Month: May 2020

Ubersuggest Chrome Extension

Please note: Once you install the extension all you have to do is go to Google and perform a search. That is where you’ll see data.

It’s been a long time coming. And now, it is finally here.

Today, I want to introduce you to the Ubersuggest Chrome Extension.

From being in the SEO industry for over 21 years now, I know that it would be more convenient to do your SEO research while you are browsing the web or searching Google than constantly having to come back to Ubersuggest.

That’s why I created this Chrome extension.

So, what’s inside the Chrome extension?

Well, the easiest way to know what’s included (it’s free), is to just go and install it and test it out.

But here’s what’s included…

Keyword overview

When you are searching Google, you’ll see an overview within the search bar.

You’ll see the monthly search volume and the cost per click for that keyword.

When you click the “view all” link, you’ll see a detailed overview for that keyword.

The graph breaks down the total monthly search volume. What’s cool about the chart is that it shows you both the monthly mobile searches and desktop searches.

And above the graph, you’ll get metrics on how hard that keyword is to rank for (SEO Difficulty) and how competitive that keyword is from a paid advertising (Paid Difficulty) standpoint.

Under the graph, you’ll also see 2 bar graphs. The first one breaks down whether or not people are clicking on the SEO results, paid results, or not clicking anywhere at all.

The second one shows data on the age range of all of the searchers.

Link overview

Above the organic results, you’ll see a speech bubble that breaks the average authority of the sites that are ranking (domain score) and the average number of referring domains the top 10 results have (backlinks).

If you want a more detailed overview, you’ll see a graph in the sidebar that breaks down how many referring links each of the top 10 listings have.

Keep in mind the link metrics are based on referring domains. So, if a website has 100 links from the same domain name, it will only count as 1. Because what really matters when it comes to SEO is how many unique, relevant sites you can get to link to you as opposed to having the same site linking to you over and over again.

Even more keyword data

In the sidebar, you’ll also find even more keyword data.

You’ll see a list of other popular keywords that are similar. You’ll also get metrics on each keyword… from how often it is searched (volume), to what it would cost to bid on that keyword (CPC), to how difficult the keyword is from an SEO standpoint (SD).

And if you scroll to the very bottom of the screen, you’ll see a list of related keywords that Google provides.

Again, you’ll be provided with data like search volume, cost per click, and SEO difficulty data.

URL metrics

Whenever you perform a search on Google, you, of course, see a list of websites that rank for that keyword.

As you can see, under URL you see the authority of the website (domain score), how many Pinterest and Facebook shares the URL has, and how many unique domains are linking to that result.

What’s cool is you can click on the “down arrow” next to the link count and see the exact list of sites linking as well as their domain score and anchor text they used for the link.

Pick your country and language

The last feature in the extension is that you can change your location and language.

All you have to do is click the “Settings” link in the sidebar.

You’ll see a long list of languages and countries that you can choose from.

No matter what version of Google you are using, such as Google.com.br or even Google.co.in, you’ll see SEO data whenever you perform a search.

Conclusion

I have some more big changes coming to the extension in the near future but I would love to hear what you think about it so far.

And if you have any feature requests, just leave a comment below. That way we can prioritize what we add to the extension next.

So go checkout the Ubersuggest extension and give it a try.

What do you think of the extension? What other features would you like me to add?

The post Ubersuggest Chrome Extension appeared first on Neil Patel.

Soteris (YC S19) – hiring employees #3-5 in SF to lower insurance pricing

Hi – my name is Sunit. I founded Soteris because the way insurance rates are currently set results in massive inefficiencies that increase prices for policyholders like you and me. From years of experience, I know for a fact that a machine learning approach is orders of magnitude better than what the largest insurers do – and our customer list is proof of that claim.

Before Soteris, I built a $750 million property and casualty (everything that’s not life or health) insurance company from scratch, out of a $16 billion hedge fund called Pine River Capital. This gave me deep visibility into how insurance works, through which I saw firsthand how much of the insurance value-chain is terribly outdated and littered with processes that might have made sense in 1920 – but are way past their prime in 2020.

These inefficiencies lead to increased prices for policyholders, and they can all be solved by better use of existing data, so I started Soteris to do just that. In a short time, Soteris showed its first customer that our software could solve these problems to the tune of more than doubling their policy profitability. They plan to drop rates for at least 80% of their applicants as a direct result of the efficiencies Soteris’s software provides. I think that’s pretty cool.

Soon after, Soteris signed two enterprise production contracts providing almost $1m in contract revenue – at which point it was still just me at the firm, so I started to build out the team from there.

Today that team is two PhDs with over 20 combined years of experience deploying algorithms in financial markets. We just raised a large round from a number of top investors, including YC, Amplify Partners, Khosla Ventures, and Data Collective. Combine that with a lot of early revenue and a low burn rate, and we have a long, ample runway to execute our mission. What else would you expect from a team from finance?

WHAT YOU’LL DO

We’re primarily looking to build the team along two verticals: machine learning and back-end infrastructure. We work in Python, but the specific toolset you’ve used is less critical than your ability to adapt. You’d be doing the following:

* Defining our technical strategy and direction during a critical period in our growth

* Helping build and maintain our cloud infrastructure

* (ML specifically) Building the algorithms we use to produce the output and analysis that we feed back into customer workflows, including data exploration, model selection, hyperparameter tuning, and iterative analysis

* Creating data processing pipelines to simplify the onboarding and normalizing of highly heterogeneous customer data sets

* Establishing the coding standards and agile and collaborative engineering culture and that will allow the whole team to thrive

* Setting up our processes to optimize the accuracy/speed-of-delivery tradeoff as you see fit (e.g. unit tests, automation, our code review process, etc.)

* Working with clients to understand requirements, formulate use-cases, and build pragmatic solutions

If you’re interested, please apply here: https://www.soteris.co/#careers

Comments URL: https://news.ycombinator.com/item?id=23238469

Points: 1

# Comments: 0

Caper (YC W16) Is Hiring a Site Reliability Engineer (Remote OK)

Article URL: https://recruiterflow.com/caper/jobs

Comments URL: https://news.ycombinator.com/item?id=23317252

Points: 1

# Comments: 0

Business Fundraising: What You Didn’t Learn in Kindergarten

Most of us grew up hearing that we could do anything we wanted.  That’s the beauty of capitalism. With American business lending, anyone can start a business. We are told all we need is a great idea, and with a lot of hard work and a business loan, we can turn that idea into a thriving livelihood.  The thing is, the business fundraising piece isn’t as easy as we may have thought. 

Business Fundraising Hinges on Fundability

I mean, the majority of us are smart enough to know that not all new businesses see success.  We also know getting investors and loans is not always easy. The thing is, no one tells us what to do if business fundraising turns out to not be as easy as we thought.  No one really gives any options, which means when we hit that first brick wall of a lender turning us down for a loan or an investor saying no, we don’t know what our next move should be.

Get our business credit building checklist and build business credit the fast and easy way.

Business Fundraising: Why Loans Don’t Always Work

For starting up a small business, the first stop on the business fundraising train is typically the bank.  You go in, fill out a business plan, and hope for the best. If your personal credit is stellar, you are golden.  If not, you have a problem.  

That’s why traditional loans do not always work.  If your personal finances cannot handle the up-front expense of starting a business, and you do not have investors, you have to find another way. This is the part that no one tells you.  How on earth do you start a business if you cannot get a business loan based on your personal credit. 

Business Fundraising: Loans to Apply for When Traditional Loans Will Not Work

Okay, so, here’s the thing.  You are going to have to get your business going a little at the time, on your own.  Surprisingly, this strange economy created by the coronavirus is prime for this.  Maybe you take on a few clients or sell to a few customers in your spare time. Who knows?  You need to be in business for at least 6 months before you start applying for these types of loans.  In fact, some require a year in business and a minimum revenue.  

They key is, you get started, and you get started on your own.  Then you figure out where you can turn for business fundraising to grow your business further.  If you hit the one year in business mark, you may qualify for SBA loans.

Business Fundraising: SBA Loans

The Small Business Administration is designed specifically to help small businesses.  Whether you need working capital or a natural disaster has struck, the SBA can help. 

Overall, there’s a wide range of products offered through SBA programs.  Typically, the SBA does not lend funds directly. Conversely, they work through lender partners to guarantee loans. This means, they are able to leave the administration of the loans and disbursement of funds to those who regularly handle that sort of this.

7(a) Loans

This is the Small Business Administration’s most popular loan program. It offers federally funded term loans of up to $5 million. Additionally, the funds can be used for expansion, purchasing equipment, working capital and more. Banks, credit unions, and other financial institutions, in partnership with the SBA, process these loans and distribute the funds. 

A credit score of 680 is necessary to qualify.  In addition, there is a required down payment of at least 10% for the purchase of a business, commercial real estate, or equipment. Lastly, the minimum time in business is 2 years. Business experience equivalent to two years will do the trick for startups, so this is one you don’t have to wait for if you have experience. 

504 Loans 

These loans are available up to $5 million.  Funds can buy machinery, facilities, or land. Generally however, they are for expansion. Private sector lenders or nonprofits handle these loans. They especially work well for commercial real estate purchases. 

Microloans 

Microloans are available in smallter amounts. They go up to $50,000. Typically, they work well for starting a business, purchasing equipment, buying inventory, or for working capital. Community based non-profits administer microloan programs. Unlike the others, financing comes directly from the Small Business Administration.

Even though SBA loans have less stringent requirements, sometimes they still won’t do the trick.  What then? 

Business Fundraising: Private Loans to the Rescue

If you see that you do not qualify for SBA Loans, private loans could be an option.  They should be the second option for business fundraising, after SBA loans. Here’s why.  They typically have higher interest rates and less favorable terms than traditional and SBA loans.  That’s the downside. The upside is that their eligibility requirements are even easier to meet than SBA loans, making them a viable option if you do not qualify for other types of financing. 

There are lots of private lenders out there, but be careful.  Do your research, check the Better Business Bureau, and read reviews so that you know what you are getting into.  Some of them are fine, but there are a lot of bad seeds in this category as well. Proceed with caution. Here’s a list of lenders to get you started. 

Fundation

Fundation offers an automated process that is super-fast. Originally, they only had invoice financing. Then they added the line of credit service. Repayments are automatic, meaning they draft them electronically.  This happens on a weekly basis.  One thing to remember is that you could have a repayment as high as 5 to 7% of the amount you have drawn, as the repayment period is comparatively short.  

You can get loans for as little as $100 and as high as up to $100,000, but the max original draw is $50,000.   They do have some products that go up to $500,000.  There is no minimum credit score requirement, but they require at least 3 months in business. Also, $50,000 or more in annual revenue and a business checking account with a minimum balance of $500 are necessary.

Fundation reports to Dun & Bradstreet, Equifax, SBFE, PayNet, and Experian, making them a great option if you are looking to build or improve business credit. 

BlueVine

The minimum amount available from BlueVine is $5,000 and loans go up to $100,000.  You must have annual revenue of $120,000 or more.  In addition, the borrower must be in business for at least 6 months. The personal credit score minimum is 600. It is also important to know that BlueVine does not offer a line of credit in all states. 

They report to Experian.  They are one of the few invoice factoring companies that will report to any business credit bureau. 

Get our business credit building checklist and build business credit the fast and easy way.

OnDeck

With OnDeck, applying for financing is fast and simple. You apply online, and you will receive your decision once the application processing is done. Loan funds go directly to your bank account. The minimum loan amount is $5,000 and the maximum is $500,000.

The personal credit score requirement is 600 or more.  Also, you must be in business for at least one year. The annual revenue requirement is at least $100,000. In addition, there can be no bankruptcy on file in the past 2 years and no unresolved liens or judgements. 

OnDeck reports to the standard business credit bureaus.

Business Fundraising: How to Not Worry About It

Okay so, that’s how to make it work in the beginning.  Still, wouldn’t it be great to not have to worry about it? How would it feel to know that, if you needed a business loan, you would have no trouble getting one?  How does that even happen? 

While there are no guarantees in life, the best chance you have at making this happen is to build strong business fundability. That is your ability to get funding for your business based on the merits of your business and not completely on your own personal finances.   To do this, you have to understand exactly what it is that makes your business fundable. There are a lot more working pieces than you may imagine. 

Business Fundraising: Fundability

The first step in building fundability has to do with how you set up your business.  Regardless of whether you are just getting started or if you have been operating for ages, if these things are not done, do them now.  The sooner the better. You cannot build business fundability if you do not establish your business as an entity separate from yourself, and that doesn’t just happen.  You have to make it happen. 

Don’t Share Contact Information with Your Business 

Make  sure your business has its own phone number, fax number, and address.    That doesn’t mean you have to get a separate phone line, or even a separate location.  You can still run your business from your home or on your computer. There are options for virtual business addresses and internet based phone numbers that will serve these purposes nicely.

Apply for an EIN

Next, get an EIN for your business.  This is an identifying number for your business that works in a way similar to how your SSN works for you personally.  It’s free from the IRS.

Incorporation is Non-Negotiable

You have to incorporate your business as an LLC, S-corp, or corporation. Which option you choose doesn’t really make a difference for fundability.  However, it can make a difference for your budget and needs for liability protection.  Talk to your attorney or a tax professional about which one will work best for your business. 

 You are going to lose any time in business that you already have.  When you incorporate, you become a new entity.  You basically have to start over. You’ll also lose any positive payment history. This is why you have to incorporate as soon as possible.  

Separate Bank Accounts

Open a separate, dedicated business bank account.  There are a lot of reasons for this, but the first one is that it creates the separation you need to start building business credit, which is necessary to fundability.  

Licenses

A legitimate business should have all of the licenses it needs to run.  If it doesn’t, red flags are going to go up all over.  Research what you need to do to ensure you have all of the licenses necessary to legitimately run your business at all levels. 

Website

Spend the time and money necessary to make sure your website is professionally designed and that it works.  Also, splurge and pay for hosting. Don’t use a free hosting service.  Along these same lines, your business needs a dedicated business email address.  Make sure it has the same URL as your Website. Don’t use a free service such as Yahoo or Gmail. 

What Else Affects Fundability?

While setting up your business in this way is vital, there are a host of other things that affect fundability. Here’s a brief rundown. 

  • Business Credit Reports

This is a cornerstone of fundability.

  • Other Business Data Agencies 

Two examples of this are LexisNexis and The Small Business Finance Exchange. 

  • Identification Numbers 

Specifically a D-U-N-S number.  Get one on the D&B website. You cannot have a business credit file with Dun & Bradstreet without one.  Since they are the largest and most commonly used business credit agency, you have to get this number.

  • Business Credit History

This includes how many accounts you have, what types of accounts, and whether or not you pay on time. 

  • Business Information

Not only do you have to have separate contact information for yourself and your business, you need to be consistent with when and where you use it.  For example, if a business account has your personal address on it, it could cause problems. Be sure to keep everything up to date. 

  • Financial Statements
  • Business Financials
  • Personal Financials
  • Bureaus

One example is ChexSystems, which keeps track of bad check information.  

  • Personal Credit History
  • The Application Process

This is everything to do with the application from when you apply to which lending products you choose to apply for.

Get our business credit building checklist and build business credit the fast and easy way.

Business Fundraising: Don’t Let the Traditional Loan Brick Wall Stop Youbiz fundraising Credit Suite

If you hit a brick wall with traditional loans, don’t despair. Don’t let problems with business fundraising stop you.  Just fix the problem. There are other options. In addition to these financing options and finding investors, you can explore grants and crowdfunding.  While the fierce competition with each can make it hard, they are still viable options. However, you have to start working on fundability now, wherever you are in the life of your business.  If you do, one day you will not have to worry about business fundraising. You will be able to access all you need.

The post Business Fundraising: What You Didn’t Learn in Kindergarten appeared first on Credit Suite.

Debt Help For Mortgage Financing

Credit Scores Help For Mortgage Financing Funding a brand-new home mortgage? Be cautious of “aggressive loan providers.”In November 2005, Montgomery County, Maryland’s region council established regulation to broaden the groups of inequitable financing tasks connected with inequitable real estate techniques as well as enhanced the optimum penalty for such tasks from $5,000 to $500,000. The …

Debt Help For Mortgage Financing

Credit Scores Help For Mortgage Financing

Funding a brand-new home mortgage? Be cautious of “aggressive loan providers.”
In November 2005, Montgomery County, Maryland’s region council established regulation to broaden the groups of inequitable financing tasks connected with inequitable real estate techniques as well as enhanced the optimum penalty for such tasks from $5,000 to $500,000. The council sited techniques such as billing excessive quantities for early repayment charges, factors, as well as fines; guiding consumers towards much more costly home loans; and also re-financing present home mortgages with brand-new ones that customers will not have the ability to pay off based upon their earnings or credit score.
Predacious lending institutions normally target what’s called the nonprime home loan market, where individuals with poor credit rating documents attempt to obtain cash for houses in much less preferable communities, which implies that it’s typically minority teams, such as African-Americans and also Latinos, that are the targets of aggressive loaning techniques.
February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to establish regulation concerning home loan loaning techniques– although the AFSA went on document as opposing violent as well as biased financing techniques. The brand-new legislation was expected to work the 2nd week in March, yet home mortgage lending institution attorneys convinced a court to postpone the brand-new legislation, pending a hearing. It’s yet to be established if the Montgomery County regulation will certainly stay on the publications.
No matter of the result in Montgomery County, nevertheless, predacious borrowing techniques are unlawful in the majority of states. An additional typical method is firmly insisting that debtors likewise buy such points as debt life insurance coverage or various other items– once more, mainly made to produce even more revenue for the loan provider.
The lower line is that there are offering organizations that make a lot of cash by billing added charges to those customers that can the very least manage them, thus either robbing those debtors of the American desire for own a home or, even worse yet, establishing them up for ultimate repossession.
As the realty market decreases and also rate of interest approach, it’s more vital than ever before to come to be an educated customer. Find out the essentials of home mortgage loaning, so you’ll understand when you’re being billed excessive for a finance or for points you do not require. Search to see what’s readily available, and afterwards see to it you’re comfy with your financing repayment, due to the fact that you’ll be paying that quantity for several years.
Copyright © & duplicate; 2006 Jeanette J. Fisher

February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to pass regulation relating to home loan borrowing methods– although the AFSA went on document as opposing violent and also prejudiced loaning methods. The brand-new legislation was expected to take result the 2nd week in March, however home mortgage loan provider attorneys convinced a court to postpone the brand-new regulation, pending a hearing. Find out the fundamentals of home mortgage loaning, so you’ll recognize when you’re being billed as well a lot for a finance or for points you do not require.

The post Debt Help For Mortgage Financing appeared first on ROI Credit Builders.

Debt Help For Mortgage Financing

Credit Scores Help For Mortgage Financing

Funding a brand-new home mortgage? Be cautious of “aggressive loan providers.”
In November 2005, Montgomery County, Maryland’s region council established regulation to broaden the groups of inequitable financing tasks connected with inequitable real estate techniques as well as enhanced the optimum penalty for such tasks from $5,000 to $500,000. The council sited techniques such as billing excessive quantities for early repayment charges, factors, as well as fines; guiding consumers towards much more costly home loans; and also re-financing present home mortgages with brand-new ones that customers will not have the ability to pay off based upon their earnings or credit score.
Predacious lending institutions normally target what’s called the nonprime home loan market, where individuals with poor credit rating documents attempt to obtain cash for houses in much less preferable communities, which implies that it’s typically minority teams, such as African-Americans and also Latinos, that are the targets of aggressive loaning techniques.
February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to establish regulation concerning home loan loaning techniques– although the AFSA went on document as opposing violent as well as biased financing techniques. The brand-new legislation was expected to work the 2nd week in March, yet home mortgage lending institution attorneys convinced a court to postpone the brand-new legislation, pending a hearing. It’s yet to be established if the Montgomery County regulation will certainly stay on the publications.
No matter of the result in Montgomery County, nevertheless, predacious borrowing techniques are unlawful in the majority of states. An additional typical method is firmly insisting that debtors likewise buy such points as debt life insurance coverage or various other items– once more, mainly made to produce even more revenue for the loan provider.
The lower line is that there are offering organizations that make a lot of cash by billing added charges to those customers that can the very least manage them, thus either robbing those debtors of the American desire for own a home or, even worse yet, establishing them up for ultimate repossession.
As the realty market decreases and also rate of interest approach, it’s more vital than ever before to come to be an educated customer. Find out the essentials of home mortgage loaning, so you’ll understand when you’re being billed excessive for a finance or for points you do not require. Search to see what’s readily available, and afterwards see to it you’re comfy with your financing repayment, due to the fact that you’ll be paying that quantity for several years.
Copyright © & duplicate; 2006 Jeanette J. Fisher

February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to pass regulation relating to home loan borrowing methods– although the AFSA went on document as opposing violent and also prejudiced loaning methods. The brand-new legislation was expected to take result the 2nd week in March, however home mortgage loan provider attorneys convinced a court to postpone the brand-new regulation, pending a hearing. Find out the fundamentals of home mortgage loaning, so you’ll recognize when you’re being billed as well a lot for a finance or for points you do not require.

The post Debt Help For Mortgage Financing appeared first on ROI Credit Builders.

New comment by ansuman2020 in "Ask HN: Who wants to be hired? (May 2020)"

Hi myself Ansuman Samantaray. Full time penetration tester with experience of more than 10 years. Looking for active freelancing projects in cyber security. Please let me know.
ansuman.samantaray86@gmail.com

New comment by ansuman2020 in "Ask HN: Who wants to be hired? (May 2020)"

Hi myself Ansuman Samantaray. Full time penetration tester with experience of more than 10 years. Looking for active freelancing projects in cyber security. Please let me know. ansuman.samantaray86@gmail.com