Day: January 19, 2021

Harvard Accuses Elise Stefanik

A dean declares a congresswoman unfit to serve as an adviser at her alma mater.

They Did Their Jobs Well

Pence, Kudlow, Rao, Pai and more: Here are the Trump appointees and policies that served the country.

How to Create Local Services Ads

Did you know roughly a third of U.S. shoppers check out local business listings online daily? To me, this means there’s a real opportunity to grow your business if you find a way to quickly and reliably connect with the best leads.

How do you achieve this?

By creating a Local Services Ad. Let’s dive in and explore why these ads are such an invaluable tool for finding customers and building your brand.

What Are Local Services Ads?

Local Services Ads connect you to local customers searching for the services you offer, whether you’re a tradesperson or small business owner.

  • They’re pay-per-lead rather than pay-per-click, meaning you only pay if someone contacts you through the ad.
  • Using these ads means you’re Google guaranteed; if someone’s unhappy with your work, Google refunds the cost.
  • Ads “rank” based on the number of positive reviews and customers served.

Here’s an example. When customers Google a search term like “New York plumber,” businesses running Local Services Ads appear at the top of the search results.

Local Services Ads Listings Lead Management Google Ads

If you click to see more plumbers, multiple listings show up.

Local Services Ads Google My Business Google Ads

To be clear, Local Services Ads aren’t the same as Google Ads or Google My Business.

  • Google Ads are pay-per-click, not pay-per-lead. This means you pay whenever someone clicks the ad, even if they don’t contact you or take action.
  • Google My Business lets you verify your business online and add contact details, including a website link. It’s not an ad.

You can use all three features, or opt for just one. It’s up to you!

How Do Local Services Ads Work?

Think of Local Services Ads as a fast-track ticket to positive leads. A few stats will show you why.

  • Four in five people want to see local ads when they’re searching for goods or services online. Local ads mean you’re giving users what they want, which, as good marketers know, makes your business all the more appealing.
  • Roughly 75 percent of local searches end in a phone call. In other words, these users are actively looking for goods or services, so you want to be one of the first listings to catch their eye.
  • 76 percent of customers visit a business within 24 hours of searching for them online. Local ads help you connect with these leads in the quickest time possible by putting you among the top search options.

In short, these local ads help you find leads who are primed to become paying customers. They’re a highly cost-effective and efficient way to market your business at the local level.

Let’s now return to our plumbing example above and work through the features of a typical listing. If we click on “Petri Plumbing & Heating,” here’s what the listing looks like:

Local Services Ads Local SEO Search Engine

This plumber has a 4.6 out of 5-star rating with 504 reviews, they’re accepting customers, and there’s a telephone number to lead potential clients to take the next step.

If we go down further, there’s a business overview. This is where you can set out:

  • Which services you offer
  • Your opening hours
  • The ZIP codes or area you work in
  • Business highlights, e.g., if you’re locally-owned or have a BBB A+ rating

Finally, there’s a section where customers can leave a review or read reviews left by others.

Local Services Ads - Reviews

If someone books a job through your listing and leaves a review, it’s verified by Google as legitimate. Long term, this reassures prospects that you are a legitimate, trustworthy business.

Managing Local Services Ad Leads and Pricing

Do you need to take every job the ad brings your way? No.

  • If a customer contacts you with a job you’re not interested in, you can reject it without penalty. You’ll still pay for the lead, though.
  • You can pause your ad for a short period. Since no one’s contacting you through the ad, you won’t be charged anything during this time.

Simply put, you’re still free to choose the jobs you want, and you only pay for the ad when there’s a high chance of conversion, i.e., a prospect contacts you.

Steps to Create a Local Services Ad

Ready to create your own ad? Let’s work through the setup process together, starting with the basics.

1. Check Your Eligibility

Local Services Ads aren’t available for everyone just yet, so the first step is checking your eligibility. It’s really quick and easy to do.

Click the “Get Started” button on Google’s local service homepage.

Next, select your country, ZIP code, and job categories from the drop-down menus.

Local Services Ads - Check Your Eligibility

If Local Service Ads are available to you, move on to the next step.

2. Create a Local Services Ad Profile

Congratulations, you can set up a Local Services Ad! Now it’s time to write a great profile. Your profile determines, among other things:

  • Who finds your listing
  • Which jobs come your way

In other words, it’s important to get it right.

First, input basic details, including your business name and contact details. You need to provide your own name, too, but it won’t show up on the listing.

Once you’ve completed the first screen, it’s time to add specific details about what services you offer, how much you charge, and the ZIP codes you service.

For instance, if you’re a plumber, here are possible services you can offer:

Local Services Ads - Create Your Profile

So, if you can’t repair sewers or garbage disposals (or you don’t want to offer these services), you can remove these options.

This lets prospective customers know what to expect before they contact you, meaning there’s less chance of you sifting through jobs you don’t want.

You’ll also note the important caveat at the bottom of the screen: You shouldn’t offer services that you aren’t qualified to complete safely. It’s also your responsibility to ensure you have the right licenses to work legally.

One other thing: Even if you’re registered for other Google services, like Google My Business, you still need to create a separate profile for Local Services Ads.

3. Submit Relevant Paperwork

To improve service quality, Google needs you to upload various documents. You must prove you’re:

  • Qualified to work in your chosen industry
  • Licensed to work in the jurisdiction

Why must you upload these documents? Well, it’s all part of the Google Guarantee. Google won’t cover you unless you can prove you’re properly licensed.

Before you complete this section, verify your paperwork is accurate. I’d also suggest double-checking which licenses you need in your jurisdiction to make sure you upload the right documents.

How do you know which documents to provide? Google has a list. If we stick with our plumber example, here are which documents you need:

Local Services Ads - Submit Relevant Paperwork

4. Complete the Background Check

If you’re based in the U.S. or Canada, you and all your employees must complete a background check before you can visit customers at their home address or workplace.

Again, it’s a fairly simple process. Google’s background check partner contacts you, and they’ll ask for relevant information. They’ll cross-check the info you and your team provide against national registries, and they’ll confirm your Social Security numbers are valid.

Do you pay for this background check? Thankfully, no.

5. Manage Your Budget

Once you complete your business profile and pass the background check, you’re ready to start advertising. There’s still one essential box to tick, and that’s setting your budget.

Here’s how it works.

  • You decide how many leads you want in a week or month. This determines how much you’re prepared to spend. For example, if you don’t want to pay for more than 20 leads per month, don’t set a budget for 30.
  • You’re only charged for each lead you generate through these ads, so if you only receive 10 leads, you won’t spend your whole budget that month.
  • It’s easy to tweak your budget if you want more or fewer leads at any time.

To start, it’s probably best to set a modest budget and lead target. You can test the waters this way and increase your budget over time if you feel it’s a good service for you.

6. Review Ad Leads

Just remember, “leads” aren’t customers until you book a job. That’s why it’s key to stay ahead of your leads and follow up on them.

You can review your leads on your desktop inbox or through the mobile app. You’ll always be notified of a new lead anyway, but viewing them this way may make it easier to take action on them.

Best Practices for Local Services Ads

Not sure what to include in your Local Services Ad? Don’t worry, I’ve got you covered. Here are my five top tips for writing an effective ad and generating the best possible leads for your business.

1. Personalize Local Services Ads

First, make sure your local listing showcases your company’s plus points. Here’s what I mean.

  • Explain why you stand out from the competition. What makes you the right service provider for the job?
  • Highlight selling points. For example, if you offer emergency callouts or out-of-hours services, state this in your ad.
  • Use short sentences where possible. They’re easier to read.

The more information you provide, the more likely prospects are to contact you.

2. Include Relevant Details in Local Services Ads

Think about this from a customer’s perspective. What other details do they need to decide to use your business? Here are some examples.

  • Be really clear about which ZIP codes you serve and if your services vary between areas.
  • Set out working hours in a user-friendly format.

What’s relevant varies from business to business, so give it some thought before you complete your listing.

3. Respond to Leads Promptly

Remember, these leads are users actively looking for the services you provide, so don’t let them go cold. Here are some tips to manage your inbox.

  • If you miss a call, return it as soon as possible, even if you’re rejecting the job. Frequently missed or unreturned calls can lower your ad ranking.
  • Set aside blocks of time throughout the day to return messages and follow up on emails.

Most people don’t expect an instant reply, because good service providers are usually busy! However, if your goal is to book jobs and build your business through Local Services Ads, you need to keep a close eye on your dashboard.

4. Encourage Customer Reviews

According to Google, customer reviews directly influence your ad ranking. How do you get those all-important positive reviews? Well, great service is a must, but you also need to ask for them. Here’s how.

  • There’s an “ask for review” button next to each job. Click it to send a review link to the customer.
  • Or, once you book a lead and mark it as completed, ask the customer for a review.

One other point: The top search results, whether it’s a paid ad or organic result, draw over 75 percent of the traffic, so get those positive reviews rolling in.

Local Services Ads - Encourage Customer Reviews

5. Review for Accuracy

Have you moved premises? Do you need to change your opening hours?

Make sure you update your Local Services Ad to reflect changes like these. Otherwise, you might deter potential customers from working with you.

Finally, keep details consistent across all your profiles, including, for example, Google My Business.

Why is consistency so important? Well, it helps potential customers find you more easily, and it might even build some trust in your brand.


Over 46 percent of Google searches are local, and Local Services Ads can really help you tap into this huge potential customer base. I highly recommend using these listings as part of a diverse, well-rounded digital marketing strategy.

Just remember to keep your information accurate and respond to leads promptly to make the most of your ads.

If you’re unsure where to get started with Google ads or digital marketing more generally, check out my consulting services and free SEO analyzer.

Are you using Local Services Ads to find customers? How are they working for you?

The post How to Create Local Services Ads appeared first on Neil Patel.

How to Get Blog Post Ideas From YouTube

About two-thirds of companies find it tough to produce engaging content. If you’re one of them, there’s a good chance your problems stem from the ideation phase. In other words, you’re struggling to come up with enough engaging blog post ideas.

Now, if you’re a regular visitor to my blog, you’ll know I write a lot of content (also, thanks for reading!). I’ve been doing this for a long time now. But I still sometimes struggle to come up with new blog post ideas.

So what do I do when writer’s block strikes?

Well, I lean on the tried-and-trusted methodologies I’ve built up over the years for devising new content titles.

Of those methodologies, one of the most consistently useful is to raid YouTube for blog post ideas. I’m going to tell you exactly how to do it in this article.

Why Should You Use YouTube for Inspiration?

It might seem counterintuitive to use a streaming video site to find blog post ideas. Wouldn’t it make more sense just to look at other blogs?

Sure, that can be a super effective tactic, too, but you can’t learn everything from reading your competitors’ blogs. If you keep relying on the same old sources to find content inspiration, you’ll inevitably keep producing the same sort of content, time and again.

If you want to keep pushing the boundaries and creating fantastic content that makes a real impact, you need to cast the net wider. Here are a few reasons why YouTube can help you do that.

It’s Easier to Differentiate Yourself

When you use other blogs to inspire your blog post ideas, you might find yourself wondering: “How can I do this better?”

Sometimes, you’ll be lucky. You’ll stumble across a super engaging title, but the actual article will be poor quality. Maybe it’s several years old and the information hasn’t been updated. Or perhaps it only scratches the topic’s surface, rather than going in-depth.

Other times, there’s no obvious way to improve on the original. But because you’re so convinced it’s a great blog post idea, you end up effectively rewriting your competitor’s article and adding a ton of extra information that doesn’t add any real value. Congratulations, you’ve written a worse post than your rival!

This is far less of a problem when you use YouTube to find new ideas. Why? Because with a lot of videos, there simply won’t be a decent written version available. There might be a transcript of the video, but nothing that’s been created with readability in mind.

That makes it much easier for you to go out and create something better.

There’s So Much Content to Draw Inspiration From

An astonishing 500 hours of content gets uploaded to YouTube every minute, and that number is growing every year:

find blog post ideas - hours of video uploaded to youtube

To put that into context, the major six movie studios released 87 pictures in 2019, at an average length of just over 96 minutes. That means it takes YouTubers around 16 seconds to upload the equivalent of an entire year’s worth of Hollywood content!

With such a wealth of content available, even super niche businesses are pretty much guaranteed to find something relevant to inspire them. And you don’t even need to navigate multiple platforms to find it.

People Interact With Videos & Blogs in Completely Different Ways

This is a subtle point, but an interesting one. Say you find a YouTube title that sounds like a perfect blog post idea, but it has not generated many views or engagement. Well, that’s not necessarily a problem.

Why? Because people engage with different content types in different ways.

blog post ideas - how users interact with content

As this HubSpot graphic shows us, people prefer to thoroughly consume videos rather than skim through them to find the information they’re looking for. That makes sense; videos are designed for watching from start to finish. There’s often no easy way to jump to a specific section.

Blogs are different. Only 29 percent of people read them from top to bottom, with 43 percent preferring to skip through. That’s because blogs are fantastic for skimming. Subheadings, bullet points, numbered lists, tables, and various visual elements make it simple to find the most relevant information.

So what does this tell us?

A piece of content could perform poorly on YouTube because it’s just not a good topic for a video. Yet it could still make for a fantastic blog post. So you don’t necessarily need to worry about how many views a video has racked up; you can just focus on finding good titles.

4 Ways to Find Blog Post Ideas From YouTube

YouTube is a gold mine of potential blog post ideas! Now here are four ways to find them.

1. Stalk Your Competition

If your competitors are on YouTube, they’ll have done a lot of the hard work for you. Chances are their content will be highly relevant to your audience, too. Go check it out, pick the best titles, and turn them into high-quality blog posts.

Start by drawing up a list of your competitors. Not sure who they are? Try the following:

  • Speak to your sales team: They’re the people selling your product, so they’ll know which companies they come up against regularly during the sales process.
  • Ask your customers: They likely considered a couple of different products before purchasing yours, so find out which other options they evaluated.
  • Do some social listening: Your audience might use forums and social platforms to seek out advice about your product and compare it to your competitors, so go find those conversations! Not sure how? Check out this article on my four favorite social listening tools.

Now you’ve got your competitor list, simply visit their YouTube channels and browse their existing content. In the “Videos” tab, you can use the drop-down “Sort By” menu to segment their content by:

  • Most popular
  • Oldest
  • Newest
browse competitor youtube to find blog post ideas

So let’s imagine I’m one of your competitors. Checking out my most popular videos feels like a good place to start.

Straight away, you’ll see a bunch of titles that you know have resonated with my audience. Most, if not all, of those titles could also be written up as blog posts, like:

  • SEO for Beginners: 3 Powerful SEO Tips to Rank #1 on Google in 2020
  • How to Promote Your YouTube Video When You Have ZERO Subscribers
  • How to Create a Digital Product That Generates (AT LEAST) $100,000 Per Month
  • How to Write a Blog Post From Start to Finish
  • 1 Simple Hack to Getting 1,000 Likes on Facebook

You don’t even need to watch the videos (although you should, they’re great). Take the titles, switch them up, do your research on the topic, then turn them into new blogs.

2. Read the Comments

YouTube comments get a bad rap, but they can be a surprisingly rich source of content inspiration. Commenters are rarely short of advice on how videos could be improved or expanded, and those suggestions can help you formulate new blog post ideas.

Again, let’s use my YouTube channel as an example. Currently, this is my most-viewed video:

As well as clocking up more than 1.7 million views, it has received thousands of comments. A lot of those comments are essentially just people telling me they like the video, which is always nice to hear but not super helpful for finding new blog titles. But some of them give me (and my competitors, if they’re paying attention) a useful steer on future content ideas. Here’s a good example:

use youtube comments to find blog post ideas

Wendy wants to know how I use keyword information from Google Search Console to optimize my content. 

As you can see, I’ve already left a short response. But I could go further and create a whole blog post explaining how to use Google Search Console to improve your existing content and create new articles.

Here’s another useful comment on that same video:

Find blog post ideas from YouTube comments

Manav asks me if I have any content on Google AdWords certifications. As it happens, this isn’t something I cover, but it could make an excellent blog post idea for some of my competitors.

3. Take Advantage of Predictive Search

You probably think of YouTube as a video-sharing platform, but it’s also a search engine. In fact, it’s the second-largest search engine in the world.

With over two billion logged-in users visiting YouTube every month and watching more than a billion hours of content a day, the platform generates a ton of search activity. Thanks to its built-in predictive search functionality, you can use all that activity to track down potential blog post ideas.

This is a really simple process. Just enter a topic into the search box, and you’ll see a bunch of predicted searches:

Find blog post ideas with YouTube predictive search

Now, it’s a case of exploring the options that sound most relevant. “Marketing degree UK” probably isn’t right for me, but I like the sound of “marketing strategies for small business,” so I’ll take a closer look.

using predictive search to find blog post ideas

Just from viewing this tiny subsection of results, it seems that “how-to” content resonates with people looking for small business marketing strategies. So do listicles. In other words, we’re not only getting insight on blog post ideas; we’re also learning how our blogs should be structured.

But there’s more. Scroll down the page, and you’ll find a section on related searches:

Find blog post ideas with YouTube related searches

Each one of those could potentially give me a bunch of additional titles and reveal yet more related searches. The deeper you vanish into the rabbit hole, the more blog post ideas you’ll find!

4. See What’s Trending

It’s important to remember that there’s a whole world of content outside your specific niche. What’s going on out there will naturally affect you and your audience, so it might make sense to write about it.

But what if you don’t know what everyone’s searching for? 

Fortunately, YouTube can help here, too. Just visit the “Trending” tab in the left-hand homepage menu to find the content YouTube deems to be most relevant and topical:

use youtube trending topics to find blog post ideas

Sure, not all of it will be relevant to your audience or brand. Chances are, most of it won’t be. However, I make sure to check in with the Trending section at least once a day to be sure I don’t miss any opportunities to piggyback on viral topics.


Once you start thinking of YouTube as a search engine rather than a video platform, its role in finding new blog post ideas makes a lot more sense.

Just like Google, it’s effectively a huge directory of content on every subject you could ever imagine. But unlike Google, the vast majority of that content exists to engage audiences; the search results aren’t crammed full of product descriptions and category pages. That’s why it’s such a treasure trove for marketers seeking the inspiration they need to create superb content.

What tactics do you use to come up with new blog post ideas?

The post How to Get Blog Post Ideas From YouTube appeared first on Neil Patel.

11 Unique Ways to Get Paid to Drive in 2021

The best thing about side hustles is most of the time they are things we already do in our daily lives.

Like driving.

You can get paid to drive, and it’s the best thing to do.

You can become a delivery driver, a courier, advertise on your car, or rent your car. The possibilities are endless when you have a vehicle.

Of all the side gigs, driving is probably the most profitable and easy- to- do task, and it offers a lot of flexibility.


What are the different ways to get paid to drive?

As mentioned above, there are many ways to make money driving. You don’t need a car for some jobs; you can do your job with a scooter, bicycle, or even walk.

You can deliver stuff, advertise on your car, rent your vehicle, deliver food, or rideshare. It depends on whether you are looking for a flexible gig or just passive income.


Here are 11 ways to get paid to drive:



As a courier for Postmates, you will be delivering food, groceries, and drinks. This company is one of the top choices for people who are interested in food delivery jobs. If you are interested in becoming a Postmates driver, then all you have to do is sign up online with the Fleet app. Once the background check is done, you are ready to go.

The requirements to become a Postmates driver are as follows. You must

  • Be 18 years or older
  • Have access to an insured vehicle or a bicycle
  • Pass a background check

Pay – According to the Postmates website, you can earn up to $25 per hour delivering for this company.



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If you are someone who loves communicating with people, then driving for Lyft is a great option. You can become a driver-partner with this company and start a ridesharing gig.

Applying to become a driver with Lyft is pretty simple. You must

  • Be at least 21 years of age
  • Have a valid driver’s license that is at least one year old
  • Have a car with four external door handles and at least five seat belts
  • Own an iPhone or Android phone

Pay – You can earn up to $16 per hour as a Lyft driver-partner. This depends on the time of day and the city you work in.



DoorDash is another food delivery company that offers a lot of flexibility and good pay. It’s available in many cities in the US, and the sign-up process is very simple. With DoorDash, you don’t need to have a car; you can deliver via bicycle or even walk. You can learn more about Doordash in this detailed review.

The basic minimum requirements for you to become a Dasher are that you need to

  • Be at least 18 years old
  • Have a valid driver’s license and insurance
  • Have a smartphone to receive alerts for deliveries

Pay – You can earn anywhere from $8 to $15 per hour, depending on the city you are in.



If you are not keen on driving but want to earn some passive income from your car, then Getaround is a great option. You can earn money from your car by renting it out via Getaround. This is a great passive gig for people who don’t use their car much and want some extra money. With the Getaround app, you can rent your car, and the renters can even unlock the car via the app. To top it all, your car is insured for up to $1M with Getaround’s insurance policy.

To list your car on Getaround, there are certain requirements your car must meet including the following:

  • Be 2010 or newer
  • Have less than 125,000 miles on the clock
  • Seat no more than eight passengers and be a private passenger vehicle with at least four wheels

Pay – You can earn up to $10 per hour, but this depends on the car’s year, make, model, and the market. Keep in mind that Getaround takes a 40% commission from your pay.



Getting paid to drive is easy with Roadie. As a Roadie driver, you can deliver anything and get paid for it. You can choose your own schedule and accept the jobs you want on the app. Signing up is easy online or through the app.

Driver requirements for Roadie include the following:

  • Be at least 18 years old
  • Have valid driver’s license
  • Have a four-star rating in the Roadie community

Pay – The pay is between $10 and $40 per trip depending on the gigs and the distance traveled.



If you don’t mind having some ads displayed on your car, then you are looking at a good extra income source. Carvertise is a company that pays drivers to have rolling ads on their cars while they drive around in the city. It’s as simple as that. Though there are a good number of scams out there, Carvertise is one of the legit companies that lets you rent your car for displaying ads.

You can fill out the online application, and once your profile is matched with a brand campaign, you can get your car wrapped and start driving.

To become a Carvertise driver you must

  • Drive at least 30 miles/day
  • Have a clean driving record
  • Own a 2008 model car or newer
  • Factory finish paint job

Pay – Carvertise pays by the campaign, and you can expect up to $100 per month with this company.



With Instacart you can use your car to deliver groceries as a full-service shopper, or you can choose to become an in-store shopper and just bag the products. You can sign up online, and once the background check is done, you can start the job. This is a very flexible gig where you can choose your own hours.

The requirements to become a full-service shopper are that you must

  • Be 18 years of age or older
  • Be eligible to work in the US or Canada
  • Own a smartphone with Android 5.0 or later or iOS 9 or later
  • Have a functioning, registered vehicle
  • Have vehicle insurance
  • Be able to lift 30+ pounds

Pay – The average pay is between $14 and $15 an hour and depends on the location you work in, the hours, and the type of orders you take.

Read our in-depth Instacart review to learn more about this company.


Amazon Flex

You can work as a delivery driver for Amazon Flex and earn extra money on the side. This side job has all the perks like flexibility and good pay. Once you sign up online, download the app, fill in the details, and get a background check, you can start choosing your hours.

The requirements to become an Amazon Flex driver include the following:

  • Be at least 21 years old
  • Own a smartphone
  • Have a valid driver’s license and insurance
  • Have a qualifying vehicle

Pay – According to the website, you can earn between $18 and $25 per hour.



Turo is another peer-to-peer rental company that lets you rent your car for extra money. You can list your car for free by giving all the details on the website. Once the listing is live, renters can go ahead and rent your car. Turo also gives you insurance coverage of up to $750,000 to keep you stress-free.

The vehicle requirements to list your car on Turo are

  • Only 2006 or newer models are accepted
  • Less than 130,000 miles
  • Clean title
  • Registered in the United States

Pay – Though the website states that you can earn up to $1,000 per month, it depends on your location and the model of the car.



Wrapify is a company that lets you rent your car for ad display. Wrapify is just like Carvertise and pays well too. You can sign up online or through the app. The main difference between Carvertise and Wrapify is Wrapify pays per mile you drive.

The requirements to rent your car with Wrapify include the following:

  • Be 21 years of ageold or older
  • Have a smartphone
  • Own a 2008 or newer model car

Pay – You can earn up between $150 and $500 per month approximately depending on the wrapping type you choose.



Like Instacart, Shipt is an on-demand grocery delivery service that lets you shop for and deliver products. Shipt works a lot like Instacart, and it is very easy to apply online. Once you pass the background check and download the app, you can start working.

Here are the Shipt shopper requirements:

  • Be at least 18 years old
  • Have a valid current mailing address
  • Have a valid US driver’s license and auto insurance
  • Have a reliable vehicle (1997 or newer)
  • Possess knowledge of produce selection
  • Be able to lift 45 pounds
  • Have a smartphone – iPhone (iOS 10 or newer) or Android (5.1 or newer)

Pay – The base pay for Shipt shoppers is $6 per hour plus the tips.


Getting paid to drive is easy and sometimes it can be totally passive income. You do have to take care of things like having your car in good condition, being ready to drive certain distances, and having a valid license and insurance.

If you are someone who is keen on making money on the side, then consider the above options and start earning money from your car.

The post 11 Unique Ways to Get Paid to Drive in 2021 appeared first on Crowd Work News.

Top 5 French Horn Podcasts You Must Follow in 2021

Top 5 HIV Podcasts Contents [show] ⋅About this list & ranking French Horn Podcasts Pathways Horn Notes Podcast Horns & Stuff The French Horn Experiment Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you want to grow your traffic and revenue. Submit Your Blog French Horn Podcasts View Latest Posts […]

The post Top 5 French Horn Podcasts You Must Follow in 2021 appeared first on Feedspot Blog.

401(k) Plan Financing

What is 401(k) Plan Financing?

You already know that your retirement funds are an asset. But did you know that you can use them right now? Do you have a 401(k) or an IRA or stocks? Did you know that you can tap that source of funding now? And you can do so without losing interest. You will not get in trouble tax-wise, either. Yes, it is possible to get 401(k) plan financing for your small business.

401(k) plan financing is not a loan. You will not have to pay an early withdrawal fee. And you will not have to pay a tax penalty.

You will put the money back, by contributing, just like you do with any 401(k) program. This means you will not lose your retirement funds.

What are Some of the Details of 401(k) Plan Financing? 

Our 401(k) plan financing offers a powerful and flexible way for new or existing businesses and franchises to leverage assets that are currently in a 401(k) plan or IRA. Or these are assets which are tied up in stocks. In as little as 3 weeks you can invest a portion of your retirement funds into your business. This gives you more control over the performance of your retirement plan assets. And it gives you the working capital you need for business growth.

Is the IRS Happy with 401(k) Plan Financing?

Absolutely! This is a 401(k) Rollover for Working Capital program. It is also known as a Rollover for Business Startups (ROBS), as the IRS calls it.

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

What Are the Tax Implications of 401(k) Plan Financing? 

Per the IRS, a ROBS qualified plan is a separate entity with its own set of requirements. The plan, through its company stock investments, rather than the individual, owns the trade or business. Therefore some filing exceptions for individuals, may not apply to such a plan. As always, it is going to be best to check with an expert.

What are the Specifics? 

This type of financing is not a loan against, your 401(k), so there is no interest to pay. It does not use the 401(k) or stocks as collateral. Instead, this is simply a movement or change of custodian.

How Do You Qualify? 401k Plan Funding Credit Suite

401(k) financing is quite easy to qualify for. You will not need financials or good credit to get approval. To qualify for 401(k) financing, all the lender will require is a copy of your two most recent 401(k) statements.

If your 401(k) has a value of more than $35,000 you can get approval. This is even with severely challenged personal credit. You can receive whichever percent of your 401(k) is “rollable” as financing.  In many cases, you can secure a low-interest credit line or loan for 100% of your current 401(k) value.

Keep in Mind…

The 401(k) you use cannot be from a business where you are currently working. So it will have to be from older employment. You cannot be currently contributing to it. Your 401(k) must have at least $35,000 in it.

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

What if a Business Owner Has Credit Issues Now? 

Our 401(k) financing program is perfect for business owners with credit issues. Because lenders are not looking for, nor do they require good credit to qualify. Approval can happen regardless of personal credit quality. You can get approval even if you have recent derogatory items and major collections on your credit report. This is one of the best and easiest business financing programs in existence. You can qualify for and get really good terms even if you have severe personal credit problems.

How Soon Can You Get 401(k) Funding? 

The only documents the lender wants to see are your 401(k) statements. The last full statement should be one of them. After the lender reviews your 401(k) statements, you can receive your initial approval and funding in 3 weeks or less. You can get a working capital credit line to use for whatever purposes you want.

What are the Benefits? 

You can get 24-hour preapproval. And you pay no penalties for the roll-over. It is just an easy 401(k) review for approval. Plus you pay no application fees.

You can get approval with poor credit. Go from application to funding in 3 weeks or less. This form of financing reports to the business credit reporting agencies. Therefore you can build business credit while you pay back your 401(k) financing!

Set up a 401(k) plan in your company, and then invest your 401(k) in it. Your company becomes cash rich, and debt-free.

You will work with a CPA. They will help you roll over a non-contributing and qualifying account. This allows for cash out of half, or $50,000, whichever is lower.

If applicable, the CPA you work with will structure a self-directing IRA for the remaining funds. You will get a 5 year management and consulting service for your corporation.

What are the Terms? 

The terms are 5 years, and the cost is 1%. You will pay $4995 for a lender fee for the 401(k) option. So this includes 5 years’ worth of management and consulting.

But is it Legal? 

Absolutely! Under ERISA (the Employee Retirement Income Security Act), the burden of building retirement assets has undergone a shift from the employer to the employee. As a result, you can be younger than 59 ½, and you will not have to pay an early withdrawal fee.

401(k) financing is an excellent opportunity to invest in yourself. By using 401(k) plan financing, you are investing in a company you control. Its fortunes are in your hands. Your employees can use the new 401(k) plan, too. So you can help them take care of their own retirements.

With 401(k) financing, you will be able to enjoy the success of your small business today. And you will be able to enjoy it again in the future when you retire.

Demolish your funding problems with 27 killer ways to get cash for your business. Get money even during the worst of a recession.

Why is 401(k) Financing Better than a Distribution? 

Unless you are 59 ½ years old, you will be paying an early withdrawal penalty. Yes, you would be paying to use your own money. So, you never want to get a distribution!

Why is 401(k) Financing Better than a Loan from Your 401(k)? 

But if your plan allows for loans, the IRS will only let you borrow up to 50%, up to $50,000, before you have to start paying taxes.

Of course with a loan, that means you would be paying interest. Again, you would be paying to use your own money. Plus, not every 401(k) plan so much as allows for loans.

So the bottom line is that 401(k) financing is a unique program. This program allows you to tap into your existing retirement account, with no penalties or taxable distributions. You can use those funds for business. This financing option avoids loans, banks, or credit checks.

401(k) Plan Financing: Takeaways

Investing your 401(k) or IRA money or stocks in your business can be a smart way to fund a company. You pay no interest and create a retirement plan in your business at the same time. This setup is perfectly legal and the IRS definitely allows it. We can help you use your 401(k) to fund your business. Just ask us how.

The post 401(k) Plan Financing appeared first on Credit Suite.

Using Credit Cards to Fund Your Business

Are you using credit cards to fund your business? No? Then what are you waiting for? Even during the age of COVID-19, it is possible.

Using Credit Cards to Fund Your Business

We researched a ton of company credit cards for you. So, here are our favorites.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of consumer cards!

This reveals you can get a lot more cash with small business credit. And it also shows you can have personal credit cards at stores. So, you would now have an added card at the same retail stores for your business.

And you will not need collateral, cash flow, or financials to get company credit.

Using Credit Cards to Fund Your Business: Advantages

Benefits vary. So, make certain to select the benefit you prefer from this choice of alternatives.

Using Credit Cards to Fund Your Business With 0% APR

Blue Business® Plus Credit Card from American Express

Take a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day business purchases like office supplies or client dinners for the initial $50,000 spent each year. Get 1 point per dollar afterwards.

You will need great to excellent credit to qualify.

Find it here:

American Express® Blue Business Cash Card

Also check out the American Express® Blue Business Cash Card. Keep in mind: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. But its rewards are in cash instead of points.

Get 2% cash back on all eligible purchases on up to $50,000 per calendar year. Then get 1%.

It has no annual fee. There is a 0% introductory APR for the first one year. After that, the APR is a variable 14.74 – 20.74%.

You will need good to exceptional credit to qualify.

Find it here:

Using Credit Cards to Fund Your Business with Flexible Financing

The Plum Card® from American Express

Check out the Plum Card® from American Express. It has an initial yearly fee of $0 for the first year. Afterwards, pay $250 annually.

Get a 1.5% early pay discount cash back bonus when you pay within 10 days. You can take up to 60 days to pay without interest when you pay the minimum due by the payment due date.

You will need excellent to outstanding credit to qualify.

Find it here:

coronavirus and biz Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Using Credit Cards to Fund Your Business Despite Fair Credit

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your company, with no minimum to redeem.

While this card is within reach if you have average credit scores, beware of the APR. But if you can pay on time, and in full, then it’s a good deal.

Find it here:

Using Credit Cards to Fund Your Business for Luxurious Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Have a look at the Capital One® Spark® Miles for Business. It has an introductory annual fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.

This card is great for travel if your expenditures don’t fall into conventional bonus categories. You can get unlimited double miles on all purchases, without limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you just get it if you spend $4,500 in the initial 3 months from account opening. There is no foreign transaction fee. You will need a great to outstanding FICO rating to qualify.

Find it here:

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For an excellent sign-up offer and bonus categories, take a look at the Ink Business Preferred℠ Credit Card.

Pay an annual fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.

Get 100,000 bonus points after spending $15,000 in the first three months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get three points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.

You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a great to exceptional FICO score to qualify.

Find it here:

No Annual Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no yearly fee while still getting travel rewards, have a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the first nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can get 30,000 bonus points when you make at least $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.

Earn unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is despite how much you spend.

Likewise earn 3 points per every dollar spent when you book your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can get and points do not expire.

You will need exceptional credit scores to get this one (as in, 700s or better).

Find it here:

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Have a look at the Marriott Bonvoy Business™ Card from American Express. It has a yearly fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need good to outstanding credit to get this card.


You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial three months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at US restaurants and filling stations. And you can get 4x the points on wireless telephone services purchased directly from American service providers and on American purchases for shipping.

Get double points on all other qualified purchases.


Plus, you get a free night each year after your card anniversary. And you can earn an additional free night after you spend $60,000 on your card in a calendar year.

You get Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases in a calendar year and get an upgrade to Marriott Bonvoy Gold Elite status through the end of the next calendar year.

Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here:

Using Credit Cards to Fund Your Business with No Yearly Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Have a look at the Ink Business Unlimited℠ Credit Card. Beyond no annual fee, get an introductory 0% APR for the initial twelve months. After that, the APR is a variable 14.74 – 20.74%.

You can earn unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more using Chase Ultimate Rewards®. You will need superb credit scores to qualify for this card.

Find it here:

Using Credit Cards to Fund Your Business Despite Fair to Poor Credit, Not Requiring a Personal Guarantee

Brex Card for Startups

Look into the Brex Card for Startups. It has no yearly fee.

You will not need to supply your Social Security number to apply. And you will not need to supply a personal guarantee. They will take your EIN.

However, they do not accept every industry.

Additionally, there are some industries they will not work with, and others where they want added documentation. For a list, go here:

To determine creditworthiness, Brex checks a company’s cash balance, spending patterns, and investors.

You can get 7x points on rideshare. Get 4x on Brex Travel. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.

You can have poor credit scores (even a 300 FICO) to qualify.

Find it here:

Using Credit Cards to Fund Your Business and Get Cash Back

Flat-Rate Rewards

Capital One ® Spark® Cash for Business

Check out the Capital One® Spark® Cash for Business. It has an introductory $0 yearly fee for the first year. After that, this card costs $95 each year. There is no introductory APR offer. 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. Get unlimited 2% cash back. Redeem at any time with no minimums.

You will need great to exceptional credit to qualify.

Find it here:

Flat-Rate Rewards and No Yearly Cost

Discover it® Business Card

Have a look at the Discover it® Business Card. It has no yearly fee. There is an introductory APR of 0% on purchases for year. Then the regular APR is a variable 14.49 – 22.49%.

Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimal spend requirement.

You can download transactions| easily to Quicken, QuickBooks, and Excel. Note: you will need great to excellent credit to qualify for this card.

Bonus Categories

Ink Business Cash℠ Credit Card

Take a look at the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the initial 12 months. After that, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first 3 months from account opening.

You can get 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on net, cable, and phone services each account anniversary year.

Get 2% cash back on the initial $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limitation to the amount you can get.

You will need outstanding credit scores to receive this card.

Find it here:

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Take a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no annual fee. You can get a $300 statement credit offer.

Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. After that earn 1% after, with no limits.

You will need exceptional credit to qualify.

Find it here:

Using Credit Cards to Fund Your Business Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Using Credit Cards to Fund Your Business for Jackpot Rewards

Capital One® Spark® Cash Select for Business

Have a look at the Capital One® Spark® Cash Select for Business. It has no yearly fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can earn. Also earn a one-time $200 cash bonus once you spend $3,000 on purchases in the first 3 months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.

You will need great to outstanding credit scores to qualify.

Find it here:

COVID-19 business credit cards Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

The Best Business Credit Cards for You

Your absolute best business credit cards hinge on your credit history and scores.

Only you can select which features you want and need. So, make sure to do your homework. What is excellent for you could be disastrous for others.

And, as always, make certain to develop credit in the recommended order for the best, fastest benefits. Because the COVID-19 situation cannot last forever.

The post Using Credit Cards to Fund Your Business appeared first on Credit Suite.

New comment by almirantux in "Ask HN: Who wants to be hired? (January 2021)"

Location: Chile Remote: yes Willing to relocate: NO Technologies: ruby and rails , python, django, php, postgresql Résumé/CV: by mail or Telegram Email:

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Joe Biden's Early Test From Moscow and Beijing

An expiring arms-control deal is a chance to address hypersonics and make China come to the table.

The post Joe Biden’s Early Test From Moscow and Beijing appeared first on ROI Credit Builders.

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