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Data Is The Key To Making Better Lending Decisions For Small Businesses.

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Clive Humby, a British mathematician and Tesco marketing guru, “Data were now the new oil”. Data has been at the center of a lot of discussions. It’s about how marketers can utilize it, how businesses can use it to make decisions, how consumers can offer it for free, and the best way to secure it. Enterprises have suffered substantial losses as a result of the way data is shared and also how users have access to their data.

Access to information is essential for owners of small-scale businesses. They need to manage their businesses effectively, from hiring staff to setting up plans for staffing to purchasing stock. Small companies also require data partners to help expand and secure their future. A vendor could look at a business’s history and recognize specific patterns-when they need a line of credit, acceleration of payment, or additional supplies-anticipating a business’s needs in advance.

Financial institutions should also be able to access additional information when a small business applies for a loan. Each company is unique. Not all companies in the same industry share the same characteristics. They may have additional cash flows, seasonal sales cycles, and patterns. Every loan application is unique because every company is different. Information about bank accounts and credit scores on their own won’t tell the complete story of the health of a business, its financial situation, or whether it’s in a crisis.

Let’s suppose you own an established landscaping business in a warm climate. The company’s dependence on the seasons and weather means it can only operate at specific times of the year, from spring to fall. Cash flow may be a problem in the winter times. Owners may require working capital to pay staff on payroll, finance vehicle maintenance, or other operational expenses. The business owner might not be qualified to borrow in winter when funds are unavailable, or vehicle maintenance is more straightforward. If the customer pays their bills regularly, the loan might be granted to cover more than the amount needed in warmer seasons.

The bank statements could reveal that the revenue fell as the temperature dropped. Underwriters might consider this a sign of lousy business health as they may not know about the situation. This could lead to an inability to fund owners to access the capital they need in the event they require it. This could put the business at risk, resulting in it losing customers or shutting down.

This could be avoided if you have access to more information than just your bank statements. It is possible to use the IRS Accessibility API can be utilized by financial institutions to understand their customers better, as I’ve stated. The API permits service providers to provide any information the federal government might require. This API can provide insight into tax returns from the past to verify data and aid in the process of making decisions.

Open Banking, also known as Open Bank Data, is an economic practice that gives third-party financial services providers access to financial information. This includes information about consumers’ financial transactions and banking data provided by financial institutions. While this could alter the banking industry, there’s one certainty: It will give you more information to make loans.

The open banking model and the other data sharing for small businesses techniques will enable customers to find solutions that meet their needs in terms of capital. This will also result in a more competitive customer environment, leading to more significant innovation, better access to capital,

Innovation is essential to the financial industry’s ability to provide the best service to its present and future customers precisely when it comes to lending decisions. In everyone’s interest to share accurate information, including merchants, financial institutions, and customers. This will help make better loan decisions and increase the market’s appeal. The ecosystem should facilitate the exchange of data between the various parties in a way that protects customer data and provides the capacity to support the entire market.

 

 

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WHY SHOULD BUSINESSES HIRE AN ANIMATION COMPANY?

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Modern-day businesses, these days, are becoming forward-thinkers! They use animation as an essential video marketing tool. There are big reasons why they are making it a common practice. Animation is powerful and emotion-catching. Moreover, it’s cheaper to hire an animation service provider. There are various types of video marketing, but focusing solely on the importance of animation videos is a waste of time. So, in this article, we will make you learn the importance of animation and why you should hire an animation studio.

Why Should You Choose an Animation Company for Your Business?

If you are wondering why I can’t do it myself, then it is because an animation company can do its best because they have it all, like expert designers and animators, work experience, skill sets, ideas, and more.

Here is what an animation studio can offer your business:

  • They will listen to your ideas and then share their expert advice and creative ideas to achieve the best outcome.
  • Animation studios do not charge up-front costs for the editing software used in the creation of a video.
  • They understand your brand and can create something that would be the essence of your brand.

So, if you want to enjoy all the perks, hiring a reputable and trusted animation studio like Glowza Digital is what your business needs.

Moreover, when you use animation in the marketing of your brand, it will automatically boost your business’s search engine optimization ranking and bring organic traffic and higher engagement to the video content.

According to the latest statistics, it has been examined that those websites that have creative videos on their landing pages get increased conversions by a ratio of 80%. Now, do you see why animation is becoming so popular worldwide?

Why Are Animation Videos Becoming Popular?

Using video marketing and combining it with the beauty of animation is the perfect marriage. There are several options to pick from to add animation to:

  • Explainer videos are great when you want to convert complex ideas into easy and engaging topics. It’s more like whiteboard animation. Two examples are “IT Solutions” and “Explaining the Workings of Software.” They are both fun and engaging topics. It’s more like whiteboard animation. Two examples are “IT Solutions” and “Explaining the Workings of Software.”
  • Create teasers with it.
  • Growth videos for companies: The best way to use animation is to use it to make growth videos to bring life to the company’s timeline. Examples are: making animated videos to promote brand awareness, what your brand offers, discount prices, customer reviews, etc.
  • If you are a startup video and you want to interact with your demographic audience, use animation to make a 2D cartoon animation.

So, there are endless possibilities! They can be used in any form of video. If you hire a professional and skilled animation company like Glowza Digital, it would help you navigate through what styles, tools, and storyboards should work best for different things related to marketing. Isn’t it fun?

Let’s have a look at how animation services help in the growth of your brand.

Personalize your brand.

One of the greatest things animation services can do for your brand is humanized it, give it life, and help it grow, expand, and reach a wider demographic audience than you could have imagined.

The animation could be 2D or 3D, and both of these types fit into your brand story. It means no matter what strategy you choose for your brand’s marketing. One thing is for sure, and that is the complete control of customization and creativity. From style to storyboard, and character to element, everything gets in place when you choose the right frame, story, and colors for your animated video.

And, in this part, only a professional and experienced animation service provider agency could help you achieve and capture that perfect essence. Remember, you need to make something that becomes a perfect fit for your brand guidelines.

If you have seen some popular animation videos representing a brand. They usually have a character that looks like an avatar. That is the vital element of the video. Because it plays the role of the savior and offers solutions to problems. So, in animated videos, the key decision is all yours, in terms of visuals, characters, and elements.

Brand Engagement

An animation service allows you to sell your company’s products or services in a more appealing way. There is a lot more appealing factor in an animated video that sells a product than a static image defining the discount code and benefits of a product.

From the point of view of a viewer, when one sees a video that has both audio and visuals. Which gives a core message on how the product or service benefits the user and why they should buy the product. It becomes easy to digest the message and increases the chances of a call to action.

In a Nutshell

An animation studio is better than doing everything on your own. It saves your time, energy, and mind. Moreover, you get new ideas on how to share your product information using next-level animation videos.

 

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Diablo 2 Resurrected Paladin Leveling Guide

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The Paladin in Diablo 2 Resurrected uses auras to buff his defence and improve his attacks. In this Diablo 2 Resurrected Paladin Leveling guide, we’ll show you how to get to Level 75 as a Paladin as soon as possible.

Diablo 2 Resurrected Paladin Leveling

There are many stages and quantities of Paladin. We’ll be making choices and choosing skills according to that particular to produce effective Paladin Builds that may breeze past most of the early chapters of the overall game and last towards the end game.

Level 1-18

We will go level 1 into Might from offensive Aura for our skills. Level 2 into sacrifice, sacrifice attacks rip off your Life, so keep an eye on your lifetime globe while using it. We’ll add the next 3-5 levels in Resist Fire.

Start upgrading Holy Fire until we reach level 12. Zeal unlocks at level 12; we shall place just one point in Zeal.

A fascinating fact about Zeal is that it locks the player, and he cannot move until Paladin executes every one of his hits, even when there is nothing in range of the attack. That’s partly why we’ll avoid investing an excessive amount into Zeal.

Keep boosting your Holy Fire until level 18.

Level 18-75

Only at that level we’ll go execute a re-spec. Just click the cross button to unassign all the skill points. Give one point each to Prayer, Cleansing, Defiance, Vigor, Might, Blessed Aim, Holy Bolt, Smite, and Charge.

Here our main focus is on using Blessed Hammer. We’ll be topping it around the max. Afterwards, add every point to Blessed Hammer even as we level up. This may make Paladin a powerful damage dealer.

After filling Blessed Hammer with 20 skill points, shift your focus on Vigor and Concentration. Continue distributing points equally among these two. Keep achieving this until they get 20 skill points each.

Whenever you fight enemies, activate your Concentration Aura and switch your left-click to Blessed Hammer. Get yourself acquainted with Blessed Hammer’s travel pattern. Blessed hammer does take time to master.

You can invest the rest of your points in Holy Shield and Staff Teleportation. Put it to use along with Blessed Hammer to create a lethal combination.

Stats Distribution

You can find four different attributes to invest your stat points. Let’s start with Strengthstrength. We need strength stat points to equip relevant levelling gear.

We suggest you invest around 60 points in Strengthstrength. Energy is the smallest amount of importance so add only 20 points.

Next in line is Dexterity. Just throw some points in Dexterity to help you equip levelling gear. Do not invest much inside before you get Holy Shield. You can always steal points from levelling down others and top up Dexterity to max points for better defence later.

Vitality is the most important attribute. Just add the rest of the points to it. Paladin has to cope with a lot of damage so having maximum health is important.

Best Gear for Paladins in D2 Resurrected

Weapon

Let’s start with the main weapon. Grief Sword is a good option as Paladin’s weapon. It’s good stats and causes around 400 damage. Breath of the dying and Death (Axe, Sword) are also good options that can be used.

Shield

Finding a good shield is a must. Exile Shield not just gives a good block rate (30% faster block rate) but also comes with nice Paladin-specific bonuses. It adds to your extra defensive abilities.

Helmet

You can add a helmet to your equipment to get some extra defence. Guillaume’s Face Winged Helm is a good option.

Body Armor

When it comes to body armour, we recommend Fortitude. It is a wonderful defensive body armour with high extra Life, defence, and decent resists.

Boots/Gloves/Belt/Rings

You can get any boots, gloves, belt and rings. Start to see the stats and decide for yourself. They do not have much impact but can boost your blows, defence, speed, etc.,

Amulet

In the Amulet section, Highlord’s Wrath is a good choice. It gives extra attack speed and adds +1 to all skills.

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The Best Shared Calendar Apps for Your Business

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If you need an application for scheduling your company, look at these useful solutions.

A calendar shared with others is user-friendly and should include simple scheduling and collaboration tools, including sharing, auto-sync, sharing and cross-platform support.

The best-shared calendar apps are Asana, Calendly, Google Calendar, Microsoft Outlook, Teamup, iCloud and Thunderbird.

Shared calendars are a great way to organize your team’s meetings’ presence and attendance, promote transparency, simplify the management of tasks, and enhance your work-life balance.

This article is intended for small-sized entrepreneurs and managers searching for apps sharing calendars.

The business world constantly seeks technologies that increase productivity, boost efficiency, and help teams work together. Calendar applications are an excellent technology that can improve communication and help get your team members on the same team. Although smartphones and computers often come with built-in calendars,, third-party calendar apps provide advanced features that help manage tasks, automate scheduling, and many more. We’ll outline the key features to look for when choosing a calendar application and provide seven top calendar apps.

Which features are important to search for in a calendar sharing application?

If you’re looking into shared business calendar applications, be sure to look for these options:

  • User-friendliness. Shared calendar applications must be easy to use and simple, with minimal maintenance and navigation. They must also make collaboration easy and simple.
  • Simple tools for scheduling. The primary purpose of a shared calendar is to keep track of all employees’ schedules. Therefore the process of scheduling should be straightforward. For instance, you should look for features that let you see your coworkers’ availability in one glance. Other helpful tools include customizing features, availability of multiple calendars and location and time-based reminders.
  • Sharing and collaboration features. You should look for features that allow you to share events, availability, invitations, and calendars with your team. You’ll also need to work together on calendars, events, and even documents or projects accessible through the application.
  • Automated sync. Automatic syncing is an efficient tool to save time. Ideally, the shared calendar updates will connect to your account as well as those of others who are involved. Some calendar applications offer automatic syncing and integration with other applications.
  • Cross-platform availability. It is not always the case that everyone uses the same platform, so having cross-platform support is an enormous benefit. It reduces the requirement for multiple apps on different platforms while keeping everyone in the same place regardless of their device.

7 top calendar apps for sharing with others

If you’re looking for an app for your calendar that you can use across the entire organization, look into these seven choices. These apps have useful features, and business people from various industries highly recommend these apps.

Asana

Asana is much more than a shared calendar program. It is also a simple way to manage group projects and tasks. The Timeline feature lets you see the entire project’s segments and how they are connected and also tracks the progress of each. Asana offers an app that can be downloaded on mobile devices and hundreds of integrations. There’s a free plan and paid plans with additional features.

“Asana isn’t just a simple calendar. … it’s an organizational resource plan with an integrated calendar feature as well as other tools for collaboration that we require,” said David Alexander. He is a designer, developer and digital marketing specialist at Mazepress. “The benefit of this method is having tasks management, communication, and reporting tools all in one interface. … Simply put, it’s among the tools that I wouldn’t be without.”

Calendar

Calendly offers an automatized scheduling system that integrates with your calendar to monitor your availability in real-time. It allows you to schedule meetings with no endless emails. Other features include buffering times between meetings and time zone detection and compatibility with other apps like Salesforce or GoTo Meeting. Learn more about these apps in our reviews of Salesforce as well as the GoTo Meeting review.]

“I use Calendly. I prefer setting my podcasts,” said Michelle Ngome, who is a consultant for marketing and marketing diversity that is fractional. “There are two versions: a free and paid version. The free version lets users set up a single category, and you can establish several categories by paying for the version. Additionally, you can modify the domain name.”

Some stated that her favourite feature is that Calendly integrates with Google Calendar, allowing her to make personal appointments with Google without updating her Calendly calendar. It also works seamlessly with Outlook, Office 365 and Apple’s iCloud calendar.

Google Calendar

Google Calendar can be described as an online calendar with integrated features specifically designed for teams. This calendar is seamlessly integrated with other Google products, such as Gmail, Drive, Contacts and Meet. It is accessible from tablets, computers as well as phones.

“I utilize my Google Calendar app to book all my appointments with clients,” said Ana Santos, the senior program manager for design at Talkdesk. “It’s ideal to use for video meetings as it integrates to Google [Meet] whenever we add a video conferencing option to the meeting.”

Santos The feature that Santos loves the most is Google Calendar’s capacity to sync your calendar across multiple devices and browsers when you’re logged into your Google account. Google account.

Microsoft Outlook

Microsoft Outlook is a well-known personal information manager application that offers calendar, and email functions, including scheduling, task management, and many more. If you’ve got a Microsoft Exchange, Office 365 or Outlook account, you’ll be able to connect your calendar to other users. You can also make additional calendars to meet specific needs or share the calendars with colleagues.

Team

Teamup offers calendars shared by groups to make it easier to organize, schedule and communications. Businesses can select between paid and free plans. Teamup offers a live demo and a 3-day trial period, so you can test whether the app is the right fit for your staff.

This application was designed to be specifically designed for group use. The calendars are simple to use, organized in colour, and can easily and safely be shared with team members using an encrypted URL.

“I searched for a long time for a great shared calendar to organize holidays and events for a team that spreads out individuals,” said Ben Taylor, the creator of homeworkingclub.com. “I decided to go with …” Teamup. It allowed me to establish several different categories for events and allow employees to import their selection of events into their software using ICS feeds. [Ithas] an application that works on iOS or Android.”

iCloud

iCloud isn’t only for storage. It also comes with an easy-to-use calendar which can be used seamlessly with every Apple device. This iCloud calendar app lets your team members set up meetings, share data and be in touch with each other easily. You can also change the calendar view to “Today” to see your current tasks and work in a single glance. The interface is simple and very similar to Google’s calendar, making it a popular option.

However, there’s a downside to this application: As with most Apple devices, this one doesn’t have some of the functionality available on devices that aren’t Apple. This app is a great choice for a team that utilizes Apple products.

Thunderbird Lightning Calendar

Thunderbird Lightning Calendar is one of the most efficient calendar programs available for Linux users, but it also has Windows and Mac capabilities. The display of Thunderbird includes tabs for emails, calendars and other activities, and users can easily switch between these tabs to stay in touch and organized throughout the day.

The calendar has various options, including a list of all your scheduled events for one day and the ability to search with time filters and preset categories for events. Lightning Calendar integrates seamlessly with Thunderbird and SeaMonkey email services.

Although it’s not the prettiest calendar application shared on the list, Thunderbird Lightning Calendar is an all-in-one tool that will ensure that you and your team stay in the right direction.

Benefits of using apps for shared calendars

Here are a few of the most important benefits of using shared calendar applications:

  • Improvements in meeting organization. The shared calendar view will reveal whether your team members have registered for any meetings for business for which you’ve invited them. If not, you’ll be able to contact them – usually using the app directly to obtain a definitive response. In this way, if you’re meeting with clients, you’ll be able to present a unified front with a bigger group and conduct an efficient video conference or in-person conference.
  • Knowing when team members are available will help you keep all accountable while keeping the boundaries. Calendars based on tasks can inform your employees what they need to do and when, as well as remind you of how you’ve divided the work of everyone. Employees can be available at their most productive hours, allowing managers to schedule important tasks when they are most likely to complete them.
  • A better work-life balance. Employees can mark themselves as not in the office using the calendar application when they’re not in the office. This will ensure that you and others in the company don’t reach them when trying to manage their time and work.
  • Delegation and task management. If you notice that the calendar of a particular employee is full, you’ll be able to delegate tasks to other employees. If all calendars are full and all tasks are allocated, it’s a sign that you’ve properly used your calendar.

Improve collaboration in the workplace and improve time management

The shared calendar applications enhance collaboration and manage time between teams and your business. Many smartphones and emails are equipped with these calendars. Therefore, it’s easy to begin and then continue using them. All the applications we’ve mentioned above are excellent choices with positive reviews from top business executives.

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