Author: Mollie Fitzgerald

Options trading – Real-time tools evolve as ‘butterfly effects’ take flight

Michael Hollingsworth of Cboe Data and Access Solutions discusses the factors accelerating change in the options market and explains why buy- and sell-side participants are demanding a more nuanced view on options pricing and risk management data

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An Aushcwitz Survivor Dies in a New York Nursing Home

At 94, Felicia Friedman succumbed to Covid-19 and bureaucratic bungling.

The post An Aushcwitz Survivor Dies in a New York Nursing Home appeared first on ROI Credit Builders.

A Year Without Student-Loan Payments

The Covid-19 pandemic brought unexpected relief for millions of borrowers Here is how some of them were affected.

The post A Year Without Student-Loan Payments first appeared on Online Web Store Site.

They Did Their Jobs Well

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

7 Warning Signs You Have Product Flop on Your Hands (and How to Fix It!)

Ever have a really great idea for a product?

You know, the kind of idea that makes you want to grab strangers by the shoulders and explain the whole thing in a rush. For the next few hours or even days, you find yourself revved up in high gear, eager to turn your big idea into reality.

It’s an awesome feeling.

There’s only one problem: what comes up must go down, and sometimes big ideas do just that – they flop, hard.

You could shrug it off and say that failure is really a learning experience, but wouldn’t you rather learn how to avoid those product flops so you can save yourself time, money, and heartache?

I know I would.

Here are seven warning signs your big product idea is about to flop — and seven ways to avoid landing with a splat:

1. You Keep Changing Your Mind

You’re burning through your project and you’re totally jazzed. Everything’s going great! It’s such an awesome idea.

But it would be even better if you add this one element.

Wait, no – maybe you should do this instead. That’d be awesome.

Or maybe you should change that – it would make your project even better! It’ll crush all of the products in the niche!

Sound familiar?

Business old-schoolers call it “scope change,” and it can seriously hamper your progress. The more you push the boundaries and keep adding to your project, the more it becomes a time-consuming, cost-heavy monster that never ends.

Risks go up, your schedule gets trashed, deadlines get blown and quality goes down.

The solution?

Give yourself a set amount of time to do research and plan the scope of your project before you start. Take a few days, weeks, or months to really think things through. It’s okay to waffle then because no one else is watching, and you don’t have to backtrack.

But once that time has expired, stop, make the decisions you need to make, and move forward. Look at it as a deadline. You can change your mind up until a certain day on the calendar, and then after that, you stick with the plan until you’re finished.

2. You Haven’t Figured Out the Price

Most people don’t bother to figure out what their business idea will cost them, not only in terms of money, but also time and opportunity costs. They just latch on, run with their idea, and work like mad for weeks, investing their time and money blindly.

Then six months after launch they wonder why they’re broke, exhausted, and feeling trapped.

Before you undertake a project, figure out what it’ll cost you:

  • Overhead Costs: Will you need office space? Employees? Equipment? Will you have to pay travel expenses? What are the total hard costs?
  • Salary Costs: What will you pay yourself? Even if you’re living on savings, it’s still an expense. Write it down.
  • Opportunity Costs: What opportunities will you have to give up? How much will that cost you in both the short-term and long-term?
  • Time Costs: When are you going to work on it? Also, what are you currently doing in those other hours that you’ll have to cut out? Will you sacrifice sleep? Time with your family? Overtime at work?

Once you’ve calculated the true cost, ask yourself if it’s a price you’re willing to pay. Your idea might be fantastic, but if you don’t know what it’s going to cost you, chances are you’ll never finish.

Before starting a project, make sure you know exactly what it will cost you.

3. You Think All You Need is Time

You’ve done the math and decided that there’s no major financial investment involved, just your time. Maybe a few weeks of hard labor, maybe a few months. You just have to buckle down and do it.

But here’s the big question: who’s paying the bills in the meantime?

Every hour you spend working on Project X is an hour less you can work on other income sources. If your time is worth $100 an hour, do you really want to invest 1,000 free hours into a project that might make you $5,000?

If you do, you’re essentially investing $100,000 for a $5,000 return. Not smart.

The reality is, you might lose money — and that isn’t always a bad thing. In fact, becoming a multi-millionaire can require losing money, as I’ve mentioned before.

But if you aren’t considering the cost of your time, you could end up with a flop.

If you want to be successful, figure out your hourly rate, and then delegate or outsource any tasks below that rate. Sometimes, you’ll be better off working for someone else and funneling that income into paying freelancers than quitting all of your projects and cutting off all of your income streams.

Smart business people invest their time wherever they’re getting the best return.

4. No One Seems to “Get” The Concept

This is one of the biggest red flags that your product is going to flop. Sadly, most people get so excited about their big idea that they don’t see the forest for the trees.

It goes like this:

You excitedly explain your product to a few people, but they don’t seem to get it. You explain even more. They seem unsure. They ask questions. You answer, but they hesitate. So you slow down and try to explain it as simply as possible, but you still can’t seem to get through.

Maybe they aren’t as smart as you. Or maybe they just don’t get it. Maybe they aren’t in your target audience.

But here’s why it matters: if your customer doesn’t understand the idea, it doesn’t matter how brilliant it is. It’s going to flop.

So, pay attention to people’s reactions. At which point in the explanation do they seem to get confused? What part don’t they understand? Where are you losing them?

These are the places you need to clarify. There’s a missing link somewhere, and you need to find it now, not later.

Or maybe you just need to get a new idea.

5. They Get It, but No One Seems Interested

Sometimes, people get your idea, but they shrug their shoulders and say, “So what?”

Maybe they point out that someone else has done it already, or maybe they don’t see the problem you’re addressing, or maybe they think it’s just plain boring.

They’re polite and they listen to your idea, but not for long – their phone or their email is far more interesting.

Watch out for that lack of interest, because no enthusiasm means no sales. You know you’re on track when:

  • They say, “I’ve been dealing with that for years. Can you really fix it?”
  • They laugh, cry, or get angry. The stronger the emotional response, the better the idea.
  • Their eyebrows go up, and ask, “Is that really possible? That would be great!”
  • They bring your idea up again the next time you see them. It shows they’ve been thinking about it, which is exactly what you want your prospective customers to do.

If you don’t get one of those responses, find out why. What do people really want? What do they need? What’s missing?

You might be able to adapt your big idea to fulfill that demand.

6. You Don’t Really Believe in Yourself

You might really, really want to get your big idea off the ground, and you believe it will succeed, but you secretly wonder whether or not you can pull it off.

Maybe you’re an engineer, and you don’t have any confidence in your ability to sell. Or maybe you are a digital marketer, and you struggle with keeping accurate financial records for investors and bankers. Or maybe you’ve never managed anyone before, and the idea of hiring and leading a staff scares you.

You’ve tried to stay positive, but deep down, you doubt yourself. You hope you can do it, but when you talk to other people about your idea, you can feel your insecurity bleeding through.

The truth?

If you don’t believe in yourself, no one else will either. People have a sixth sense for uncertainty, and they’ll pick up on every signal of self-doubt you’re sending out. It can kill even the best ideas.

No one expects you to be perfect, but getting any idea off the ground requires leadership, and people expect leaders to be confident. So work on it.

The best way to build self-confidence is to start small and get some early wins.

If you are worried about sales, start generating leads you are certain will convert into sales, and approach those first. If you’re worried about financials, get example reports, and then start with the ones you understand. If you’re worried about managing people, start by hiring smart, ambitious people who don’t need much handholding.

Make it easy for yourself, and grow into the person you need to become.

7. You Can’t Seem To Find the Time for Your Idea

This is probably the most common sign of an impending product flop: you know your project will be a success — yet you can’t seem to find the time to work on it.

You keep pushing your idea aside. Other work comes up. Something else is more urgent. You’re busy. You push back your own deadlines and keep setting your big idea on the back burner.

It’s probably because you’re scared.

Maybe you’re afraid your big idea won’t succeed (even if you’re pretty sure it will). Or that it actually might succeed, and you won’t know how to handle it. Or that you’ll make mistakes and get laughed at, losing the respect of the people you admire.

Whatever the reason, if you find yourself procrastinating, sit down for a little introspection session. Think about why you’re not working on that big idea. Ask yourself:

  • What life changes you think would happen if you complete it?
  • What do those changes mean to you?
  • Why do you want to avoid them?
  • Are they realistic concerns?
  • What is the worst-case scenario?

Be honest with yourself. Often, reality is far different (and easier!) from what we imagine.

Maybe after some introspection, you realize the big idea isn’t going to be good for you. Sometimes our gut instinct sends warning messages that we should pay attention to – just because a project will be successful doesn’t mean it’s the right success for us.

And if that’s the case, then there are plenty of other – better – ideas for you to pursue. If there’s one thing I’m sure of, it’s this:

The next big idea is always right around the corner.


Not all great ideas are destined to be big hits. However, many of the largest companies in the world started as just one good idea. Review the warning signs above and make sure you are in the best possible position to move forward.

Then, it’s time to start digging in. Start by getting to know who your audience really is and do some market research. Create a business plan and don’t forget to consider outsourcing tasks that you don’t have the time — or the knowledge — to tackle.

And if you do flop? Take some time to recover, then try again.

Are you working on your next big idea? What is holding you back?

The post 7 Warning Signs You Have Product Flop on Your Hands (and How to Fix It!) appeared first on Neil Patel.

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Top 20 Educational Technology Podcasts You Must Follow in 2020

Top 20 Educational Technology Podcasts
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1. The EdSurge Podcast

Portland, Oregon, United States About Podcast A weekly podcast about the future of learning and the intersection of technology and education. Join host Jeff Young and other EdSurge reporters as they sit down with educators, tech innovators, and scholars for frank and in-depth conversations. Frequency 4 episodes / month Since Jan 2015 Podcast
Facebook fans 29.6K ⋅ Twitter followers 142.6K ⋅ Social Engagement 2 ⋅ Domain Authority 75 ⋅ Alexa Rank 32.4K View Latest Posts Get Email Contact

2. House of #EdTech

House of #EdTech New Jersey, United States About Podcast The #edtech podcast that explores how technology is changing the way teachers teach and the impact that technology is having in education. Whether you use it or not, technology is changing the way we teach and how our students learn. Hosted by Christopher J. Nesi, this podcast includes discussions with teachers, leaders, and creators like you and have them share their stories. Frequency 1 episode / month Since Jan 2014 Podcast
Twitter followers 1.9K ⋅ Domain Authority 39 ⋅ Alexa Rank 2.4M View Latest Posts Get Email Contact

3. The Edtech Podcast

The Edtech Podcast London, England, United Kingdom About Podcast The Edtech Podcast hosted by Sophie Bailey. The mission of this podcast is to improve the dialogue between ‘ed’ and ‘tech’ through storytelling, for better innovation and impact. Our audience consists of education leaders from around the world, plus startups, learning and development specialists, blue chips, investors, Government, and media. Frequency 1 episode / week Since Apr 2016 Podcast
Facebook fans 588 ⋅ Twitter followers 11.7K ⋅ Domain Authority 37 ⋅ Alexa Rank 2.9M View Latest Posts Get Email Contact

4. The EdTech Take Out

The EdTech Take Out Cedar Rapids, Iowa, United States About Podcast The Edtech Take Out podcast serves up bite-sized technology tips for teachers with Jonathan Wylie & Mindy Cairney from the Digital Learning Team at Grant Wood AEA. Frequency 4 episodes / quarter Since Jan 2016 Podcast
Twitter followers 3.4K ⋅ Domain Authority 28 ⋅ Alexa Rank 2.3M View Latest Posts Get Email Contact

5. AVNation TV | EDTech

AVNation TV | EDTech Wood River, Illinois, United States About Podcast EDTech podcast from the Network for the AV Industry comes with a monthly look at AV technology in higher education. Frequency 2 episodes / month Since Jan 2012 Podcast
Facebook fans 934 ⋅ Twitter followers 9.2K ⋅ Domain Authority 38 ⋅ Alexa Rank 1.7M View Latest Posts Get Email Contact

6. Beyond the technology | The education 4.0 podcast

Beyond the technology | The education 4.0 podcast United Kingdom About Podcast Listen to the latest news, thought, and guidance from Jisc – the UK’s expert on digital technologies for education and research. Frequency 1 episode / week Since Jul 2007 Podcast
Twitter followers 62.8K ⋅ Domain Authority 71 ⋅ Alexa Rank 135.6K View Latest Posts Get Email Contact

7. EdTech Situation Room Podcast

EdTech Situation Room Podcast Oklahoma, United States About Podcast A weekly podcast and live web show on Wednesday evenings, featuring analysis of current technology news through an educational lens, hosted by educators Jason Neiffer from Montana and Wesley Fryer from Oklahoma. Frequency 3 episodes / month Since Jan 2016 Podcast
Facebook fans 13 ⋅ Twitter followers 527 ⋅ Social Engagement 2 ⋅ Domain Authority 22 ⋅ Alexa Rank 4.4M View Latest Posts Get Email Contact

8. Easy EdTech Podcast With Monica Burns

Easy EdTech Podcast With Monica Burns New Jersey, United States About Podcast Monica Burns from the popular EdTech blog ClassTechTips brings you teaching strategies, tips & activity ideas. Each podcast focuses on how to make EdTech integration easy with a shout out to favorite EdTech tools for classrooms. Monica provides actionable, relevant tips for teachers so you can make this school year the best one yet! Join author, speaker, & blogger, Dr. Monica Burns for an EdTech podcast that helps take the stress out of integrating educational technology into your classroom. Frequency 3 episodes / month Since Feb 2019 Podcast
Facebook fans 8.9K ⋅ Twitter followers 58.6K ⋅ Social Engagement 11 ⋅ Domain Authority 48 ⋅ Alexa Rank 278.5K View Latest Posts Get Email Contact

9. Educational Duct Tape Podcast

Educational Duct Tape Podcast Kent, Ohio, United States About Podcast The #EduDuctTape Podcast, hosted by Jake Miller, focuses on viewing #edtech as a tool used to meet goals, address learning standards & solve problems in the classroom, much as duct tape is used as a tool that solves a plethora of problems in our lives. In each episode, Jake sits down with a different inspiring guest to share & discuss some awesome ideas for using tech in the classroom! Join us for Educational Duct Tape, every other week on Wednesday! Frequency 1 episode / week Since Dec 2018 Podcast
Facebook fans 3K ⋅ Domain Authority 37 ⋅ Alexa Rank 529.5K View Latest Posts Get Email Contact

10. The TeacherCast Podcast

The TeacherCast Podcast New Jersey, United States About Podcast The TeacherCast Podcast is one of the longest-running educational podcasts. Created in 2011 by Jeff Bradbury, TeacherCast features today’s finest and most influential educators and educational technology companies discussing the topics that mean the most to teachers, students, and parents. Frequency 1 episode / month Since Jul 2017 Podcast
Facebook fans 1.7K ⋅ Twitter followers 26.3K ⋅ Domain Authority 47 ⋅ Alexa Rank 483.5K View Latest Posts Get Email Contact

11. Ask The Tech Coach

Ask The Tech Coach New Jersey, United States About Podcast Ask the Tech Coach is a weekly podcast designed to support Tech Coaches and Instructional Technology Specialists. Each week, host Jeff Bradbury (TeacherCast Educational Network) discusses relevant topics in Educational Technology. Frequency 1 episode / week Since Jan 2018 Podcast
Facebook fans 1.7K ⋅ Twitter followers 1.1K ⋅ Domain Authority 47 ⋅ Alexa Rank 483.5K View Latest Posts Get Email Contact

12. Teachers Talking Tech

Teachers Talking Tech About Podcast Teachers Talking Tech is a Podcast made by elementary school teachers that focuses on the use of tech in schools. Hosts Mike, Eric, and Marie talk about technology in the elementary classroom. Each episode is short so that you can get some ideas and insight quickly and in a fun way. Frequency 1 episode / month Since Mar 2016 Podcast
Facebook fans 356 ⋅ Twitter followers 358 ⋅ Domain Authority 84 ⋅ Alexa Rank 35.4K View Latest Posts Get Email Contact

13. EdTech Bites Podcast

EdTech Bites Podcast San Antonio, Texas, United States About Podcast EdTech Bites is a podcast about all things EdTech and Food hosted by Gabriel Carrillo. He interviews teachers, leaders, and innovators to discuss the latest trends in educational technology. Many times, while sharing a meal together. So, subscribe, tell a friend or colleague, and remember that great conversations happen when we break bread with great people. Frequency 3 episodes / month Since Jun 2017 Podcast
Facebook fans 106 ⋅ Twitter followers 1.9K ⋅ Domain Authority 26 ⋅ Alexa Rank 7.1M View Latest Posts Get Email Contact

14. The Higher EdTech Podcast

The Higher EdTech Podcast California, United States About Podcast Instructional Technologist Tim VanNorman and Professor Brent Warner work through the ins & outs of technology integration in Higher Education. The show focuses on best classroom practices for instructors in face-to-face, hybrid, & online courses. You’ll hear about tools & tips that help you gain a broader understanding of the tech your students are using & expecting, and you’ll hear interviews with peers & colleagues that are implementing educational technology in innovative & engaging ways. Frequency 2 episodes / month Since Aug 2019 Podcast
Twitter followers 3.1K ⋅ Domain Authority 14 ⋅ View Latest Posts Get Email Contact

15. TCEA’s Ed Tech Club Podcast

TCEA's Ed Tech Club Podcast Austin, Texas, United States About Podcast TCEA’s Ed Tech Club podcast is all about the tech tools you love, the resources you need, and the insights you value. Each week, we’ll sit down with educators and experts to discuss everything from big ideas to useful tips for your most-used ed tech resources. Along the way, we’ll introduce you to new tools and ideas, and expand on some of the most exciting trends in ed-tech. Frequency 1 episode / week Since Aug 2019 Podcast
Facebook fans 9.5K ⋅ Twitter followers 35.7K ⋅ Domain Authority 54 ⋅ Alexa Rank 118.5K View Latest Posts Get Email Contact

16. Digital Literacies and 21st Century Skills

Digital Literacies and 21st Century Skills About Podcast A Podcast for the Digital Literacies and 21st Century Skills course at Adelphi University’s Educational Technology program. Frequency 1 episode / month Since Oct 2018 Podcast
Domain Authority 82 ⋅ Alexa Rank 8.7K View Latest Posts Get Email Contact

17. The Practical Ed Tech Podcast

The Practical Ed Tech Podcast Maine, United States About Podcast Hi! I’m Richard Byrne. Every week, I share news and tips about educational technology. In every episode, I answer questions from readers of,, and from viewers of my YouTube channel. Frequency 4 episodes / quarter Since Aug 2019 Podcast
Facebook fans 13.9K ⋅ Twitter followers 113.4K ⋅ Domain Authority 80 ⋅ Alexa Rank 3.1K View Latest Posts Get Email Contact

18. The EdTech Chat Podcast

The EdTech Chat Podcast Singapore About Podcast The EdTech Chat Podcast is a weekly discussion around the world of educational technology, led by leading, global EdTech consultant Craig Kem. Each week, Craig gives insights into EdTech tools for your K-12 school. He gives advice and tips on how to use technology authentically and purposefully and chats to leading educational experts & thought leaders from all over the globe. Frequency 1 episode / week Since Apr 2020 Podcast
Facebook fans 713 ⋅ Twitter followers 43.5K ⋅ Domain Authority 71 ⋅ Alexa Rank 7.7K View Latest Posts Get Email Contact

The post Top 20 Educational Technology Podcasts You Must Follow in 2020 appeared first on Feedspot Blog.

Online Marketing Lead Generation The lifeline of your net ad…

Online Marketing Lead Generation The lifeline of your net advertising and marketing organisation, like many various other companies, is lead generation. Currently that you’ve seen a fundamental lead generation channel, allow’s break it down also better. The infographic listed below is from StraightNorth and also highlights just how all elements fit with each other to …

Mapping Out the Steps to Building Better Credit

Traveling isn’t hard right? I mean, you just jump in your automobile of choice and hit the road.  It’s a whole lot easier however, if you map out your trip. The same is true of building better credit.  It isn’t hard, but it is easier if you map out the steps you need to take first .

If you are going on a trip, you map out your route, right? You plan your stops along the way.  You research potential roadblocks, and you estimate the time you will arrive at your destination.  The same things need to happen when working on building better credit. 

You Can Be Successful at Building Better Credit; You Just Have to Know the Steps

Before you can map out your route, you have to know where you are and where you are going.  Sometimes, especially when flying, the best route is from an airport other than the one closest to you.  You have to be sure you start from the right spot. That is the first step in building better credit for your business as well. 

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit

Building Better Credit: The Starting Point

Of course, the best place to start is from the beginning.  This isn’t always possible however. Sometimes, you have to backtrack.  Take stock of your surroundings and determine where you are, versus where you need to be to get the best start. 

That sounds complicated, but it isn’t really.  Fundability is key. If your business is already fundable, you are set.  If not, then you have a little extra work to do, but you can do it. We’ll show you how.  The first thing to do is take stock and ensure your business is fundable.  

What is Fundability? 

This step is much easier to take if you understand exactly what fundability is. Fundability is, for our purposes, how desirable an entity is for funding.  When we want to talk about building business credit, we mean funding from creditors. Some things that make you appear fundable you can control. Somethings you cannot control.  For example, you can control whether your business has its own separate contact information. However, you cannot control the length of time you have been in business. You have to work with what you can control.

Building Better Credit: Checklist for Fundability

Okay, so the first step in mapping out the steps to building business credit is to check the fundability of your business.  This includes more than you may think. Of course, it is related to the financial standing of your business, like whether or not you can pay back debt.  However, many businesses are turned down for business credit not because they cannot repay the debt, but because of fraud concerns.  

Making sure your business is set up as a separate, fundable entity that is separate from the owner will not only help with this, but it will also ensure that business credit accounts are reported properly. This too is a big part of building business credit.   So, let’s get to it. Here is your business fundability checklist. 

Business Fundability Checklist

This is like tuning up your car before a trip.  You need to work down the list to ensure everything is in working order. The first things to check off the list are related to how your business is set up: 

  • Separate address and phone number from the owner. 
  • EIN
  • Formally incorporated as an LLC, S-corp, or corporation
  • Separate business bank account

If you set your business up in this way when you first opened, you’re good.  If not, you may need to backtrack to get things how they need to be.  

The next steps have to do with the information that is out there on your business both online and offline. 

  • Make certain all licenses, insurance, public records, and anything else related to your business are recorded with the proper information. This includes the business phone number and address as well as the EIN.  Everything needs to be in the business name, and all contact information has to be in the business 411-directory. 
  • Have a professional website.  Lenders may or may not research your business before approving a loan, but if they do, having a poorly put together website or no website at all will not bode well for your chances. 
  • Make sure you have a dedicated business email address that has the same URL as your website.  
  • Get a D-U-N-S number.  If you do not have one, you will not have a credit profile with Dun &Bradstreet. Since they are the largest and most commonly used business credit reporting agency, you need to have a profile with them. That means you must have the number. 

Where Do You Stand? 

At this point you see you are either in good shape, or you have some work to do.  The next step, if you need to get yourself in a position more useful for building business credit, is to do whatever you need to do to take care of those items listed above.  Once you are good there, move on to the rest of the checklist. 

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit

Building Better Credit: Fundability Checklist Part 2

Evaluate the following and see where you stand. 

Make Sure You are Turning a Profit, or at Least Have a Plan to Do So

Lenders aren’t in the business of giving handouts. Rather, they need to know you can pay back the funds they lend you. Thus, if you are bleeding funds, you are going to have a hard time getting approval.

How do you turn it around? Do some financial triage. Look for ways to cut expenses.  Do you need to close a location, cut some hours, or explore other options? Maybe leaning harder on your clients with unpaid invoices would help.

Have a Plan for Borrowed Funds 

Lenders will want to see that you have a clear strategy for how you intend to use the funds they lend you.  First of all, they want you to demonstrate you will be responsible with their money. In addition, they also want to know how you will use the money they give you to make more money. 

Why is this important to building better credit?  You need accounts reporting to the business CRAs. To do this, you will have to use vendor and retail credit.  They will not ask how you intend to use the funds, but you need to have a clear idea of how you are using the funds to build your business other than for building credit. 

Here’s what I mean.  You will need to get a business credit card that will report to the business CRAs.  You will need to charge things on that card. What you do not want to do is charge things on that card that you do not need or will not benefit your business at all. 

Check Your Growth Strategy

If you do not have a plan for success, you will not appear fundable to lenders.  They’ll want to see that you have a clear strategy for taking your business all the way.  

Building Better Credit: Mapping the Route

Okay, so you’re all tuned up and ready to hit the road.  Now you need to check your route. It can be tempting to take the most direct route, but often that is not the best route.  When building credit, it can seem that simply using your personal credit is the best way. It’s not. You can’t just willy nilly start applying for business credit cards though either.  You’ll get denied, and that won’t do you any good. 

We know the best route, and while it doesn’t appear to be the fastest, it is.  This is because it is really the only route. The others are viciously misleading and will not take you where you want to go. 

Building Better Credit: The Vendor Credit Tier

This route to building business credit travels across what we like to call the credit tiers.  The idea is that you get accounts reporting in tiers, so that they can build on each other. You have to do it in order, because if you apply to a higher credit tier first, you will not have strong enough credit to get approval.  

The first of these tiers is the vendor credit tier. Here is why it is the best way to start building business credit.  This tier is made up of retailers that will extend net 30 terms without even checking your credit. Not only that, but they will report your payments on these invoices to the business credit reporting agencies.  This is how you get positive accounts reporting on your credit report before you actually have a credit score. Find a few to get started with here

As you get more and more of these accounts reporting, you credit will grow stronger and stronger. If you want to work toward building better business credit even faster, consider talking to those you already have a relationship with.  Sometimes vendors you already work with will extend credit without a credit check. You can also ask utilities, telephone companies, and your landlord to report payments you make to them. They don’t have to, but some will if you ask. 

Building Better Credit: The Retail Credit Tier

Once there are 5 to 8 or more vendor trade accounts reporting to at least one of the CRAs, then you can move on down the road to the retail credit tier.  These companies are retailers also, but they do not extend credit so easily as those in the vendor credit tier. They include those retailers that issue credit cards that can only be used at their own stores such as Office Depot, Staples, and Lowes. 

For example, Lowes reports to D&B, Equifax, and Business Experian. They want to see a D-U-N-S and a PAYDEX score of 78 or more.  You cannot get that 78 PAYDEX without accounts first reporting to the CRAs. That’s why you have to hit the vendor credit tier first.

Check out our best webinar with its trustworthy list of seven vendors to help you build business credit

Building Better Credit: The Fleet Credit Tier

After 8 to 10 accounts are reporting from the retail credit tier, you can follow the route to the fleet credit tier. It includes companies like BP and Conoco that limit the expenses their cards can be used for.  Fleet credit cards can only be used for fuel and vehicle repair and maintenance cost. 

The Final Destination: The Cash Credit Tier

The final destination along the route to building better business credit is the cash credit tier.  These are those credit cards with higher limits, lower rates, and nice rewards that do not limit the place they can be used or the type of expense they can be used to pay.  If you stay on the path, you should reach this destination with no problem. 

Staying on the path means, of course, that you handle your credit responsibly and make your payments on time.  You also need to monitor your progress along the way, and make sure nothing is slowing you down.

Building Better Credit: Monitoring

Know what is happening with your credit. Make sure it is being reported and attend to any mistakes as soon as possible. We can help you monitor business credit at Experian and D&B for only $24/month. Go to to find out more. You can also monitor with the CRAs directly, but it will cost considerably more.  

You are looking for a few things when monitoring your business credit.  First, you want to see that each of your accounts are reporting payments.  If they aren’t, contact them to find out why. Next, you want to make sure all of the information is correct.  If you see a mistake, send a letter to the reporting agency in writing, along with copies of backup documentation. 

Lastly, you need to see how many accounts are reporting so that you will know when it is time to start applying for cards in the next credit tier. This will save you a lot of time, because you will not be applying for cards for which you cannot yet get approval. 

building better credit Credit Suite

The Path to Building Better Credit is Wide Open if You Know Which Direction to Go

Building better credit is possible if you know the steps.  Once you make sure your business is set up properly to begin building business credit, you have the whole road open to you.  Along the way, as you are working, you can take any other steps necessary to ensure your business is fundable. When the time comes to apply for loans, you will be set because you will have built the best business credit score possible for your business. 


The post Mapping Out the Steps to Building Better Credit appeared first on Credit Suite.

Local Business Credit Cards

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Top 15 Gambling Podcasts You Must Follow in 2019

Top 15 Gambling Podcasts

Gambling Podcast Newsletter

Gambling Podcast newsle/tter is a comprehensive summary of the day’s most important audio podcasts episodes from the best podcasters on the web, and delivered to your email inbox each morning. To subscribe, simply provide us with your email address.

Gambling Podcasts

1. Behind the Bets Podcast

Connecticut, United States About Podcast ESPN gambling analyst Doug Kezirian and his cast of guests take you inside the world of Las Vegas as they explore the games surrounding the games on the field.
Frequency 9 episodes / month
Facebook fans 2.1K ⋅ Twitter followers 19.6K ⋅ Domain Authority 93

2. Gambling With an Edge

Gambling With an Edge Las Vegas, Nevada, United States About Podcast Learn to Gamble With an Edge from authors, and professional gamblers Bob Dancer and Richard Munchkin. We aim to make you a better gambler tomorrow than you were yesterday.
Frequency 1 episode / week
Since Jul 2011
Twitter followers 2.5K ⋅ Domain Authority 24

3. You Can Bet on That

You Can Bet on That San Diego, California, United States About Podcast Welcome to You Can Bet on That, a podcast for the recreational gambler. Mark DeVol and Dr. Mike are the hosts of the show.
Frequency 2 episodes / month
Since Jan 2012
Twitter followers 3.6K ⋅ Domain Authority 26

4. Good Bettor Bets

Good Bettor Bets About Podcast Digs, Todd McComas, & Gumpy cover everything you need to know in the gambling world including all the locks, all the insight, and who you should be fading. You’ve come to the right place if you’re looking for the good, better, and best bets.
Frequency 1 episode / week
Since Mar 2019
Twitter followers 11.1K ⋅ Domain Authority 72

5. Sports Gambling Podcast

Sports Gambling Podcast Los Angeles, California, United States About Podcast The Sports Gambling Podcast is your home for uncensored sports gambling opinions, analysis, and advice. Since 2011 this podcast has picked every NFL game against the spread. They’ve also expanded to cover fantasy football, college football, NBA, college basketball, golf and daily fantasy sports releasing multiple episodes per week.
Frequency 3 episodes / week
Twitter followers 10.4K ⋅ Instagram Followers 5.7K ⋅ Social Engagement 2 ⋅ Domain Authority 42

6. Bang The Book Betting Podcasts

Bang The Book Betting Podcasts New York City, New York, United States About Podcast BangTheBook Radio is the industry leader in presenting sports betting information and analysis. Our radio show segments feature some of the most profitable handicappers and sharpest analysts in the wagering markets of college football, NFL, MLB, NHL, NBA, college basketball, and UFC. Host Adam Burke guides the discussion through important sports gambling topics and free picks are always available on these podcasts.
Frequency 2 episodes / day
Twitter followers 10.9K ⋅ Domain Authority 85

7. Gamble On

Gamble On United States About Podcast Gamble On is a podcast presented by, hosted by Eric Raskin and John Brennan, covering the legal gambling industry. From sports betting to casino games, from live play to online action, Gamble On analyzes the latest news and welcomes expert guests to share their perspectives on everything happening in the gambling world.
Frequency 4 episodes / month
Facebook fans 61 ⋅ Twitter followers 1K ⋅ Social Engagement 1 ⋅ Domain Authority 33

8. Lone Wolf Hof | Sports and Gambling

Lone Wolf Hof | Sports and Gambling About Podcast Just an average NY guy talking sports, fantasy sports and gambling. Follow to get regular updates from this podcast in your inbox.
Frequency 1 episode / week
Since Jan 2018
Domain Authority 72

9. The Action Network Sports Betting Podcast

The Action Network Sports Betting Podcast New York City, New York, United States About Podcast Fans want sports gambling action like never before, and everyone is looking for an edge. Whether you’re a fantasy lifer looking to win a league title, a daily fantasy fanatic mastering DraftKings & FanDuel lineups, or a spread bettor searching for betting tips from seasoned professional gamblers, subscribing to The Action Network Sports Betting Podcast is the best bet for the invested sports fan.
Frequency 1 episode / day
Twitter followers 32.5K ⋅ Instagram Followers 53.3K ⋅ Domain Authority 83

10. Against All Odds with Cousin Sal

Against All Odds with Cousin Sal Los Angeles, California, United States About Podcast ‘Jimmy Kimmel Live’ on-air personality and the host of ‘Cousin Sal’s Sure Thing,’ Sal Iacono breaks down the world of gambling across a variety of sports, including NFL, NBA, NHL, UFC, boxing, wrestling, and competitive hot dog eating. Each week, Sal offers up odds analysis as well as his best bets and brings on celebrities, Vegas experts, and his pack of degenerate friends, who are shameless about discussing their latest wins and losses.
Frequency 3 episodes / month
Facebook fans 134.4K ⋅ Twitter followers 201.9K ⋅ Domain Authority 71

11. The Sports Antidote Podcast

The Sports Antidote Podcast About Podcast The Sports Antidote, a sports talk show revolving around sports gambling and everything else in the world. One of a kind, hosted by The North Korean Santa, The Drunk Neighbor, Coach Ohhh & NFL Jesse.
Frequency 1 episode / day
Domain Authority 72

12. Sixth Year Seniors

Sixth Year Seniors About Podcast College football & college basketball with a little gambling and a lot of pro wrestling. Follow to keep up with our podcast.
Frequency 2 episodes / week
Domain Authority 83

13. Life’s a Gamble Podcast

Life's a Gamble Podcast Saint Petersburg, Florida, United States About Podcast Life’s a Gamble is a podcast about essentially every type of gambling. Recorded live several times a week across Tampa Bay. We talk service plays on MLB, NHL, EPL, NCAA, NFL, Greyhound Racing and Horse Racing. You can bet that we bet on it. Hosted By Tony and Dan, we’ve got our own seat high above the finish live at Derby Lane St Petersburg.
Frequency 1 episode / quarter
Twitter followers 29 ⋅ Domain Authority 94

14. Vegas Confessions Podcast

Vegas Confessions Podcast United States About Podcast This podcast is all about the Casino & Gambling lifestyle with some great stories. These 3 fun hosts like to gamble frequently from Las Vegas to Atlantic City. We interview Casino CEO’s, Casino Host, Casino Managers, You-tubers, Bloggers & Podcasters.
Frequency 1 episode / week
Twitter followers 3.1K ⋅ Domain Authority 10

15. Side Action Podcast

Side Action Podcast About Podcast A sports gambling podcast focused on relevant topics for major sports and smaller ones. Topical for veteran sports gamblers and newbies alike.
Frequency 2 episodes / week
Twitter followers 39 ⋅ Domain Authority 86

The post Top 15 Gambling Podcasts You Must Follow in 2019 appeared first on Feedspot Blog.