For many companies, having a business card seems essential. It makes paying for materials, office supplies, and other operational expenses much easier. But if you have poor credit, you may wonder if you can even get access to a business card. The short answer is yes!

There are plenty of top business credit cards for business owners with no or poor credit. You just need to know where to look and how to find them.

How to Find the Right Business Card With Bad Credit

If you want to find a business card that accepts you with bad credit or no credit, it is as simple as knowing where to look.

Some Great Suggestions

We have two great suggestions for top business credit cards for those with poor credit or no credit. These are Capital One Spark Classic for Business and the Wells Fargo Business Secured Credit Card.

Capital One Spark Classic for Business has a 26.99% variable APR interest rate and no fees. Just keep in mind that it requires a credit score of at least 580. If your credit score is lower than this, consider the second option, the Wells Fargo Business Secured Credit Card. There is also no annual fee, and because it is secured, you can get it with nearly any credit score. However, you will have to deposit into the account to use the card.

Be Prepared for Higher Fees or Interest Rates

There is one important caveat. As with personal credit cards, business credit cards are more likely to have higher interest rates or annual fees if you have poor credit. So, don’t be surprised.

Alternatively, you can look for a secured credit card for your business. These function like any other secured credit card, requiring you to pay a deposit upfront. As a bonus, a secured card is an excellent way to build your business credit.

How to Build Your Credit

As mentioned, a secured credit card can help you build your business credit, but there are also other things you can do. Just establishing your EIN will help boost your business credit score. This is also important as it separates your business and personal finances.

You can also try applying for a credit line with your vendor if you can’t find a credit card yet. This is an alternative with a similar result, and it helps you build your credit. You could also try getting a small loan for working capital.

Finally, be sure to regularly check your business credit report, just like you would your personal one. This lets you ensure there are no errors that could be bringing the score down lower than it should be.

Conclusion

Just because you have bad credit or no credit, that doesn’t mean that you won’t have access to any top business credit cards. While your options will be limited, there are still some great choices. The only caveat is that you’ll have a higher interest rate or need to use a secured card. You also don’t want to rule out alternatives, such as a line of credit with your vendor or a working capital loan.

Whether your blog is your entire business or just a facet of your business, if you want to experience any kind of growth in this area, you’ve got to learn how to market your blog and use your blog as a marketing tool for the rest of your business.

To help you see how this can be done, here are three ways you can make your blogs more of a marketing tool.

Blog With A Plan

The very first thing you’ll need to have in order for your blogs to be beneficial for your business is to blog with a plan. Without a plan, both from a creation standpoint and a marketing standpoint, you can’t hope to have your blogs work to accomplish any of your goals.

To help you in blogging with a plan, you’ll need to consider what type of content you want to include in your blog. Then, you can plan out when you’ll write what content and how you’ll incorporate things like products, sales, holidays, and more into your content marketing ideas. Additionally, you’ll also need to plan how often you’ll be blogging and what you plan to do as far as promoting your blog posts. Without having all of these things planned and prepared for, things are bound to fall through the cracks.

Spend More Time On Your Headline And Images

It’s not only the written body content of your blogs that you need to be worried about. In fact, it’s been suggested that people spend about 80 percent on their time working on the headline and the last 20 percent on the actual body content.

While this might seem like a lot to you, the idea behind it is that no one is going to want to click through to your blog if your headline doesn’t entice them onwards. And along the same line of this, you’re also going to need to spend time finding or creating beautiful images to accompany your content, since the visual aspect of blogs can have a big impact on your readers and visitors.

Write Content With SEO In Mind

As you craft the actual content for your blogs, one thing you’ll want to keep in mind is that you should be writing with SEO in mind. When you’re able to do this, your content will automatically become more of a marketing tool, as it will cast your blog in a positive light online and help people more easily find you. So make sure you’re doing things like using the right keywords, doing solid internal linking, compressing your images, and posting with a mobile-friendly theme.

If you’re wanting your blog to work a little harder for you, consider using the tips mentioned above to help you make some changes that will have your blog being more of a marketing tool.

 

What’s the one thing that’s always evolving when it comes to businesses? The demands of customers.

You may think that your business has everything to make your customers happy, and then what you have is just not enough. That’s because times change, and customers’ expectations change with it. You have to keep evolving your business strategies in order to stay ahead. Today, the success of a business is defined by the customer experience it offers.

Customer experience has become the top priority these days. Your clients may compromise on how technologically advanced your business is or what is your brand value, but they won’t compromise on the standards of customer experience.

So, if you want to earn and retain a loyal customer base, then you must focus on developing a top-notch customer experience strategy. And to do that, you should know what factors influence the customer experience.

Factors Affecting Customer Experience

There are many factors that can affect a customer’s journey. Here are the top 3 key aspects that can have a huge impact on customer experience. Read on to know all about them.

Demographics

Demographics refers to the structure of your target audience. You should know the age group, gender, and other traits of your audience before developing your CX strategy. Once you understand your target audience, you will have an opportunity to better design the way you interact with them.

According to a recent survey by #CXInsights, your customer’s demographics decide how they interact with you. The survey revealed that younger people (age bracket: 18 to 24) are a lot more technologically advanced as compared to older people. So, providing a good experience to younger customers can be easier than that of seniors. Therefore, you have to use different CX strategies for people with different demographics.

Industry

Customer experience is equally important in all industries. However, some industries need a bigger improvement when it comes to communicating with customers.

The survey by CXInsights revealed that for some sectors, the time and resources required to complete customer communication might be greater than others. According to the survey participants, who were customers or customer service providers, the financial services industry takes the longest interaction time with customers.

The more time you take in communicating with your customers, the lesser the quality of customer experience becomes.

Language

It’s not what you say, it is how you say it. We have always heard this statement, and it applies accurately to the way you interact with your customers. We live in an ever-changing world where the tactics of communication are always changing.

How you get across your communication to your customers can be a huge factor in getting your message across. Dull flyers or imagery is out of fashion and customers don’t respond in the way they used to. Digital signage for businesses has become the industry standard for communicating with customers in a fast and efficient way.

If you want your business to succeed in these times, you should keep updating the lingo in which you talk with your customers. For example, using gender-inclusive language can significantly influence the way your customers perceive your brand. As per #CXInsights, 70% of 18 to 24 year olds said they are aware of gender-specific pronouns and know when a brand uses them.

Wrapping Up

There are many more factors to shape your efforts in offering better CX. These factors decide how your customers perceive your business. The more effort you invest in discovering and implementing such factors, the easier it will be to produce extraordinary experiences for the most important asset of your business, your customers.

Sometimes working for someone else just doesn’t work with your personality. Some people are made to be the leaders of their own destiny. Becoming an entrepreneur is a journey, and for some people, it’s the spark that lights a fire.

If you’re someone that wants to make your own way in life, you may be seeking a way into a gig of your own. Take some time to start researching the way now, and check out a few tips and tricks to remember when going into business for yourself.

You need the right attitude

Succeeding on your own means that you will have to pull up your boot straps, and really dig into the nitty gritty. A successful entrepreneur works long hours.

You’ll have to dedicate a lot of your time to your goals to truly achieve independence. It’s crucial that you have the “go get ‘em” mindset from the very beginning.

Get a visual on your goals

You need an idea of where you want to go to start taking steps forward. If you want to run your own business, develop a solid business plan. If you plan to be a real estate agent, start researching the path you’ll need to take now.

You could start getting your creative thinking amped up by building a vision board. Put your mind to work envisioning what you want out of the next year of your life. Don’t go more than 5 years on the board, so you don’t lose focus.

Wake up and step out

You have to have the go-getter spirit to get things moving as an entrepreneur, and part of living in that mentality is taking literal steps towards your goals. Take chances, and get yourself out in the world of whatever kind of business or specialty you wish to operate within.

Spend time networking. Talk to people who know more about the industry than you do, and take notes. Being thorough in the knowledge you absorb will serve you well along the way to becoming a successful entrepreneur.

Wrangle your personal finances

Every entrepreneur has to have a little bit of money to invest in their passion, and it’s a good idea to start reframing your financial situation sooner than later. If you have several thousand in your savings account and an excellent credit score, then you’re already on the right track.

If that’s not the case, then you have some work to do. You’ll need a decent credit rating to get the funding you might need in the future. Start working on reshaping your financial situation, so money isn’t a hurdle to clear when you’re ready to start a business.

Never stop the learning process

Always work towards learning something new about your area of interest. Even when you’ve got a thriving business that’s been running successfully for years, you could still stand to learn a thing or two.

 

The pandemic changed employees’ lives around the globe and has allowed us to settle into a rhythm that includes remote work. But, as vaccine rollouts accelerate in countries that can afford them, a new hybrid working model is beginning to take shape. In the United States, Wall Street is gearing up for an Autumn where employees will be expected to return to the office for at least part of their day. But, as companies try to decide the best way forward, it’s clear that many employees don’t want to return to the pre-pandemic work environment.

The rollout of the vaccine has allowed companies to manage their employee’s work situations in various ways. Front line workers were back to work nearly immediately and have had to live with the fear of contracting the virus and the many tests and procedures needed to make the process work. Many companies are still entirely remote, while others have started inviting employees back to work. The office worker who can perform their tasks at home is the player in the industry that will drive changes.

Some companies have permitted employees to continue working remotely until at least the end of 2021. Others have recalled staff on different schedules. Other companies are leaving it entirely up to individual workers to decide where to base themselves. The future of work is changing rapidly and can have an impact on the global economy.

Businesses worldwide are also starting to think about alternative ways to structure work communication and physical presence. For example, the concept of pressing-the-flesh and taking clients out to dinner could be changing. In addition, while a younger generation is likely champing at the bit to get out and start to travel again, an older generation of employees might be content to provide their services from their home office. This scenario presents multiple issues. First, employees working from home will eventually want their employers to pay for their communication. Second, these employees might wish to temporarily meet clients who come into their city for a visit. This scenario creates the need for a hybrid working model that can change the global economy’s flow and reduce the amount of currency that needs to change hand to make this process work. This change could impact forex trading prices for a variety of currency pairs.

How Many Employees Will Want to Work From Home?

There is research that points to what post-pandemic working patterns may look like in the future. In one paper, reported by The Economist, three economists survey thousands of Americans and conclude that post-pandemic; the average employee would like to work from home nearly half the time. Of course, employers are less keen, but their expectation that 20% of their time working from home will substantially change from the previous norm.

A change in the number of employees coming into a working environment will also change the face of commercial real estate. The office used to be a place where employees had to come to be counted as present on a day of work. Now many employees can work anywhere they have access to the internet. A hybrid working environment will help an employer reduce the amount of space needed for an office environment.

Not all companies are sympathetic to the new hybrid norm. For example, financial firms like Morgan Stanley and Goldman Sachs announced they want their employees to return to the office as more people get vaccinated against Covid-19. At the same time, Morgan Stanley announced that they would bar workers without Covid vaccinations from most New York offices beginning July 12. This creates a double-edged sword. If you are unwilling to get a vaccination for any reason, you will be unable to go into an office in some circumstances. You will then put yourself at a disadvantage if your employer requires that everyone come to the office and eliminate the communication network that allowed employees to work remotely.

The Bottom Line

The change to a hybrid working model is currently in the works. Some people continue to work remotely while others are beginning to return to their office working environment. What is clear is that business travel will likely change. The lack of movement from country to country could impact money flow and affect forex trading. In addition, offices with a hybrid working model will no longer need to house as many employees as companies decide how to book time in an office. The commuting process will also change as the number of individuals making their way into major metropolitan areas will also be impacted by a hybrid model. The upshot that the hybrid model will alter the way we work, even after the virus is long gone.

 

Cryptocurrency has been around for a while now. And social media has made investing in the crypto market look very lucrative. Some even see it as a quick means to get rich quickly. As a result of this, people fall into scams and buy coins or currencies that are not lucrative.

Before Bitcoin made a splash in the financial world in 2009, it caught the interest of the IT and banking sectors. It took time for people to become concerned until the cost skyrocketed to $19,783 in 2017.

This may be the highest point of cryptocurrency speculation and suddenly everyone wanted to be a part of it. Other cryptocurrencies like Ethereum, Ripple, Litecoin, have developed in the digital domain to act as competitors since the start of crypto.

Ryan Hoggan, an experienced entrepreneur, business executive and venture capitalist has shared tips and tricks that new crypto investors and traders will find very useful in order to minimize losses.

Always look for information from reliable news sources

Due to their popularity, cryptocurrencies will always be subject to various points of view. These points of view are from people who own them and those who do not know jack about the market.

A lot of people believe that crypto is merely a passing trend, and those who participate will only suffer. However, this is not necessarily true.

One of the most important factors in being a good investor or cryptocurrency owner is to just focus on the facts. Do not pay attention to just mere opinions from just anybody.

An exchange rather than a broker should be used

You will save money on fees and commissions because of this. When used correctly, most exchanges are simple enough for even novices to operate.

Also, don’t forget to look at what kind of commissions and fees you’re agreeing to when you join an exchange. This is very imperative to know what you are getting your money into. It’s surely less risky and much cheaper that way.

Decide on the currency you want to hold and have a diversified crypto portfolio

Bearing in mind the extreme volatility in the cryptocurrency market, only allocate a small percentage of your portfolio to cryptocurrencies. Before deciding how much of your portfolio you want to invest in cryptocurrencies, you must determine beforehand how much of your portfolio you are willing to risk.

Invest in other alternative cryptocurrencies

Bitcoin is one part of the cryptocurrencies available to the general public, but there are plenty of other options as well. Don’t put all your eggs in one basket.

You can wind up winning or losing depending on what happens. Make sure you have done your homework and identified the cryptocurrencies that are prospering at the moment, as well as the ones that may be of service to you.

You are completely in charge of what you’ll spend your cryptocurrency for, so pick your assets carefully.

Related: Expert Entrepreneur Ryan Dean Hoggan On Why NFTs Could Be The Big Investment That Pay Off
From my experience in entrepreneurship, especially in real estate, I know that sometimes the activities of intermediaries can be problematic. This is another beauty of NFT. Continue Reading…

Know that things will be volatile.

Cryptocurrency is still not as stable as other currencies and other types of investments such as real estate. Price fluctuations over the months and even years have proved this.

You must be flexible in your choices and make thoughtful judgments with regard to the quantity of assets you already have.

Virtual currencies may seem to be difficult to trade and trade well, but even the most experienced cryptocurrency traders and owners have difficulty keeping up with the price changes.

Related: 7 of the Best Cryptocurrencies to Invest in Now
The best cryptocurrency to buy depends on your familiarity with digital assets and risk tolerance. Continue Reading…