Author: Sara Radtke

How to Make Money Blogging

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Is it actually possible to make a living out of blogging? Or is it just a myth?

Here’s the good news: You CAN make money from blogging. You just have to do it right.

Take my blog as an example.

Blogging played a crucial role in my success. But reaching this point did have its fair share of obstacles, mistakes, and lessons.

Currently, my revenue is $381,772 for 30 days. 

Now, that’s a LOT of money, especially for a blog.

But how am I able to pull this off?

I was completely dedicated and put in tons of hard work to create useful and detailed content and use relevant images to provide accurate and thorough information to my readers.

This helped me become an authoritative figure and thought leader in my niche.

And no, it doesn’t have to take you years to become a successful blogger. 

Knowing the art of consistently churning out top-quality content, driving search engine traffic, leveraging social media, and generating leads is great. But you also need to know how to make money from your blog.

The process is certainly challenging, especially with the internet painted with a lot of bad advice. 

But this isn’t one of those articles.

In this guide, I’ll show you the exact way to make money from blogging by avoiding the mistakes I’d made in my 10-year journey. So not only will your blogging success be easier, but it also is quicker.

Excited? Let’s begin. 

Your 2-Minute Cheat Sheet

The very first thing you need to start making money is to come up with an idea and the name for your blog. Think through the topics you’d want to write about often.

After that, sign up for the Basic plan with Bluehost. Even if you don’t have much of a budget, this is practically a steal at just $2.95 per month. 

Set up your account, taking care to skip all the add-ons except for domain privacy and protection. A few extra dollars for better privacy and security is an investment.

And with this, you’ll have your own blog domain. Hurrah!

The next steps will have you installing WordPress and then finally writing and publishing your first blog post.

Once you’ve posted a couple of blogs and have started to attract some traffic, you can work on monetizing it to make your first dollars.

For this, you’ll have to sign up for a Google AdSense and Amazon Associates account to make money through ads and affiliate marketing, respectively. You can also sell your own products and services after successfully driving high traffic to your site.

That was the basics. Let’s get into the details now.

Step 1: Figure Out Your Blog’s Niche

The first on the agenda is to decide what your blog is going to be about. Whether you want to talk about marketing, CBD, veganism, or just random life stories, figure it out.

Remember, your idea doesn’t have to be revolutionary, but you do need a unique voice.

Here are two tips for deciding on a blog niche:

Choose Something That You Enjoy

I know that this sounds like a cliche, but it makes no sense to blog about it if you don’t love the topic.

Never start blogging about something that you don’t love–it will show in your writing and your readers will know. Moreover, you won’t be able to consistently produce top-notch content to build your audience and later monetize from it.

Make a list of things that get you naturally curious and that you enjoy learning about. Or think about what your friends and family come to you when seeking advice.

Find Out Whether a Prospective Niche Has a Readership

The only way you can earn money through your blog is if you have enough site visitors. 

Let’s assume you’ve already figured out your blog niche and want to write about arts and crafts.

You make a smart decision to niche down further and develop a blog exclusively dedicated to either paper art or scrapbooking. While you enjoy writing about both topics, you prefer to focus on one primarily.

But how do you choose between the two options? 

Answer: Do a quick Google search.

As you can see, there are far more results related to paper art as opposed to scrapbooking. Therefore, it makes more sense to write about paper art, which is what audiences are searching for. 

I would also like to add that it’s better to avoid broad or generic topics. Don’t be afraid to get specific as long as you have takers for it. 

For instance, if you want to create a food blog, don’t use words like “food.” Instead, use “barbecue” or “vegan.”

Get my point?

Step 2: Name Your Blog

Once an idea is in place, you need to work on naming your blog.

Does the name Stefani Joanne Angelina Germanotta ring a bell? Thought so.

But I bet Lady Gaga does.

Stefani Joanne Angelina Germanotta is Lady Gaga’s real name. She decided to go with a catchier and easier-to-remember alternative that aligns better with her music. 

That’s the power of the right name.

Choosing a blog name is equal parts exciting and daunting. After all, this will be your brand name and dictate how people will remember you.

Don’t overthink it, and don’t name your blog something random or offensive.

Keep in mind the following questions when deciding on a name:

  • Does it reflect what your blog is going to be about?
  • Would your target audience like it?
  • Is the name easy to say and spell?
  • Is it short and concise?

I chose my own name as my domain (NeilPatel.com) simply because Neil Patel is who I am, and it’s also my brand. You could do what I did or come up with something entirely different.

Whatever name you come up with, make sure it’s available as website domains. 

You can use Bluehost’s domain name checker for this purpose. Type in each potential name in the search bar, and click Check Availability to know.

I’d recommend opting for a .com whenever possible.

Don’t buy an available domain at this point. I have something up my sleeve to help you get it for free.

Step 3: Sign up With a Web Host Like Bluehost

You need to sign up for a web hosting service to get your blog live, along with a registered domain name that will serve as your blog’s address.

I recommend Bluehost as its hands down one of the best web hosting companies—not to mention affordable—that assures excellent service and a free domain.

And did I mention that as a NeilPatel.com reader, you get an additional discount?

You’re welcome.

Head over to Bluehost.com, and click on the green Get Started Now button. 

Next, sign up for the Basic plan. You can always upgrade later, but since you’re just starting a blog, it’s better to stick to the Basic plan.

Register the domain name you came up with without having to pay anything extra. Just make sure the drop-down is set to .com before you click Next.

Following this, you need to sign in using your Google account. You can also manually enter your personal credentials. 

Scroll down to choose your registration term, which can either be a 36-month, a 24-month, or a 12-month agreement. To get the best deal ($2.95 per month), you’ll have to sign up for a three-year contract.

It still isn’t over yet.

You’ll find package options like Domain Privacy + Protection, Codeguard Basic, Bluehost SEO Tools, Microsoft 365 Mailbox Trial, and SiteLock Security Essentials.

In my opinion, you only need Domain Privacy + Protection to protect your contact information against scam callers and unsolicited emails. Ignore the others.

Finally, enter your payment information, read the terms and conditions, and hit submit.

This is the point where you’ll have your blog! 

Complete all the remaining instructions to set up your account, and then move onto the next step.

Step 4: Install WordPress CMS

You have your web host, next you need blogging software.

I trust WordPress to run all my blogs as it is user-friendly, feature-rich, and free. Plus, you can install thousands of free plugins to make your blog more functional and customize it however you want.

After signing up for Bluehost, you will have a free domain and hosting account. Log in by filling in your credentials and then click on Install WordPress

Next, select Do it yourself (FREE) and hit Install, followed by Check Domain. Lastly, acknowledge WordPress’s terms of service and finalize your install.

Ta-Da! You now have a fully functional WordPress blog ready to roll.

Step 5: Design Your WordPress Blog

To design a blog, you need to select an attractive and affordable WordPress theme.

Why do you need this? Well, after signing up for WordPress, your blog will look something like this:

Not exactly what you’d call sleek and welcoming, right? The way your website looks can help drive more website traffic, which, in turn, will enable you to make more money.

Luckily, WordPress has thousands and thousands of themes for you to choose from. I’ve even done a roundup of some of the best ones. Here’s how you can select a WordPress theme:

  1. Log into your WordPress account.
  2. Click on Appearance in the sidebar menu on your dashboard. 
  3. From the drop-down options, select Themes.
  1. Go to Add New, located at the very top of the screen, to gain access to thousands of fancy WordPress themes. You can also click on Feature Filter to filter your search to see options more suited to your tastes.

You should choose a theme that fits your personal style, but at the same time, it should also be in sync with your blog niche.

  1. Preview the theme to see what it will look like. 
  2. If you like the sneak peek of a specific theme, click on Install and then Activate.

With a nice new theme, your website will get a much-needed upgrade that makes it look appealing to visitors.

Step 6: Come up With Interesting Blog Topics

If you want to increase your website traffic or encourage more email signups, you need to offer your readers interesting content. 

My tip is to make a list of questions you get often. Trust me, within just 30 minutes, you’ll be able to come up with a bunch of potential blog topics. Your priority should be to look at things from your reader’s viewpoint.

You can also focus on higher-level questions.

Suppose you want to start a parenting blog for stay-at-home moms. Below, I’ve created a list of questions to ask yourself, along with a list of answers concerning the mom blog.

Q1) What could be an intriguing or exciting talking point for your readers?

For stay-at-home moms, topics related to sleep training, homeschooling, and budget-friendly meal ideas could be a great place to start.

Q2) What are your reader’s pain points and challenges?

Common household challenges for stay-at-home moms could be meal planning, understanding developmental milestones, and so on.

Q3) What are your readers’ character traits?

Moms are typically patient and caring and appreciate a sense of humor.

Q4) What niche topics would appeal the most to your readers?

A child’s mental, physical, and emotional development could be attractive talk points for stay-at-home moms.

Q5) What topics would your readers hate about my niche?

Stay-at-home moms don’t like to be looked down on by others. So, you could write blogs about how society views them and their impact.

Similarly, you can use the above questions to come up with ideas according to your niche. While you’re at it, don’t forget to work out a catchy headline that will make the reader instantly click on your blog.

Step 7: Optimize Your Blogs for the SERPs

Search engine optimization or SEO is a crucial step to earn money via blogging. Here, you will optimize your website to rank higher in search engines for specific keywords and phrases.

If you’ve been following me for a long time, you may already know how SEO is my trump card.

By incorporating particular keywords and phrases, I’ve successfully driven more than 30 million visitors to my website. Shocked?

That’s the power of SEO.

On WordPress, you can optimize your content and blog by downloading a plugin called Yoast SEO. 

Go to the Plugins menu, and click on Add New. Search for Yoast SEO in the search bar, and then install the plugin. 

Don’t forget to activate it to complete the installation process.

You’ll find that this plugin will give you all kinds of improvement tips and suggestions based on the keyword you select to help you optimize your content. I’d recommend incorporating as many suggestions as you can to improve SEO and content readability.

Step 8: Sign up for Google AdSense

Setting up ads is the best way to monetize your blog. But you need to be smart about it.

The biggest mistake people make is to bombard their sites with blinking ads. Avoid this at all costs. 

Instead, focus on using targeted ads that appeal to your customers without annoying them.

To start earning money through ads, you need a Google AdSense account. Head over to the AdSense page, and click on Sign Up Now. If you don’t have an existing Google account, you have to set up a new one. If you already have a Google account, simply sign in.

Fill out all the relevant information before submitting your application. The AdSense team reviews every application, and if everything goes well, you’ll be in!

Next, follow the below steps to set up your account:

  1. Go to your AdSense dashboard and click on My Ads > New ad unit.
  2. Select the size of your ad and the type of ad. Once you’re done, select Save and get code
  1. You’ll get a bit of code that you’ll then have to copy and paste between your page’s <body> tags. Here’s how it’ll look.
  1. Once you’ve pasted the code, your ad will be live. Your AdSense dashboard will have all information about your earnings, so check it regularly.

While you can use ads on as many as you want, I would recommend starting with just one–maybe two max–to get an idea of how your audience responds to them. 

If you see a higher bounce rate on your dashboard, you should consider repositioning your current ads for better results.

Step 9: Create an Amazon Associates Account

You might have already heard of affiliate marketing. If your goal is to earn passive income, leveraging the power of affiliates is your best bet.

You can start by signing up for Amazon Associates, which allows you to start earning right away through referral links, display ads, or Amazon-based shopping carts. 

If your visitors decide to use your referral link or click on the display ads, you’ll get a small commission.

To sign up for Amazon Associates, all you need to do is visit the website and click on Join Now for Free.

This can be pretty effective. Just check out these earnings of Brendan Mace for definitive proof.

Amazon Associates isn’t the only affiliate program. 

You’ll be happy to know that there are plenty of companies with their own affiliate programs, some of which pay higher commissions than Amazon. Just make sure to research before signing up to be an affiliate for a brand.

That said, I’d also like to emphasize the importance of advertising only those products or services that you’ve used yourself or genuinely believe can help your audience.

Step 10: Offer a Product or Service for Sale (Optional)

Many people think that advertisements are the only source of income for bloggers. This might be true for a few, but you’ll also find many bloggers make quite a bit of money by selling a product or service.

Of course, this will only work when you already have a loyal readership with steady website traffic like Nomadic Matt. Once you’re at this stage, you shouldn’t be afraid to take the leap.

Here are a few things that you can consider selling:

  • Training courses
  • Books
  • Video courses/webinars
  • Coaching services
  • Consulting services

Next, you have to figure out how you want to sell your product. Services like Shopify or WooCommerce plugins on WordPress, Amazon, or Etsy are great options for digital products. If you’re selling a physical product (like phone cases or clothes), you’ll have to set up a more comprehensive ecommerce store. 

Finally, let your audience know about your product or service by sending them emails. You can also consider developing lead magnets like pre-recorded webinars, PDFs, and whitepapers to build your email list.

Conclusion

There’s a difference between simply having a blog and monetizing a blog. To make this transition successful, you’ll need to adopt a more proactive and focused approach.

You’ve got this! 

Just remain focused and work consistently to keep improving your blog and build trust between you and your audience. And follow my steps above to get things started on the right track.

Remember to stick with what works, and you’ll have a successful formula.

Have you tried blogging yet? Let me know about your experience.

The post How to Make Money Blogging appeared first on Neil Patel.

Best Ecommerce WordPress Themes

Disclosure: This content is reader-supported, which means if you click on some of our links that we may earn a commission.

Do you dream of having an online shop that attracts customers immediately? You need an e-commerce website that makes it easy for you to sell and for customers to buy.

Don’t think your WordPress theme matters? Think again.

WordPress already comes with inherent features. An intuitive, well-suited theme enhances your e-commerce website’s performance.

This guide will help you find an e-commerce WordPress theme that works to your shop’s advantage and offers everything you need to keep selling.

The Top 7 Options for E-commerce WordPress Themes

  • Astra—Best for Overall E-commerce Customizability
  • Divi—Best for E-commerce Shop Design Features
  • Flatsome—Best for Convenient E-commerce Shop Maintenance
  • OceanWP—Best for Improving E-commerce Sales
  • Porto—Best for Niche E-commerce Setups
  • Shopkeeper—Best for E-commerce Shops with Blogs
  • Halena—Best for Pre-Built E-commerce Shops

How to Choose the Best E-commerce WordPress Theme for You

Choosing a WordPress e-commerce theme is about more than just looks. It matters for your optimization, too.

With over 11,000 WordPress themes, the options can feel overwhelming. Knowing exactly what you need for your online shop helps you determine which theme will work best for your business before you commit.

You can certainly get free themes, but in most cases, you’ll want to spring for a paid one. Paid themes usually have better design, usability, SEO features, and customizability.

You should also pay attention to certain features that apply to all themes across the board, from the ease of use to visual aesthetic to SEO rankings.

In terms of being user-friendly and accessible, follow the three-click rule. In other words, buyers should be able to find what they need within three clicks.

Loading Speed

According to Marketing Dive, 53% of users will leave a site if it takes more than three seconds to load. Loading speed also contributes to the user experience, so slow loading means a lower ranking.

You might not think your page loading speed is a theme issue, but it is. Before you buy one, check how it displays images and products, and look for ways to improve it to meet the three-second rule.

Mobile-Friendliness

As more people use smartphones and tablets to shop, it becomes more important to meet them there. According to Sweor, 85% of adults think a website should look and function as well or better than it does on a desktop.

If you don’t have a mobile-friendly shop, it will drastically reduce your customer service base. Not to mention, Google has implemented mobile-friendliness as part of its ranking criteria. Before you buy a theme, test the mobile version to verify its performance.

Security Features

Security is crucial for your customers, so it should be important to you, too. Some WordPress e-commerce themes come with extra security features beyond what your web host already offers. A secure e-commerce site builds trust between you and your customers, meaning that these features can only help your business.

The Different Types of Ecommerce WordPress Themes

With so many e-commerce WordPress themes available, you don’t need to settle for a generic setup. And if you want to stand out, you shouldn’t settle for anything.

Different types of WordPress themes offer different e-commerce capabilities and features. Here are a few types you should look for to create the optimal e-commerce site.

Responsive

A responsive theme lets your e-commerce website adapt to any device. You won’t have to worry about mobile compatibility because it’s already designed to work on laptops, tablets, smartphones, or virtually any device the customer uses.

Multipurpose

Multipurpose themes work for many different types of e-commerce shops. Do you have an online apparel store? An online shop for your bakery? A hotel?

Multipurpose themes’ adaptability allows room for your business’s growth, saving you time and money later.

Corporate

The larger your business, the more you need an e-commerce WordPress theme that can accommodate it. Corporate e-commerce WordPress themes let you expand your catalog as much as you need and still make it easy for buyers to find products with the three-click rule.

Corporate themes are often more customizable to your brand, have more flexibility, and higher quality.

#1 — Astra—Best for Overall E-commerce Customizability

Astra is one of the most popular WordPress themes, even outside of e-commerce. It works with different page builders, like Elementor, and has tons of features for performance, design, layout, and more.

Even with the free version, you get everything from custom and responsive fonts to SEO integrations. When you upgrade to the Pro version, that’s when the real magic begins. It has all the e-commerce features missing from the free version.

With Pro, you can make online shopping more convenient for your customers. You can enable custom features like infinite scroll, a dropdown cart, quick view, sales bubble style, and more. You even have plenty of gallery options to create a comprehensive catalog or portfolio.

Astra Pro also lets you create a unique look for your e-commerce WordPress site using custom headers, footers, and even 404 error pages. It also gives you display conditions so you can implement custom layouts sitewide or on one page. Plus, you get many color and typography options.

Astra comes in three paid tiers:

  • Astra Pro: $59 annually or $249 for a lifetime license
  • Mini Agency Bundle: $169 annually or $499 for a lifetime license
  • Agency Bundle: $249 annually or $699 for a lifetime license

You get over 20 starter templates at the Pro level, plus one-on-one support, training, and unlimited website usage. The Mini Agency level bumps you up to more than 55 starter templates along with all of Astra Pro’s features. You also get the WordPress portfolio plugin and a page builder addon of your choice.

At the Agency tier, you get all the Mini Agency features and Ultimate Addons for Elementor and Builder Beaver, so you don’t have to choose. You also get Convert Pro and Schema Pro plugins.

Perhaps most impressive, the Agency package comes with SkillJet Academy. This course shows you how to use marketing to your advantage and grow your business using your website.

Astra takes a little extra work to build compared to some other e-commerce WordPress themes. But if you’re willing to put in the work to set up your site, you can create a truly exceptional, customized experience for your customers.

#2 — Divi—Best for E-commerce Shop Design Features

Divi is a multipurpose theme with over 1,000 layouts to design your WordPress e-commerce site. When you buy Divi from Elegant Themes, you also get access to their other products—Extra, Bloom, and Monarch.

Divi doesn’t have a free version, and it only has one paid tier. For $67 a year or $187 for life, you get a theme that allows you to customize your shop’s design more than any other. It even has an e-commerce-specific design layout.

Divi comes with features that include:

  • Advanced code editing
  • Filters and effects
  • Animations
  • Shape dividers
  • Shadows
  • Element styling

You won’t run out of ways to make your site match your branding. Even better, it has convenient tools to help both you and your customers.

With multi-select and bulk editing, copy and paste styles, extendable styles, and Divi quick editing, you won’t need to spend hours redesigning your site. WooCommerce modules also let you create product layouts to make your items pop.

Aside from the design features, Divi comes with built-in marketing tools. It can also integrate with other products from Elegant Themes, like Monarch, to reach your social following and expand your reach, and Bloom, an email opt-in and lead generation plugin. 

Divi also has a robust help section with Quick Action to help users find video tutorials and search all available options to get the most out of their site. 

#3 — Flatsome—Best for Convenient E-commerce Shop Maintenance

Flatsome’s design focuses on making e-commerce easier for people on both sides of the screen. That’s part of what makes it the most popular WordPress theme on ThemeForest.

Its versatility makes it easy to use and especially convenient when you need to make quick site changes, list new products, or even do a complete overhaul. Flatsome’s designs focus on being intuitive for users and do updates regularly to keep everything current. If you use WooCommerce, it is nice to know that Flatsome is the number one best-selling WooCommerce theme with thousands of five-star reviews.

With over 300 layouts for customization, it has fewer design features than Divi and Astra. The good news is that if you don’t need a complex website, Flatsome does most of the work for you. Plus, its fast loading speeds and intuitive design make for an overall positive user experience.

Flatsome makes it easy to maintain your site, whether you do it yourself or have someone to handle it for you. They claim you need absolutely no coding experience to get the most out of their theme using their responsive Live Page Builder and an extensive library of building and customizable elements.

Flatsome doesn’t have a free version. For $59, you get all features with a regular license.

#4 — OceanWP—Best for Improving E-commerce Sales

OceanWP’s responsive, fast-loading theme comes with e-commerce features, built-in SEO, and even language translation. Since it has built-in ecommerce features, you don’t have to worry about tacking on extras. Ocean WP also integrates well with other page builders.

This e-commerce WordPress theme comes with a native cart popup that increases conversion rates by an average of 8%. Combine that with the floating add to cart bar that increases conversions by 5% on average, and you have a recipe for better sales by simply choosing the right theme.

OceanWP makes a great customer experience by utilizing Quick View, where people can hover over a product listing to see more details without needing to load another page. Ocean WP also gets top marks for fast loading times. Another feature is importing live demos, giving your customers an even better understanding of your products.

You can try the free OceanWP theme before you commit to the paid version. Once you decide to buy, you have the choice of three tiers:

  • Personal: $39 annually or $159 for a lifetime license for one site
  • Business: $79 annually or $319 for a lifetime license for three sites
  • Agency: $129 annually or $519 for a lifetime license for 25 sites

Unfortunately, you don’t get any additional features with the upgraded tiers. You are paying more to use the theme on more sites.

#5 — Porto—Best for Niche E-commerce Setups

Porto has an e-commerce-specific design with over 20 premade demos to help you build your site. It even divides its design variations into niches, making it easy for you to choose the right one for your business without sifting through a list of layouts.

Many of Porto’s designs look similar, so if you want something completely one-of-a-kind, it may not work for you. However, the designs it does have give any site a functional, clean look ready for any e-commerce industry.

You can tailor your site to what you sell, so your theme matches your brand. With customizable headers, product quick view, and product page customization, you have what you need to help your listings stand out.

Porto offers six different versions of product detail pages to give your customers exactly the right view of your products and also has an extensive library of documentation and responsive support to help you get your site up and running ASAP.

When it comes to conversions, Porto’s SEO-friendly setup helps you get noticed in searches. Plus, with a responsive, organized theme, customers will want to stay on your site. Porto is even Retina-ready, so you’ll have no problem displaying high-quality images.

You can get this theme from ThemeForest for $35 for a regular license.

#6 — Shopkeeper—Best for E-commerce Shops with Blogs

Shopkeeper focuses on e-commerce first by prioritizing conversions and sales for your shop. With extensive product pages for long-form content, reviews, images, and related products, you have all the tools you need to draw in customers.

Shopkeeper works well for beginners and people who don’t want to spend a ton of time building their site before starting to sell their products. This theme has pre-built layouts for your homepage and individual product pages, so you don’t have to worry about coding.

Auto-updates take the effort out of site maintenance. Plus, with drag-and-drop page building and plenty of stylistic features, Shopkeeper gives you a convenient way to create the e-commerce site you want. It even has built-in space for your blog and portfolio.

If you ever need to turn off purchasing options, such as if you are out of stock, Shopkeeper has a Catalog Mode, where you can quickly turn on and off the ability to make a purchase. Your site is still active in Catalog Mode, and users can continue to view your products and descriptions and read your blog.

With a responsive, fast-loading design, this e-commerce WordPress theme gives you the foundation for a high-quality shop. 

At $59 for a regular license, it offers everything you need to impress and convert site visitors.

#7 — Halena—Best for Pre-Built Ecommerce Shops

Halena works well for people who want a minimalist, no-frills shop. It has plenty of pre-built templates, so you don’t have to do any heavy lifting to get your shop off the ground.

Despite its minimalist design, Halena still has enough options to make your shop stand out, including:

  • Quick view
  • Product display options
  • Lookbooks
  • Shopping cart
  • Accounts and order tracking

Despite being pre-built, Halena still offers a good amount of customization. You can add progress bars and customized pricing tables, milestone counters, change button types, and add calls to action throughout your site. If you have physical locations, you’ll love the integrated Google Maps feature so customers know where to find you.

At just $49 for a regular license, Halena does all the hard work for you. The theme also includes WPBakery Page Builder and a drag-and-drop content editor, making it easy when it comes to site-building. Despite its ease of use, Halena still offers features like the advanced AJAX filter so that customers can find products in a few clicks.

Summary

No single e-commerce WordPress theme works best for every shop. Choose the right one for you based on your products, niche, and personal preference.

While you want to consider your customer’s experience, consider your own, too. A well-designed theme can make or break your e-commerce business, so weigh each feature before you commit to one.

The post Best Ecommerce WordPress Themes appeared first on Neil Patel.

Get a Recession Business Loan for a Restaurant

Need a Recession Business Loan a Restaurant?

If you love to cook or you love to eat but know you can do better than the restaurants and cafés in your area, you might be dreaming about opening your own restaurant. But to grow a restaurant, you are going to need business capital. In a bad economy, that means a recession business loan for a restaurant.

Like all businesses, getting started with a restaurant is probably going to mean you will need to borrow capital. Often, that will be a business loan.

Recession Age Funding

The number of US financial institutions and also thrifts has been decreasing slowly for 25 years. This is from consolidation in the marketplace as well as deregulation in the 1990s, reducing obstacles to interstate banking. See: https://www.fundera.com/blog/happened-americas-small-businesses-financial-crisis-six-years-start-crisis-look-back-10-charts

Assets focused in ever‐larger banks is troublesome for small business owners. Big banks are a lot less likely to make small loans. Economic downturns suggest financial institutions come to be much more mindful with financing. The good news is, business credit does not rely on banks.

The SBA

Many credit line varieties that most business owners imagine come from conventional banks and conventional banks use SBA loans as their key loan product for small business owners. This is because SBA assures as much as 90% of the loan in the case of default. These credit lines are the most challenging to get approval for because you must qualify with SBA and the bank.

Get a Recession Business Loan for a Restaurant from the SBA

There are two fundamental sorts of SBA loans you can commonly get. One kind is CAPLines. There are in fact 4 types of CAPLines that can work for your business.

You can also secure a lesser loan amount more quickly using the SBA Express program. A lot of these programs offer BOTH loans and revolving lines of credit.

From the SBA … “CAPLines is the umbrella program under which SBA helps business owners meet short-term and cyclical working capital needs”. Loan amounts are offered right up to $5 million. Loan qualification prerequisites are the same as with other SBA programs.

Seasonal Line

This one advances against anticipated inventory and accounts receivables. It was created in order to help seasonal businesses. Loan or revolving are on offer.

Contract Line

This one finances the direct labor and material costs of performing assignable contracts. Loan or revolving kinds are available.

Builders Line

This one was made for general contractors or builders constructing or renovating industrial or residential buildings. This line is for fund direct labor-and material costs, where the building project acts as the collateral. Loan or revolving types are on offer.

Working Capital

Borrowers must use the loan proceeds for short term working capital/operating needs. If the proceeds are used to acquire fixed assets, lender must refinance the portion of the line used to acquire the fixed asset into an appropriate term facility no later than 90 days after lender discovers the line was used to finance a fixed asset.

Get a Recession Business Loan for a Restaurant from SBA Express

You can get approval for right up to $350,000. Interest rates can be different, with SBA enabling banks to charge as much as 6.5% over their base rate. Loans above $25,000 will call for collateral.

Approval Details

To get approval you’ll need great personal and company credit. Plus the SBA states you must not have any blemishes on your report. An acceptable bank score demands you have at least $10,000 in your account over the very last 90 days.

You’ll likewise need a resume showing you have market practical experience and a well put together business plan. You will need three years of business and personal tax returns, and your business returns should show a profit. And, you’ll need a current balance sheet and income statement, therefore showing you have the funds to pay back the loan.

Collateral

To get approval you’ll need account receivables, but just if you have them. As for the collateral to offset the risk, normally all business assets will serve as collateral, and some personal assets including your home. It’s not unheard of to need collateral equivalent to 50% or more of the loan amount. You also need articles of incorporation, business licenses, and contracts with all third parties, and your lease.

Let’s look at credit lines.

Get a Recession Business Loan for a Restaurant from Credit Lines

A credit line, or line of credit (LOC), is an agreement between a borrower and a bank or private investor that establishes a maximum loan balance that a borrower can access.

A borrower can access funds from their line of credit anytime, so long as they don’t go beyond the maximum set in the arrangement, and as long as they meet all other requirements of the bank or investor including making on time payments.

Advantages

Credit lines deliver many unique benefits to borrowers including flexibility. Borrowers can use their line of credit and merely pay interest on what they use, in contrast to loans where they pay interest on the sum total borrowed. Credit lines can be reused, so as you acquire a balance and pay that balance off, you can use that accessible credit again, and again.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Details

Credit lines are revolving accounts similar to credit cards, and compare to various other types of funding including installment loans. Oftentimes, lines of credit are unsecured, much the same as credit cards are. There are some credit lines which are secured, and for this reason easier to qualify for

Credit lines are the most commonly requested loan type in the business world although they are preferred, authentic credit lines are rare, and tricky to find. Many are also very hard to get approval for calling for good credit, good time in business, and good financials. But there are other credit cards and lines that few people know about that are attainable for startups, bad credit, and even if you have no financials.

Get a Recession Business Loan for a Restaurant from Private Investors and Alternative Lenders

Private investors and alternative lenders also offer credit lines. These are less complicated to qualify for than conventional SBA loans. They also demand much less documentation for approval. These alternative SBA credit lines frequently need good personal credit for approval.

Unlike with SBA, many of them don’t call for good bank or business credit approval. Most of these kinds of programs call for two years’ of tax returns. Tax returns need to demonstrate a profit. Rates can vary from 7% or greater and loan amounts range from $25,000 into the millions. Loan amounts are frequently based on the revenues and/or profits on tax returns. At times lenders may ask for other financials such as a profit and loss statement, balance sheets, and income statements.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Get a Recession Business Loan for a Restaurant with Merchant Cash Advances

Merchant cash advances have quickly become the most popular way to get financing, in large part due to the effortless qualification process. Businesses with $10,000 in earnings can get approval, with the business owner having scores as low as 500.

Some sources have now even begun to offer credit lines that accompany their loans. You must have at least $10,000 in revenue for approval. You should be in business for at least one year, however three years is better. Lenders usually want to see a credit score of 650 or better for approval.

Loan amounts are usually around $20,000. Lenders normally will pull your business credit, so you ought to have some credit already and at times lenders will want to see tax returns.

Rates vary, due to the risk for this program, and there typically aren’t a lot of funding sources who offer it.

Get a Recession Business Loan for a Restaurant with Stocks/Bonds as Collateral for Financing

You can get financing despite personal credit if you have some sort of stocks or bonds. You can also get approval if you have somebody wishing to use their stocks or bonds as collateral for financing.

Personal credit quality doesn’t matter as there are no consumer credit requirements for approval. You can get approval for as much as 90% of the value of your stocks or bonds. Rates are often lower than 2%, making this one of the lowest rate credit lines you’ll ever see. You can still earn interest as you generally do on your stocks and bonds.

Credit Cards and Lines are Very Similar

Credit cards ordinarily offer 0% intro rates for up to two years. This is also rather useful for startups in particular. And credit lines let you take out more cash at a more affordable rate than do cards. These are the main two differences which will have an effect on you between credit cards and credit line.

Investopedia even says that “lines of credit are potentially useful hybrids of credit cards.”

Both cards and lines are revolving credit. Credit lines are tougher to get approval for as card approvals are often very quick, many times automated, while line require an in-depth underwriting review. Lines usually offer lower rates, according to Bankrate card rates average 13% while lines average 4%.

Get a Recession Business Loan for a Restaurant with Unsecured Business Credit Cards

Recession Restaurant Financing Credit SuiteThe majority of these cards report to the consumer credit reporting agencies. They all require a personal guarantee from you. You can get approval in general for one card at the most as they discontinue approving you when you have two or more inquiries on your report.

Most credit card companies feature business credit cards including Capital One, Chase, and American Express. These have rates similar to consumer rates and limits are also similar.

Some of them report to the consumer reporting agencies, some report to the business bureaus. Approval requirements resemble consumer credit card accounts.

Inquiries

Frequently, when you apply for a credit card you put an inquiry on your consumer report. When other lenders see these, they won’t approve you for more credit for the reason that they do not know how much other new credit you have lately obtained.

So they’ll only approve you if you have less than two inquiries on your report within the most recent six months. Any more will get you refused.

Get a Recession Business Loan for a Restaurant with Our Hybrid Credit Line

With this form of business financing, you work with a lender who concentrates on securing business credit cards. This is a very rare, very few know about program which few lending sources offer. They can typically get you three to five times the approvals that you can get on your own.

This is because they are familiar with the sources to apply for, the order to apply, and can time their applications so the card issuers won’t reject you for the other card inquiries. Individual approvals frequently range from $2,000 – 50,000.

The end result of their services is that you generally get up to five cards that resemble the credit limits of your maximum limit accounts now. Multiple cards create competition, and this means they will raise your limits, often within 6 months or fewer of first approval.

Approvals

Approvals can go up to $150,000 per entity such as a corporation. With our hybrid credit line you get three to five business credit cards that report only to the business credit reporting agencies. This is huge, something the majority of lenders don’t offer or advertise. Not only will you get cash, but you build your business credit also so within three to four months, you can then use your new company credit to get even more money.

Rates

The lender can also get you low introductory rates, typically 0% for 6-18 months. You’ll then pay normal rates after that, typically 5-21% APR with 20-25% APR for cash advances. And they’ll also get you the very best cards for points. So this means you get the very best rewards.

Like with just about anything, there are significant benefits in teaming up with a source who focuses on this area. The results will be far better than if you attempt to go at it by yourself.

Learn business loan secrets with our free, sure-fire guide. We can help you get money, even during a recession.

Qualifications

You must have excellent personal credit now, ideally 685 or higher scores, the same as with all business credit cards. You shouldn’t have any negative credit on your report to get approval. And you must also have open revolving credit on your consumer reports now and you’ll need to have five inquiries or less in the last six months reported.

Fees

All lenders in this space charge a 9-15% success based fee and you only pay the charge off of what you secure. Remember, you get a lot of extra advantages and about three to five times more cash in this program than you could get on your own, which is why there’s a fee, the same as all other lending programs.

You can get approval using a guarantor and you can even use various guarantors to get even more money. There are even other cards you can get making use of this very same program but these cards only report to the consumer reporting agencies, not the business reporting agencies. They are consumer credit cards versus business credit cards.

Benefits

They offer similar benefits such as 0% intro annual percentage rates and five times the amount of approval of a solitary card but they are much easier to get approval for.

You can get approval with a 650 score and seven inquiries (or fewer) in the last six months and you can have a bankruptcy on your credit and other negative items. These are a lot easier to get approval for than unsecured business credit cards.

With all preceding cards above, you ought to have good consumer credit in order to get approval but what happens if your personal credit is not good, and you don’t have a guarantor?

This is when building company makes a great deal of sense even if you have good personal credit, developing your business credit helps you get even more money, and without having a personal guarantee.

Get a Recession Business Loan for a Restaurant with Building Business Credit

Company credit is credit in a company name, in connection with the company’s EIN number, and not the owner’s Social Security Number. When accomplished correctly, you can acquire business credit without a personal credit check and without a personal guarantee. This is something all other cards above can’t deliver.

You can get three types of business credit cards. First is vendor credit, which offers net 30 terms to set up a business credit profile. Then is retail credit, where you will get credit cards with high limits at most stores.

Next is fleet credit. It’s credit to fuel, service, and maintain business vehicles. And then there’s cash credit, which includes Visa, MasterCard, and American Express cards that you can use anywhere. You can obtain these with no credit check or guarantee. Limits are oftentimes $5,000 – $10,000 to get started, and can exceed $50,000.

Takeaways for How to Get a Recession Business Loan for a Restaurant

Your business can get credit cards and financing, if you know where to look. Learn more here and get started toward establishing business credit. Get a recession business loan for a restaurant. And grow a business you can be proud of!

The post Get a Recession Business Loan for a Restaurant appeared first on Credit Suite.

Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession

Get the Most Awesome, Best Balance Transfer Business Credit Cards in a Recession Today!

You can get the best balance transfer business credit cards in a recession! We can show you how!

Per the SBA, corporate credit card limits are 10 – 100 times that of personal cards! This shows you can get a lot more cash with small business credit.

And this also means you can have personal credit cards at retail stores, and now have an additional card at the same stores for your business. And you won’t have to provide collateral, cash flow, or financials to get business credit.

Best Balance Transfer Business Credit Cards in a Recession: Card Advantages

Features vary, so make certain to select the perk you prefer from this range of choices.

The Best Balance Transfer Business Credit Cards in a Recession – You Can Get Luxurious Travel Points

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take 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 terrific for travel if your costs don’t come under basic bonus categories. You can get unlimited double miles on all purchases, with no limits. Get 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 only 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: https://www.capitalone.com/small-business/credit-cards/spark-miles/

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 initial 3 months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get 3 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 via Chase Ultimate Rewards. You will need a good to superb FICO score to qualify.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

No Annual Fee

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

For no annual 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 initial nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.

You can earn 30,000 bonus points when you make a minimum of $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.

Get unlimited 1.5 points for every $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.

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

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

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

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

Points

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

Get double points on all other eligible purchases.

Rewards

Also, 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 free Marriott Bonvoy Silver Elite status with your Card. Also, 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 following 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: https://creditcard.americanexpress.com/d/bonvoy-business/

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Business Credit Cards for Fair Credit, Not Needing a Personal Guarantee

Brex Card for Startups

Check out the Brex Card for Startups. It has no annual fee.

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

Nevertheless, they do not accept every industry.

Likewise, there are some industries they will not work with, and others where they want added documentation. For a list, go here: https://brex.com/legal/prohibited_activities/.

To determine creditworthiness, Brex checks a corporation’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 (even a 300 FICO) to qualify.

Find it here: https://brex.com/lp/startups-higher-limits/

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

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Terrific Cards for 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 per year. There is no introductory APR deal. The regular APR is a variable 18.49%.

You can get a $500 one-time cash bonus after spending $4,000 in the first 3 months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.

You will need good to outstanding credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/

Flat-Rate Rewards and No Annual Fee

Discover it® Business Card

Take a look at the Discover it® Business Card. It has no annual 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| quickly to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to outstanding credit scores to qualify for this card.

https://www.discover.com/credit-cards/business/

Bonus Categories

Ink Business Cash℠ Credit Card

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

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

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

You will need excellent credit scores to qualify for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF

Boosted Cash Back Categories

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

Check out the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 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.Best Balance Transfer Business Credit Cards in a Recession Credit Suite

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. Get 2% cash back on dining. So this is for the initial $50,000 in combined choice category/dining purchases each calendar year. Then get 1% after, with no limits.

You will need outstanding credit scores to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/

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

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Credit Cards with 0% Introductory APR

Blue Business® Plus Credit Card from American Express

Check out the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

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

So you will need good to outstanding credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also take a look at 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. Yet its rewards are in cash as opposed to 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 initial twelve months. Afterwards, the APR is a variable 14.74 – 20.74%.

So you will need great to superb credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Cards for Rewards

Capital One® Spark® Cash Select for Business

Check out 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. And earn a one-time $200 cash bonus once you spend $3,000 on purchases in the initial three months. Rewards never expire.

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

So you will need great to excellent credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

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

Alternatives to the Best Balance Transfer Business Credit Cards in a Recession: Exceptional Business Credit Cards 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 first one year. 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 corporation. And get $500 bonus cash back after spending $3,000 in the initial 3 months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. So you will need exceptional credit scores to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Your Best Balance Transfer Business Credit Cards in a Recession

Your absolute best balance transfer business credit cards in a recession will be based on your credit history and scores. Just you can decide which benefits you want and need, so be sure to do your homework. And, as always, make sure to build credit in the recommended order for the best, fastest benefits.

The economy will change again – and your prospects for getting cards will be even better.

The post Excellent! Get the Best Balance Transfer Business Credit Cards in a Recession appeared first on Credit Suite.

The China Vise Tightens on Hong Kong

Variables to Consider for Borrowing Student Loans

Elements to Consider for Borrowing Student Loans

Under the approved criteria of obtaining pupil lendings, it is worried that you can obtain as much as the expense of participation, as figured out by your college, much less various other economic support you may be obtaining. Various other economic support describes gives, work-study, and also scholarships. As well as, the price of presence normally includes tuition, publications, costs, bed and board, and also various other various living expenditures.

The price of participation as established by your institution has numbers that are suggested to use to a vast team of pupils. Often, you might not require to obtain as long as your institution enables. Keep in mind that it is best to obtain the minimum quantity feasible to make sure that you can minimize your general economic responsibility later on.

Simply anticipate that some of the loan providers these days have actually obtaining limitations put on pupil financings if you like to take into consideration obtaining pupil finances to fund your education and learning. The federal government areas accumulated and also yearly loaning limitations on government trainee finances, as well as the accumulation restriction is typically the overall quantity that every trainee can obtain in the period of his or her education and learning. Provided this truth, it is after that needed to analyze and also review the regards to every funding you prepare to tackle for the accumulated and also yearly car loan limitations.

Besides that, thoroughly as well as truthfully examine your existing monetary condition, consisting of any type of monetary dedications you have actually made prior to going into the institution of your very own option. Comprehending the payment responsibilities of every dedication you’ve made is the secret below. Keep in mind that gradually you will certainly be in charge of these previous responsibilities along with any kind of education and learning financial debt you handle, and also your education and learning lendings are not offered to cover these previous commitments you have.

Think about the reasonable decision of your future revenue. When selecting a pupil lending program, be certain to do some examinations on the finances that provide you different settlement strategies which can help you in handling your settlements, specifically early on in your very own profession.

If you favor to think about obtaining pupil fundings to fund your education and learning, simply anticipate that some of the lending institutions these days have actually obtaining restrictions positioned on trainee financings. The federal government areas accumulated and also yearly loaning limitations on government pupil finances, and also the accumulation limitation is normally the complete quantity that every trainee can obtain in the period of his or her education and learning. When picking a trainee finance program, be certain to do some examinations on the lendings that supply you alternate payment strategies which can aid you in handling your repayments, particularly early on in your very own occupation.

The post Variables to Consider for Borrowing Student Loans appeared first on ROI Credit Builders.

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The Pats Are Rejuvenated, Round 3 Lines, and Big Dick Nick Falls Short With Cousin Sal | The Bill Simmons Podcast (Ep. 468)

HBO and The Ringer’s Bill Simmons is joined by Cousin Sal to talk Cowboys-Rams, Patriots-Chargers, Colts-Chiefs, and Saints-Eagles (2:15), before guessing conference championship lines and a new edition of ‘Parent Corner’ (43:12).

The post The Pats Are Rejuvenated, Round 3 Lines, and Big Dick Nick Falls Short With Cousin Sal | The Bill Simmons Podcast (Ep. 468) appeared first on Buy It At A Bargain – Deals And Reviews.

Stopping working To Plan Your Business Financing Can Be A Death Penalty For Your Business

Falling short To Plan Your Business Financing Can Be A Death Sentence For Your Business Many services begin assuming the initial point they require is a terrific service strategy. The prominent misconception is that prospective loan providers will certainly position excellent supply in your service strategy as a significant factor to consider for accepting the …

The post Stopping working To Plan Your Business Financing Can Be A Death Penalty For Your Business appeared first on Business Marketplace Product Reviews.

The U.S. Economy Helps Sink The Middle Class

The U.S. Economy Helps Sink The Middle Class

The radiant financial records are blowing away the center course. Tiffany the deluxe jewelry expert revenue increased as sales went up 20% to $ 662.6 million. The battling center course are really feeling the pinch.

The appealing residence market has actually dropped level for the battling center course. The inadequate are still inadequate as well as the center course is battling to remain center course. The case is various other areas of the economic situation are healthy and balanced.

That as well as what are the records referring to? What this indicates is if the reduced to center course earnings are stagnate while rising cost of living is increasing, the healthy and balanced economic climate exists for the abundant. There are numerous means to make the nationwide economic situation show up healthy and balanced than it is for the ordinary functioning course family members.

Changed for rising cost of living the government minimal wage has actually dropped 42% in June 2006 given that its height. The U.S. economic situation is partially constructed on the pharmaceutical and also food empires. Believe regarding it you have to consume so there is constantly a market for what the food sector creates.

The U.S. economic climate is sustained by the functioning course. If the U.S. economic situation sinks the center course, it will certainly resemble assumed the entire economic situation.

The possibilities for riches still exist in this economic situation. Their acquiring power and also customer costs feed the economic situation. The inquiry is whose economic situation.

When paying attention to the records on the economic situation you have to ask where Middle America is. It is being sunk by the individuals that declare to be holding the economic situation with each other.

What this suggests is if the reduced to center course earnings are stagnate while rising cost of living is climbing, the healthy and balanced economic situation exists for the abundant. There are lots of means to make the nationwide economic climate show up healthy and balanced than it is for the ordinary functioning course family members.

The U.S. economic climate is sustained by the functioning course. If the U.S. economic situation sinks the center course, it will certainly resemble believed the entire economic climate.

When paying attention to the records on the economic climate you have to ask where Middle America is.

The post The U.S. Economy Helps Sink The Middle Class appeared first on ROI Credit Builders.

AptDeco (YC W14) Hiring a Director Of Customer Experience, Growth Marketer, more

Article URL: https://www.aptdeco.com/careers Comments URL: https://news.ycombinator.com/item?id=21122154 Points: 1 # Comments: 0