Five Common Ways To Fund A Small Business Beyond Personal Savings

Laveta Brigham

One of the most cliched statements in starting a small business is that “it takes money to make money”… but it is often true. Many businesses need an infusion of cash to buy essential components of their operations. For a pizzeria, that could be an industrial oven, and for a yard care business, that could be a commercial lawn mower.

A common funding practice many new business owners take is to use personal savings and start small by reinvesting profits into the business. This approach, known as bootstrapping, seems rooted in common sense, but can be restrictive to your business’ growth and personal finances. If your business needs a large infusion of capital, you don’t necessarily have to go it alone and shouldn’t if it jeopardizes your financial security.

There are a number of funding sources available to new and established businesses beyond your personal savings.

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How affiliate marketing may change in future as tech continues to advance

Laveta Brigham

Technology is ever-changing, and it is introducing some incredible advancements to our world. However, for every step forward that technology is making, affiliate marketing is taking a leap too. Here are some of the ways we could see affiliate marketing change in the future as digital technology and AI opportunities continue to expand.

Zero click marketing & visual search

There are a lot of advancements taking place with technology in this area of digital. With the advent of new technology, smarter phones and voice-activated searching now readily available this is impacting the way we look for and consume content and product information online.

It is thought that over 50% of Google searches are already zero-click searches, so affiliates and brand marketing strategies will need to be adjusted to meet these customer preferences. The same applies to the rise of visual searches. People are no longer just using keywords to find

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Tips to make meetings more diverse, equitable, and inclusive

Laveta Brigham

We all enter into meetings carrying the history of our past experiences with this group, this topic, this format, this setting. Our personal feelings, institutional hierarchy, race dynamics, sexism, ableism, and all other manifestations of power and privilege make their way into our work gatherings. When we default to letting our meetings run themselves, we fall into the trap of maintaining the status quo, which favors the dominant “norm,” (usually white, male, cis-gendered, heteronormative, etc).

While making changes to the way you run your meeting will not magically enable you to reach your DEI goals, you will have a much harder time achieving those goals if you do not take some time to think about—and adjust—how you meet.

Here are a few places to start.

Open with spaciousness

Before jumping into your agenda, take a few minutes to get grounded. This could mean holding a moment of silence to acknowledge

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Amazon starts offering virtual classes and sightseeing tours via new Explore platform

Laveta Brigham

Amazon has launched Explore, a new platform which it promises will let you “explore anything from lessons to landmarks.” It works via a video stream, with tour guides, instructors, and personal shoppers providing one-on-one sessions. Amazon says the video is one-way, meaning only the host is on camera during the virtual experience, but the audio is two-way so you can ask questions and make requests.

The Explore page provides an idea of the range of experiences on offer. These include relatively cheap sessions like a $10, 40-minute virtual shopping experience in Ridgeland, USA, to a 45-minute virtual tour of a mansion in Lima, Peru for $70, or a $129 bagel cooking class. In some cases Amazon lists ingredients and supplies to buy before a session, but it says that these are optional if you just want to watch along from home. TechCrunch reports there are a total of 86 experiences

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Muskegon teachers lead K-8 bike club to promote fitness during online learning

Laveta Brigham

MUSKEGON, MI – Muskegon Public Schools is finding new ways to bring physical education to students while the district is online-only because of the ongoing coronavirus pandemic.

The district’s physical education teachers, with the help of local law enforcement, are leading a new bike riding club for K-8 students to ride safely through the Muskegon community. The daily program, which launched last week, begins and ends at one of the district’s four elementary schools Monday through Thursday.

“Our students love to be active,” said Jennifer Hammond, the district’s director of curriculum. “We often are confined by the four walls of the gymnasium for P.E., so this is just a lifelong skill of learning to love bike riding and knowing how to do it safely.”

Muskegon Public Schools started the school year online-only Aug. 26 in an effort to curb the spread of COVID-19. But the district has found unique ways

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Self- regulation of the internet must come to an end through an online harms law that delivers meaningful and lasting change

Laveta Brigham

There is no greater priority for the NSPCC than making sure our children are safe from abuse online. Children are being groomed at scale on social networks, child abuse images are being freely produced but not consistently taken down and vulnerable young people are being exposed to highly disturbing content that promotes or glorifies self-harm and suicide. Traumatised families are left to try and pick up the pieces.

This is a crucial moment.

Ministers are expected to set out plans for an Online Harms Bill within weeks and we will find out whether the Government is committed to delivering a bold and ambitious piece of legislation that sets the global standard for protecting children, or whether its proposals will fall short.

Since 2017 we have been campaigning for the Government to bring an end to self- regulation. It has failed, because for far too long, tech platforms have considered children’s

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How to get a $20,000 personal loan

Laveta Brigham

A variety of loan options are available, but your credit score is a deciding factor. (iStock)

If you need to borrow $20,000 to consolidate debt, complete a home improvement project, pay medical bills or beyond, you can likely take out a personal loan from a bank, credit union or online lender. Depending on your financial situation (i.e. if you have bad credit or no income), your personal loan options may be limited or too expensive to be worth it.

To determine where you stand, research loan options that are currently available by using an online marketplace such as Credible. Credible can show you loan rates from 4.99% APR in just two minutes without affecting your credit score. All you have to do is enter your desired $20,000 personal loan amount into their free comparison tool.

After crunching the numbers, you’ll need to know how to get a $20,000

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NAB to give businesses access to real-time analytics

National Australia Bank (NAB) has announced it has partnered with cloud-based platform Pollinate to provide small businesses access to real-time sales analytics to help them better manage their businesses.

Through Pollinate, businesses will be able to view their sales data, track average transaction value, compare day periods, and filter by payment type.

“Real-time data that delivers greater insights into what customers want, when and how they want it, can be transformative to a small business,” NAB group executive business and private banking Andrew Irvine said.

“Leveraging Pollinate’s platform, NAB will give businesses the information they need to make decisions about their daily sales at their fingertips.”

Pollinate, which NAB will also be a minority investor in, is scheduled to be rolled out across its customer network next year, following a pilot that will run in March.

Read more: How NAB is taking Australia’s skills shortage into its own hands (TechRepublic)

Read More Has Quietly Raised $50M to Make Advertising Personal and Data Private is a platform that pays users in ASK tokens for engaging with, or even looking at, ads. Built on a fork of the Ethereum blockchain, the Permission platform incentivizes users to grant advertisers and other merchant participants access to their time and data in a peer-to-peer way. 

Over the past 12 months, the startup has raised $5 million through a token pre-sale, and recently closed another round of funding that put the company at $47 million raised through equity financing. And since the platform came out of beta a few weeks ago, it has over 450,000 users, according to the company. 

“Our model is all about advertisers being able to pay individuals directly through crypto, where advertisers’ return on their investment will go up dramatically,” said Permission CEO Charlie Silver. “Everybody’s happy and everybody wins. The user is now being compensated for what typically, today, companies like Google and

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Attack ads that criticize Trump personally may drive voters away: Report

Political ads that attack President Trump’s personality and character, instead of being policy-focused or hopeful, are ineffective and possibly counterproductive by driving away undecided voters, new research from the group Fellow Americans finds.

Fellow Americans is a nonprofit organization created by Obama administration alums and other Democratic activists that produces “content proven to move voters and make change.”

The group tries to optimize ads to persuade voters with hopeful messages instead of the nasty personal attacks.


Fellow Americans partnered with a firm called Swayable, which showed ads to specific demographics then surveyed them, and found that a quarter of the ads Democrats ran in 2016 were counterproductive.

“You can ask people really foundational questions like, ‘Are you more or less likely to support Donald Trump?’ And over thousands of repetitions, you can start learning really interesting stuff that you couldn’t get

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