IntroductionIn the digital world of start-ups and online businesses – we also need someone to sell that business. And for that, we need people who specialize in marketing. But physically going to every house to sell the products and services the company provides is too much of a task, and there are chances you will not be able to get a lot of clients from that. Moreover, in the age of technology and social media, everyone spends their time on the internet. So to get many clients, you too should go to the internet and market your company. This is called digital marketing.Increasing demand of digital marketing expertsThe demand for marketing experts has seen impressive growth in the upcoming years. Everyone is hiring people who have the right skills for digital marketing or social media marketing. By learning digital marketing, you are learning management and organizational skills. This is, in fact, an additional skill that can get you into the marketing sector and enhance your marketing skills if you are already a working professional. It also is a creative career path that helps you get creative with various techniques in which you can sell the service or product of the business.Sub topics covered under digital marketingDigital marketing has various sub-topics that it covers. That is what makes it a pretty diverse and interesting subject or skill to learn. Some of these topics are – Website improvement (SEO), Search Engine Marketing (SEM), Content showcasing, Social media marketing, influencer advertising, etc. The best part is that anyone can do it. Really. You do not have to have a marketing background or in any related field. You can become a marketer with an engineering background or a medical one. There are intensive courses to make you one.Moreover, most of these people who do marketing are either students or want an in-demand side hustle. And who would not like to earn some extra cash? Even if you go full-time with marketing – this is one profession that is not going out of fashion anytime soon. So why not try this interesting and creative career? Even if it is just for some extra pocket money on the side, this fascinating career may want to make you go full-time. In this era of digitalization, marketing is just another diamond to be picked up and used to its fullest. Moreover, if you are looking for a career change into something fun, marketing is also for those people.Online or offline digital marketingSo you see what the benefits are and why marketing is a career option, you can consider going for full-time or part-time. But now the real question is – where will you do it from? Sure, there are many options and online classes available to learn from. But a special course like this is best learned physically, where you can watch, do, and learn. Without physical participation – learning a skill may take longer.Moreover, offline learning is more efficient when you need to grasp concepts faster because the same type of people surrounds you and are active in that course. And this is why we have brought to you one of the best marketing academy out there. It is a digital marketing institute in Janakpuri called 99 digital academy.

Like the saying goes, “The only things certain in life are death and taxes.” Unfortunately, small businesses know this saying all too well.Unlike employees who look forward to their refund every April, small businesses loath the approaching spring, knowing they will have to pay Uncle Sam its share of their profits. Each year, small businesses struggling to turn a profit in an increasingly competitive business environment must pay taxes in order to keep their doors open.With dwindling profit margins and tightened lending restrictions, however, many small business owners find themselves between a rock and a hard place when it comes time to pay the tax man. Although a business may have steady sales and revenue or thousands of dollars in inventory, banks and traditional lending institutions simply aren’t handing out small business loans like they were in year’s past, leaving small business owners with few funding options to pay their tax bill.Thankfully, peer-to-peer lending, or social lending, has solved this growing dilemma. These modern social lending marketplaces have connected millions of borrowers with individual investors. Borrowers receive low-interest, fixed-rate loans that can be paid off in two to five years, while investors are able to benefit from decent returns in an economy with sinking bond and savings rates.Thus, it’s a win-win situation for both small business owners in need of immediate funding and investors looking to make a small profit while helping others.From Desperation to Exultation: One Man’s Venture into Peer-to-Peer LendingJohn Mitchell is an Ohio-based small business owner who found himself in such a predicament just last year. As the owner of the only hardware store in a small town, John’s store flourished the first few years it was open.After getting his inventory levels, pricing models, and management just right, he decided to expand his business by opening a second location in a neighboring town. John sunk all of his profits into opening his new store, which meant he was short on funds come tax time. However, knowing the success of his business, he thought he would simply get a small loan from the bank that housed his accounts and provided him with the initial loan he used to launch his business four years earlier.Unfortunately, he witnessed first-hand the effect the recession has had on lending regulations as the banker he’s known for years denied his loan application. If he couldn’t get a loan there, where could he?On the brink of despair, John took to the Internet to research loan options. After digging through forums and trying a few different searches, he ran across peer-to-peer lending. In less than a week after going through the quick and easy application process, he received a personal loan at a low rate for the amount he needed. A week later, John sent a check for the full amount to the IRS, and less than eight months later, he was able to pay off the loan with the profits from his new store!If you are a small business owner who has found yourself in a similar circumstance, peer-to-peer lending can do the same for you as well, but how does peer-to-peer lending work?How Peer-to-Peer Lending WorksA breakthrough product or service emerges every generation, and in the early 2000′s, the emerging breakthrough was social networking. From helping in the organization of overthrowing political regimes to staying in touch with friends and family members, social networking has had a profound effect on our daily lives. Now, it’s changing the small business financing landscape as well.Peer-to-peer lending is a modern social networking solution for small businesses in search of a way of securing alternative funding. The goal of peer-to-peer lending sites, such as Prosper and Lending Club, is simply to connect individual investors with those in need of funding, and these sites are becoming an increasingly useful tool for small business owners who are unable to secure funding from traditional lenders.Rather than jumping through endless hoops only to be denied by a bank, small businesses can receive funding via peer-to-peer lending in no time at all by following three simple steps:Step 1: Create a Profile and Loan ListingThere are a myriad of peer-to-peer lending networks to choose from, so your first step is to research the best ones and create a profile and loan listing on the site you choose. The loan listing is essentially a cost-free ad that indicates the amount of money you need and your desired interest rate.Step 2: Let the Bidding Process BeginAfter your listing goes live, investors have the opportunity to begin bidding on your listing, providing you with the interest rate and loan amount they are willing to offer you. A major advantage of this bidding process is the fact that it can intensify as more and more lenders begin competing for your business.When this happens, interest rates will begin dropping, potentially allowing you to obtain a much lower interest rate than you expected. It’s important to note, however, that your credit score, income, and debt-to-income ratio plays a role in the lending decision process.Step 3: Funding and Paying Back the LoanAnother benefit of borrowing from peer-to-peer lenders is that you can accept several bids to receive your requested loan amount. For instance, if you ask for $10,000 in your loan listing to pay your business taxes, you can acquire the amount from collecting $2,000 from five different borrowers.This makes it much easier for borrowers to receive the money they need. However, instead of making five separate payments, you would only make one payment, because the peer-to-peer lending site is responsible for dispersing the money to lenders until loans are repaid in full. They simply charge a small fee for this service.With increased lending regulations, banks are tightening their purse strings more than ever before, making it much more difficult for small businesses to receive the funding they need to expand their business or even pay their taxes. Thankfully, peer-to-peer lending has proven to be a worthy competitor in the small business lending marketplace. If you are a small business owner and find yourself unable to pay your taxes as April approaches, or backed taxes for that matter, a peer-to-peer loan is an ideal option.