Day: April 1, 2021

Dover (YC S19) is hiring our first Growth Product Engineer

Article URL: https://www.dover.com/open-roles/growth-product-engineer Comments URL: https://news.ycombinator.com/item?id=26640412 Points: 1 # Comments: 0 The post Dover (YC S19) is hiring our first Growth Product Engineer appeared first on ROI Credit Builders.

The post Dover (YC S19) is hiring our first Growth Product Engineer first appeared on Online Web Store Site.

The post Dover (YC S19) is hiring our first Growth Product Engineer appeared first on ROI Credit Builders.

Here Come the Biden Taxes

The middle class will pay for the largest tax increase since 1968.

Biden Builds Government Back Bigger

He redefines infrastructure as climate subsidies and social welfare.

What is Out-of-Home Advertising?

In our digital world, it might feel like all marketing is done online. But, that would mean ignoring an incredibly effective strategy—out-of-home advertising.

Out-of-home advertising (OOH) refers to the process of reaching consumers while they are, you guessed it, out of their homes.

While this may conjure images of NYC Times Square billboards, there are many mediums that qualify as out-of-home advertising.

The best news is, these methods are highly effective.

In fact, according to the Out-of-Home Advertising Association of America, 66 percent of smartphone users took action after interacting with an out-of-home advertisement.

Additionally, 74 percent of those who visited a business after interacting with an out-of-home advertisement made a purchase.

Those are some pretty compelling statistics that should make you think twice about adding out-of-home advertising to your campaign’s strategy playbook.

Not sold? Check out the below infographic that identifies which advertising mediums consumers trust the most. See number five? Out-of-home advertising comes in way ahead of search ads or sponsored posts.

out of home advertising as fifth most trusted mode

In short, if you’re not considering out-of-home advertising, you’re missing out on valuable leads.

Types of Out-of-Home Advertising

While we already mentioned the NYC Times Square billboard, there are less ubiquitous mediums for out-of-home advertising. These include:

  • local billboards
  • complimentary merchandise (t-shirts, cups at sporting events)
  • transit placement (bus stops, benches, kiosks)
  • point-of-sale displays (backs of taxi cabs, diner tables, flyers at the grocery store)
  • blimps

While it is unlikely your organization will opt to sponsor a blimp, there are many options for marketers looking to establish new sources for attracting new consumers.

6 Tips for a Successful Out-of-Home Advertising Campaign

Much like any advertising or marketing campaign, your execution is only as good as your plan. There are six must-have steps to help you get your out-of-home advertising campaign off the ground.

1. Research Your Location

Regardless of your out-of-home advertising campaign’s goals, you need to do some research on the location.

This information will not only inform the size and limitations of your ad but will also help you decide which locations are worth your budget and which are not.

Imagine you’re a local restaurant in a pedestrian-heavy area. Advertising your drink specials with a clever slogan on a chalkboard is going to be much more beneficial than a billboard with the same message.

Conversely, if you’re a car dealership offering end-of-the-year deals, a billboard is going to be a much better strategy than a sign outside of your building.

When it comes to location, you need to ask four specific questions:

  • Is this visible?
  • Who travels through this area?
  • What do those passing by want or need?
  • How can my product(s) solve this need?

After you’ve answered these three questions, you can start building your out-of-home marketing strategy around these answers.

2. Go Digital

Just because you’re advertising out-of-home doesn’t mean you have to go technology-free. Digital billboards are a great alternative to conventional billboards. In fact, here are three reasons you should consider opting for a digital billboard.

  • Save money: Digital billboards have fewer associated costs than traditional billboards for installation and removal. Additionally, if research shows people will be more receptive to your product during a particular time of day, you can opt only to display your billboard during that time slot.
  • Increased visibility: Digital billboards are always illuminated, whereas conventional billboards may not be. By going the digital route, you ensure travelers can see your billboard, regardless of the time of day.
  • Changeability: With digital billboards, you can change your content whenever, wherever. With traditional billboards, construction and deconstruction are time-consuming and costly, limiting your ability to swap out language, imagery, or messaging.

Here are three cool digital billboards.

The Economist created a clever digital board that turns a lightbulb on over the head of a walker, connoting the idea of wisdom shared through the publication.

Tips for Successful Out of Home Advertising Campaign - The Economist

Beloved US baseball team The LA Dodgers created enthusiasm for their upcoming games by using a countdown on their digital billboards that ticks down to the second.

Tips for Successful Out of Home Advertising Campaign - Dodgers billboard

Oreo took advantage of a current event by using the hashtag #oreoeclipse.

Tips for Successful Out of Home Advertising Campaign - Oreoeclipse

Whether your billboard is responding to current events or simply underlining your product’s main value proposition, getting creative is a surefire way to find out-of-home advertising success.

3. Use Eye-Catching Displays

While the out-of-home advertising market is nowhere near as saturated as that of the digital advertising market, you can use the same principles to ensure your advertisement stands out from the crowd.

Below, we discuss five strategies that can make your billboard outperform its neighbors.

  • Use bright colors: To get attention from drivers, you need to use all of the tools in your arsenal. Using bright colors that elicit a reaction is a great way to score billboard views.
  • Countdowns: Counting down to a product launch or an event, or the end of a sale is a great way to drive viewers to take action. Consider using this strategy on your billboard, driving would-be consumers to take action.
  • Simplicity: Don’t try to incorporate multiple images or messages into your billboard. You want to be succinct while being direct.
  • Designs with high contrast: At large distances, being subtle does not pay off. Take this opportunity to use contrasting colors to make your ad as visible even from far away.
  • Be short and sweet: You have a limited amount of time to make an impression, so be sure your message is short and to the point.

4. Make It Shareable

The true litmus test of a successful marketing campaign is action. If your out-of-home advertisement drives people to talk about or share your advertisement, then you can consider the ad a success.

To garner maximum audience interaction, brainstorm ad ideas that encourage a response.

Looking for inspiration? Check out these out-of-home advertising ideas that had people talking.

CVS made a big splash with their #BeautyUnaltered campaign.

The digital billboards encouraged viewers to upload their unfiltered selfies as a tie-in with the companies’ dedication to using unedited photos of models.

Tips for Successful Out of Home Advertising Campaign - Digital billboard CVS

In the Ad Council’s Out There for Us campaign, the organization featured out-of-home ads that thanked front-line workers during the COVID-19 pandemic through real quotes.

The ad asked viewers to Tweet their thanks using the hashtag #OutThereForUs, encouraging interaction and then further sharing those quotes.

Tips for Successful Out of Home Advertising Campaign - Ad Council billboard

5. Research the Competition

Before wedding yourself to a location, see if your competitors are using similar strategies in similar locations. What works in their ads? What are they missing?

Use these answers to capitalize on what they missed.

Keep in mind that placing an out-of-home advertisement close to your competitors’ sharing lower prices or better quality could work for you, but it could also have unintended consequences. (Like a price war.)

6. Set Quantifiable Goals

As you wade into the world of out-of-home advertising, be sure to follow the basic tenets of any marketing campaign.

Regardless of digital or conventional, your campaign must have clear, quantifiable marketing goals to assess success.

Do you want to:

  • Increase brand awareness?
  • Deliver on a call to action?
  • Share knowledge with your viewers?
  • Market a new product line?
  • Reach a new demographic?

To confidently determine if your campaign is reaching its aim, be sure to establish SMART goals. This acronym refers to concrete goals, achievable over time. These goals should be:

  • specific
  • measurable
  • attainable
  • relevant
  • time-bound

By fitting your goals within these constraints, you establish aims that are quantifiable, rather than nebulous.

3 Examples of Great Out-of-Home Advertising

Great out-of-home advertising doesn’t happen overnight. It takes strategy, research, and a true understanding of your audience. Below, we share our three favorite out-of-home advertising campaigns of all time and break down what made them so successful.

Pepsi

Pepsi wanted to make a splash at the 2019 Super Bowl. However, Super Bowl LIII wasn’t held just anywhere—it was held in Atlanta, Coca-Cola’s home turf.

By going all-in on an out-of-home advertising campaign, Pepsi was able to grow three percent in Q1 of 2019, not to mention scoring tons of social media reactions and interactions with their hashtag #ColaTruce.

Examples of Great Out-of-Home Advertising - Pepsi bus kiosk
Examples of Great Out of Home Advertising - Pepsi bus

While your budget may not be quite as large as Pepsi’s (the beverage brand’s budget was $1.7 million), you can still draw inspiration from this campaign that made out-of-home advertising work in their favor.

Dallas Cowboys & AT&T

2019 was a good year for out-of-home advertising.

In September, The Dallas Cowboys took out-of-home marketing to the field, launching interactive “Pose with the Pros” kiosks at their stadium.

Through this interactive campaign, fans could snap pictures with virtual likenesses of the players.

After taking the photo, users could choose to share the image on social media or email it to themselves or others.

While on the surface, this campaign was simply a treat for Dallas Cowboys fans, it also had another motive.

Fueled by AT&T, the out-of-home advertising campaign allowed the company to demonstrate their 5G technology prowess.

The result AT&T CMO claimed: “We were able to create experiences that let people know how fundamentally different 5G is from LTE.” Not to mention some pretty happy Cowboys fans.

Examples of Great Out of Home Advertising - dallas cowboys pose with the pros

Reebok

When you think of running, you don’t necessarily conjure the Reebok logo.

But all that changed when Reebok ran an out-of-home advertising campaign in Sweden that challenged passersby to run at a speed of 10.5 mph in exchange for a free pair of the brand’s ZPump 2.0 shoes.

Examples of Great Out of Home Advertising - Reebok sneaker kiosk

The campaign took off, earning 300,000+ views on YouTube and 30,000+ shares on social media. Invariably, next time anyone who interacted with that billboard thinks of running, they’ll think of Reebok.

Conclusion

Whether you want to add to your existing digital marketing strategy or go fully OOH, there are many mediums you can use for innovative advertising.

From billboards to park benches, the out-of-home advertising opportunities are endless.

However, OOH advertising should be viewed as a long-term campaign—it’s unlikely that you’ll see the same immediate success experienced with your digital campaigns.

But don’t get disheartened. The return on investment for your OOH campaigns is definitely worth the wait.

What’s the best OOH advertisement you’ve ever seen? 

Top 3 COPD Magazines, Publications & Journals in 2021

Top 3 COPD Magazines Contents [show] ⋅About this list & ranking COPD Magazines Taylor & Francis Online » COPD Dove Medical Press » International Journal of Chronic Obstructive Pulmonary Disease BMC Pulmonary Medicine Submit Blog Do you want more traffic, leads, and sales? Submit your blog below if you want to grow your traffic and revenue. Submit […]

The post Top 3 COPD Magazines, Publications & Journals in 2021 appeared first on Feedspot Blog.

How to Get a Business Loan with Bad Credit

Can you get a business loan with bad credit? If you already own a business, it’s a little easier. For starting a business, it’s a little more difficult.  You don’t have all the options you may have if your business is already established. For example, you do not have receivables to finance or credit card purchases to use to get a merchant cash advance.  That does not mean there are no options however. 

Can You Get A Business Loan with Bad Credit to Start a Business? 

There are options for starting a business, even if you have no money and less than stellar credit. Some of the options are loan options, and some of them are something different all together. You can get a business loan with bad credit, but it will not come without a cost. 

Collateral

Most of the options for a business loan with bad credit are going to require collateral. Here are some of those options. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

SBA Loans

There are many SBA loan programs.  For starting a business, the 7(a) program seems to be the most useful.  As the Small Business Administration’s flagship loan program, it offers federally funded term loans up to $5 million. You can use the funds for a number of things, including  expansion, purchasing equipment, working capital, and even starting a business.  Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds.

The minimum credit score to qualify is 620, and there is also a required down payment of at least 10% for the purchase of a business, commercial real estate, or equipment. The minimum time in business is 2 years. In the case of startups, business experience equivalent to two years will suffice. Here’s the kicker. You have to have collateral worth up to 50% of the loan to get approval with the minimum credit score.

The 7(a) is by far the most popular of the SBA loan programs, and the funds are available for a broad range of projects, from working capital to refinancing debt, and even buying a new business or real estate.

401K Loan

If you have a 401K, you can take a loan from it to fund a business.  You will be paying it back with interest, but the interest is being paid to yourself.  Yet, there is an even better option than this for 401K financing to start a business. 

The IRS calls it a Rollover for Business Startup (ROBS).  Why is it better than a 401K loan?  First of all, not all plans allow for loans.  If your plan does, the IRS will only let you borrow up to 50%, up to $50,000, before you have to start paying taxes.

Also, with a 401k loan, you would be paying interest.  That isn’t terrible, as you are paying interest to yourself. However, you will be making monthly payments, whereas with the 401K Rollover for Working Capital, there is no payment.

This is a unique program. It allows you to tap into your existing retirement account without penalties or taxable distributions. You also avoid loans, banks, or credit checks. There is no debt and no monthly payment. 

The lender will ask for a copy of your two most recent 401(k) statements. If the plan has a value of more than $35,000,  you can get approval. This is true even if you have really bad personal credit. You can get however much of your 401(k) is “rollable.” 

The plan you use cannot be from a business where you currently work. It will have to be from previous employment. Also, you can’t still be contributing to it. 

This type of funding can also help you build business credit

Guarantor

If you do not have collateral and you have bad credit, you are probably going to need a guarantor.  You can use a guarantor to get most types of loans.  One great option is the Credit Line Hybrid. 

A partner, friend, or family member with good credit can work as a guarantor.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Credit Line Hybrid 

This is unsecured business funding.  It allows you to fund your business without putting up collateral, and you only pay back what you use.  

If you don’t have a guarantor, you have to have a minimum credit score of 680.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Furthermore, in the past 6 months you should have fewer 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. 

Typically, approval is up to 5x that of the highest credit limit on the personal credit report. Often, 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 best part however, is that these accounts help build business credit as well. 

You can use the cash you get from the Credit Line Hybrid to fund a down payment on an SBA loan if needed. 

What If You Do Not Have Collateral or a Guarantor? 

What if you cannot get a business loan with bad credit? Maybe you don’t have collateral or a guarantor? There are a few other possibilities.  You can work with a crowdfunding crowdfunding company. The problem with crowdfunding is that, despite some companies finding success, success is the exception rather than the rule. 

Angel investors are an option as well.  These informal investors are often family or friends, but not always.  

Another option is alternative lenders.  These are non-bank lenders that will sometimes offer loans to businesses with lower minimum credit scores.  They do look at other factors, like time in business and income.  In fact, most of the time you have to be in business for at least 6 months. 

That makes it hard, though not impossible, to get funding from alternative lenders to start a business.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

You Need a Plan, and Business Credit

Ok so, you need to figure out how to get the funding to start.  Explore all your options, including  finding a guarantor, collateral, or tapping into your 401K.  Often the best idea is to combine two or more funding sources to get things rolling.  Still, however you start, begin building your business credit profile from the start. 

Your business credit profile is similar to your personal credit profile, except that is solely for your business.  It includes your business credit score, which is a way that lenders can determine how likely your business is to repay its debt, apart from you the owner. 

The thing about a business credit score is, you have to be intentional about establishing and building it. The first step is setting your business up properly to be fundable from the start.  Then, you can work on getting accounts that will report to your business credit profile and help you build your score. 

Once you have a strong business credit score, it will be much easier to get a business loan with bad credit, because your personal credit will not be the only thing lenders consider.  Don’t ignore it, because it can still affect things.  However, it will no longer be the sole ruler of your financial future. Find out more today at CreditSuite.com.

The post How to Get a Business Loan with Bad Credit appeared first on Credit Suite.

Dover (YC S19) is hiring our first Growth Product Engineer

Article URL: https://www.dover.com/open-roles/growth-product-engineer Comments URL: https://news.ycombinator.com/item?id=26640412 Points: 1 # Comments: 0 The post Dover (YC S19) is hiring our first Growth Product Engineer appeared first on ROI Credit Builders.

The post Dover (YC S19) is hiring our first Growth Product Engineer first appeared on Online Web Store Site.

How to Target Parents Through Paid Ads

One of the tricky parts about this is the fact parents are such a varied group. Forty percent of US households have at least one child under the age of 18, and that large group includes people from all walks of life. The USDA estimates that it costs $284,570 (with inflation factored in) to raise …

The post How to Target Parents Through Paid Ads first appeared on Online Web Store Site.

The post How to Target Parents Through Paid Ads appeared first on Business Marketplace Product Reviews.

How to Get a Business Loan with Bad Credit

Can you get a business loan with bad credit? If you already own a business, it’s a little easier. For starting a business, it’s a little more difficult.  You don’t have all the options you may have if your business is already established. For example, you do not have receivables to finance or credit card purchases to use to get a merchant cash advance.  That does not mean there are no options however. 

Can You Get A Business Loan with Bad Credit to Start a Business? 

There are options for starting a business, even if you have no money and less than stellar credit. Some of the options are loan options, and some of them are something different all together. You can get a business loan with bad credit, but it will not come without a cost. 

Collateral

Most of the options for a business loan with bad credit are going to require collateral. Here are some of those options. 

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

SBA Loans

There are many SBA loan programs.  For starting a business, the 7(a) program seems to be the most useful.  As the Small Business Administration’s flagship loan program, it offers federally funded term loans up to $5 million. You can use the funds for a number of things, including  expansion, purchasing equipment, working capital, and even starting a business.  Banks, credit unions, and other specialized institutions in partnership with the SBA process these loans and disburse the funds.

The minimum credit score to qualify is 620, and there is also a required down payment of at least 10% for the purchase of a business, commercial real estate, or equipment. The minimum time in business is 2 years. In the case of startups, business experience equivalent to two years will suffice. Here’s the kicker. You have to have collateral worth up to 50% of the loan to get approval with the minimum credit score.

The 7(a) is by far the most popular of the SBA loan programs, and the funds are available for a broad range of projects, from working capital to refinancing debt, and even buying a new business or real estate.

401K Loan

If you have a 401K, you can take a loan from it to fund a business.  You will be paying it back with interest, but the interest is being paid to yourself.  Yet, there is an even better option than this for 401K financing to start a business. 

The IRS calls it a Rollover for Business Startup (ROBS).  Why is it better than a 401K loan?  First of all, not all plans allow for loans.  If your plan does, the IRS will only let you borrow up to 50%, up to $50,000, before you have to start paying taxes.

Also, with a 401k loan, you would be paying interest.  That isn’t terrible, as you are paying interest to yourself. However, you will be making monthly payments, whereas with the 401K Rollover for Working Capital, there is no payment.

This is a unique program. It allows you to tap into your existing retirement account without penalties or taxable distributions. You also avoid loans, banks, or credit checks. There is no debt and no monthly payment. 

The lender will ask for a copy of your two most recent 401(k) statements. If the plan has a value of more than $35,000,  you can get approval. This is true even if you have really bad personal credit. You can get however much of your 401(k) is “rollable.” 

The plan you use cannot be from a business where you currently work. It will have to be from previous employment. Also, you can’t still be contributing to it. 

This type of funding can also help you build business credit

Guarantor

If you do not have collateral and you have bad credit, you are probably going to need a guarantor.  You can use a guarantor to get most types of loans.  One great option is the Credit Line Hybrid. 

A partner, friend, or family member with good credit can work as a guarantor.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

Credit Line Hybrid 

This is unsecured business funding.  It allows you to fund your business without putting up collateral, and you only pay back what you use.  

If you don’t have a guarantor, you have to have a minimum credit score of 680.  In addition, you can’t have any liens, judgments, bankruptcies or late payments.  Furthermore, in the past 6 months you should have fewer 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. 

Typically, approval is up to 5x that of the highest credit limit on the personal credit report. Often, 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 best part however, is that these accounts help build business credit as well. 

You can use the cash you get from the Credit Line Hybrid to fund a down payment on an SBA loan if needed. 

What If You Do Not Have Collateral or a Guarantor? 

What if you cannot get a business loan with bad credit? Maybe you don’t have collateral or a guarantor? There are a few other possibilities.  You can work with a crowdfunding crowdfunding company. The problem with crowdfunding is that, despite some companies finding success, success is the exception rather than the rule. 

Angel investors are an option as well.  These informal investors are often family or friends, but not always.  

Another option is alternative lenders.  These are non-bank lenders that will sometimes offer loans to businesses with lower minimum credit scores.  They do look at other factors, like time in business and income.  In fact, most of the time you have to be in business for at least 6 months. 

That makes it hard, though not impossible, to get funding from alternative lenders to start a business.

Learn more here and get started with building business credit with your company’s EIN and not your SSN.

You Need a Plan, and Business Credit

Ok so, you need to figure out how to get the funding to start.  Explore all your options, including  finding a guarantor, collateral, or tapping into your 401K.  Often the best idea is to combine two or more funding sources to get things rolling.  Still, however you start, begin building your business credit profile from the start. 

Your business credit profile is similar to your personal credit profile, except that is solely for your business.  It includes your business credit score, which is a way that lenders can determine how likely your business is to repay its debt, apart from you the owner. 

The thing about a business credit score is, you have to be intentional about establishing and building it. The first step is setting your business up properly to be fundable from the start.  Then, you can work on getting accounts that will report to your business credit profile and help you build your score. 

Once you have a strong business credit score, it will be much easier to get a business loan with bad credit, because your personal credit will not be the only thing lenders consider.  Don’t ignore it, because it can still affect things.  However, it will no longer be the sole ruler of your financial future. Find out more today at CreditSuite.com.

The post How to Get a Business Loan with Bad Credit appeared first on Credit Suite.

The post How to Get a Business Loan with Bad Credit appeared first on Business Marketplace Product Reviews.