Day: September 23, 2020

New comment by e8gy3 in "Ask HN: Who is hiring? (September 2020)"

Glimpse Protocol | Software Engineer (frontend and backend) | Remote (UK-based) | London, UK | Full-time | https://glimpseprotocol.io

Tech Stack: Kotlin, Arrow, SMILE/Tensorflow, Typescript, React, Redux, Styled Components, Ethereum, K8s

Glimpse Protocol is bringing technological innovation to consumer privacy. We create platforms that respect privacy and empower consumers in the ownership of their data.

Our current focus is privacy preserving digital ads – a needed fix for an industry built on questionable consumer data practices. To deliver this, we are building a cross functional team spanning software engineering, data science, data engineering, dev ops, blockchain, and programmatic advertising all wrapped within a performant distributed system.

Glimpse is backed by ConsenSys, Founders Factory, Guardian Media Group Ventures, Innovate UK, Nesta, and the Department for Digital, Culture, Media and Sport.

// Edit to add links for applying

Frontend: https://smrtr.io/4nCD7

Backend: https://smrtr.io/4nCBY

The post New comment by e8gy3 in “Ask HN: Who is hiring? (September 2020)” appeared first on ROI Credit Builders.

New comment by bmabeySN in "Ask HN: Who is hiring? (September 2020)"

SimpleNexus|Software Engineer (full-stack)| Based in Lehi, UT.
Tech Stack: Vue.js, Ruby on Rails; Swift and Kotlin for mobile (we’re open to hiring those who don’t have experience in our tech stack as well)

We are a rapidly growing Saas company looking for talented Software Engineers to join the team!

SimpleNexus sets the bar for what a digital mortgage platform should be.

Check out our careers page at: https://simplenexus.com/sn/careers/ to apply and learn more about who we are!

The post New comment by bmabeySN in “Ask HN: Who is hiring? (September 2020)” appeared first on ROI Credit Builders.

Biden and the Supreme Court

He refuses to say if he’d go along with his party’s court-packing scheme.

The Xinjiang Model Comes to Tibet

Beijing denies ill-treatment but bars unmonitored visitors.

How To Build A Chatbot For E-commerce

A chatbot for e-commerce gives you the power to engage with new, existing, and potential customers with real-time, text-style messaging, without actually providing (and paying for!) a live person.

Through carefully scripted conversations, your brand can provide your customer base with support, information, and resources 24/7.

Like any conversation, chatbots are a two-way street —- and there are benefits for both brands and users.

Customers (or prospective costumes) can find information quickly, without having to wait for a human. And you can draw customers through the sales funnel, without interacting with them directly.

Chatbots leverage artificial intelligence more than any other technology, and can help you:

  • Identify and nurture qualified leads
  • Provide customer service and support
  • Interact with past customers, including providing shipping and return information
  • Gather feedback on the customer experience
  • Recommend related products to increase sales

If you are looking for a way to build a real relationship with your audience, improve customer service, and even increase sales, chatbots should be high on your list of priorities.

Today, I will explain exactly how to build and launch a chatbot for your e-commerce store from start to finish.

The good news is, it’s likely a lot easier than you think!  

What Is the Goal of Your Ecommerce Chatbot?

Getting clear on your goals will help you avoid distractions and stay laser-focused on results.

Chatbots for e-commerce are a powerful sales and marketing tool. So before you get started, get a handle on what you want your chatbot to do for your business.

Here are a few more features to consider before digging into building your chatbot:

  • Where do you want the chatbot to be located?
  • What other platforms, such as social media, do you want it connected to?
  • What kind of information do you want to supply to your customers?
  • What are your customers looking for when they interact with your chatbot?
  • Do you want users to be able to request and connect with a live person?
  • How will your chatbot fit into your overall marketing strategy?

Getting a handle on what you want, at least initially, will help you build your chatbot efficiently, without getting distracted by the myriad of things chatbots can do. (Seriously, they can do a ton.)

I highly recommend considering the power of Facebook Messenger when it comes to chatbots. Well over a billion users are using Facebook Messenger every month, so interacting with your brand can be seamless.

Messenger can give you valuable user insights, such as their name and location, that can help you help them find what they want – and ultimately move them through your sales funnel.

One of the most useful tools for launching a Facebook messenger chatbot is Manychat, which we’ll cover below.

Building a Chatbot

Yes, it’s possible to plug-in Facebook messenger directly into your website. Still, a third-party chatbot program gives you the power to set up automated conversations through scripts, answering popular questions, or assisting customers, without human interaction.

Every program has its own interface and step-by-step plan to actually build your bot, so instructions may vary.

Not only can you build a chatbot for your e-commerce but customers can also subscribe to your content using that platform, so when you publish a blog post with a sale or new product, it’ll go right to their Facebook messenger app.

How to Set Up a Chatbot

  1. Choose which platform you want to work with. I’ll walk you through Manychat, but there are several other options, including Chatfuel, Botsify, and Mobile Monkey. I’ve chosen Manychat for an example.
  2. Log in from their website, using your Facebook credentials.
  3. Give the chatbot program access to your Facebook page.
  4. Provide some basic information about your company and your goals.

Now, it’s time to start creating the chatbot’s content, including broadcasts (like an email blast) and conversation flows — this is complex, but you only have to set it up once.    

On Manychat, go to “Automation” to see your options for various flows or sequences.

e-commerce chatbot example

Building a chatbot for e-commerce comes down to writing scripts that engage, educate, and serve your customers.

You can start editing these default messages, such as the Welcome message to include your brand information and a warm greeting.

e-commerce chatbot example

Now it’s time to build flows that simulate real conversation with your customers, allowing them to interact with your brand.

To build flows in Manychat, the best option is the Flow Builder. This is available once you open and name a flow.

You can stay in Basic Builder mode, or click “Go To Flow Builder” in the upper right-hand corner.

e-commerce chatbot flow example

This will give you a visual representation of your conversation flow, which is really helpful for making sure you don’t miss anything. Keep adding dynamic steps to simulate the conversation you want to walk your visitors through.

How to Build Flows

  • Add Trigger. What’s going to launch this conversation? When you click “Add Trigger,” you’ll be given dozens of options, from subscriber opt-ins to keyword triggers to pop-ups on the side of the screen. Choose the one that makes sense for the goal of this flow. How will the customer start this conversation?
  • Add Text. It’s time to start the conversation. A warm “Hello, How can I help you?” is good. An introduction to your chatbot persona or your brand is also an excellent place to start.
  • Keep going. The conversation has only begun! Add images or galleries of choices. You can choose “User Input” in the Manychat Pro version, to allow customers to choose from various options in responding back with you. Here’s a quick look at a few of the button options you’ll have for each message.
e-commerce chatbot example

Consider looking at your customer service logs and planning conversations based on the most common questions customers or prospects ask.

6 Tips for Building an Effective Chatbot Script

Your script is the most critical part of building an effective chatbot. Here are a few tips to ensure your script is on point every time.

  1. Start with a welcome message: Remember you are simulating a conversation. If a real person just walked up to you and started talking about a sale, it would be a little weird. Start with a “hello” and maybe an offer to help or another soft opening.
  2. Provide a Main menu: Provide this option early in the sequence to help customers find what they need quickly and allow them to return to the menu if they need to. Use a gallery view and include pictures and links to basic information on your page.
  3. Use personalized text tags whenever feasible: If you can use a merge tag to fill in the customer’s name, or other personalizations, you can sound more human. But be careful, because overdoing the personalization can come across as fake.
  4. Think like the user: As you are planning the conversational flow of your chatbot, think of it as a flow chart, with various options leading to other options. If they say this, you say that. And so on. However, don’t lose sight of your ultimate goal, which is to close a sale or prompt a sign-up. Ensure each path leads to a goal or to another engagement, such as subscribing or talking to a live person.
  5. Include a Buy Now option: If your goal is to drive sales, a buy button will make it easy for customers to convert. Allowing them to purchase right there in Facebook messenger is key.
  6. Get the Unsubscribe option: Give users a way to opt-out of communication, either through an Unsubscribe button or a keyword such as “stop.” Provide the instructions early in the communication.

Should I Use E-commerce Chatbot Templates?

You can use templates designed to help you set up flows even faster. These templates can take some of the guesswork out of building the chatbot script.

Relying on the templates is tempting — it could save you so much time!

But be careful. Relying too heavily on templates can make your conversations feel fake and stilted. I recommend using them carefully — but remember that you know your customers best.

Consider reviewing Abandoned Cart templates and Out of Stock templates for e-commerce specifically.

These can help you drive sales to an already interested crowd.  

Here’s what ManyChat’s Starter template looks like in a simulation:

e-commerce chatbot example

Remember to use these templates as starting points. Dive in the customization options, from images and text to unique flows, to ensure the interaction sounds natural and is authentic to your brand.

Make every update you need to make sure you don’t sound like someone else or too robotic.

Building In Natural Characteristics

When we text, we move at a certain pace, as fast as our fingers or thumbs can type. It’s important that your chatbot move with the same kind of rhythm, otherwise it can become too robotic or pushy.

Here are a few tips for making your chatbot feel more natural:

  • Keep messages short. Use a string of two or three messages, rather than a long paragraph of text that will visually overwhelm the customer.
  • Create pauses between each message. This allows for those familiar three dots to animate, giving customers breathing space in between texts and simulating a more human interaction.
  • Attach links and photos in ways that feel human, rather than a barrage of content. It should feel like “Here this is probably what you’re looking for,” rather than “Here is our entire menu to choose from. See anything you like?”

Testing Your Chatbot for E-commerce

As you start setting up conversations in your e-commerce chatbot, you’re going to want to test the chatbot to make sure conversations feel natural and interactions are working the way you expect them to. There are a few ways you can test your flows to make sure they are working:

Set Up A Test Facebook Page

Create a new Facebook page to use internally for development. Then link your chatbot program account to that page, in addition to your brand’s pages.

Do all your development of flows, broadcasts, and other experiments in that test page.

Then you can log in to Facebook messenger and see them live for yourself and ask other team members to simulate customer interaction and make sure things look and function properly.

Make Use Of The Program’s Live Visuals

If it’s available, try the live visual simulator so you can see how your flows will play out in real-time. Watch these with scrutiny and a customer’s eye. Are things happening an even pace? Does it feel natural or like a sales blast?

Integrating Your E-Commerce Chatbot

One of the great benefits of using a chatbot program is leveraging the widget tool and embedding your chatbot on your website or other online locations.

Where can you lead customers to interact with your chatbot? Here are just a few ideas:

  • A pop-up box on your site, asking customers if they need help
  • A subscribe button to receive your newsletter or sales blasts through messenger
  • A sign-up for events, virtual or in-person

These “triggers” can set up conversations with users, allowing them to opt-in to your chatbot and providing you with customer data.

Available programs offer a range of widgets or buttons with code snippets you can place in the code of your website.

Tutorials are available, but if you aren’t sure, hiring a web developer for this quick project or hourly may be the way to go with this.

Conclusion

Building a chatbot for e-commerce can take your sales to the next level.

Not only can it give you access to highly qualified leads, but also allows you to position yourself as a resource and knowledge base. With an e-commerce chatbot, you can build rapport with your customers and ultimately nurture loyalty.

Using one of the built-in systems, you’re just a few clicks away from starting to engage your customers, giving them valuable information, and driving sales.

As you’re building, don’t lose sight of your brand messaging and voice. Stay on track with who you are as a company, and you’ll be on your way to building a chatbot that sounds authentic to your unique point of view.

How can you use a chatbot for your e-commerce site?

The post How To Build A Chatbot For E-commerce appeared first on Neil Patel.

Top 25 Motorcycle Touring Blogs and Websites To Follow in 2020

Top 25 Motorcycle Touring Blogs Contents [show] ⋅About this list & ranking Motorcycle Touring Blogs RoadRUNNER | Motorcycle Touring & Travel Magazine Lone Rider | Adventure Motorcycle Blog Bandit Rider Scooter in the Sticks | Exploring life on a Vespa and BMW K75 motorcycle. Motorcycle Paradise Motorcycle Marc Motorcycle Touring Tips The Motelorcycle Chronicles | Motels and […]

The post Top 25 Motorcycle Touring Blogs and Websites To Follow in 2020 appeared first on Feedspot Blog.

Top 25 Classic Car Blogs and Websites To Follow in 2020

Top 25 Classic Car Blogs Contents [show] ⋅About this list & ranking Classic Car Blogs The ClassicCars.com Journal Petrolicious AutoClassics | Classic Car News and Analysis Old Cars Weekly | Old Car News Classics World | News ClassiCar News Fossil Cars Take to the Road | Classic Car Blog Classic Car News | Classic Car News Pics […]

The post Top 25 Classic Car Blogs and Websites To Follow in 2020 appeared first on Feedspot Blog.

How to Get a Commercial Line of Credit Right Now

Covid-19 has turned the world topsy turvy.  There is no way around it.  Most businesses need a little extra financial cushion at the very least.  Most need much more than that.  What happens in this post COVID-19 economy is literally unfolding as we watch.  A commercial line of credit could be just the thing to keep your business going during a recession.

Get a Commercial Line of Credit Fast

The thing is, most business owners need money right now.  That means you need the fastest, most cost-effective commercial line of credit that you can get. Why a line of credit rather than a loan?  There are a few reasons, but one main reason. 

Commercial Line of Credit vs. Loan

The most basic definition of a commercial line of credit is that it is a revolving credit, similar to a credit card. You have a limit and continuous access to that limit while making payments only on the portion you use each month. 

For example, if you have a $10,000 line of credit, you can use however much of those funds you need each month for whatever you want, unless your lender issues some sort of restriction. If you use $2,000, then when you get your statement you will have to pay $2,000 plus the interest, rather than a payment plus interest on the entire amount of the loan.

If you were to pay $1,000, then spend another $500, you would pay on the $1,500 balance the next month. Your payments change as your balance changes. Just like with a credit card. 

What is the advantage of a line of credit over a term loan?  Flexibility, hands down.  With a line of credit, you do not have to repay or pay interest on any amount that you do not use.  You have access to the funds as needed, but you do not have to repay the entire amount unless you use the entire amount.

commercial line of credit Credit Suite

Credit Line Hybrid Financing:  Get up to $150,000 in financing so your business can thrive.

Commercial Line of Credit vs. Credit Cards

Now, you’re probably thinking that credit cards are super easy to get, and they work the same way.  It’s revolving credit.  You only use what you need.  You only pay back what you need. 

Why is one better than the other? In some cases, a credit card may be the better option. This is a choice to make based on several different factors. 

The main difference between the two that most borrowers need to know is that a line of credit typically has a lower consistent interest rate.  However, there are no perks like 0% interest or cash back that you sometimes see with credit cards. 

Another benefit with a credit card is that it is typically unsecured credit, meaning you do not have to have collateral.  Many credit lines do require security, or collateral. 

Middle Ground: Credit Line Hybrid

There is middle ground between unsecured and secured credit, and between a commercial credit line and credit cards.  It’s called a credit line hybrid.  A credit line hybrid is revolving, unsecured financing that allows you to fund your business without putting up collateral, and you only pay back what you use.  It’s quickly accessible, lower interest, and high limit. It’s the best of both worlds. 

Who Qualifies for this Type of Commercial Line of Credit?

Who qualifies for a credit line hybrid?  Well, if you have a personal credit score of at least 685, you’re off to a good start.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Furthermore, 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, it’s okay. 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. 

What are the Benefits of This Type of Commercial Line of Credit? 

There are many benefits to using a credit line hybrid.  First, as already mentioned, it is unsecured.  That means you do not have to have any collateral to put up.  Next, the funding is “no-doc.”  You do not have to provide any bank statements or financials.  

Not only that, but typically approval is up to 5x that of the highest credit limit on the personal credit report. Furthermore, frequently you can get interest rates as low as 0% for the first few months, allowing you to put that savings back into your business. 

The process is pretty fast, especially with a qualified expert to walk you through it.  One other benefit is this.  With the approval for multiple credit cards, competition is created.  That means it’s likely if you handle the credit responsibly, that you can get interest rates lowered and limits raised every few months. 

Private Lenders: Another Way to Get a Commercial Line of Credit Fast

Private lenders generally operate online.  They typically offer lines of credit to those with credit scores that are lower than what is generally required by traditional banks.  In addition, often you can get the funds within a few days of application, rather than a few weeks. Here are a few examples. 

Kabbage

Kabbage offers a credit line of up to $150,000 with no credit score required. The catch is that the interest rate is between 32 and 108%. The business must have been in existence for at least one year and have revenue of at least $50,000. 

Due to the extremely high interest rate, this is really only an option for those businesses that cannot get financing due to a low or nonexistent credit score and need something immediately. 

StreetShares

The credit line that StreetShares offers goes up to $100,000 for those who have a business credit score of at least 600.  You also  have to have been in business for at least one year, and have at least $25,000 in revenue. It requires weekly repayment. 

This is a good option for smaller businesses that are okay in the credit department but have trouble meeting higher revenue criteria. Also, the interest rate minimum is lower than some.  The low end at 9%.

OnDeck

If you have a credit score of at least 600 you can get a credit line of up to $100,000 with OnDeck . The interest rate is a little higher than some that require a higher credit score minimum. It ranges from 13.99 to 39.99 percent. 

Again, due to the higher interest rate, this should only be an option if you cannot meet the higher credit score requirement with a lender that offers a lower interest rate.

commercial line of credit Credit Suite

Credit Line Hybrid Financing:  Get up to $150,000 in financing so your business can thrive.

Lending Club

The credit line  at Lending Club goes up to $300,000. It requires a credit score of 600, at least one year in business, and $50,000 or more in revenue. The repayment term is 25 months. In addition, they require collateral for limits over $100,000. 

This is a good option for those who meet the requirement as there is a higher limit available with collateral, and the interest rate can go as low as 6.25%. Also, the repayment terms are more manageable. 

Credit Card Options

Of course, while not the perfect solution, credit cards are an option.  You have to be careful, and you want to research to ensure you get the best rates and terms possible.  Here are some to start with. 

Brex Card for Startups

The Brex Card has no yearly fee.  Also, you will not need a personal guarantee. However, this card does not work for every industry. 

To determine creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors. Rewards include 7x points on rideshare and 4x on Brex Travel. Also, you can get  triple points on restaurants and get double points on recurring software payments. Get 1x points on everything else.

Capital One® Spark® Classic for Business

The Capital One® Spark® Classic for Business is another good one to consider. It has no annual fee, but there is also no introductory APR offer. The regular APR is a variable 24.49%. However, you can get unlimited 1% cash back on every purchase for your company and there is no minimum to redeem.

While this card is within reach if you have fair credit scores, beware of the APR. If you can pay promptly, and completely, it’s a good deal.

Ink Business Unlimited℠ Credit Card

The Ink Business Unlimited℠ Credit Card has no annual fee and a 0% introductory APR. After that expires, the APR is a variable 14.74 to 20.74%. 

Earn unlimited 1.5% cash back rewards on every purchase made for your company and get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. Rewards rewards for cash back, gift cards, travel and more using Chase Ultimate Rewards®. You will need superb credit to get approval for this card.

Blue Business® Plus Credit Card from American Express

The Blue Business® Plus Credit Card from American Express has no  no annual fee and either, and it also has  a 0% introductory APR for the first year. After that, the APR is a variable 14.74 to 20.74%.

Get double Membership Rewards® points on everyday business purchases like office supplies or client dinners.  This applies to the first $50,000 spent each year. You get 1 point per dollar after that.  Your credit has to be really good to qualify.

American Express® Blue Business Cash Card

Another one to check out is the American Express® Blue Business Cash Card. It is identical to the Blue Business® Plus Credit Card from American Express. However its rewards are in cash instead of points. You get 2% cash back on all eligible purchases up to $50,000 per calendar year. After that, it’s 1%.

There is  no yearly fee, and there is a 0% introductory APR for the first one year. Afterwards, the APR is a variable 14.74 to 20.74%.  You will need awesome credit to qualify for this card.

commercial line of credit Credit Suite

Credit Line Hybrid Financing:  Get up to $150,000 in financing so your business can thrive.

Capital One ® Spark® Cash for Business 

The Capital One® Spark® Cash for Business card is another great option. It has an introductory $0 annual fee for the first year. After that, it costs $95 per year. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Also, you get unlimited 2% cash back.  YOu can rRedeem any time without any minimums.  You will need fabulous credit scores to qualify.

Discover it® Business Card

Another good one is the  Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for twelve months. Then, the regular APR is a variable 14.49 to 22.49%. 

You get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. Also, they double the 1.5% Cashback Match™ at the end of the first year. There is no minimum spend requirement either.

You can download transactions easily to Quicken, QuickBooks, and Excel. This one also requires great credit scores. 

The thing with credit cards is, you have to be so careful.  As with all debt, payments must be made on time.  However, the higher interest rates make this a little harder than it typically is with a commercial line of credit. 

A Commercial Line of Credit Can Help You Right Now

In this post COVID world, most business owners need money fast.  A commercial line of credit is the best way for that to happen, especially if you can get a credit line hybrid.  Truly, with the ability to use a credit partner, virtually everyone can access this type of funding.  It’s low interest, high limit, fast access to the funds you need to make sure your business thrives regardless of the state of the economy.

The post How to Get a Commercial Line of Credit Right Now appeared first on Credit Suite.

U.S. Stocks End Higher as S&P 500 Snaps Losing Streak

The recovery follows a bout of volatility that has tested investors’ confidence in the market’s monthslong rebound.

The post U.S. Stocks End Higher as S&P 500 Snaps Losing Streak first appeared on Online Web Store Site.

The 8 Best CRO Companies of 2020

Imagine this… Your website is ranked for every keyword you can think of. You are getting enormous levels of organic traffic… Full of enthusiasm, you rush to your sales manager to check the sales status. And your jaw drops seeing you’ve got little to none sales from all of that traffic. If that’s your current …

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