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Alternative Funding Myths Vs Reality



If you have been running a small enterprise on your own, you would have already experienced the challenges of upgrading working capital or enhancing business growth with loans from banks. Not only do banks now have to conform to stringent regulations post-recession, but they also have to spend quite a bit for underwriting a loan, even if the amount is less. This explains why alternative finance companies have emerged as the go-to funding options for smaller businesses. But, despite the surge in popularity of alternative funding, there are still many myths surrounding them. Entrepreneurs have opted for these because of concerns of risks of borrowing from other lenders, credit scores, and lack of time.

Debunking myths about alternative financing options:

  • AF entails high costs: One of the assumptions that people have is that alternative financing will be far more expensive. This keeps them away from alternative funding sources. The truth is rates are aggressive, especially when time is short and fees are hardly competitive; however, if you can blend this with the traditional financing options, you can generate sufficient cash flow for your business. For example, any business that finds it a struggle to get competitive loan rates from traditional lenders despite having an impressive turnover.
  • AF loans are time-consuming: It has been argued that getting alternative financing is always more time-consuming and the experience of securing it is far from pleasant. However, this notion is not completely true as the AF market has undergone a lot of changes over the years, as far as paperwork is concerned. At the same time, if you are in a desperate need for finances to cater to growing consumer demands, you will not mind an elaborate paperwork or a tedious application process. Moreover, besides traditional underwriting, AF companies make use of technology and proprietary analytics to guarantee faster access to funds. Entrepreneurs can even enjoy short-term financing plans, where they will not be forced to put up their assets as collateral. 
  • AF is only for bank-rejected businesses: Only businesses that have not been successful in qualifying for bank loans were believed to be candidates for alternative lending. This is not true as many modern-day entrepreneurs are considering it because of the advantages it offers over traditional loans. It was also thought that AF is for desperate businesses which are on the verge of collapse. 
  • AF will cater to failing companies: The idea that AF companies will work with just about anyone, disregarding their financial status, is not true. They take a decision after a thorough evaluation process to ensure that the applicant has a strong financial position. AF targets businesses that are keen to work with companies where they can get viable growth opportunities.
  • Negatively impact credit scores: It is important to debunk this myth regarding alternative business funding companies, because in reality, AF can help improve an enterprise’s credit history. Business owners in desperate need for funds will be forced to take out money from their own savings/assets which can land them in debt. Alternative finances help you to stay away from business debts that can impact your own credit history.
  • AF industry does not conform to regulations: Dispelling this myth is imperative because today AF services are governed by both federal and state lending laws and subject to commercial and contractual law obligations.

While you may feel confident about opting for alternative financing once these myths have been dispelled, it is recommended that you consult an expert because there is no one-size-fits-all solution that works for all businesses.


Benefits Of Social Media Marketing For Small Business



Small Business

According to recent reports from We Are Social and Hot Suite, more than 3 billion people now use social networks throughout the Internet. And according to Hat Sweet, more people follow the brand on social media than celebrities. On Instagram alone, 80% of people follow at least one business.

But for some reason, when small business owners think about managing Best Social Plan accounts for their business, they shrink, make excuses for why they can’t, and sometimes they can’t do it at all.

Social media marketing isn’t scary to your business at all.

The biggest benefits of using social media for small businesses are:

1. An easy way to introduce your brand to the world

We live in a world where people want to know what they are doing before they start a business. Through updated social media accounts, these people understand your business and whether it’s where they want to go.

2. Cheap

Marketing costs almost all kinds of money. However, social media marketing costs little and can still have a huge impact on your business. Once you have a plan, you can use social media to reach new potential customers every day, using relevant hashtags and more.

3. It keeps your business a top priority

As a result, how many times have you seen social media posts, bought products, or visited stores? Probably many times more than you think.

Here is an example: If your local coffee shop posts something special for the day and you have your favorite grilled cheese sandwich (each cheese you can imagine), decide whether to consider it for lunch that day. For that sandwich.

When you post regularly on social media, you are creating this mindfulness-awareness for your brand.

4. Helps create leads

Service-Oriented Business: This is for you. Today, Instagram and LinkedIn are two networks that provide new leadership for service-oriented businesses. If you share your brand and skills in a way that makes people think, “You can get the most out of this service,” you’ll find that social media works in half the battle.

5. You generate more web traffic

This isn’t true for all businesses today, but many small businesses require traffic to their website, especially if they sell their products or services from their website. If this applies to your business, make sure your social media complements your website rather than replaces it.

Make sure your social media posts are sent back to the users who are sent back to your website. That way, they can know more about you and your business.

6. How to find new content

We always hear it from business owners. It’s hard to come up with enough content to post daily on the best Social Plan. But the biggest advantage of social media is that customers can create content for you.

Put signs around your business and know that people want to see the pictures you want to take during their experience. Use a specific hashtag or ask you to tag with an image. That way, in most cases, you’ll be able to use materials that don’t require much time to produce.

Advanced Tip: Always check the credits of the person who first created the content you used.

7. You can communicate immediately

There are things they can’t do in the lives of all small business owners. Babies need to be picked up early from school and dogs need to go to the vet. You can see other scenes. You can use social media to let your followers know that you may need to stop or you may not be able to talk to them directly during their visit.

8. You can monitor the competition

Knowing what your competitors are doing is only part of running your business. Use social media to see what other companies in your area or industry are doing.

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The important step in choosing an online transportation solicitor



transportation solicitor

In the UK, the Convening Solicitor provides legal assistance in the sale, purchase, or rescheduling of any property. The main role of sending solicitors is to negotiate with other parties and expedite the process.

Transporters can also be hired online. Online transporters have many advantages and one of the main advantages of hiring an online transporter is that you can actually get rid of physically attending the various meetings involved during the process.

But to get the best results, the best transportation staff must be hired. In this article, we will discuss different ways to select an online carrier from a solicitor firm.

Opt for a firm that specializes in residential property

To resolve your property issue, you will need to obtain a transportation service from a firm that specializes in property matters. No matter how good the company is in lawsuits, family, divorce, etc., if the company does not specialize in residential matters, you cannot be assured of proper assistance.

Select companies listed by the Law Society or Licensed Transport Council

Before renting a convention from a conventing firm, you need to check if the company is registered with the Law Society. It informs you that the company provides registered and qualified solicitors. In addition, the Council of Licensed Transporters lets you know that all of the transporters available with the firm are licensed.

Assess the available technology options properly

The technology that a transport company uses must be evaluated. It lets you know how a transport company can properly communicate with its clients.

Most companies make the first point of contacting their clients through an online quote. With a truly online service, you can track the status of your claim using the Internet or a short messaging service (SMS).

In addition, a good and reputable transportation company provides their customers with a username and a password, so that customers can easily access their personal information whenever they want.

Know in advance the fees charged by the solicitor firm

Only fees and rates are better to fix in advance. With a fee structure that includes stamp duties, inspections, etc., you can ask your solicitor firm for a ‘No Win No Fee Agreement’. If your firm agrees to sign a ‘No Win No Fee Agreement’, you don’t have to pay anything until your work is finished.

Other than that, beware of companies that charge by the hour, because here you have to pay extra for paper costs and telephone expenses.

In addition to this, a very important thing to consider is to review the client’s care letter which provides full disclosure about the service and all the costs associated with it. Once you sign the letter, you enter into a legal agreement with the firm.

In today’s modern high-tech world, almost everything can be done online and transportation is no exception.

Convincing is the legal term for the process of transferring ownership of a property between two parties. Transportation is a legal document known as a document that delivers property from the seller (or seller) to the buyer.

There are basically 3 steps in this process: keeping the property for sale, completing the legal documents related to the property, and exchanging the contract through which the property is transferred to the new owner.

Dition Convincing is typically done by a solicitor or licensed convener and can be a laborious time-consuming process that involves many trips to your representative’s office. With the advent of online transportation, the process can be easier, faster, and cheaper.

For any help with convincing, see the information available Online conveyancing; These will help you learn to find convincing solicitors!

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These are the best tech stocks to buy now analysts say




This story originally appeared on Best Stocks.

Source Link:

China tech

Tencent, a Chinese internet company, and, an e-commerce heavyweight, were named by the investment firm as two stocks that may be relatively immune to the impact of regulatory uncertainty in the short run.

According to Lorraine Tan, Morningstar’s director of equity research in Asia, Tencent has a “fairly well-diversified earnings base.”

Goldman Sachs recommends China chip stocks to buy as the US-China tech rivalry heats up.
Source: Getty Images

In response to recent regulatory scrutiny of Tencent’s gaming business, Tan stated that the company’s other revenue streams, such as cloud computing and WeChat, will allow it to “deflect” some of the expected regulatory pressure.

Some of the measures aimed at reducing… monopolistic practices will actually benefit some of the smaller e-commerce players, including…

Tan, Lorraine

According to the analyst, in the case of, the perception of being less dominant than industry leader Alibaba may allow JD to fly under the radar of Beijing’s regulatory crackdown.

In April, Chinese regulators slapped Alibaba with a $2.82 billion fine for alleged market dominance abuse.

Morningstar has identified two stocks that are “more sheltered” from China’s technological scrutiny.

UBS selects its top investment ideas for China, including ‘high quality’ real estate investments.

Goldman Sachs recommends China chip stocks to buy as the US-China tech rivalry heats up.

“We do believe that some of the measures aimed at reducing… monopolistic practices will actually benefit some of the smaller e-commerce players — and is one of them, which we believe is relatively well-entrenched right now.” “And we believe they will benefit,” Tan said.

Regulatory uncertainty has been a major overhang on China’s massive tech sector in recent months, which has enjoyed unrestricted growth for years. The crackdown, aimed primarily at anti-monopolistic behavior, has had a significant impact on investor sentiment, wiping billions of dollars off tech stocks in August.

The Hang Seng Tech index, which tracks the 30 largest technology firms listed in Hong Kong, had fallen around 24 percent for the year as of Monday’s close.

Tencent and were not immune to the market’s wrath, with their Hong Kong-listed shares falling around 14 percent and 9 percent, respectively, during the same period.

Buy any dips in Apple stock (APPL)

Buy any dips in Apple stock (AAPL)
Source: Getty Images

The ongoing global semiconductor shortage has dampened expectations for Apple’s iPhone sales. Bloomberg News reported on Tuesday that the company would reduce its production targets for 2021 due to the shortage.

However, Morgan Stanley’s Katy Huberty, who was Institutional Investor’s No. 1 ranked analyst for technology hardware in 2020.

“We are buyers of any near-term AAPL share price weakness due to iPhone supply chain disruption because AAPL is likely to receive more supply than competitors, demand isn’t perishable, and our FY22 estimates are unlikely to change materially even if revenue and EPS shift across quarters,” according to the note.

Given Apple’s size and position as a market leader, supply chain issues should affect it less than competitors, according to Huberty.

“Apple’s significant revenue outperformance – a 7% increase over consensus forecasts YTD – is consistent with our supplier checks, which show that Apple is given preferential treatment during periods of supply tightness.” As a result, if Apple is unable to meet near-term demand, the shortfall at competitors is likely to be even greater, creating an opportunity for share gains,” according to the note.

Apple’s stock has underperformed in 2021, rising by less than 7%. In addition, the stock has dropped 6.8 percent since the end of August.

Morgan Stanley rates Apple as overweight, with a $168 price target. The target is 18.7 percent higher than the stock’s closing price on Tuesday.

Plug Power (PLUG) the hydrogen stock

Plug Power (PLUG) the hydrogen stock
Source: Getty Images

Analyst Stephen Byrd raised Plug Power from equal weight to overweight in a note to clients on Wednesday, stating that hydrogen power was poised to be an important part of the transition to clean energy.

“With the announcement of several strategic partnerships, $4 billion in cash and cash equivalents on its balance sheet, accelerating revenue growth, and the potential for significant upside from legislative support,” the note said.

Plug Power’s stock rose dramatically in 2020 as investors flocked to clean energy plays, but the stock has given back some of those gains this year.

Morgan Stanley expects several key updates and announcements at the company’s investor day on Thursday, which could boost the stock.

“Given the impact that large customer announcements can have on revenue guidance, we believe that an increase in revenue guidance of $200-$600 million for 2024 is not an unreasonable expectation.” As a result, we are increasing our revenue forecast for 2024 by $300 million to $2 billion,” according to the note.

Plug Power’s stock jumped 6.8 percent in premarket trading following the upgrade.

SoFi promoted at overweight

SoFi promoted at overweight
Source: Getty Images

SoFi was initiated with an overweight rating by analyst Betsy Graseck. Since the company went public last year, the stock has been volatile, with shares dropping roughly 30% since their peak in mid-June.

Morgan Stanley, on the other hand, stated that one of SoFi’s major business lines should see an increase in 2022.

“Student loan refinancing has been put on hold since the US government administration deferred federal student loans in March 2020.” Why refinance into a lower rate when you don’t have to pay anything and only accrue interest on your federal loan during deferment? “This all changes in February 2022,” the firm said in a note to clients on Monday.

According to Morgan Stanley, SoFi is also the market leader among financial technology companies.

“Competition among challenger FinTechs for Gen Y & Z is increasing, but SOFI has a leg up given its roots in the most difficult part of consumer finance, lending, along with a robust digital offering,” according to the note.

Bank of America favourite tech stocks

Bank of America favourite tech stocks
Source: Getty Images

Earnings season began this week, and analysts anticipate another strong set of results. According to FactSet, third-quarter profits are expected to have increased 27.6 percent year on year. This would be the third-highest rate of growth since 2010.

According to Bank of America, this is the “make-or-break” quarter for guidance. According to the company, it is critical to understand what to own and what to avoid.

The firm combed through its buy-rated S&P 500 stocks to find the names that its analysts believe will outperform the market.

Bank of America’s earnings and sales estimates for these stocks are higher than the market’s. Each stock was given an earnings per share and sales Z-score, which represents the number of standard deviations that Bank of America analysts believe are above consensus.

Last quarter, all of the listed stocks outperformed in terms of earnings per share and sales.

Take a look at this list:

Energy stocks have been performing well as oil prices continue to rise. Exxon Mobil and Occidental Petroleum are two energy companies that made Bank of America’s list. Occidental is expected to release its earnings on November 4, while Exxon is expected to release its earnings on October 29.

Morgan Stanley is the only major American bank on the list. On Thursday, the financial firm will release its quarterly results. Discover Financial was also included on the list compiled by Bank of America.

The Wall Street firm anticipates that social media behemoth Facebook will outperform consensus estimates. Facebook shares have recently declined as a result of an app outage and a whistleblower report. The tech behemoth reports earnings on October 25.

NetApp, which reports earnings in November, is the other technology company on the list that is expected to outperform Wall Street this earnings season.

Bank of America’s list also included Thermo Fisher, Honeywell International, Quest Diagnostics, and Raytheon Technologies.

Dividend stocks for stability

Dividend stocks for stability
Source: Getty Images

According to Credit Suisse, stock prices are 27 percent higher than pre-pandemic highs and 93 percent higher than post-pandemic lows. However, the firm noted that the S&P 500 dividend yield has fallen to 1.3 percent from 1.8 percent prior to the pandemic. This is significantly lower than the 1.58 percent yield on a 10-year Treasury note.

This is because, while stock prices have risen, dividends have not kept pace, with companies hesitant to increase payouts due to the pandemic’s uncertainty. As a result, dividend investors face a low-income environment.

However, for income investors, there are still options available. Analysts compiled a list of stocks with relatively high dividend yields and long-term stability. The list is dominated by financial institutions. General Dynamics is another defense company, and Snap-On is a tool company.

Analysts first screened S&P Capital IQ Pro data for stocks with a dividend yield of more than 2%, then narrowed the list to those with dividend payout ratios in the S&P 500’s bottom quartile. The payout ratio indicates how much of a company’s earnings are distributed in the form of dividends.

Analysts narrowed its search for stable companies even further by selecting only stocks with the highest tier of credit ratings from Standard & Poor’s. In terms of total return, each stock on this list outperforms the market.

JPMorgan Chase, State Street, and Bank of New York Mellon are among the companies on the list, as are insurance titans MetLife, Aflac, and Allstate. JPMorgan Chase is set to report quarterly earnings before the market opens on Wednesday.

A lower payout ratio typically indicates that a company can pay out dividends while still reinvesting the majority of its earnings in operations. A higher ratio may indicate less stability, implying that the company spends a large portion of its earnings on dividend payouts and has less to reinvest in the business or cover future dividends.

Aflac has the next lowest payout ratio on the list, which is around 21%. Year-to-date returns for Allstate and Aflac are 18.6 percent and 24.8 percent, respectively.

MetLife has the highest dividend yield — 2.95 percent — as well as the highest year-to-date stock return — 42 percent.

Snap-On, which manufactures tools and equipment for the automotive industry, is at the bottom of the list. As vehicle manufacturers look to innovate and integrate technological upgrades over the next few years, the company may be well positioned for strong earnings.

General Dynamics, which manufactures business jets and combat vehicles, was also included on the list. It anticipates a rebound in demand for the former as the economy continues to improve. The company recently received nine-figure contracts from the United States Army and Navy.

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Earnviews: Effective Instagram Content Marketing Strategies For Increased Benefits



Who would have guessed that a photo-sharing social networking site would have such a significant influence on the corporate planet? For excellent purposes, we now have companies that are entirely focused on Instagram. Instagram surpassed one billion monthly active users in 2018, and it is projected to keep growing. Brands that can capitalize on new developments will be successful in the coming year. You, too, may profit from Instagram’s strength if you employ the correct strategies. When it relates to Instagram effectiveness, having an Instagram content plan may create all the impact. Possessing an Instagram content plan can help prioritize and ensure that you have clearly defined your objectives. The content marketing techniques listed below will show you how to use this network as an advertising medium.      

Utilize The Concepts Of Storytelling

Stories may be told through photographs and films. It is a great way to get people interested in your items. Stories may assist you in engaging with your followers by injecting feelings into your postings. Individuals are more likely to believe in a company and complete a buy if they have been personally stirred. Share a tale about your coworkers, your company, the growth of your idea, or whatever else occurs immediately to thoughts. Upload an old photo of oneself from the outset of the business, for instance, and explain to them how it all began. Another intriguing option is to dedicate every week’s posting to a unique person in the group. Post a photo of them with a description of who they are, what they represent to your organization and any interesting facts about them. It will be a hit with your crowd. If you are using the Instagram story option, you can also buy Instagram story views to enhance your reach and performance.

Utilize User-Generated Material To Your Advantage

Customers believe in other customers more than advertisements. Regrettably, in terms of selling, corporations frequently misrepresent or conceal the facts. That is why social evidence is so substantial. On your page, include client comments and ratings. Better yet, go out to happy consumers and inquire if they would be ready to provide a photo of themselves using your product. Republish those images to demonstrate to other consumers that your business is well-liked. Such posts will help your company appear approachable and willing to communicate with customers. Are you searching for the best affordable Instgaram service provider? Then you can approach Earnviews.

Consistency Is Key

Instagram has a vast amount of information. Publish a few instances a day if you wish your content to appear in people’s feeds. If this is not possible, considering the structure of your organization, make an effort to publish at least once per day. It is an essential element of your plan since your fans will miss your thoughts if you are not diligent about publishing. Although stability is crucial, you will have little influence if you continue to post identical or related material. Ensure to provide a variety of content formats such as images, videos, stories, and streams to keep your audience engaged. There are many platforms like Earnviews which work hard to help you generate more consistency. 

Make Posts Shoppable By Tagging Items

Enable your followers to purchase items instantly from Instagram. You will improve your consumers’ purchasing experience by doing so. If they believe the purchasing procedure will require a long time, certain users may lose all interest. That is why you will want to include shoppable content in your postings. The process of setting up Instagram shopping is relatively easy. Follow Facebook’s instructions. Individuals have an incredible ability to desire anything as quickly as they see it. You risk losing a consumer if you don’t act soon enough. That is why marketers benefit greatly from shoppable articles. 

Wrapping Up

There is no surprise your Instagram performance will enhance now that you have learned these content marketing tactics. As you can see, each of these suggestions is simple to implement and has incredible benefits. All you have to do now is put specific time and effort into the procedure and witness your company develop.

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Top 5 moving services in Calgary:



What does a movers do?  

Movers assist people take or moving things from one place to another through their physical strength. They work manually to assist their clients in business or homes. Among the section, they do include preparation, loading or unloading of items or products. They are also significant as material movers and hand laborers.  

  • Top movers in Calgary:  

Finding the best movers is very difficult or time-consuming task in these days. No one have plenty of time, because everyone is busy in their daily schedules. But we research the  several movers in Calgary, so you can focus on your move.  

Here is the list of top movers in Calgary after examining the several criteria as review, online presence, physical presence and others. 

1. Matco Calgary Movers:  

Top listed moving company is Matco Calgary movers, they provide services including local, global and commercial moves. They also provide packaging services internationally. They are the only movers which appear fully prepared and experienced to trade with international movers. They have their own team and are in contact with international movers.  

Pros of Matco Calgary Movers:  

Here are some pros of Matco Calgary mover.  

  • Active on social media o Well-known in the community o Own storage stockroom 
  • Provide international full moving services o Team of custom and brokerage officers o Own physical office 

• Service offered by Matco Calgary Movers:  

Local moving Yes Global moving Yes Long distance moving Yes 
Packing service Yes Storage service Yes Insurance Yes 
International moving  Yes Office moving Yes Specific moving Yes 

With good reviews and physical office, they are safe choice when you need authentic movers. Overall they are highly recommend movers.  

2. Calgary Pro Movers Inc.:  

Calgary Pro Movers provide worth moving services but make no mention of long distance moving on their official website. They don’t have physical office, but have high quantity of good Google reviews.  

  • Pros of Calgary Pro Movers:  

Some pros of Calgary Pro Movers are below:  

o High rated Google reviews o Provide standard services like home, office, packing etc.  

  • Services provide by Calgary Pro Movers Inc:  
Local moving Yes International moving Unsure Long distance moving Unsure 
Storage service Yes Packing service Yes Office moving Yes 
Insurance Yes Specialty moving Unsure Reliable Yes 

These Movers also have excellent Google reviews, which make them good choice. 

3. Sparta Movers:  

Sparta Movers is relatively new movers in Calgary opened in 2016. They have positive feedback on social media. Thru don’t have physical office. Although, they make no mention of long distance moving on their website.  

  • Pros of Sparta Movers:  

Here are some pros of Sparta Movers:  

  • Active on social media o Provide standard moving services 
  • High rated Google reviews 
  • Services provide by Sparta Movers:  
Local moving Yes Global moving Unsure Office moving Yes 
Packing service Yes Storage service Yes Insurance Yes 
Long distance moving Unsure Specialty moving Unsure Mobility Yes 

4. Two small men:  

Another new mover in Calgary though they own several branches in Canada. They are also famous in other cities. They have 2nd highest Google reviews in our list. They provide standard moving services.  

  • Pros of Two small men:  

Here are some pros of two small moving:  

  • Highest Google reviews o Active on social media o Multiple branches in Canada o Insured 
  • Provide standard moving services o Active responding 
  • Services provide by Two small men:  
Local moving Yes International moving Unsure  Long distance moving Yes 
Packing service Yes Storage service Yes Office moving Yes 
Insurance Yes Specialty moving Unsure Mobility Yes 

Although these movers has good google review, they can be a good choice for you.  

5. Premier Van Lines:  

These are one of the oldest movers in Calgary and Canada. They have multiple branches in big cities of Canada.  They have own physical office.  

Pros of Premier Van Lines:  

Some pros of Premier Van Lines are as follow:  

o Highly rated o Has physical office o Active responding o Multiple branches o Provide standard moving services o Active on social media 

    •     Services provide by Premiere Van Lines:  

Local moving Yes  Long distance moving Yes International moving Yes 
Packing service Yes Storage service Yes Office service Yes 
Insurance Yes Specialty moving Yes Mobility Yes 

Hence, they are good choice if you need mover that is reliable. 

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