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SEO Expert Lance Bachmann on Entrepreneurship amidst the COVID-19 Crisis

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Entrepreneurship takes grit, whether it is in the easiest of times or the midst of a global crisis. It takes consistent hard work and dedication, which means that entrepreneurs are well-poised to handle the ups and downs of business that we are inevitably going to face due to the COVID-19 crisis. Undoubtedly these are unprecedented times, but if we continue to navigate these tumultuous waters with that same grit and determination, it took us to get our businesses off the ground we’ll weather the storms with our companies intact. No one believes this more than Lance Bachmann entrepreneur and president of 1SEO Digital Agency.

L​ance Bachmann founded 1SEO to help both large and small businesses increase their online visibility through search engine optimization (SEO), pay-per-click advertising, website design, digital marketing, and social media optimization. He intrinsically understands the digital needs of businesses, helping them succeed in an online marketplace. “As the COVID-19 crisis disrupts our usual way of doing business, we are forced to look at digital marketing as not merely a part of our strategy but a part of our survival,” explains Lance.

Innovation is Key

Entrepreneurs have been finding new and innovative ways to run their businesses and serve their clients through this shifting landscape, which has migrated many of our interactions onto online platforms. Physical contact might be limited, but the interactions are still the same. “Clients are expecting to see the same service they expect from your business but in a more accessible way, and that way right now is digital,” states Lance. “Entrepreneurs have to pivot. They have to be quick thinking to ride the wave of COVID-19, and with tenacity, they will.”

Robust Technology

“​This crisis came swiftly,” says Lance. “One minute, we were reading about an unknown virus spreading throughout the world, and the next minute our states and businesses were being systematically shut down. What this proved to a lot of us is something a lot of us already knew, we always have to be prepared.” That preparedness involves a robust digital technology as well as strategy so that businesses can continue to operate anytime and anywhere.

The Digital Curve

The COVID-19 crisis has proved that the future of business is digital, and entrepreneurs do not want to be left behind on the digital curve as our world rapidly changes. Headquartered in Bristol, PA, 1SEO has been strengthening the digital presence of businesses for over ten years. “We’ve seen a lot during our time in business, and COVID-19 has been pretty extreme,” explains Lance. “But with the right mindset and the right tools, businesses will come out of this crisis stronger than they went in. I have no doubt.”

The idea of Bigtime Daily landed this engineer cum journalist from a multi-national company to the digital avenue. Matthew brought life to this idea and rendered all that was necessary to create an interactive and attractive platform for the readers. Apart from managing the platform, he also contributes his expertise in business niche.

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Cobalt Advisors Complaints Already Starting For Debt Consolidation Loans

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Cobalt Partners: Can You Trust Them?

Cobalt Advisors and Credit 9 have joined Saxton Associates and Hornet Partners in flooding the market with debt consolidation and personal loan offers in the mail. The problem is that the terms and conditions are at the very least confusing, and possibly even suspect. The interest rates are so low that you would have to have near-perfect credit to be approved for one of their offers. Best 2020 Reviews, the personal finance review site, has been following Carina Advisors (also known as Corey Advisors, Pennon Partners, Jayhawk Advisors, Clay Advisors, Colony Associates, and Pine Advisors, etc.).

Consolidation loan occurs when someone decides to pay off several smaller loans with a single larger loan. You are lumping together all your payments into a single large payment. One of the benefits of the larger loan is a lower interest rate than smaller loans.

Moreover, the term on the larger loan is often longer which can lower the amount the person has to pay every month.

Most creditors offer consolidation as an easy solution for debt problems. While a consolidation loan can make it easier to control your debt because you only have a single payment to remember, it doesn’t address the main reasons why you got into the debt in the first place.

That being said, a consolidation debt is an efficient way to help you make short work of your debt and significantly improve your financial life. There are many kinds of consolidation loans for creditors to choose from. Make sure you select the right type of consideration loan for your particular financial situation.

Loan Consolidation for Students

Student loan consolidation is popular among students but it is important to have a college degree to qualify. The debtor can take all of their loans from previous years and consolidate them into a single loan. This will lock the interest rate to prevent it from rising over a long period of time. Moreover, student consolidation loans will stretch out over a longer time frame which will reduce the monthly payments, but it won’t save you from having to pay the interest.

Since you won’t be taking out any more student loans, this type of consolidation loan is a great option. Most people can only consolidate their federal loans, but this will make managing the loan much easier since they have to worry about a single payment every month.

If you want to learn more about the student consolidation loan, get in touch with the US Department of Education’s Direct Loan Program. These entities will help you consolidate the loan and lock in a fixed interest rate. You may even seek a payment forgiveness program. The consolidation must be done through the Direct Loan Program to qualify for repayment benefits.

Unsecured Consolidation Loans

Unsecured consolidation loans are unsecured loans that are offered by banks and credit unions. They are also known as signature loans. The interest rates on unsecured loans are lower than the credit card’s. Most people take out the loan for a certain period of time.

Despite its advantages, unsecured consolidation loans can offer a low-interest rate, but it may not be that great for many debtors. Moreover, it still doesn’t address the main reason why most people got into this problem in the first place: a spending problem.

Without addressing this issue first, you may ‘relapse’ and rack up more credit card refinancing vs debt consolidation, not to mention the fact that you still owe payments on the consolidation loan. If you decide to go this route, you should stop the use of your credit cards entirely.

You may have received unsecured consolidation loan offers in the mail. But it is searching in more credible sources to see if you can qualify for a better loan. Apply at your credit union ort local bank in addition to the offers in your mail. It is worth reading online reviews of the loan and the creditor offering the consolidation loan.

Home Equity Loan (aka Second Mortgage)

This type of consolidation is a home equity loan or a second mortgage. This gives people the option of borrowing against their property (or their home) and utilize this money to pay off their debts on credit cards that may have been accrued.

Because the loan is secured against the equity in the home, this option provides you with the lowest interest rates but also increases your risk of losing your property if you fail to make the payments on time. At the end of the day, most people end up going back into debt out of force of habit in just a few years’ time. Make sure to be weigh the pros and cons of this option before choosing it. 

If you are thinking about home equity loans, make sure to stop using your credit cards completely before you accrue further debt on them. It is worth your time to thoroughly research all the different banks and companies that offer home equity loans. As a general rule of thumb, you may qualify for lower interest rates if you go through your credit union or local bank. 

Is Consolidation Loan Going to Help Me Recover From Debt

While consolidation loan seems like a good option if you think about it, it is important to weigh all your options before signing up for it. As mentioned earlier in the article, most people are spendthrifts and end up back with crippling debt after having just paid their previous loan off. Using a consolidation loan requires discipline and access to a steady source of income.

This is a serious problem that can get even worse for you if you keep resorting to debt consolidation. In most cases, the best solution is to set up a personalized debt payment plan. This will help you identify your spending patterns and the complete breakdown of cash flow. A bird’s eye view of your finances will help you turn your finances around and get the best possible results.

If as a last resort, you do decide to go down the consolidation loan route, make sure to do your research into all the creditors near you. Whenever possible, look for ways to minimize the interest on your loan and secure the longest pay off time.  Your goal should be to lower the interest rate to help you quickly pay off the loan without a hitch. 

Finally, there are many budgeting apps that let you take full control of your budget. They provide insights into your spending and let you keep your money situation under control.

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