Article URL: https://mux.com/jobs?hnj=stripe
Comments URL: https://news.ycombinator.com/item?id=27508240
Points: 1
# Comments: 0
Article URL: https://mux.com/jobs?hnj=stripe
Comments URL: https://news.ycombinator.com/item?id=27508240
Points: 1
# Comments: 0
As a parent, you want to do everything you can to help your child succeed. If they are running a business, you likely want to help them get funding. You probably realize that your help needs to go beyond simply providing funding yourself. Even if you can do that, you need to know how to help your children build business credit with EIN, apart from their social security number.
When you have a credit score for your business that is attached to your EIN rather than your SSN, you have access to much more business financing that you otherwise would. The thing is, a business credit score does not build passively like a personal credit score does. You have to intentionally work to establish and build a business credit profile. So, how can you as a parent help your children build business credit with EIN? Here are some dos and don’ts.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
There are many companies online which promise to sell ‘seasoned’ tradelines. If a company has poor or little credit, you can pay several hundred or several thousand dollars and have your child’s business piggybacked onto the account of someone with established excellent credit. By doing this, new business owners can seem more creditworthy than they really are. Most consider this unethical. Do not help your child buy tradelines to establish or build a business credit score.
In this scenario, a creditworthy borrower’s accounts are used to improve the credit of an unrelated, or a related, third party, like a child. A creditworthy borrower adds the third party as an authorized user of his lines of credit. But he or she does not actually provide the third party with credit cards or account numbers to let the third party make charges against that account. As a result, the authorized user never actually uses the credit
The benefit to the third party is an improved credit rating . It ‘shows’ they are already approved for higher limit revolving accounts. In theory, showing you already have credit is supposed to make you more creditworthy for higher limit accounts. Many companies claim to be able to secure $100,000 – 250,000 credit lines once these accounts are reporting. This is dishonest as well, even if it is your own accounts your child is piggybacking on, and even if you authorize it. It is viewed negatively by the Federal Reserve, the FBI, and credit companies.
A guarantor loan is a loan that you sign on to for someone else. You guarantee that you will repay if they default. Sometimes this is a better way to help a family member with funding than providing cash. Of course, if they fail to meet their business obligations, then you will bear the brunt of that – and lenders will likely come after you to make up for any losses they incur.
However, if they handle their obligations responsibility, this is a great way for someone to build a personal credit score. Even though business credit accounts do not affect personal credit, some business credit score calculations take personal credit score into account. So, this could also help strengthen the business credit sore of your child.
This is a unique type of loan that you can help your child get by signing on as a guarantor. If you have a personal credit score of at least 680, you can help your child get the Credit Line Hybrid. They can usually get a loan of five times the amount of your highest revolving credit limit account, up to $150,000. Honestly, this is more than what you could get when applying for credit cards. Furthermore, you can get cash out on this program.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
Here is the best part. There is no impact on your personal credit with this type of financing. All payments report to the business credit profile, so your child can build credit for their business associated with the business EIN without your personal credit being affected.
Now, here is the number one best way to help your children build business credit with EIN. Help them work with a business credit expert. There are very few things that are worth paying for when it comes to building credit, whether personal or business. This is one thing that is definitely worth it. Here is how a business credit expert can help your child.
Remember we said you have to be intentional about building a business credit profile. It does not happen passively like with personal credit. A business credit expert can start this process. They can review how things look right now, and help your child navigate the process of setting up their business to be a fundable entity separate from them as the owner.
This is the first step in not only establishing a business credit score, but in building an overall foundation of fundaility.
Establishing a business credit profile is just the first step. Before you can build a business credit score, you have to have accounts reporting on-time payments. It sounds simple enough. However, not all business accounts report payments. In fact, very few do. Even worse, those that do report do not make that information common knowledge.
It is absolutely essential to work with a business credit expert to find an initial net 30 account to build business credit. This is the fast way to build credit for a business. If you try to do it alone, you could have a ton of accounts that are doing your business credit score no good, because they are not reporting. You will also waste time applying for accounts and getting denied.
A business credit expert knows not only which accounts report, but they can help you start with the ones that you actually qualify for and work up to the ones that take more time.
This alone saves an enormous amount of time, and time is money.
While there is a right way to spend money to help your children build business credit with EIN, there is also a very wrong way. Never pay for tradelines, and avoid allowing your child to piggyback off your own credit. Both of these options are dishonest. They are viewed negatively by experts. Furthermore, they can only help with personal credit anyway. There really is not a way to do this to help with a business credit score.
Signing a loan as a guarantor is fine, but again, it really only helps with personal credit. While this can have bearing on a business credit score, the better way is to sign as a guarantor on the Credit Line Hybrid. Payments on this type of financing can directly impact the credit score of the business itself.
Credit Line Hybrid Financing: Get up to $150,000 in financing so your business can thrive.
In the end, the number one best way to help your children build credit with EIN is to help them work with a business credit expert. This is someone who can not only help ensure their business is properly set up to build business credit, but that can also help them find accounts that report, and work on helping them build overall fundability. Get started now with a free consultation.
The post Help Your Children Build Business Credit with EIN appeared first on Credit Suite.
Having a marketing plan isn’t enough for success. You need strategic marketing objectives to help you set, plan for and achieve your business goals. And you need to have them not just for your overall marketing plan but also for specific portions, such as paid social media marketing.
This guide will offer you a detailed breakdown of what marketing objectives are, what are the best practices for creating effective marketing objectives, and a few examples of what successful marketing objectives look like.
We have also included tips, tricks, and strategies to make your marketing plan more efficient with tried and tested marketing objectives.
Marketing objectives are a set of trackable, measurable, clearly defined goals to help you expand your business. These can include, but aren’t limited to:
Such marketing objectives often use a popular method of goal setting known as SMART. SMART stands for:
You should tailor your SMART goals to your unique situation, but here’s an example to get you restarted on your marketing objectives:
S – Specific: Visits, Leads, or Customers
Do you want to increase traffic, nurture traffic into leads, or convert leads into customers?
M – Measurable: Provide a Number
Decide on an exact number to measure and increase.
A – Attainable: Understand Benchmark
Research your past analytics to make sure the goal is realistic with your resources.
R – Relevant: Relates Back to Overall End Goal
Make sure each goal relates back to overall end goal.
T – Timely: Include a Time Frame
Pick a date that is realistic to reach your goal.
When you launch a paid social media marketing campaign, it’s essential to start with solid marketing objectives so you create a strong strategy to meet or exceed your marketing goals.
For example, if you want to increase your newsletter subscribers, focus on building a robust email sequence and craft marketing content in a way that should convince your audience to hit subscribe. Having this marketing objective clarifies your key goals and can help you build an effective social media marketing strategy.
If you don’t have any marketing objectives, you may end up wasting time, money, and effort on the wrong marketing campaign (for example, increasing passive visitors instead of engaged subscribers).
To better direct your resources toward building successful ad campaigns, you need to understand the types of marketing objectives you can set and what they mean for your business.
Marketing objectives are crucial to clarifying and meeting your business goals. This section is here to help you narrow down your choices and dig deeper into what each type of marketing objective looks like in practice.
This is one of the most common types of marketing objectives. No matter how great your business is, if customers don’t know about you, they can’t buy from you. That’s why paid social media marketing objectives aimed at increasing brand awareness often come first, especially for new business owners.
Like other marketing campaign metrics, these can be customized and measured according to your key business needs. For example, if you’re a new brand looking to increase brand awareness, you need to tailor your social ad campaigns to attract new visitors.
Here are a few examples of what a brand awareness-based marketing objective could look like:
The metrics to track these marketing objective plans are pretty straightforward. For instance, here is an example of keyword metrics tracked by Ubersuggest.
Your website’s analytics page will offer you all the details about your progress (or decline in growth) so you can adjust your marketing objectives and strategies accordingly.
If you notice you’re falling short of the goals too frequently, it may be a sign you’re setting unrealistic goals. Try to reduce the number and see what happens.
Attracting new visitors isn’t enough; you must find a way to make them stay (and eventually convert). If you’re at that stage, you can create marketing objective plans to improve on-page retention and increase your number of regular visitors.
Here’s what that goal could look like:
This graphic by CXL explains how to calculate your click-through rates.
Fortunately, most websites today track visitors, making it easy to see if your marketing objective plan is working. If you find a particular metric is hitting the mark, regroup and consider what needs to be fixed.
Once somebody starts visiting your page regularly, that’s a great time to ask them to subscribe to a premium level of whatever you offer. They’re already a free subscriber showing interest in your products, so they may be more likely to subscribe to your paid service than new users who don’t know or care about your business.
Marketing objectives to increase subscribers could look like:
You can track these metrics from your subscription services’ analytics page to see what is working and what needs to change.
When you launch a new product or service, you have an opportunity to create a timely and relevant paid social media marketing campaign.
If you’ve just launched (or are planning to launch) something new, here are a few marketing objectives you can set:
Such marketing objectives and strategies are often time-bound and only last for a few weeks or months, but you should track them like you would a long-term campaign to learn what works and what needs to be improved upon for the next time you run a short campaign.
Now that you’ve launched your new product and successfully promoted it, it’s time to focus on increasing sales. Most companies across several industries think of increasing sales when they discuss marketing.
Although marketing can serve several purposes, most businesses primarily use paid social media campaigns to boost sales, so this step is quite important.
If you’re at a stage where you’re prioritizing sales, here are a few examples of marketing objectives aimed at boosting sales:
These marketing objectives can be directly tracked by how many units or subscriptions you sell. We recommend keeping track of your results to know which marketing objectives and strategies work best for you.
Even if your sales have increased, it doesn’t mean your revenue necessarily has. If you notice you’re not meeting your revenue goals, it’s time to devise new SMART goals, such as:
Here’s an example of how these marketing objectives can be tracked, explained through a graphic by Chorus.ai.
Once you’ve set practical marketing objectives and begun working on your paid social media marketing campaign, you may notice the customers still aren’t converting. Maybe you’re attracting ample visitors, but your repeat customers are low. Perhaps you have a growing number of subscribers, but your customer acquisition cost is too high.
In these cases, it helps to set marketing objectives to optimize your conversion funnel. Here are a few examples:
You can track these metrics by closely observing your conversion funnel. Note which step of your funnel is losing visitors and aim to fix that with one of these marketing objectives.
Today, 2.14 billion people shop online, making digital marketing essential. If you have a successful brick-and-mortar business and want to expand your digital reach, this marketing objective could be right for you.
Here are a few helpful examples of what digital reach marketing objectives could look like:
These marketing objectives can be tracked by recording and comparing your social reach.
Most social media platforms like Twitter and Instagram offer free analytics to help you understand how your audience interacts with your content. Use this data to adjust your marketing objectives and strategies.
If you’re launching a new product or service that could benefit users abroad, create a marketing objective to reach geo-targeted audiences. Once you’ve defined the demographics you wish to reach, you can set the following marketing objective plans:
Understanding international markets can be tricky, so you may have to experiment with marketing objectives and strategies before finding something that provides the best return on your investment.
Once you have an effective conversion funnel that meets your sales, revenue, and engagement goals, you can look for ways to increase each users’ on-site time. The more time somebody spends on your page, the more they’re likely to come back and buy something from you.
For this, you can set marketing objectives like:
You can track how long visitors stay on your page through your website’s built-in analytics tool. Measuring your marketing objectives solely through on-site time can be tricky, though, as many people leave their tabs open or are too busy to give their full attention to your page. So, we recommend you don’t focus on this objective too heavily unless you’ve completed all the others we discussed above.
Now that you understand the 10 essential marketing objectives, it’s time to choose one for your company.
When selecting a marketing objective, consider your business goals. Ask questions like: Do you need to increase sales, or should you prioritize social engagement?
Consider the entire team’s perspectives before honing in on one goal.
Narrow your options to the top three choices you can work with.
Start with one to see what works and what needs to change. If your goals aren’t supporting your overall growth plans, tweak and try again.
Setting goals should be an on-going process, not a one-time deal.
If you want to increase the effectiveness of your paid social media marketing objectives, make sure you:
This guide covered a ton, but you’ve still got questions. Here’s a quick FAQ to help you get started.
How many marketing objectives you set depends on your business goals and planning capacity. Larger businesses with bigger teams may be able to plan and execute multiple marketing objectives and strategies at once. In comparison, newer businesses with smaller teams might perform better by working on one goal at a time.
When you launch a new social media ad campaign, involve everyone in the decisions about marketing objectives. The leaders and managers should specify the big-picture goals, while the marketing team can dig deeper into the details of how to execute your businesses’ marketing objective plans.
Every company prioritizes different goals at different stages of its growth. Creating brand awareness and expanding your digital reach could be solid marketing objectives to aim for if you’re a new business. If you’re an established company, increasing sales and profits may better serve your key business goals.
If you notice your company is consistently falling short of your marketing objectives, it’s a sign warning you to change strategies. If you’re significantly behind your goals, it may be better to change your marketing objectives entirely. Track your goal metrics, see where your plan is failing, and set SMART marketing objectives to improve accordingly.
For your marketing objectives to succeed in accelerating your business growth, they have to be effective and profitable. If you notice you’re spending increasing time and effort trying to meet your goals without seeing great returns, reconsider your marketing objectives and perhaps swap them for new ones.
Setting SMART marketing objectives can truly change the way you reach your target audience and encourage them to do business with you.
You need to be especially SMART about your objectives when creating paid social media marketing campaigns, as you’re spending money regardless of how well things go.
Marketing objectives help clarify your message and simplify your goals while making them more effective in the long run.
Which marketing objective will you choose for your business today?
The post How to Write Perfect Paid Social Media Marketing Objectives (With Examples) appeared first on #1 SEO FOR SMALL BUSINESSES.
The post How to Write Perfect Paid Social Media Marketing Objectives (With Examples) appeared first on Business Marketplace Product Reviews.
The post How to Write Perfect Paid Social Media Marketing Objectives (With Examples) appeared first on #1 SEO FOR SMALL BUSINESSES.
The post How to Write Perfect Paid Social Media Marketing Objectives (With Examples) appeared first on Business Marketplace Product Reviews.
The post How to Write Perfect Paid Social Media Marketing Objectives (With Examples) appeared first on Buy It At A Bargain – Deals And Reviews.
Pato O’Ward became IndyCar’s first repeat winner of the season by charging through the field Sunday on a final restart to steal the victory away from Josef Newgarden at the Raceway at Belle Isle Park in Michigan.
The post O'Ward's award: Driver rallies, wins IndyCar race appeared first on Buy It At A Bargain – Deals And Reviews.
The post O'Ward's award: Driver rallies, wins IndyCar race appeared first on Business Marketplace Product Reviews.
The post O'Ward's award: Driver rallies, wins IndyCar race appeared first on Buy It At A Bargain – Deals And Reviews.
Have you defined the distribution channels that will be used by your company?
If not, it’s time.
In short, distribution channels determine the path goods will take from the manufacturer to the final consumer.
Thus, they have direct impact over sales.
There are many types, formats, and levels of distribution channels.
The first step is to understand each of them.
To help you with this task, this page will go over the main things you need to know about distribution channels:
Distribution channels are the path products take from their initial manufacturing stage to selling them to consumers. The main goal of these channels is to make goods available to final consumers in sales outlets as soon as possible.
Distribution channels directly impact a company’s sales, so you want to make them as efficient as possible.
There are three ways to make sure a product gets to the final consumer.
With direct channels, the company is fully responsible for delivering products to consumers. Goods do not go through intermediaries before reaching their final destination. This model gives manufacturers total control over the distribution channel.
This is the case with people who do catalog sales, for example.
Since the manufacturer alone is responsible for delivering products, this channel generally makes it impossible to have a high number of customers.
At the same time, it’s possible to offer lower prices, since the company does not have to pay commission to intermediaries.
With indirect channels products are delivered by intermediaries, not by the sellers.
Who are these intermediaries? They could be wholesalers, retailers, distributors, or brokers, for example.
In this case, manufacturers do not have total control over distribution channels.
The benefit is that this makes it possible to sell larger volumes and sell to a range of customers. However, products have higher prices due to the commissions paid to intermediaries.
Hybrid channels are a mix of direct and indirect channels.
In this model, the manufacturer has a partnership with intermediaries, but it still takes control when it comes to contact with customers.
One example is brands that promote products online but don’t deliver them directly to customers.
Instead, they nominate authorized distributors.
There are three different delivery methods for distribution.
Basically, they concern who will be allowed to sell your products.
With exclusive distribution, intermediaries take the company’s products to specific sales outlets.
This is usually done by a sales representative.
This means that only exclusive retail outlets will be able to sell the items to consumers.
Depending on the quality of the product, this is a great strategy not only for manufacturers but also for the retail outlets or chain stores selected.
With selective distribution, the company allows sales to a specific group of intermediaries who are responsible for selling items to final customers.
An important factor in how succesful this strategy will be is the reputation of the intermediaries since they have a direct impact over the company’s performance.
In this case, the intermediary becomes the real consultant for consumers, answering questions and recommending appropriate products for their needs.
In intensive distribution, the manufacturer tries to place their product in as many sales outlets as possible.
The manufacturers themselves, sales teams, and commercial representatives are all involved in this method. They are responsible for distributing products to sales outlets.
This distribution method is generally used by manufacturers of low-cost products with a high frequency of consumption.
Besides the types and methods of distribution channels, they may also operate on different levels.
Their levels represent the distance between the manufacturer and the final consumer.
In this level, there is a close and direct relationship between the manufacturer and the client.
For the company, the costs of the relationship with the consumer are higher.
In level 1, the manufacturer sells the products to the distributor, who might sell it to consumers via retailers or wholesalers.
The distributor keeps some of the rights to the product, but not all.
The distributor is also responsible for the costs of sales and transportation to sales outlets.
Level 2 is similar to level 1.
The difference is that in this case, the distributor delivers products only to retailers, who sell them to consumers.
Level 3 channels are a traditional distribution model.
The product’s journey from the manufacturer involves distributor, retailer, and customer.
The costs relative to sales and marketing are divided between the parties.
The advantage of this model is that it’s possible to reach a larger number of consumers.
On the other hand, products have a higher price because of the operational costs of all the parties involved.
After finding out more about operation details, it’s time to see who are the main intermediaries who take products to consumers.
Retailers are intermediaries used frequently by companies.
Examples include supermarkets, pharmacies, restaurants, and bars. Each of these types of businesses has full sales rights.
Generally, product prices are higher in retailers.
Wholesalers are intermediaries that buy and resell products to retailers. Wholesalers sell to those who are going to put products in their own stores.
These intermediaries generally don’t sell small quantities to final consumers, though there are exceptions, like supermarkets that sell in the wholesale model.
Prices are lower because sales involve large quantities.
Distributors sell, store, and offer technical support to retailers and wholesalers. Their operations are focused on specific regions.
Agents are legal entities hired to sell a company’s goods to final consumers and are paid a commission for their sales.
In this case, the relationships between intermediaries and companies are for the long term.
Brokers are also hired to sell and receive a commission.
The difference between agents and brokers is that brokers have short term relationships with the company.
That’s the case with real estate agents and insurance brokers, for example.
To those who sell tech and software, the internet itself works as the intermediary of the distribution channel.
The consumer only has to download the material to have access to it.
E-commerce companies also use the internet as a distribution intermediary.
A company can also have its own sales team who are responsible for selling goods or services.
There is also the possibility of creating more than one team to sell to various segments and audiences if the company has a wide range of products.
Resellers are companies or people who buy from manufacturers or retailers to later sell to consumers in retail.
Catalog sales, as the name indicates, is when a salesperson is connected to a company and sells its products using a magazine. Salespeople in this model also usually earn a commission for their sales.
This type of sales is common in the beauty segment, with brands like Avon and the Brazilian Natura.
Now you know the types and methods available for products to reach customers. But what happens when consumers need to return items to manufacturers?
Consumers need to rely on reverse distribution if they receive defective products or need to return clothes or shoes they bought online that don’t fit.
In this case, the consumer is responsible for returning the items and needs to find information from the manufacturer about how to do this. Usually, consumers find information about returns on the site for the product.
Now you know the different types of distribution channels and intermediaries. But all this is of no use if you don’t know how to select the appropriate channel for your company.
Next up are seven essential tips to help you make this decision.
First, you must look at your competitors to find the best practices they adopt.
This kind of mapping is known as benchmarking.
The idea is to figure out how your competitors are distributing their products and adopt a similar model.
So you have mapped out best practices in the market and identified solutions that could work for your business.
Great.
The next step is to review the project/channel you created.
Check if there are errors and how processes may be optimized and adapt the project to the needs and characteristics of the type of sales you make.
When we talk about distribution channels, one important factor is the cost associated with them.
Always look for the best cost-benefit ratio.
To do this, it is not enough to have a vague idea of the costs. You must record all costs and analyze if the benefits of the channel you selected are worth it.
Another relevant factor is the business’ routine.
What are the projects, processes, and activities in your business?
The distribution channel must be aligned with all these details.
Otherwise, you might have logistics problems that result in product delays that damage your relationship with customers.
Before selecting a channel, you should also consider the market potential of intermediaries.
After all, unless you choose to use direct channels, they will also be responsible for sales results.
Analyze intermediaries’ market participation, reputation, and performance to only then try to select the most appropriate option.
Consider logistical questions like:
Considering all stages of logistics is crucial to avoid problems taking goods to sales outlets.
Finally, consider the location of intermediaries, whether they are resellers, retailers, wholesalers, or distributors.
After all, your product must be sold in the region where your target audience is, especially if you supply a specific niche of the market.
How should you manage your company’s distribution channels? This is usually the responsibility of marketing departments.
To do it, it’s essential to monitor key performance indicators (KPIs).
Carry out regular assessments of reports with metrics and indicators related to distribution processes.
Monitor sales indicators, for example, analyzing the performance of each channel the company uses.
Also, carry out satisfaction surveys with consumers, especially when customers are dissatisfied with the selection and availability of goods or when sales volume is below expectations.
Before concluding this reading, how about we get to know two examples from great companies?
The largest soft drink manufacturer in the world uses different sales channels with franchisers, distributors, and retailers.
For example, soft drinks get to different retailers thanks to distributors.
This includes bars, restaurants, and supermarkets, who sell directly to final consumers.
Cosmetics brand Natura basically uses catalog distribution, though today there are sales outlets as well.
The company has a network of consultants that sell to consumers using magazines showing the products.
Are you ready to define and manage distribution channels for your company?
Follow the steps I mentioned in this article, from benchmarking to sales outlet analysis.
Consider the cost-benefit ratio of each channel.
And regardless of your choice, always monitor indicators and metrics.
This analysis makes it possible to check the efficiency of the distribution channel so you can optimize it constantly.
Did you like the tips in this article?
Leave a comment with your opinion or any questions you may have.
Location: Jacksonville, FL
Remote: Yes
Willing to Relocate: Yes
Technologies: Javascript (Node) / Express, Ruby, Go, React, Redux, Docker, AWS (ECS, EFS, S3, CloudFormation, IAM, EC2, ALB), REST, Postgres, MongoDB
Résumé/CV: https://sjbabadi.com/assets/resume-v4.pdf
Email: sheila.babadi@yahoo.com
I recently worked with a remote team to build Gander, an open-source drop-in solution for automating the configuration, build, and deployment of isolated preview environments for web applications on every pull request.
You can check out the comprehensive cast study here: https://gander-framework.github.io/
90th Cyber Ops Squadron, US Air Force | Multiple Roles | San Antonio, TX | Full Time | ONSITE
Ever wanted to reverse engineer, analyze, write countermeasures to, or even design and build malware? The 90 COS is a software development unit which specializes in offensive and defensive capability development in support of USCYBERCOMMAND and specialized Air Force missions.
We’re looking for creative, problem solving, mission driven teammates who are able to understand and create bespoke software used to conduct some of our nations most complicated cyber missions. Write software to defeat a botnet? We’ve done that!… Given our first hand knowledge of how they are developed 😉 We work in small, dedicated teams using Agile development practices to deliver quick-turnaround projects to enable tomorrow’s operations with capabilities delivered today.
We work across multiple disciplines spanning Windows, Linux, Mobile, embedded and work with many languages including Assembly, C, C++, Python, Powershell, and others. We regularly cross train among disciplines aligned to personal interests.
We’re looking for:
— Software Developers
— Product Owners
— Scrum Masters
— DevOps Engineers (or DevSecOps if you prefer that lingo)
No security clearance is required to apply. If you have the skills and are a US Citizen, we’ll get you the clearance.
Compensation: Up to $120K depending on experience, 5% 401K match, generous pension, other federal benefits, performance awards, recruiting and relocation incentives available
Interested or want to learn more? Email a resume to 90COS.Hiring.Office at us.af.mil
Article URL: https://www.themuse.com/jobs/themuse/senior-site-reliability-engineer Comments URL: https://news.ycombinator.com/item?id=27494167 Points: 1 # Comments: 0