Month: February 2020

Gobble (YC W14) – Senior Full Stack Software Engineers – Toronto, On

Gobble (http://gobble.com) is on a tear and we need more exceptional talent to help smash our goals for 2020. We’re a full stack food company with Series B funding from A16Z, Khosla Ventures, Initialized Capital, YC, and others.

Gobble is a meal prep company that makes cooking easy for busy people. Gobble’s breakout product is the 15-minute one pan dinner kit. Internally, Gobble rapidly invents, sources, manufactures and delivers custom prepped meals across 46 U.S. states via a fully integrated and agile national supply chain.

We’re looking to bring on product-oriented full stack engineers who are interested in making a big impact on the company. The role is on site at our new Toronto office.

As a team, we value things like: TDD, being resilient to change, clean code, refactoring, and shipping code often.

Our stack is mostly: Ruby/Rails/Rspec/Postgres/React/Heroku

If you’re interested in learning more, you can email me directly chris@gobble.com with your CV/Linkedin.

Comments URL: https://news.ycombinator.com/item?id=22311995

Points: 1

# Comments: 0

Cambly (YC W14) is hiring. Solve a massıve problem for billions of people

Article URL: https://jobs.lever.co/cambly/?department=Product&team=Engineering

Comments URL: https://news.ycombinator.com/item?id=22321740

Points: 1

# Comments: 0

New comment by lucraig in "Ask HN: Freelancer? Seeking Freelancer? (February 2020)"

SEEKING WORK: Remote – 6 person development team located in Bay Area

Remote: Yes

Technologies and Skills: Product Development, Design, UX, React, React Native, Python Django, Node.js, Ruby on Rails, Javascript, SQL, CSS/HTML, AWS

Email: hello@quantfive.org

Website: https://www.quantfive.org/

We help companies build the best software products they can. We’re a hybrid software development / design & product team of 6 and we’ve pushed many products to market. We have experience building apps & websites from 0 to launch while also jumping in on projects that are already in development. If you need help developing a project, especially if you want us to help with your product vision / strategy, reach out to hello@quantfive.org with a short description of your project, how far along you are, and we’ll be in touch!

Suitable Home Owner Insurance Quote While you’re going buyin…

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High Risk, Moderate Risk And Low Risk Investments

High Risk, Moderate Risk And Low Risk Investments

For those wanting to invest, you should comprehend that a number of monetary investments can be categorized as being high danger, small danger as well as likewise lowered hazard. It is furthermore unbelievably essential to educate on your very own pertaining to the numerous monetary investments easily offered to you so you can uncover those that fit excellent with your particular situation in addition to lifestyle.

Minimized Risk Investments
While minimized threat monetary investments are normally incredibly decreased trick along with rarely are marketed or extremely fancy, they do provide conventional plutocrats an approach to preserve money for the extensive or quick term without the hazard consisted of that you situate in different other kinds of investing. Minimized risk monetary investments usually pay one of the most cost effective returns, yet are a lot less unpredictable than great deals of different other sort of economic investments. While lowered risk monetary investments do not provide high returns, they do make use of protection as well as additionally defense for those that can not spend for to lose money or would absolutely merely such as to remain free from as much hazard as practical.

Small Risk Investments
Moderate threat monetary investments are optimal for those that have an interest in investing for the prolonged term as well as additionally would absolutely such as to make small returns. Moderate risk monetary investments are typically particular sort of products, bonds as well as additionally usual funds that pay handsomely over the prolonged term. Small risk monetary investments usually return yields of 5% to 12%.

High Risk Investments
High risk monetary investments are those monetary investments that if you are privileged can return significant returns, however the decrease is that they can be remarkably uncertain along with in a great deal of situations in contrast to acquiring bountiful off your monetary investment, you find by yourself losing some or all of it. High risk monetary investments include dollar products, worldwide products, some type of Forex careers, and so forth. The skies is the restriction for returns, yet a number of high risk economic investments- if taken into account a victor should return yields that differ from 10% to 30%++.

For those looking to invest, you should recognize that a number of economic investments can be identified as being high hazard, small hazard as well as additionally minimized threat. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, nonetheless the economic crisis is that they can be exceptionally unpredictable as well as additionally in whole lots of circumstances instead of acquiring bountiful off your economic investment, you situate on your very own losing some or all of it.

Minimized risk economic investments usually pay the most cost effective returns, yet are a lot less unsteady than great deals of different other kinds of economic investments. High risk monetary investments are those monetary investments that if you are lucky can return considerable returns, however the decrease is that they can be remarkably uncertain as well as in a great deal of instances as opposed to acquiring plentiful off your economic investment, you find on your very own losing some or all of it. For those looking to invest, you should recognize that a number of monetary investments can be identified as being high hazard, moderate danger as well as likewise decreased risk. High threat economic investments are those economic investments that if you are privileged can return significant returns, however the economic downturn is that they can be extremely unsteady as well as additionally in great deals of circumstances instead of getting plentiful off your monetary investment, you find on your very own losing some or all of it.

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Economic Report: Jobless claims edge up 2,000 to 205,000, but there’s still no sign of widespread layoffs

The number of Americans who applied for unemployment benefits in early February rose slightly, but there’s still no sign of widespread layoffs in an economy that has been expanding for a record 10 and a half years. Initial jobless claims edged up by 2,000 to 205,000.

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Beginning Your At-Home Voice-Over Business

Beginning Your At-Home Voice-Over Business

Thinking about entering into the voiceover organisation full-time, particularly, opening your very own internal commentary workshop? Helpful for you! It’s an actually terrific method to earn a living!
You’ve obtained the desire. Concern for you: What do you believe is the most crucial point you require to introduce your company? Well, yeah, you’re gon na require some ability, yet ability (in a lot of instances) can constantly be established with research and also method.
THE SECRET TO SUCCESS
It’s called … a strategy. No, it isn’t, yet it’s the most crucial item of the service begin up challenge, as well as it uses to every kind of startup, not simply voiceovers. Currently, prior to we chat strategies, allow’s speak regarding the 2nd most essential point you’ll require for success– cash.
IT TAKES MONEY TO MAKE MONEY
An absence of resources, seed cash, whatever you call it, is the frustrating factor most company startups stop working, consisting of those with a strategy. Exactly how much cash will you require for the service and also living costs?
A PLAN BY ANY OTHER
Call it an organisation strategy if you like, however that often tends to appear a little daunting and also, honestly, frustrating. Call it your “strategy for success,” or “my liberty from overbearing companies intend,” you recognize, something much more motivating and also self-affirming.
The income required to remain in organisation for 6 months, one year, as well as past. Whatever the number, it’s the quantity you’ll require in the financial institution or coming in from a 2nd complete or part-time task for at the very least the very first 6 months in company, if not a complete year. There’s constantly a hold-up in between the beginning day of your voiceover company and also when cash in fact begins coming in.
The quantity of resources (venture capital) required to launch as well as maintain business afloat. This is running funding you’ll make use of solely to money business for the very first 6 to twelve months. You’ll require sufficient to maintain business afloat up until you recover cost after that begin making money, rather than simply paying it out in expenditures.
Temporary objectives to obtain your narration organisation up and also running. Regular short-term objectives consist of: obtaining your demonstration( s) done; picking, buying, as well as mounting your workshop tools; determining where in you residence to place your workshop; determining exactly how to make your workshop good acoustically as well as mounting the acoustical therapy; making a logo design as well as stationery, as well as getting them; finding get in touches with to whom you can send your demonstration( s); establishing your accounting system (QuickBooks is superb. www.quickbooks.com); obtaining health and wellness protection and also building insurance coverage to guarantee your devices; determining if you’re mosting likely to acquire an ISDN system as well as mounting an ISDN line; buying advertising and marketing products, like postcards to send out to customers.
Lasting objectives, consisting of future profits objectives and also moneying your retired life. Identifying your lasting objectives will certainly assist you to the activities required to obtain them. If you do not have one, be certain to obtain one.
That’s sufficient to obtain you began. There are a lot of publications on narrations to assist you finish your strategy. See your regional book shop or go online.
As you can see, you can begin your narration company permanent or part-time. With a little preparation– and also venture capital– you’ll get on your means. Enjoy!
July 2004

No, it isn’t, however it’s the most essential item of the company begin up challenge, and also it uses to every kind of startup, not simply voiceovers. There’s constantly a hold-up in between the beginning day of your voiceover service as well as when cash in fact begins coming in.
The quantity of resources (seed cash) required to begin up as well as maintain the company afloat. You’ll require sufficient to maintain the service afloat till you damage also after that begin making cash, rather of simply paying it out in expenditures.
As you can see, you can begin your narration company permanent or part-time.

Decreasing Debt Before It’s Too Late … How To Avoid The Pitfalls Of Creeping Debt

Minimizing Debt Before It’s Too Late … How To Avoid The Pitfalls Of Creeping Debt

Decreasing financial debt typically isn’t a high top priority for individuals till they have actually currently entered difficulty with overspending. Utilizing a couple of standard standards, as well as financial obligation estimations, can assist you see when your financial debt tons is getting involved in the risk area.
Budgeting Guidelines
Off, financial institutions make use of budgeting standards when accepting and also assessing credit scores. You have a greater danger of debt applications being rejected if your financial debt goes beyond the economic neighborhoods suggested standards.
Obtaining, and also maintaining, your financial obligation according to advised budgeting standards, is a crucial action in financial obligation decrease. Utilize the adhering to advised budgeting standards (the exact same ones utilized by Financial Institutions) to assess the products in your budget plan:
Real estate 35% – Mortgage or rental fee, tax obligations, fixings, renovations, insurance coverage, as well as energies;
Transport 20% – Monthly repayments, gas, oil, repair services, insurance policy, car park & public transport;
Financial obligation 15% – Credit cards, individual financings, trainee financings & various other financial obligation settlements;
All various other expenditures 20% – Food, insurance coverage, prescriptions, physician & dental practitioner expenses, garments & individual;
Investments & Savings 10% – Stocks, bonds, money gets, retired life, rental realty, art, and so on
. Financial Obligation Income Ratios
The 2nd action is computing your financial obligation revenue proportion. You will certainly recognize simply exactly how essential financial obligation lots is to your total monetary image as soon as you recognize what your proportion is. Your financial debt earnings proportion is the percent of your regular monthly take-home income that mosts likely to paying financial debts.
You compute it by taking the quantity required to settle financial obligations monthly, consisting of rental fee or home loan, and also divide by your net income (your take-home pay after tax obligations). Keep in mind, this is “Debt” proportion, so just consist of real financial debt payment in the estimation.
Debt To Debt Ratio
Since you pay off a credit history card is no factor to shut your account, simply. One unknown reality concerning the Credit to Debt Ratio is the reverse result it carries your credit history. If you settle a bank card, as well as shut the account, you are really adversely influencing your credit report.
The factor for this unfavorable result remains in the computation of the Credit to Debt Ratio itself. This proportion is the connection of your financial debt total amount vs. your credit line.
You determine it by splitting the complete credit line of all charge card and also financing accounts by the total amount of the real financial debt (invested overall). Currently, if you repay a charge card, you are lowering the real financial obligation, which is terrific, however, if you shut the account, you are additionally considerably decreasing the credit line you have, as well as generally by a greater portion than the financial obligation decrease.
Pay Yourself
Vital to lasting economic success, as well as securing your future, is paying on your own. Financial obligations and also various other monetary responsibilities, cash for enjoyment, and also various other investing constantly appear to take a greater top priority. Assume concerning it, if you aren’t worth being paid initially, after that is?
Snowball The Credit Cards
Paying simply $10 added a month on a credit scores card, over the minimum necessary repayment, can reduce your settlement term in fifty percent, if not even more! Press out that added settlement, nonetheless little, every month, and also take benefit of the compounding impact of snowballing your financial obligation away.
Bear in mind, you do not need to be a monetary whiz to recognize what’s happening with your debt as well as financial obligation. Simply a couple of basic estimations, as well as an eye on the future, will certainly go a lengthy method to aid you do well economically as well as maintain your financial obligation controlled. Be secure, be clever, do the mathematics!

The 2nd action is computing your financial obligation revenue proportion. When you recognize what your proportion is, you will certainly recognize simply exactly how essential financial obligation lots is to your general monetary photo. Your financial debt revenue proportion is the percent of your regular monthly take-home pay that goes to paying financial obligations.
One little well-known reality regarding the Credit to Debt Ratio is the reverse result it has on your credit scores rating. Bear in mind, you do not have to be a monetary whiz to comprehend what’s going on with your credit report as well as financial obligation.

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How to Qualify for a Business Loan: What Matters and What Doesn’t

Most agree, when you start wondering how to qualify for a business loan, the waters can become muddied with things that do not really matter.  As a result, it can be hard to distinguish between what really matters, and what doesn’t. In fact, many factors affect whether or not you qualify for a business loan.

How to Qualify for a Business Loan: What Really Matters?

Truly, there is a lot of conflicting information out there on how to qualify for a business loan.  Is it business credit? Is it personal credit? What else makes a difference? Can you get a loan without business credit?  Do you really need a business plan? What reports are they looking at? Let’s clear some of this up. 

How to Qualify for a Business Loan: What You Don’t Know Can Hurt You

First, you need to know that there are probably a lot of things that make a difference in how to qualify for a business loan that you don’t even realize.  At first glance, a lender is going to consider fundability. Usually, most borrowers think this has only to do with your credit score. However, there are many layers to fundability.  Together, they can all make a difference in whether or not you are approved. 

 Find out why so many companies use our proven methods to get business loans. 

How to Qualify for a Business Loan: Understanding Fundability

Not surprisingly, one of the main things about fundability that most business owners do not realize is that it actually starts with how your business is set up.  For example, even the address and telephone number you use for your business can affect fundability. 

Set Your Business Up to Be Fundable

 To help, here are some things to consider when setting up your business to appear fundable. 

  • Contact Information

It has to be separate from your personal contact information. 

  • EIN

If you don’t know, this is the equivalent of an SSN for your business. 

  • Incorporate

It’s true, you have to incorporate as either an LLC, and S-corp, or a corporation.  

  • Business Bank Account

A dedicated business bank account is vital to fundability. 

  • Licenses

Make sure you have all the licenses you need to operate your business. 

  • Website

You need a professionally designed website and an email address with the same URL. 

Honestly, this is a super simple summary.  Get more details on how to set up your business to be fundable here.

Other Things that Affect Fundability

In addition to how your business is set up, there are about a million other things that can affect the fundability of your business.  They can all be broken down into the following categories. 

Business Credit Report

This is the credit report, much like your consumer credit report, that details the credit history of your business.  It is a tool to help lenders determine how credit worthy your business is.  

Where do business credit reports come from?  There are a lot of different places. Still, the main ones are Dun & Bradstreet, Experian, Equifax, and FICO SBSS.  Consequently, you have no way of knowing which one your lender will choose. As a result, you have to make sure all of these reports are up to date and accurate. 

Other Business Data Agencies 

There are other business data agencies that affect those reports indirectly.  This is in addition to the business credit reporting agencies that directly calculate and issue your credit reports.  Two examples of other agencies include LexisNexus and The Small Business Finance Exchange. They gather data from a variety of sources, including public records.  What does this mean for you? It may surprise you, but they could have access to information relating to automobile accidents and liens, among other things. You cannot access or change the data the agencies have on your business.  However, you can ensure that any new information they receive is positive. Enough positive information can help counteract any negative information from the past. 

Identification Numbers 

In addition to the EIN, there are identifying numbers that go along with your business credit reports.  You need to be aware that these numbers exists. Some of them are simply assigned by the agency. One, however, you have to apply to get.  It is absolutely necessary that you do this. 

Dun & Bradstreet is the largest and most commonly used business credit reporting agency.  Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website. 

Business Credit History

Your credit history has everything to do with all things related to your credit score.  Of course, this is a huge factor in the fundability of your business.  

Credit history consists of a number of things including: 

  • How many accounts are reporting payments?
  • How long have you had each account? 
  • What type of accounts are they?
  • How much credit are you using on each account versus how much is available?
  • Are you making your payments on these accounts consistently on-time?

Of course, the more accounts you have reporting on-time payments, the stronger your credit score will be. 

Business Information

On the surface, it seems obvious that all of your business information should be the same across the board everywhere you use it.  However, when you start changing things up like adding a business phone number and address and incorporating, you may find that some things get missed. 

 Find out why so many companies use our proven methods to get business loans. 

This is a problem.  A lot of loan applications are turned down each year due to fraud concerns simply because things don’t match up.  For example, maybe your business licenses have your personal address but now you have a business address. That needs to be changed.  Maybe some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the correct information?  

The key to this piece of the business fundability is to monitor your reports often.   When it comes to business credit reports, you can monitor through the reporting agencies directly, or save money here. 

Financial Statements

First, both your personal and business tax returns need to be in order.  Not only that, but you need to be paying your taxes, but business and personal.  

Business Financials

Typically, it is best to have an accounting professional prepare regular financial statements. Having an accountant’s name on financial statements helps your business look more credible and legitimate. If you cannot afford it monthly or quarterly, then at least have professional statements prepared annually. Then, they will be there whenever you need them. 

Personal Financials

Usually, this is just tax returns for the previous three years.  That is the bare minimum you will need. Other information lenders may ask for include check stubs and bank statements. 

Bureaus

There are other agencies that hold information related to your personal finances that you need to know about.  Everyone knows about FICO. Your personal FICO score needs to be as strong as possible. It really can affect business fundability and almost all traditional lenders will look at personal credit in addition to business credit. 

Other than that, there is also ChexSystems.  They monitor bad check activity, and that can affect your bank score.  If you have too many bad checks, you will not be able to open a bank account.  That will cause serious fundability issues. 

For this point, everything comes into play.  Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record?  How about liens or UCC filings? This all affects fundability. 

Personal Credit Historyhow to qualify for a business loan Credit Suite

Your personal credit score from Experian, Equifax, and Transunion affects fundability as well.  If it isn’t great right now, get to work on it. The number one way to get a strong personal credit score or improve a weak one is to make payments consistently on time. 

Also, make sure you monitor your personal credit regularly to make sure mistakes get corrected and that there are no fraudulent accounts reporting. 

Application Process

So much plays into this that you may not even think about. First, consider the timing of the application.  Is your business currently fundable? If not, do some work first to increase fundability. Next, ensure that your business name, business address, and ownership status are all verifiable.  Lenders will check that. Lastly, make sure you choose the right lending product for your business and your needs. Do you need a traditional loan or a line of credit? Would a working capital loan or expansion loan work best for your needs?   

How to Qualify for a Business Loan: Choose the Right Product and the Right Lender

This  falls into that application process section of fundability.  You have to know what you need, what you are eligible for, and what type of lender will work best for your needs.  This will help you know where to apply and what to apply for, so that you can have the best possible chance of qualifying. 

How to Qualify for a Business Loan: Choose the Right Type Business Loan

When it comes to business loans, these are the general types of products available. 

Traditional Loans

These are the standard loans that disperse as a set amount of funds, with the borrower repaying with equal payments over a certain period of time.  These can be secured or unsecured.

Line of Credit 

This is revolving debt similar to credit cards.  Borrowers are given a maximum limit of the amount of funds they can use, but only pay back the amount that they actually use.  

Invoice Factoring

Factoring invoices is an option if you have receivables.   The lender basically buys unpaid invoices from you at a premium, meaning you do not get full value.  However, you do get fast cash.

Merchant Cash Advance

If you accept credit card payments, a merchant cash advance can help you out in a cash pinch.  It is basically just what is says. It’s a cash advance on predicted credit card sales. They base the amount of the loan on average daily credit card sales, and then take payment from future credit card sales. 

 Find out why so many companies use our proven methods to get business loans. 

How to Qualify for a Business Loan: Choose the Right Type of Lender

 A lot of business owners think that a bank is their only option.  There are a few different types of lenders to consider however. 

  • Large Commercial Banks

  • Community Banks

  • Credit Unions

  • Private Lenders

Of course, which one of these you use will depend on your specific needs and qualifications.

How to Qualify for a Business Loan: You Need an Awesome Business Plan

While there are forms available from most lenders for you to simply write in information related to your business plan, that’s not the best way to do it.  A professionally written, complete business plan makes a far better impression on a lender. This is true even if you are an established business applying for a loan.  The only difference is, you will write a plan for how you will use the funds in relation to your current business rather than a business you intend to start. In general, a complete and professional business plan contains the following. 

Opening 

First comes the opening. It includes an executive summary, a more detailed description of the business, and your strategy for getting started.  

Market Research 

Next, there is a section for market research.  As you might guess, this section consists of market analyses including an analysis of your audience and an analysis of any existing competition. It will tell what need exists, how you will fill it, and how you will fill it better than the competition.

How to Qualify for a Business Loan: The Plan 

This can also be broken down into two parts. 

Plan for Design and Development

This is your plan from start to finish.  It discusses what steps are you going to take. In comparison, this is more detailed than your strategies section.

Plan for Operation and Management

This is where a number of questions are answered in relation to the management of the business.  For example, who will own or does own the business? Furthermore, who will run or currently runs it from day to day? It could be as easy as stating that you are the sole owner and operator.  In contrast, it could be as complicated as laying out a complete partnership plan or board or directors’ format. Truthfully, it just depends on your specific business. 

Financials

Lastly, this section includes current financials, projections, and a budget plan for the loan funds you are applying for.  As you can imagine, lenders want to see that you know how to handle and funds you get. Furthermore, they want to know that you have a plan for paying them back.

Take note, if you are not a great writer, you may need to hire a writer to help you with this.  If you have no clue how to do market research, you may need to outsource that piece as well. Thankfully, most small business development centers offer help with business plans also.  Go here to find an SBDC near you. 

How to Qualify for a Business Loan: Wrap Up

Hands down, the absolute first step in the process has to be to do an analysis of fundability. Then, you will know where you stand. As a result, you will have a better idea of what you may need to do to increase fundability.  Also, you will have a better understanding of what type of lender you need to go with and which type of product will best fit your needs.  Then, you can get to work on your business plan. Remember, while nothing is guaranteed, following these steps can help increase your chances of loan approval immensely. 

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