional lenders offer the lowest interest rates, but their repayment terms may be less flexible. They will also have qualifications that are harder to meet and a longer approval process. In addition, it can take several days after approval to have access to the funds.

An alternative lender will usually have easier to meet qualifications and more flexible repayment terms, but the interest rates are much higher. The approval process is much faster though, and usually takes place all online.  In some cases, you can have access to funds in as little as 24 hours.

Application Preparation

The items you need to apply for an unsecured line of credit in a recession are the same as what you would need for any other time. It will vary from lender to lender, but a general list includes:

· Bank statements

· Financial statements

· Tax returns

Some lenders will check your business credit score, and sometimes even your personal credit score as well. A score of 620 is usually the minimum requirement for approval, but some alternative lenders do not require a minimum score.  Some traditional lenders may require a higher score for an unsecured business line of credit in a recession than it would otherwise.

They are looking for minimum annual revenue as well.  Traditional banks are more likely to grant approval at $180,000 or more of revenue annually.  Alternative lenders usually have a lower threshold.

Basically, lenders want to see how long you have been in business and what your annual revenue is, thought exactly what they need to see to grant approval varies from lender to lender.

Examples of Unsecured Line of Credit in a Recession Options Unsecured Business Line of Credit in a Recession Credit Suite2from Real Lenders

Seeing exactly what types of products are currently available from real lenders can be helpful in understanding the difference between what traditional and alternative lenders offer.  Please note that lenders change product offerings and terms at their leisure, and then a change in economic client with trigger a change. Therefore, there is no guarantee these products have not been adjusted since this writing.

Traditional Lenders

Bank of America

There is currently an unsecured line of credit product available from Bank of American that ranges from $10,000 to $100,000. There is a $50 origination fee if approved. The origination fee is a limited time offer.  It is usually $150.

A business must have been in business for two years and have a minimum of $100,000 in annual revenue to qualify.

Alternative Lenders

Fundbox

The unsecured line of credit offered by Fundbox goes up to $100,000. You will also have to have a business bank account. 

The interest rate will increase based on annual revenue and time in business.

OnDeck

OnDeck offers an unsecured business line of credit of up to $100,000.  You repay it weekly for up to 6 months.

Check out how our reliable process will help your business get the best business credit cards, even during a recession.

Blue Vine

This one ranges from $5,000 to $250,000.  The repayment term is from 6 to 12 months.

StreetShares

With repayment terms from 3 to 36 months, this is a good option if you qualify. Amounts start at $5,000 and range up to $150,000. They also offer some specialty products with lower interest rates.

An Unsecured Business Line of Credit in a Recession Is a Viable Option

Even if the recession has caused lenders to cut back, an unsecured line of credit in a recession could be an option.  It is way better than a term loan during a recession for a number of reasons. The first is that you can control payments.  

A term loan requires a set payment each month, while a line of credit requires you only to make payments on the amount you use.  If you only use what you need, you will very likely come out with a lower monthly payment.

If you don’t have collateral or do not want to tie up your assets with financing, an unsecured line of credit is an option. The repayment only on what you use may cost less than an unsecured term loan despite the higher interest due to being unsecured.

The bottom line is that an unsecured business line of credit can be more costly than a secured line of credit, but less costly than a term loan. While they are easier to get if you have been in business longer, have higher annual revenue, and have a great credit score, they are not impossible to get without these things. If you are not sure how much you need, or the need could vary, and you do not want to tie up assets or do not have assets to offer as security, then an unsecured business line of credit could be for you.

The post Fight Back: Get an Unsecured Business Line of Credit in a Recession appeared first on Credit Suite.

Stock exchange dangers: Is my cash actually worth it?

Securities market dangers: Is my cash actually worth it? Conserving your cash in a financial institution does not tempt you, seeing it use also little development capacity. You transform to the supply market. Wait! Are the threats associated with purchasing the stock exchange worth my cash? Spending is a great device to raise you cash, …

Glide (YC W19) is hiring a product designer and two engineers

Glide’s (glideapps.com) mission is to create a billion new software developers by 2030. We started by making it easy & fun for anyone to create mobile apps from Google Sheets, but our ambition is to radically improve how software is designed & developed in general, so that anyone can create software to improve their community, …

Stock exchange dangers: Is my cash actually worth it?

Securities market dangers: Is my cash actually worth it?

Conserving your cash in a financial institution does not tempt you, seeing it use also little development capacity. You transform to the supply market.

Wait! Are the threats associated with purchasing the stock exchange worth my cash? Spending is a great device to raise you cash, however you need to recognize and also maintain an open mind what to search for.

It goes without saying, purchasing supplies is a danger. There are some dangers that thankfully, you can regulate.

Real, some obtain rich in spending in “warm” supplies such as the “dot-com” bubble in the 1990s, however when the first buzz around these supplies start to move, so does your financial investment. If you actually require to spend in these supplies, you have to maintain a continuous eye on them and also attempt to offer them when they begin to level off or decline.

Essentially, it implies getting a little bit of a whole lot of various kinds of bonds and also supplies. In that means, if one supply obtains down, one more one of your supply could be up and also will certainly aid you recuperate some of your losses.

There are additionally business that use “security supplies”. It will certainly be an audio choice to have numerous shares of firms such as this in your profile. This is due to the fact that such supplies seldom vary and also usually provide a stable and also sluggish development, hence providing you a guarantee in your financial investments.

Spending in these supplies could provide you a greater return yet in the lengthy run, these supplies will certainly simply offer you concerns. Check Out the Wall Street Journal or see the supply records on information networks to understand even more regarding your supplies.

Are the threats included in spending in the supply market worth my cash? Real, some obtain well-off in spending in “warm” supplies such as the “dot-com” bubble in the 1990s, however when the first buzz around these supplies start to move, so does your financial investment. In that method, if one supply obtains down, an additional one of your supply could be up and also will certainly aid you recoup some of your losses. Spending in these supplies may offer you a greater return however in the lengthy run, these supplies will certainly simply provide you fears. Review the Wall Street Journal or view the supply records on information networks to recognize even more regarding your supplies.

The post Stock exchange dangers: Is my cash actually worth it? appeared first on ROI Credit Builders.

The post Stock exchange dangers: Is my cash actually worth it? appeared first on Business Marketplace Product Reviews.

Electronic Banking as well as Privacy Policies

Electronic Banking as well as Privacy Policies

Personal privacy plan regulations impacts electronic banking equally as it does any kind of various other kind of financial facility. You may wish to maintain your individual info exclusive. It is excellent to understand just how your financial institution deals with personal privacy plan if so.

A research study was done to establish just how well various financial institutions, consisting of electronic banking firms, managed personal privacy plan. All banks need to have personal privacy plans that are customer pleasant. This remains in maintaining with the spirit of the legislation.

The legislation concerned is the Gramm-Leach-Blily Act, or GLB, as it is frequently called. This was established by Congress in July of 2001. It enables to banks to perform organisation in lots of essential methods.

To customers, there is an area dedicated to the personal privacy of financial consumers, consisting of internet financial clients. Financial institutions need to give customers with a duplicate of their personal privacy plan. This clarifies just how your individual details will certainly be utilized by electronic banking procedures and also various other financial institutions.

Your individual info would certainly consist of any kind of details that can be determined as your specific details. Maybe your name, address, social safety number, electronic banking purchases you have actually made in your name, as well as various other details. It can additionally be any kind of info that can be presumed by having a few of this info.

The research reviewed physicals financial institutions, clicks to blocks financial institutions, online financial institution electronic banking procedures, and also various other banks. It contrasted each firm’s personal privacy plan, exactly how they notified customers concerning their personal privacy plan, and also what alternatives customers had with them to “opt-out.”.

You are stating to the firm that you do not desire your details to be shared with various other business that are not connected with the financial institution if you opt-out. Under GLB, electronic banking solutions still have the alternative of sharing your details with associates and also marketing companions, yet they need to educate you that they are doing so.

One trouble has actually been that the personal privacy plan declarations sent to customers by electronic banking firms and also various other financial institutions have actually been difficult for lots of people to figure out. They are not precisely a very easy read. There is a motion to make them less complicated to recognize.

An additional issue is that some electronic banking firms have actually made it really hard to opt-out of having their info shown unassociated organisations. It must be the simplest with electronic banking. Some internet financial firms have on the internet kinds to fill up out so that you can be completed with it in brief order.

Some internet financial websites make it virtually difficult to opt-out. They make you most likely to an 800 number, or compose for a mail-in kind, or they might not have opt-out in all. These remain in the minority, yet you need to expect them when contrasting on-line financial institutions.

The bright side is that digital electronic banking firms that provided basic financial solutions like examining and also interest-bearing accounts racked up the very best in the research. Examine out your net financial organization’s personal privacy plan prior to you authorize up if you desire to maintain your info personal.

Personal privacy plan regulation influences internet financial simply as it does any kind of various other kind of financial facility. A research was done to establish just how well various financial institutions, consisting of internet financial firms, dealt with personal privacy plan. To customers, there is an area committed to the personal privacy of financial consumers, consisting of internet financial clients. One trouble has actually been that the personal privacy plan declarations sent out to customers by web financial firms and also various other financial institutions have actually been difficult for a lot of individuals to figure out. An additional issue is that some internet financial business have actually made it extremely hard to opt-out of having their info shared with unconnected organisations.

The post Electronic Banking as well as Privacy Policies appeared first on ROI Credit Builders.

The post Electronic Banking as well as Privacy Policies appeared first on Business Marketplace Product Reviews.