The essence of small business loans

The reality of using money to make money is not new in the world of commerce, regardless of the size of the business. And so if a prospective homeowner wants to open a store, there is a universal way for many people to get small business loans.

However, most of the time it is when potential new companies run into the bitter reality they find out that to make money, they must invest some finances in the company to make it work, in most cases, entrepreneurs only have one idea and nothing more.

This is quite true even in well-established corporations that need complicated tools, human power, and location of operation, among other needs. But even the smallest businesses, like a café, will require a significant capital investment before starting to see tangible results.

Small business loans

But what is your understanding of a small business loan? Are you aware of how it works? And do you know the ways to obtain funds to start your own business? To get the answers to these questions and more, scroll down.

The definition of a small business loan

When I did a Google search on "what a small business loan means," you will see different definitions, but there are some aspects that will stand out in all of those definitions. One is the owner, the money, and the lender.

Bottom line: A small business loan leads is a loan taken from a lender by an owner or a joint group to start a business or use it to expand an established small business. The value received is generally paid within the agreed time, along with the fees generated during that time.

A business is called small if the number of employees does not exceed 500. Therefore, if you are operating a business with fewer than 500 workers, that means it belongs to the small business class.

How to get small business loans

Obtaining a small business loan is the main obstacle for businesses due to the "unrealistic" obligations established by lending institutions, usually banks. However, obtaining external financing is a must when starting a startup, as it helps to grow it by covering daily costs.

While applying for and obtaining a small business loan turns out to be a nightmare for most beginners, if you do everything right, they'll have a better chance of getting approved. So, here is a step-by-step procedure on how to get small business loans:

1. Make your expectations clear about why you need the loan

Wherever you go to apply for small business loans, prospective financiers will be interested in how you will invest the amount in question. Therefore, you must be subjective from the beginning about the purpose for which you want the loan. The reasons will fall into the following categories.


To start a new company.

To meet daily costs.

To grow your business.

To reserve some cash for unforeseen incidents.

2. Know the ideal loan for you

After deciding why you want the income, you are now in a better position to learn about the type of business loan to apply for. If you are starting a new business, it will be difficult to receive a loan from the bank in the first year. When you apply, banks will ask you to provide evidence of cash flow so they know that you won't be in bad debt. As such, most finance companies disqualify startups from any kind of endorsement.

Now, since the first option has failed, you will have to resort to credit cards, small loans from SACCO credit, family, friends, unsecured credits, or crowdfunding.

However, if your business has been in business for more than a year, you can provide some necessary financial statements to lenders, such as cash flow. So you have many different financing options that you can choose from for invoice factoring, SBA credits, and business lines of credit, among others.

3. Choose an ideal type of lender

Many sites offer small business loans, such as online lenders, banks, and microfinance that are not designed for profit. Lenders make different types of lower-risk loans, as well as accounts receivable funds, the term of small business loans, etc.

Do you remember how you approached that showroom when you were purchasing your first car? Well, that's the way you should precisely look at trade credits. Once you come up with an option for a particular loan, compare it to other options. Loan terms and charges are the main things to be concerned about, so you should see them as the top benchmarks for comparison. At this point, you'll want to choose the lender that offers the lowest APR, but make sure it can handle the monthly payments on such loans.

You can use this business credit calculator to visualize the value of your monthly payments.

Consider banks when:

Have a good credit rating.

Don't require money quickly.

Applying for small business loans from conventional banks is not as easy as it sounds. The small business loan requirements set by these institutions can be daunting, and to make matters more difficult, there is no guarantee that you will receive the credit after going through this long and intimidating procedure. Banks generally evaluate many things, such as your ability to repay loans, your company's cash flow, and sales ability. However, these establishments can go further to request guarantees such as your home. All of these factors combined make it almost impossible to get a small business loan from banks. Even when approved, obtaining the funds is slow compared to other financing options. However,

MCA leads

Use non-profit microfinance institutions when:
You have been rejected for a bank loan since your start is small.

The goal of microlenders is not to create profit. They give small business loans of up to $ 35,000. However, they charge a higher annual percentage rate compared to that charged by banks. To obtain these credits, they can request a plan b from you, an explanation of what you will use the credit for, and, in addition, they can request financial reports. This makes the process somewhat longer.

While the numbers are not as large as what you would receive from conservative banks, they can be quite helpful for small businesses that cannot be owned by banks due to bad credit, lack of security, or less uptime.


Consider online lenders when:

You want the funds quickly.

You have no security assets.

You are starting a new company.

Online lenders offer lines of credit and business earnings ranging from $ 500 to $ 500,000. The APR for online creditors is impulsive, starting at 7.5% and going up to 110%. However, this ratio is determined by the financier you choose, the credit value, the term, and the taxpayer's credit rating, and whether or not collateral on the loan is desired.

However, online lenders are more likely to approve your loans, and their financing is faster compared to traditional banks. Expect to receive the applied amount within one day after submitting your request.

4. Pre-Approve Yourself - Be Eligible

To predict the outcome of your small business loan, there are important things to consider. First things first: evaluate your reasons in terms of creditworthiness. This is an important factor when it comes to determining your suitability for borrowing. You can get it back from these credit bureaus: TransUnion and Experian. By studying your credit report, you will discover how attractive it is for bankers to trust your finances.

In addition to credit evaluation, credit institutions will be interested in indicating the duration of their active operation. For a significant percentage of lenders to think of you, they require your business to be in business for more than twelve months. One year for online business loans and more than 2 years for regular banks to consider.

Most hobbyists will want to know how much your annual income is. Typically, they expect their business to raise between $ 55,000 and $ 250,000. Find out how much you earn and don't stop there. Know the demands of the lender you are working with.

You must be sure that the repayment of the loan is not difficult for you, but that you can pay it off comfortably. Assess your cash flow and establish a reasonable amount that you can borrow and that is comfortable for you to repay.

5. Get your financial documents in order

You have done most of the groundwork, as well as assessed your loan status. You have also selected the appropriate lender and the nature of the loan you want. Therefore, it is an opportune moment to execute the plan - make your request.

You will need to submit several forms. But here are some main documents that you should collect:
Personal and new company statements.
Personal and business tax returns.
Financial statements for your new company.
Authorized business forms, for example, Articles of Incorporation, etc.

A short walk through the history of photo retouching

In this post we talked about the importance of photography for any business and how photo retouching is present in many campaigns and works that we carry out, ranging from product photography, open spaces to the corporate image itself. However, in this post, we want to explain where it was born and how some of the first photographic retouches in history were made.

It could be said that from the very birth of photography, the concern of the artists and creators of the moment was quickly reflected in the first photographs. And it is that the first official photographic retouching dates no less than the year 1860, and how could it be otherwise, was carried out on a politician.

This retouching was carried out by the Eastman Company (Kodak) with the intention of improving the image of the then President of the United States, Abraham Lincoln. In this photograph, the body of the president was completely changed, placing another one more in line with what they thought was more appropriate for the image that the president himself should give. The most curious of all is that the body used was that of John Calhoun, an anti-Lincoln politician who advocated maintaining slavery, and with ideas very contrary to those of the President himself.

However, this type of photography and the way of editing images, would not go unnoticed and the retouching of images would end up becoming, in a very short time, an art that was penetrating the public and artists.

Photographic retouching in history

Aside from political propaganda, humor became very important in this type of image retouching and we could observe double exposure tricks to create rudimentary "special effects" with these images. The most remembered are those of William Mulmer who took advantage of this double exposure to add his ghostly apparitions that were long believed to be true.

As the photographic retouching became more known and perfected, more complex compositions were created where the artist used his ingenuity and skill, not only with the camera but also with its negatives. Since the way to edit a photo was completely handmade since everything was edited, painted, and manipulated directly from the image negative. However, although it may seem very distant and distant in time, graphic and digital design has not changed much, since the most modern tools use old techniques such as brushing, cropping, gradient, and more, yes, in a digital way.

It should also be noted that those images did not have color, so the editing was relatively easier as there was no color consistency. At that time it was common to use liquid watercolors or other types of pigments to touch up the image and color some parts, but this was the only section that was done directly in photography. The rest of the actions such as imperfections and other arrangements were carried out in a negative direction.

Later would come the narrative image editing in which the image editing was used to create compositions that told a story . Especially used and designed for political and propaganda purposes.

The ingenuity of those early photo editors, such as the well-known Swedish photographer Oscar Gustav Rejlander, would lead him to create this work entitled “ The two paths of life ” in which he shows a composition created from multiple images that, finally united, they would be one in which a father dismisses his children before the paths that open before him. It is impressive to see how with props and manipulation of the negative he achieves a composition in which the assembly can hardly be seen.

In this way, a period would begin in which the editing of images among people who had never been together, especially political leaders, would take great force. As an example, we have the one known as “The Sovereigns of the world 1889” in which they are shown from Alfonso XII to Yohannes IV of Ethiopia.

Another type of photo design would be duplicity, in which the author of the photo (or the model of the photo) appeared in various situations within the image itself. One of the best known was Valerio Silva, who not only was cloned once or twice but even reproduced his image up to 30 times in the photograph " Los 30 Valerio's ".

Currently, with the evolution of the digital age and all the technological advances, all these manual tricks to make photographic editions are done through the computer, through the different editing programs. The best known is Adobe Photoshop, which allows you to make a large number of changes and delve into photo retouching in great depth.

Applied to the graphic design the photo retouching we can adapt the colors of the products, prospects, make still lifes, apply an environment to products with white background, and a lot of combinations to present the products and services our customers the best way.

you may read also clipping paths in photoshop 

9 tips for buying securely online or paying by card

Updated on 12/09/2019 - For some of us, it is a joy to wander the shopping malls and other shopping streets in search of birthday or Christmas gifts. For others, it is hell or simply impossible for lack of time. Sometimes it even turns into a marathon if the desired product is no longer available anywhere.

Since the internet has existed, those who are resistant to the gift shop in the street store can avoid this ordeal and quietly search for gift ideas online. There remains the last, most delicate step: online payment, which is generally done by credit card. How to avoid being fooled and not afraid of having your card number hacked?

1. Do not buy at any store

First important step: choosing the store. When you have the choice, prefer an online store that you already know by fame or because you have already used it. Make sure that the general information and the conditions of sale are accessible, the physical address of the company must be clearly indicated with a means of contact (telephone, email).

If you have no choice and you have doubts about the reliability of a seller, do not hesitate to contact them by phone or email under the pretext of checking the availability of a product. Search the internet for the name of the store or ask the community for advice in our pre-purchase advice forums to find an alternative or collect reviews.

2. Secure pages and VPN

A bank card number is intended to be entered on a special secure page which must be encrypted to prevent the number from being intercepted by a third party. These pages are easily recognizable thanks to the S of HTTPS which is displayed at the beginning of the address or the padlock present in the address bar. You can also activate your VPN if you have ever subscribed to a service of this type.

Best online shopping site best online shopping in bangladesh

On the other hand, bank card numbers should never pass through a simple contact form or through emails. Ideally, your real credit card number should almost never go online (see below).

In addition to this verification concerning the encryption of the page, do not forget to trigger your VPN to add an additional protection overlay, especially if you are making your purchase while connected to a Wifi network which is not yours.

3. Use an alternative payment method

Online sales sites sometimes offer alternative means of payment by credit card. Some, for example, offer payment via Paypal, which eliminates the need to systematically provide your card number. However, you must open a Paypal account by providing your card number or credit the account.

Bank transfers can also be an attractive alternative if you can make transfers online. The seller generally asks to note a reference to find the transaction. However, you should not be in a hurry, the validation of the order being longer than during payment by card.

4. Activate 3D Secure

Banking organizations have looked into these security problems and most banks or cards (Carte Bleu, Visa, Mastercard, etc.) offer security solutions such as 3-D Secure, a secure Internet payment protocol. Date of birth, code card, code by SMS ... not all banks offer the same type of security. Check with your advisor to find out what type of security your card offers and how to activate it before shopping online.

5. Use a prepaid card

If you do not have a card, bank account, or are particularly concerned that your numbers do not circulate on the internet, it is possible to acquire a prepaid credit card. These cards, which can also be used in street shops, are credited with a certain amount before use.

It is possible to buy them online or in cash at points of sale near you (local merchants). However, you have to pay fees: a fixed amount on management and/or certain amounts when recharging or for each transaction.

6. Use a virtual card or e-card

In the same spirit as the prepaid card, virtual cards or e-cards are offered by almost all French banking establishments. They allow you to create virtual card numbers for a certain amount or each payment. The service is generally chargeable, but the fees are lower than for prepaid cards. The procedure for creating virtual numbers can be done online via a special interface set up by the bank. Ask your bank advisor what solutions you have, you may already have them available without knowing it.

7. Monitor your accounts

The time for payment has passed and if you have decided to opt for payment with your real card number, it should be verified that the amount debited corresponds to the order you placed with the merchant, especially if you are used to shopping on the internet.

Check that each debit on your bank statements or on your online account corresponds to purchases actually made. If you see a debit that does not match any of your payments, please contact your bank for an explanation. The sooner the better if you want to cancel a payment or terminate a recurring payment.

8. Do not store

Finally, some sites sometimes offer you at the time of payment to "keep in memory" your payment information to make your task easier during your next purchases. Systematically uncheck this box to avoid leaving your card numbers lying around in merchant databases.

If for practical reasons you want to store this card, choose a strong password containing upper and lower case letters and mixed numbers and letters to avoid hacking your account. Of course, never use the same password for multiple websites.

9. Make no mistake!

It is not only the payment that must be secure, your purchase must be made so that the advantages of buying on the internet do not become a disadvantage. Before the payment phase, the price of the product, the choice of site, the deadlines, or other conditions of guarantees and after-sales service must be carefully examined so as not to be mistaken.

You are well equipped to buy on the internet, even with a credit card or bank card. It remains only to make your choice of gift in our Christmas selection or to be advised by members of the community in the forums' advice before purchase.

Learn Asp.Net MVC in 10 easy steps and in your language

As you open it seen in the title, next I will show you how to learn Asp.Net MVC quickly and easily, explaining the basic things and providing you with the tools you need to start developing in MVC, it is worth mentioning that we will use the C # language For our tutorial, and we understand that you have basic programming knowledge and are familiar with the Visual Studio tool if you are an independent developer or have just finished university and want to learn to program in MVC, this tutorial is for you.

For our tutorial we will need to have Visual Studio installed, if you don't have it, you can download the version of Visual Studio Community which is free and has everything you need to develop an application in MVC, I do not mention any database engine since that would be another topic that we will cover in a future tutorial.

Here is the list of topics that we will see throughout this tutorial:

1.- Basic knowledge of the operation of MVC

2.- Create in Visual Studio a web application in MVC

3.- Explanation of the routes generated in MVC (Routing)

4.- Code execution order in Asp.net MVC

5- Ways to store temporary data in Asp.net MVC (ViewData, ViewBag, Session, TempData)


6.- Helper Management in Asp.net MVC

7.- Validation of the model in Asp.net MVC (Data Annotations)

8.- Use of partial views

for a curse asp.net mvc training in bangladesh

9.- Make an asynchronous call with Ajax in Asp.net MVC

10.- Control of users and permissions in Asp.net MVC

I hope this 10 easy steps tutorial has helped you understand how MVC works on Asp.net and now you have the necessary knowledge to start your new developments, you would help me a lot by sharing and liking the page.

These are the 9 best Nespresso coffee machines of 2020: enjoy your coffee at any time

In this article, Business Insider may receive a commission on your purchases. More information.
These are the best Nespresso coffee machines you can buy based on their price range, whether you like plain or milk coffee.

Choose the one that best suits your needs with this buying guide and the comparison between the different Nespresso machines on the market.

Discover more stories on Business Insider.

In order to buy a capsule coffee maker, the most appropriate thing is to select the one that best suits you among the best Nespresso coffee machines based on the price currently on the market.

Read more: best coffee makers under 100


Now, to get it right when purchasing one of these devices, it is not only necessary to take into account its characteristics or the budget you have, but also your own needs.
What is the best Nespresso coffee machine? Comparison and tips to buy the most suitable capsule coffee machine

The best Nespresso machine for you depends on the use and the purpose that you are going to give it. Luckily, it is easy to answer this premise based on 3 points:

Type of drinks and use

Regardless of whether you choose to have a bar, professionally or at home for private use, you will have to weigh whether you opt for only coffee or milk drinks such as cappuccino.
In the event that you want to have other types of drinks, it is best to opt for compatible coffee machines. Of course, all Nespresso coffee machines, as well as compatible ones, have 19 bars and two modes: short espresso or lungo coffee.

Budget

The Nespresso coffee machines cheap can not be considered economic, but thanks to specific offers may acquire from 59 euros.

Space

While a professional Nespresso coffee machine takes up more space, the same is true if the coffee machine includes additives like a frother, steamer ( Aeroccino ), or a milk tank. That is why you must be aware of the place where you are going to have it.

Krups vs De'Longhi

Beyond aesthetic differences, both coffee machines have a similar interior architecture. In this way, simply opt for the one that is best for you aesthetically.

Although it is common to see different offers in the different shops and on the Nespresso.com website, both in coffee machines and in original single-dose capsules, it is possible to order Nescafé coffee machines by price range according to their characteristics, added, nature, quality/price, and use.

Icons capsule Italian espresso machine: 69 euros

This universal multi-capsule coffee machine has an adapter system for the different capsules of Dolce Gusto, Nespresso, and Coffee Express; as well as for Starbucks or infusions.
It has 19 bars, a minimum temperature of 69 degrees, and is suitable for any coffee maker thanks to its simple and intuitive handling.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 6 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

Guillermo comments that he has bought this coffee maker due to the possibility of using different types of capsules. "At the moment after a couple of deposits I am happy. Easy to use, for my taste the coffee comes out hot enough," he explains.
"The only downside is that you have to calculate the water so that the coffee is to your liking. The original ones in that aspect are better."

Buy the Ikohs model in white, gray, black or beige

Best cheap Nespresso machine

Nespresso Inissia: 99 euros

Its Flow Stop system automatically dispenses both espresso and lungo coffee. It also has a retractable tray for cups. Both the De'Longhi Inissia EN80.B and the Krups Inissia XN1005 have similar characteristics.

Advantage
Automatic shutdown after 9 minutes.

Ability to store up to 6 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

The user Juan Luis maintains that it is a " good capsule coffee maker, it does not matter not metal, it is made of good plastic. Very discreet size, it takes up little space."

He also adds that the complaints he has seen about the small size of the water tank are meaningless. "In addition, Auchan capsules serve him perfectly, I ignore other white brands because only these have a good rating in a comparison of OCU capsule coffee machines, " he highlights.


The Philips model, despite being designed for L'Or coffee, was also created to prepare espresso coffee with Nespresso capsules.

Not only does it have 19 pressure bars and a 1-liter capacity water tank, but it is also the only compatible coffee machine capable of preparing a double coffee, in addition to lungo or espresso.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 10 used capsules.

Preparation of double coffee.

Disadvantages

Size.

Users opinion

User Hispania says she liked that it is compatible with other Nespresso and white label capsules. " The only thing I would put down is that when you start pouring coffee it makes a loud noise, but then decreases," he explains.

"It is quite comfortable to clean and the water tank is one liter. You can make 6 to 7 coffees. It only takes 3 seconds to heat the water, from there you can make the coffee."


Buy the Philips model in black

Best cheap Nespresso machine

Nespresso Essenza Mini: 109 euros

In just 25 seconds this coffee maker heats the water so you can enjoy the best coffee. Even if you have both coffee modes preset, you can customize the quantities.

Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 9 used capsules.

Disadvantages

0.6-liter tank.

Users opinion

Magdalena comments that she wanted a coffee maker that made good coffee and that didn't take up much space. "I am delighted. Also, you have 2 options for coffee, short and long, and the coffee comes out very hot," she says.



Buy the Krups model in red or white
Buy the De'Longhi model in black or white
Best compact Nespresso machine

This compact single-dose capsule machine is capable of fitting anywhere in the house. It is easy to use, automatically dispenses coffee and its folding support allows you to prepare cups of espresso or mixed with milk.

This Amazon user notes that it was exactly what he expected. "We already had the old model without Aeroccino, but with the built-in it is great since we always drink coffee with milk," he explains.


Buy the Krups model

Buy the De'Longhi model

Best quality/price Nespresso capsule coffee maker

Nespresso Pixie: 149 euros

25 seconds are enough for the coffee maker to heat up and you can have your favorite coffee at any time of the day. In addition to an avant-garde design, the Pixie model has a warning indicator for when the water tank is empty.


Advantage

Automatic shutdown after 9 minutes.

Ability to store up to 10 used capsules.

Disadvantages

0.7-liter tank

Users opinion

The user Fernando comments that you can program the duration of the short and long coffee, but all the rest of the things are manual. "Stop it whenever you want, you can add a little more coffee if you like ... and the coffee is great," he says.

Buy the Krups model

Buy the De'Longhi model


Best Smart Nespresso Capsule Coffee Maker

Nespresso Expert: 279 euros

The Nespresso coffee machine model with mobile connectivity allows up to four different cup sizes to be served. In addition, it has an energy-saving mode and allows setting the temperature.

Advantage

Automatic cleaning and maintenance notices.

Ability to store up to 12 used capsules.

Disadvantages


It has no voice control.

Weight of more than 4 kilograms.

Users opinion

Javier indicates that the coffee maker adjusts perfectly to the dimensions of a small kitchen since its aesthetics are very careful. " The coffee comes out with more intensity than in lower category coffee machines, " he says.

"It automatically removes the capsule, alerts you to its maintenance of water and hygiene. In short, a great purchase for lovers of good coffee."



Buy the Krups model

Buy the De'Longhi model

Best Nespresso coffee machine with foamer

Nespresso Gran Lattissima: 319 euros

Of all the Lattisima models this one stands out because it is the one with the largest milk and water tank; It can hold up to 14 used capsules and has cappuccino, caffe latte, and latte macchiato functions.

Advantage

Descaling notice.

Prepare the milk in 20 seconds.

Disadvantages


Milk tank of 0.5 liters.

Users opinion

This Amazon user notes that the coffee maker is " intuitive and compact ." Even with the integrated Aeroccino it is easy to use for any coffee lover.

Buy the silver model

Best professional Nespresso machine

Nespresso Zenius: 589 euros

This coffee machine for companies with less than 50 employees is easy to use, fast and efficient. It allows you to prepare ristrettos, espressos, or lunges quickly, just as if you were at home, but with specific buttons.

Why choose a Nespresso coffee machine?

Reusable coffee capsules

Beyond being the leading firm, it has managed to deal with competitors and imitators. It only remains to be seen how it will respond to Xiaomi's low-cost challenge along with the wide range of rechargeable capsules on the market.

Invariably, if something characterizes a cup of Nespresso coffee, it is not because each of its more than 20 varieties adjusts to each palate, despite the fact that their coffee machines do not prepare any other type of drink. Everything, thanks to its flavor.

Except for the Philips L'Or coffee machine and the Ikohs, no other on the market has 19 pressure bars and a temperature of 90º when preparing coffee.
It is true that from 9 bars it is enough; but the difference between Dolce Gusto's 15 and Nespresso's 19 is noticeable.

In addition, Nespresso coffee machines are not only designed for homes, but it is also possible to find professional models. This means that not only is there a permanent innovation, but its coffee machines are consistent and durable.

While there are users who have had the same Nescafé capsule coffee machine at home for ten years, other brands cannot boast the same longevity in their articles.

Read more: This is how Amazon is winning the war of Nespresso and Dolce Gusto compatible coffee capsules

This does not mean that its competitors should not be underestimated, as they offer a greater range of drinks than Nespresso, even more, competitive prices in their coffee machines. Amounts notorious especially in the models that incorporate a skimmer or similar aggregates.

And it is that all this is combined with an accurate advertising campaign, elegant designs, and a mechanism that provides speed in the preparation of espresso coffee of less than a minute even for those who are not baristas.
A ritual that can take up much more of your time, and your budget, in the event that you choose to buy good coffee beans, a coffee grinder to match the correct espresso machine.
All a declaration of intent of the brand that unseated the leader of the sector long ago, Keurig. A firm that introduced capsule coffee machines to the market in the 90s.

The Nespresso case: where does its fame lie?

Beyond the famous capsule coffee firm of Nescafé, whose most visible face is the American actor George Clooney, there are several brands that offer a great alternative for our palates.


Tassimo, L'Or, Lavazza, or Dolce Gusto itself, also from Nescafé, are high-quality alternatives as well as popular; but they do not have that perception of quality and excellence that currently surrounds Nespresso.

It is for this success that many firms have wanted to join the offer of capsule coffee machines; but they did not manage to enter the market as successfully as they did with their own capsules.

Read more: Best coffee maker under 100


And it is that El Corte Inglés, Mercadona, or Lidl have managed to reinvent themselves, while Carrefour, Media Markt, and other large stores have opted for price reductions with very attractive offers. Case of which Amazon is detached because the e-commerce platform of Jeff Bezos after seeing the bulls of the barrier has managed to give a lunge in the market. Clear strategy in its white brand of Solimo capsule coffee.

At the end of the day it is an x-ray in search of a Holy Grail that is so obvious that it obscures its small details. And is that Nespresso's fame is based on 3 pillars :


An outstanding coffee (raw material).

Capsule coffee machines that perfectly imitate espresso (90º and 19 bars).

Excellent quality/price.

Innovation.

A great marketing strategy.

Best selling and popular Nespresso coffee machine models

Nespresso Inissia.

Nespresso Pixie.

Nespresso Essenza Mini.

Nespresso Lattissima.

Nespresso Grand Master.

Most popular Nespresso capsules and their price

Within the Nespresso catalog there are more than two dozen capsules with prices per unit ranging from 34 cents to just over 0.50 euros.
Of course, it depends on the variety; But the firm is aware of this and rewards its users with multiple offers throughout the year in its coffees, making up for the difference in price with its competition.

The best online shopping sites in 2020

To define which are the 'best' e-commerce sites in Italy in 2019 numerous factors come into play, and the classification can be very different depending on the angle from which we do it.
Recommended reading: The 20 best online electronics stores

Let's proceed with a useful simplification.

By taking Amazon as the central hub of e-commerce, and by referring to its leadership as a benchmark, we have identified 10 possible alternatives that are able to compete from various points of view.

In general, in fact, there are also some contraindications to using Amazon.
For example, the fact that some brands do not sell their original products on this platform, forcing whoever wants them or to buy them used or to buy them new on external sites.

Or the fact that in some countries Amazon is not a partner of cashback services, thus not giving the possibility of obtaining re-credits on what you buy.
Starting from spring 2019, Italy began to have partnerships to obtain cashback on Amazon: the first sites to offer this possibility were Beruby (which returns up to 8% of cash back for purchases on Amazon) and Bests Hopping (which reaches 7%).

UPDATE MARCH 2020:

From 1 March 2020 Amazon has again decided to terminate the partnership with all major cashback sites in Europe. This occurred after the company's European Conference and relates to Amazon's marketing choices specific to each different market in which it operates. It is possible that cashback may come back in the future, or come and go periodically.

Sites similar to Amazon: the updated list 2020

Here is a list of e-commerce sites that can be considered most viable - at least sectoral - alternatives to Amazon, with characteristics and peculiarities that in some cases are even preferable to the original.

1. For used products: eBay

eBay is a historic giant of online sales and auctions that has been operating in Italy since 2001. It is considered, together with Amazon, to be the largest internet marketplace (at least for Europe and America).

You can access the platform through the 'Buy' function to buy products for sale or auction, or 'Sell' to create and manage your own seller space.

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2. For electronics: NewEgg

NewEgg is an online sales portal for technological and electronic products. It is a site similar to Amazon in terms of the offer of computers and accessories, office solutions, home devices, and electronic components.

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3. For music: eMusic

eMusic is a web music store founded in the United States in 1998. It has over 300,000 members and is an excellent alternative to Amazon's music offering ( Amazon Music Unlimited ) for listening to and downloading music in digital format.

4. For craft products: Etsy

Etsy is a large online marketplace, founded in the United States in 2005, where you can both sell your goods and buy from sellers on the site. He specializes in craft and vintage products.
In its niche, it can be considered a market leader at least on the same level as Amazon and eBay. Arrived on the homepage you can choose whether to use the platform as normal users or whether to register a seller account instead.

5. For general shopping: AliExpress

AliExpress, the platform owned by the giant Alibaba, is e-commerce formed by the union of small Chinese companies that offer their products and services to an international audience.
The catalog is vast and generalist and ranges from clothing, telephony, computers, jewelry, household items, beauty products, to car accessories.

6. For high-tech products: ePrice

Born in 2000, ePrice specializes in IT products, films, DVDs, and household products. With a catalog of over 400,000 items, the website boasts over 12 million visits each year.

7. For clothing: Privalia

Born as a private club for online shopping, Privalia is proposed as one of the best online shopping sites for clothing. Over six million members worldwide can benefit from numerous sales campaigns, with savings of up to 70% on designer clothing.

8. For travel: eDreams

Many millions of travelers from all over the world choose eDreams, one of the best online shopping sites specializing solely in travel and holidays.
This digital travel agency offers hundreds of low-cost solutions every day: from hotel reservations to simply scheduled flights, from vacation packages to car rental assistance.

9. For deals and discounts: Groupon

Groupon is a leader in discounts and in the buying group sector. Groupon users can access daily offers of coupons and discount coupons to be used at a very wide range of commercial activities or services. Well known and used in Italy for several years, Groupon is the ideal solution for those looking for very convenient offers on products and services of various kinds, especially in the local area.

10. For books: IBS.it

Born in 1998, the Italian portal IBS is proposed as one of the best sites for online shopping specializing in books, music, films, and video games. Reliability and efficiency are the strength of this online store, which boasts tens of thousands of customers every year.

Conclusions

In this article, we have seen how the growing trend of online shopping in Italy and in the world has increasingly significant figures and increasingly clear trajectories.

Finding your reference online shopping sites becomes more important every day: in fact, there is not only Amazon but on the contrary, there are very interesting alternatives and in some cases even preferable. Having a complete overview of the world of online shopping will, therefore, help you make convenient choices on the most reliable e-commerce.
What are your favorite sites? What would you recommend besides those on this list as an alternative to Amazon? Share your ideas in the comments below!

7 secrets to becoming a Graphic Designer worthy

Every new graphic designer aspires to always give his best. However, this isn't easy. You have to work hard, and a lot. It is necessary to develop an excellent artistic sense in order to feed that indispensable factor to be a good graphic designer and that is the predisposition.

Marketing (on the web and on the street) and communication skills are immediately successive conditions and should not be neglected but cultivated day by day, work on work.
You need to know where to sell your skills and how to capture customer interest. There are hundreds of tips and tricks, but I would like to share with you what I believe are the seven great secrets of becoming a superstar in graphic design. The best graphic designers understand these secrets, which is why they are the best.

Let's start immediately with the first secret ...

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# 1 Communicate - Relate - Share
Become an active member of a graphic design community (whether it's virtual or near your home) and interact with other graphic designers like you to see and understand how they think. Communities, forums, and social gatherings allow you to relate to new people, share ideas, knowledge, styles, and grow as a professional.

This is the best way to get good visibility in a short time, creating professional relationships, and acquiring important knowledge regarding the field of design.


# 2 Expanding - Improvising - Adapting
Being a good graphic designer means being flexible and adaptable. Don't limit yourself to just one field. Expand your skills and explore different areas of digital design. This will help you potentially acquire a strong customer base, and in the meantime never stop honing your knowledge.


Improvise and experiment with more styles in your work projects in order to master more graphic software over time. Knowing thoroughly the 2d and 3d drawing modes is certainly an excellent point in favor. Last but not least, immediately challenge yourself by offering yourself as an "on-demand" graphic designer in the hottest sectors such as catering.


# 3 Evolve - Learn - Update
[Tweet “You can never say," I know everything. " The graphic designer never stops studying and learning. ”] Every day you can get to know new tricks and tips, explore new strategies, and even manage to produce brand new ideas.

Stay up to date with the latest design trends and dedicated software (you can also focus on the programs most closely related to what you do). But don't forget to manage your time. The more up-to-date and versatile you are, the more likely you are to be contacted for a job.

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# 4 Read - Read - ReadIt is important to read, document, and deepen your knowledge on the psychology of color, on the basic and advanced concepts of design and typography. Make sure you follow the latest trends and news on the latest industry software.

Graphic design is not only fervent imagination: I like to define it as a tameable art that can be modeled according to the needs of a sector. This is what graphic design books, websites, tutorials, and professional blogs must teach you.


# 5 Experiment - Experience - Understand
Practice with different design styles and various color combinations. Aim for innovation to create your works. Think outside the box, avoid commonplaces, and common tendencies. Playing with graphics software is a good exercise and a great way to learn various techniques.

In this way, practical knowledge is accurately defined. Also, don't hesitate to consult your friends and colleagues for their opinion on your work. This will help you understand the flaws and improve the "yield on the field". Of course, not all the feedback you receive will be worthy of note, but don't worry, listen to your interlocutor carefully and skim the feeds most relevant to the project you have exhibited.

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# 6 Search - Get inspired - Create
Avoid looking for inspiration in other people's work if your purpose is to be original. The first idea you could get for a project you're working on won't always be unique because, with thousands (and maybe more) of graphic designers out there, it's possible that your idea has already been "caught".

Seek inspiration from the surrounding environment, from nature, from people you know instead of focusing only on designs or trends present online because looking for the right inspiration does not mean copying the models already on the net. This point is as important as it is risky: copying existing ideas or projects will directly undermine your credibility as a professional designer.


# 7 Aim - Aim - Win
If your goal is to be the best then this will hinder you in developing your skills. Rather, try to keep the level of learning high and do not hesitate to ask questions when you are faced with something you do not understand.

Become an active part of the design community and share your knowledge as a graphic designer with others who, in turn, will not disappoint you when you have a question to ask. Meet customers' needs and do your best to understand their business. This will help you overcome even the most complex challenges, allowing you to build an excellent portfolio and be known as a professional graphic designer.

Well, we have come to the end and after all these "secrets" what do you think is the truth to follow?
hat else do you think a superstar chart does? What is it that the best designers do differently?