New comment by autokatalyst in "Ask HN: Freelancer? Seeking Freelancer? (August 2019)"

SEEKING WORK – New York / Remote

Location: New York

Remote: Yes

Experienced full-stack developer with a machine learning focus. Building data-driven applications that deliver material business results is my specialty. I’ve been fortunate enough to work in a variety of industries from Quantitative Finance to Insurance Technology (InsurTech) and Recycling & Waste Management Technology (WasteTech). I’m pragmatic, professional, and put a strong emphasis on communicating clearly and developing projects towards mutually accepted first priniciples. Happy to chat about your specific domain and what might be achievable.

Technologies: python, flask, django MySQL, sqlalchemy, pandas, scikit-learn, html/css/js, jquery, bootstrap, jupyter, R, pytorch

Email: contact[at]autokatalyst.com

Available for the following:

* Full-Stack Web Development

* Data Science/Business Analytics

* Business Process Automation

* Quantitative Risk Management (Hedge Funds/HFT/Systematic Trading)

  - extensive experience developing regulatory/operational/trading risk management tools in quantitative finance.

I enjoy solving business problems with software and diving into various domains and building solutions that have a material impact on the bottom line. One of my best performing projects (continues to save millions annually) required 70% digging into a problem domain and 30% coding. Another recent project I’m proud of is an ML-powered pricing engine that’s given a $250+M funded competitor’s service in the space a run for it’s money. I’ve produced results working both as a member of a technical team and independently (working directly with key stakeholders/executives).

New comment by autokatalyst in "Ask HN: Who wants to be hired? (August 2019)"

Location: New York

Remote: Yes

Willing to relocate: No

Technologies: python, flask, django MySQL, sqlalchemy, pandas, scikit-learn, html/css/js, jquery, bootstrap, jupyter, R, pytorch

Email: contact[at]autokatalyst.com

Available for the following:

* Full-Stack Web Development

* Data Science/Business Analytics

* Business Process Automation

* Quantitative Risk Management (Hedge Funds/HFT/Systematic Trading)

  - extensive experience developing regulatory/operational/trading risk management tools in quantitative finance.

Experienced full-stack developer with a machine learning focus. Building data-driven applications that deliver material business results is my specialty. I’ve been fortunate enough to work in a variety of industries from Quantitative Finance to Insurance Technology (InsurTech) and Recycling & Waste Management Technology (WasteTech). I’m pragmatic, professional, and put a strong emphasis on communicating clearly and developing projects towards mutually accepted first priniciples. Happy to chat about your specific domain and what might be achievable.

I enjoy solving business problems with software and diving into various domains and building solutions that have a material impact on the bottom line. One of my best performing projects (continues to save millions annually) required 70% digging into a problem domain and 30% coding. Another recent project I’m proud of is an ML-powered pricing engine that’s given a $250+M funded competitor’s service in the space a run for it’s money. I’ve produced results working both as a member of a technical team and independently (working directly with key stakeholders/executives).

Segment is hiring a fullstack engineer to build our developer platform

Hey HN, I’m Calvin, one of the co-founders of Segment. We’re looking for a senior engineer to help us build out our developer platform. Up until this year, Segment has been an easy way to connect all of your data. But today, we’re starting a new chapter. We’re starting to open up our data infrastructure … Continue reading Segment is hiring a fullstack engineer to build our developer platform

Financial Debt To Income Ratio

Financial Debt To Income Ratio

Financial debt to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home loan for your residence, the loan providers typically compute the financial debt to earnings proportion to function out your qualification for the home loan.

The number 28 describes an optimal percent of your month-to-month earnings the loan provider permits you for satisfying the real estate expenditures. This consists of the financing principal as well as passion, exclusive home loan insurance coverage, real estate tax, and also various other costs such as the residence organization costs.

The number 36 shows the optimal portion of your month-to-month revenue the loan provider permits you for satisfying both the real estate expenditures and also the reoccuring costs such as bank card settlements, vehicle loan, education and learning finances, or any type of various other reoccuring expenditures that will certainly not be repaid in the instant future after occupying a home loan.

Allow us take an instance of a debtor whose regular monthly earnings is $4000.
28% of 4000 = 1120, i.e., $1120 will certainly be enabled fulfilling the real estate expenditures.
36% of 4000 = 1440, i.e., $1440 will certainly be enabled both real estate as well as reoccuring costs with each other. This indicates that the individual can not owe various other financial debts greater than $320.

Some finances use better portion enabling you for even more financial debt. The FHA lending has a 29/42 range for determining the financing qualification.

A lot of the financial institutions urge that your debt-to-income proportion is listed below 36%. If it goes across 43% you are most likely to encounter economic constricts in the future, as well as having a 50% or even more debt-to-income proportion implies that you ought to right away exercise methods to decrease your financial debts prior to getting home loan.

There are some interesting realities concerning the financial debt proportion. Allow us take into consideration the truths regarding a home loan ability for an individual whose regular monthly revenue is $3000 as well as has no financial debt. According to a financial obligation proportion 38%, the quantity offered for the home loan will certainly be $1140.

On the various other hand, expect you have $4000 regular monthly earnings, and also you owe a $1000 financial debt. If you assume you still are worthy of the $1140 for the home loan (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

If you pay off all your financial debts as well as do not conserve for down settlement, you might dive right into an extra hard circumstance. In this instance, you require to get in touch with a home mortgage therapist to choose whether conserving for the down settlement would certainly be suitable than paying off the financial obligations.

Financial obligation to revenue proportion is the proportion in between your regular monthly expenditures and also your earnings. Prior to approving a home mortgage for your residence, the lending institutions generally compute the financial obligation to revenue proportion to function out your qualification for the home loan. Allow us take into consideration the truths concerning a home mortgage ability for an individual whose month-to-month earnings is $3000 and also has no financial debt. On the various other hand, expect you have $4000 regular monthly revenue, and also you owe a $1000 financial debt. If you assume you still should have the $1140 for the home mortgage (after deducting the $1000 financial obligation from your regular monthly earnings) you are incorrect.

The post Financial Debt To Income Ratio appeared first on ROI Credit Builders.

The post Financial Debt To Income Ratio appeared first on Getting Your Business Started Off To The Right Start.

Recently Funded… $25,000 funded in 72 hours

Congratulations to one of our commercial construction clients who just secured $25,000 in cash flow financing!

Mike is was able to get money quickly so his company could take advantage of an amazing discount on some much needed equipment.

We were able to close this one quickly so he didn’t miss a very unique opportunity to rapidly grow his business. Congrats again Mike!

Click Here to see how much funding you can get for your business.

The post Recently Funded… $25,000 funded in 72 hours appeared first on ROI Credit Builders.

New comment by autokatalyst in "Ask HN: Who wants to be hired? (August 2019)"

Location: New York Remote: Yes Willing to relocate: No Technologies: python, flask, django MySQL, sqlalchemy, pandas, scikit-learn, html/css/js, jquery, bootstrap, jupyter, R, pytorch Email: contact[at]autokatalyst.com Available for the following: * Full-Stack Web Development * Data Science/Business Analytics * Business Process Automation * Quantitative Risk Management (Hedge Funds/HFT/Systematic Trading) – extensive experience developing regulatory/operational/trading risk management …

The Muse (YC W12) Is Hiring Engineers and Developers

Article URL: https://www.themuse.com/jobs/themuse/application-developer

Comments URL: https://news.ycombinator.com/item?id=20712829

Points: 1

# Comments: 0

Atomwise (YC W15) Is Hiring a Senior Software Engineer / Cloud

Article URL: http://www.atomwise.com/jobs/senior-software-engineer-cloud-2/

Comments URL: https://news.ycombinator.com/item?id=20722688

Points: 1

# Comments: 0

Courting Public Favor

Courting Public Favor

Initially look, it is a little bit shocking when you see just how much some popular as well as effective organisations in every neighborhood bend every initiative to court public support. Virtually any type of area of substantial dimension in the nation has a service area in the paper. As well as clients to the neighborhood information see their capacity to remain in touch with what the greatest and also up as well as coming services in the area are doing as a vital part of their company recognition.

Often it’s excellent to review business information in your regional paper both for details and also with an eye on the concern– “Did business being talked about job to obtain this post published concerning them in the paper?” In many cases, it is coldly clear that business mosted likely to excellent sizes to obtain seen. Numerous companies really utilize public connections as well as marketing experts to customize just how they will certainly be watched in journalism and also to date public support by romancing the ideal type of press protection for business.

There are some strong organisation factors behind such hostile job being done by the service neighborhood to have great press insurance coverage. Externally, it may look like the intent of handling public authorization for a service is simply a need to be a great resident therefore that popular opinion agrees with and also everyone thinks about that organisation as a number of “heros”. The inspirations for dating public support for an organisation are much more business and also intricate than that.

Public viewpoint is an amusing point. The organisation that is well related to at the area degree will certainly be one that sees solid client commitment.

* A solid track record produces much better organisation transactions. Running an organisation implies becoming part of loads of organisation partnerships, making bargains and also preparing agreements with various other services in the area. That will certainly show positively when you require a bargain to drop your method at the negotiating table if your company is well related to in the public eye.

Financiers like to recognize that the organisation they are interested in partnering with will certainly be able to finish its organisation objectives and also sustain year in as well as year out. When the organisation the financier is interested in has a solid public photo, that shows that this is an organisation that performs itself with stability, is interested in the public excellent as well as exclusive revenue and also is looking for the long-lasting gain as well as the temporary earnings.

Lots of organisations look for giving ins or to get in right into a partnership with regional federal government so they can have a clear course to obtain structure licenses or perform various other organisation that influences the public excellent. If your organisation has a great public account, that equates to ballots for the politically minded individuals at city hall. And also that implies impact which can assist a service go a lengthy method towards finishing its long-range strategies.

* A great public photo influences employment. When you placed a promotion in the neighborhood paper to hire ability, just how you are seen by those trying to find tasks will straight affect if they will certainly react to your employment initiatives. Several an organisation obtained a poor online reputation in your area and also saw miserable reactions to employment initiatives which can imply a much less gifted personnel as well as inadequate efficiency of business generally.

These are strong factors for a service to place some power as well as funding right into dating a great credibility around. Whether that suggests a solid depiction on United Way weekend break or holding blood drives when a month, business that has an online reputation for connecting to the area will certainly be an organisation that thrives. 732

Several organisations in fact utilize public relationships as well as marketing specialists to customize exactly how they will certainly be watched in the press as well as to date public support by romancing the ideal kind of press protection for the organisation.

On the surface area, it may appear like the intent of handling public authorization for a service is simply a wish to be an excellent resident and also so that public viewpoint is beneficial as well as everyone believes of that company as a lot of “excellent people”. Running a company suggests getting in right into lots of company connections, making bargains and also preparing agreements with various other services in community. When the organisation the capitalist is interested in has a solid public photo, that shows that this is a company that performs itself with honesty, is interested in the public excellent as well as exclusive revenue as well as is looking for the lasting gain as well as the temporary earnings. Numerous services look for giving ins or to get in right into a connection with regional federal government so they can have a clear course to obtain structure licenses or perform various other company that influences the public great.