Best Medicare Advantage Plans in Georgia

Nearly 1.8 million people in Georgia are signed up for Medicare, making it the 10th largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as cost…

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Ask the Bartender: Should I Use a Page Builder or Wait for Block Themes?

Ask the Bartender: Should I Use a Page Builder or Wait for Block Themes?

As a non-developer, I honestly don’t know what direction to take my WordPress site anymore.

I used to rely on themes and even bought some premium ones, but over time, I’d outgrow them. As an artist myself, I prefer having control over every aspect of my website, from its layout, colors, to its fonts. Thus, I turned to page builders.

I tried Elementor Pro, but it was frustrating how it was so difficult to create more advanced layouts without exponentially increasing the DOM size of the page. I had to install several Elementor plugins just to get the job done, but then it also made the site slower. Elementor would also often conflict with Gutenberg block styles since I used the block editor for writing posts.

There’s Oxygen, which I’ve heard great reviews of, but its learning curve is too much for me. I also couldn’t get used to themes being completely disabled, as I relied heavily on child themes, knowing a bit of CSS.

Now, there’s this whole Gutenberg uprising. FSE is the future, but I cannot adapt at all. Not to mention that there aren’t that many FSE themes out there yet.

I feel like I’m stuck between a rock and a hard place. I don’t know if I should take the theme route, the page builder route, or the Gutenberg route. If I take either of the first two, I fear they may become obsolete or incompatible in future versions of WordPress as Gutenberg is further developed. And if I take the Gutenberg route right now, I don’t really have much options yet. As it is, Gutenberg doesn’t seem to have any built-in ways of displaying custom meta fields like those from ACF. I don’t want to turn to another premium plugin for it, either.

How much longer is Gutenberg’s development going to take before ordinary but semi-advanced users like me can actually make use of it? What’s actually the best route to take in WordPress right now, a time when a lot of groundbreaking changes are constantly being rolled out?

Isabel

Before diving too deep into this, I want to clarify some terminology for readers. Some of the above uses of “Gutenberg” refer to site editing, a feature landing in the January release of WordPress 5.9. However, to use the site editor, users will need to activate a block theme. Currently, there are not many to choose from simply because this technology is under development.

You are not alone in wondering when we will move beyond what is a seemingly never-ending transitional phase. We are only now getting to some of the features touted three or four years ago when I was a full-time theme author. I am neck-deep in the development side of all this daily, so I can only imagine what it is like for non-developers.

The question is tough to answer without a hyper-specific use case. And, the right solution for one person will not always be ideal for another. There are questions of time, resources, budget, etc.

I only like the page-builder route if you are crunched for time and have a business riding on this. In the short term, Elementor and others make a lot of sense for getting something up and running fast while also giving you design freedom, assuming you have gotten past the learning curve. If this is the case, there is nothing wrong with going in this direction. I do not see builders disappearing anytime soon.

Finding an ideal theme can take a lot of searching. Typically, I recommend end-users look for a design that matches at least the overall layout that they want. Colors, fonts, and other stylistic pieces of it are generally easy to change. The average theme nowadays has options for essentially “skinning” the website.

The second part of this is whether you only want control over the global design or if you want to customize the layout for the inner pages of the site too. For the latter, you need something that supports the current WordPress features.

If you are looking for something sooner rather than later, I would go with a theme that supports block editor styles, bundles several custom patterns, and includes a “blank canvas” template for building landing pages. This route gives you something that is forward-looking but does not rely on third-party builders. Many of these theme authors are already preparing for or building block themes for WordPress 5.9 and beyond.

I am partial to the Eksell theme by Anders Norén. He also has a block theme named Tove that is more flexible.

Eksell WordPress theme home/portfolio page.
Eksell theme homepage.

Be skeptical of themes that only have block editor styles. I have seen enough that only add some custom CSS for a few blocks and call it a day. It is nothing more than another bullet point for their marketing material.

If you can afford to wait a couple of months, you should keep an eye on the upcoming Twenty Twenty-Two theme. It is one of the most beautifully-designed default themes I have seen, but it also has a ton of room for customization. Currently, it has over 60 custom patterns, so that gives you a lot of layout options. I expect this block theme to set the bar that all others must rise to.

A group of six screenshots of the Twenty Twenty-Two WordPress theme with different colors and font combinations.
Twenty Twenty-Two color and font variations.

There is one area where page builders excel in comparison to WordPress at the moment. And that is with horizontal layouts. When creating flexible columns or grids for all screen sizes, the block editor falls short. While the block system’s tools have improved, this gap will not close for a while.

I mentioned patterns being one of the primary components more than once. If a theme offers a solid set of block patterns that focus on layout variations, piecing together a site can sometimes be as easy as pointing and clicking the mouse.

If you need to do some heavy work with layout, there are several block-based grid plugins. When I have needed such a tool, I have almost exclusively relied on the Layout Grid Block by Automattic. It performs this one job and does it well. The plugin bridges the gap between page builders and the block editor when coupled with a well-designed theme.

Everything comes down to timing. You don’t want to build your site on top of one system only to recreate the entire thing from scratch six months from now. For that reason alone, I would forego page builders altogether, except where time is limited. Give block themes like the upcoming Twenty Twenty-Two some time to come into their own.

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Best Medicare Advantage Plans in North Carolina

Just over 2 million people in North Carolina are signed up for Medicare, making it the ninth-largest U.S. state for Medicare beneficiaries. Medicare is the government health care program for people age 65 and older. Medicare Advantage is a bundled alternative to Medicare that offers all the same benefits and usually some extras, such as…

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Let the ‘Out-the-Door Price’ Drive Your Next Car Negotiation

Buying a vehicle is more difficult than ever. Shoppers have long been accustomed to negotiating discounts from the figure on the window sticker. In today’s shortage-driven market, though, many dealers say there is no room for negotiating the cost of a new or used car. In fact, buyers typically arrive on the dealer lot to…

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How to Find a Cosigner for a Small Business Loan

How to Find a Cosigner for a Small Business Loan

Casual smiling business woman smiles with upturned hands apart, considering a choice.

by Caron Beesley

If you’re in the process of applying for a small business loan, you may find yourself in the situation where you need to find a cosigner for the loan. 

But what does a cosigner do, how do you find one, and what’s involved? Let’s look at what a business loan cosigner does and the pros and cons of having one.

What does a cosigner do?

Many financial institutions consider small businesses a high-risk investment due to their lack of credit history and high failure rate. As such they may require a cosigner on the loan. It’s a serious obligation. A cosigner doesn’t just cosign your loan, the lender can require them to repay it – and any associated late fees, fines, and penalties – if you default.

In addition to helping you secure a loan, using a cosigner may improve your chances of getting a favorable interest rates, flexible repayment terms, or access to more funds. A small business loan cosigner can also mitigate the need for you to put up collateral as security.

How to get a cosigner 

A cosigner is typically someone with excellent credit history or significant assets (since they may be required to provide collateral such as property, in exchange for financing). Ideally, that individual is someone you trust, such as a family member or friend. 

Cosigning services are available from organizations or professionals for a fee but should always be approached with caution and the terms of the services closely scrutinized.  

Remember, you’ll need to make a compelling case to secure a cosigner. They will want to be confident that you have a well thought out business idea, business plan, and financial plan, including a budget and cash flow forecast. If you’re already an established business, be prepared to share your balance sheet and income statement as well as your P&L statement. 

What is the cosign process?

Your bank will advise you whether you should find a cosigner for your small business loan. Once you’ve identified that person, they will complete the loan application process alongside you. Once approved, the cosigner must accept and sign the loan agreement.  

What are the risks of having a cosigner on your loan?

A cosigner doesn’t pose any risks to you or your business. However, if you fail to keep up with loan repayments and the bank calls on your cosigner to pay, then it could seriously damage your relationship – especially if your cosigner is a family member or friend.

You should also consider how your cosigner’s credit score might impact your ability to secure a loan, the amount the bank will approve, and the lending terms. 

What to do if you can’t find a cosigner

Cosigning is risky and not for everyone. If you’re concerned that your credit score may impact your chances of being approved for a small business loan, there are alternatives to entering into a cosigned loan agreement. 

  • Improve your business credit score: It takes time, but actions such as making timely payments, paying off debt, and maintaining a low credit utilization ratio can help improve your credit score and chances of a successful loan application. For more tips, check out these 5 Ways to Increase Your Business Credit Score
  • Apply for a business line of credit: A business line of credit works similarly to a credit card and can be used to make purchases for your business, such as stocking up on inventory or paying for marketing programs. Unlike other forms of financing, you don’t have to pay interest on the full sum you borrow when you secure a business line of credit. Instead, you pay interest only on the portion of the credit you use.

Innovations in technology have contributed to the emergence of new fintech firms, able to provide access to a business line of credit quickly and with relatively little administrative work. For example, with Fundbox you can apply online and get a credit decision in minutes. Unlike a traditional business loan application, you won’t have to complete any paperwork to get started. If approved, you can draw on funds anytime you need them and have them transferred to your account as soon as the next business day. Plus, if you pay back early you save and there’s no impact to your credit score just for applying.  

  • Consider an SBA loan: The U.S. Small Business Administration (SBA) offers a variety of small business loans that are partly guaranteed by the government. This makes them a useful option for small business owners who otherwise wouldn’t qualify for financing. Learn more about SBA loans.

At the end of the day, always consider the pros and cons of having a cosigner on your small business loan. Weigh up other financing options first. If you determine you could benefit from a cosigned loan, apply for a smaller amount, and pay it off diligently. This will help improve your business credit score and boost your chances of getting a business loan the next time you need funds – without the need for collateral or a cosigner.

This post was originally published on How to Find a Cosigner for a Small Business Loan on Fundbox.- Fundbox – Fundbox Forward

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