Article URL: https://www.ycombinator.com/companies/reflect/jobs/Bdo0cAY-software-engineer
Comments URL: https://news.ycombinator.com/item?id=29251921
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Day: November 17, 2021
Marília Mendonça, Brazilian singer and Latin Grammy winner, dead at 26 in plane crash
“Graveto” singer Marília Mendonça died in a plane crash Friday on her way to a concert.
5 Business Credit Cards with Benefits That Will Surprise You
Get Business Credit Cards with Benefits – Check Out Some Unique Perks
There are business credit cards with benefits that go way beyond cash back or a low APR. Come and check out some truly unique perks.
Business Credit Cards with Benefits That Are Unique
Some business credit cards have unique benefits not fitting under any other categories, like low APR or cash back.
Some of these cards enroll you in some sort of unique benefits program. Still others may offer certain purchase discounts. And some of these aren’t quite available yet. Here’s our top 5 and a few honorable mentions.
Keep in Mind
Terms and rates are subject to change. In particular, many annual percentage rates tie to the Prime Rate. Banks and other credit providers sometimes add or drop features, or even credit cards. As always, the best source for all credit card information will be right on the provider’s website.
Business Credit Cards with Benefits Where You Can Buy Crypto: Honorable Mention – Gemini Credit Card from MasterCard (personal)
The Gemini credit card came about after Gemini’s recent acquisition of Blockrize. Blockrize already had a cryptocurrency credit card in the works. Buy crypto with this soon to arrive credit card, slated to be available in the summer of 2021.
With Gemini Earn, you can earn interest on your cryptocurrency. This compounds daily, up to 7.4% annual percentage yield. Until the card is issued, it will be hard to assess who it would be best for. Although backing from MasterCard is good news.
Unique Benefit Credit Cards: Honorable Mention – Mercury Bank MasterCard (personal)
Mercury is an angel-funded bank serving startups. Pay a $0 or $79 annual fee. Transfer APR is $5 or 4% of amount of each transfer, whichever is more. There are cashback rewards for the Mercury Bank MasterCard, but they are not specified on the bank’s website. Pay 26.99-29.99% APR. This is a good card for startups but the interest rates are high, so be sure you can pay on time before you start charging.
Business Credit Cards with Benefits Where You Can Get Amazon Discounts: #5 – Amazon Prime Store Card
If your business shops at Amazon often, then this could be the card for you. You get a $60 Amazon gift card upon the approval of your application. Get 5% cashback on Amazon purchases. And you pay no annual fee. However, limits for the Amazon Prime store card seem to be low. There are reviews of this card on the Amazon website and you should check them before applying.
Business Credit Cards with Benefits for Veterans and Active Armed Forces: #4 – Navy Federal GO BIZ
Rewards Card
This Navy Federal business credit card is available as either a MasterCard or Visa. Benefits differ depending on which card type you choose. Get 1 point for each dollar spent but rewards depend on if you have a Visa or MasterCard. With a Navy Federal Visa, you get access to Visa SavingsEdge. With a MasterCard, you get a collision damage waiver.
Pay no foreign transaction fees. There is no earnings cap and there is no annual fee. Pay an APR as low as Prime+ 5.90%.
Get GO BIZ Rewards. You can redeem points for gift certificates, cash deposited into your savings account, and more. Note: this card comes from a credit union, and you must be a member first. You can only be a member of the Navy Federal credit union if you’re attached to the military, the Department of Defense, or the National Guard and their families. If you can qualify for this card, the interest rate is stellar and it goes beyond an introductory period.
Unique Benefit Credit Cards: #3 – Brex Credit Cards for Startups
You will not need to provide a personal guarantee. They will underwrite based on your EIN. Only companies organized and registered in the US may apply for a Brex account. These are like C-corps, S-corps, LLCs, or LLPs. Pay no annual fee for the Brex credit card for startups.
Get unlimited points. You can get 7x points on rideshare. Get 4x points on Brex travel. You get triple points on restaurants. Get double points on recurring software costs. And get 1x points on everything else.
Earn points on everything you buy. Redeem them for Bitcoin or Ethereum through Brex’s partner TravelBank. But there are some industries they will not work with, as well as others where they want more paperwork. They will not accept the cannabis industry, and crypto is a restricted industry.
Credit Cards with Benefits Where You Can Build Personal (and Some Business) Credit: #2 – Sofi Credit Card (personal)
While this is a personal card, the perks are so unique we had to include it. You can earn 2% cash back on all eligible purchases. You can redeem your cash back straight into crypto with a SoFi active invest account. Pay no annual fee and no foreign transaction fees.
Make 12 monthly on-time payments of at least the minimum due, and SoFi knocks 1% off your APR. Otherwise, standard variable APR for purchases is 12.99-24.99%, based on creditworthiness. The SoFi credit card‘s APR ties to the Prime Rate. Balance transfer APR is 12.99-24.99%, based on creditworthiness.
Perks programs include the Sofi credit card rewards program. Rewards include a Lyft credit for a minimum number of rides taken in a month, once per month. There’s also the Sofi member rewards program. That’s where you can apply points toward loans, including student loans, and Mastercard World Elite.
Credit Building
Since this card lets you plow points into paying off loans, it can improve your personal credit. And paying on time will improve your personal credit even more. Experian’s business credit score calculations include personal credit scores. So, indirectly, this card could help you build business credit.
Business Credit Cards with Benefits to Help You Manage an SBA Express Loan: #1 – Zions Bank SBA Express Business Visa Debit Card
The Zions Bank SBA Express Business Visa debit card is #1 because it floored us. And then we wondered – why doesn’t every SBA Express lender do things this way? Pay no membership/account fees. Use this card to manage SBA Express loan money from Zions Bank that’s already approved.
Get travel accident insurance and other credit card perks, which you would not normally get from an SBA Express loan. This card is only available to SBA Express borrowers. If you’re an SBA Express borrower (or want to become one), we could not find a downside to getting this card.
Small Business Credit Cards with Benefits: Takeaways
Business credit cards with benefits have positives beyond lower APRs and travel points. Buy bitcoin, or access Visa SavingsEdge, or the MasterCard Easy Savings program. Or pay low interest rates by leveraging a connection to the armed forces. Or even manage an SBA Express loan. But never forget: the best business rewards credit card is the one you’ll use, with rewards that make sense to you.
Let us work with you, and help you decide on what’s best for you and your business.
The post 5 Business Credit Cards with Benefits That Will Surprise You appeared first on Credit Suite.
Build Business Credit as well as See Your Business Grow
Build Business Credit as well as See Your Business Grow
Preparation and also placing up a possessed service is hard. There are a great deal of individuals that established up their very own organizations yet never ever fairly obtain around to it.
With mindful preparation, assumed as well as initiative, it is feasible to increase some funding that can aid to obtain the company began as well as it can be done via constructing an organization credit scores. For brief, you require to obtain versus business instead after that from individual properties.
Thoroughly Produce a Business Plan and also Structure
Establishing up an organization via service credit report takes you in the globe totally various from customer credit rating. The even more you believe in the company factor of sight, the much better it is for the organization and also permits development in the future.
Possibly the hardest tip in constructing a company credit rating is to encourage the prospective loan providers that you are attempting to establish and also accomplish up a practical endeavor. You can make use of the organization strategy to reveal your loan providers that you have actually positioned a deep idea regarding the a number of aspects in a company: the competitors, rates, items and also the markets.
Be an Excellent Credit Customer
There are products that you will certainly require prior to business can come true as well as these are: the solutions, devices, supplies and also a number of various other products needed for business. Watch for suppliers that want to give you a credit rating though it might best to pick those business that will certainly have the ability to report your credit report to significant company credit rating reporting firms. Excellent ratings in service credit rating are booked for various other huge and also steady organization, yet with cautious and also thorough company and also debt techniques, you can additionally attain a great credit scores ranking.
Acquire the Assessment for Your Credit
After attaining that, maintain your eyes peeled off for companies that can provide credit score without the demand for a recognized service or individual debt checks or assurances. As soon as you are able to negotiate the company with credit report suppliers, you will certainly be able to make use of those referrals in order to construct your credit report account with the firms for credit history record.
You can likewise make use of those retired or semi-retired business people. These individuals occasionally offer to assist launch a company. You can develop your understanding as you begin the trip to an effective company with an excellent standing in credit history.
You can likewise make use of the suggestions they can offer concerning mistakes as well as negative aspects of beginning a company to aid you much better plan for the future.
Establishing up an organization with company credit score takes you in the globe totally various from customer debt. You can make use of the service strategy to reveal your lending institutions that you have actually put a deep idea regarding the a number of components in a service: the competitors, prices, items and also the markets. There are products that you will certainly require prior to the service can end up being a fact and also these are: the solutions, devices, supplies and also numerous various other products essential for the organization. Great ratings in company debt are scheduled for various other huge as well as secure organization, however with mindful as well as persistent service and also credit report methods, you can likewise accomplish an excellent credit history score.
After accomplishing that, maintain your eyes peeled off for companies that can release credit score without the requirement for a well-known service or individual credit report checks or assurances.
New comment by aakashsorathiya in "Ask HN: Who wants to be hired? (November 2021)"
Location: India
Remote: Yes
Willing to relocate: Yes
Technologies: Java + Spring Framework stack, Typescript, Angular, Postgres, Neo4j, Cypher, GraphQL, JUnit, Mockito, jMeter, Prometheus, Docker, Kubernetes, Scrum, Kanban, TDD, CI/CD, Azure Fundamentals
Resume/CV: https://drive.google.com/file/d/1u1vm4hbHbhJuoTKK7laSSX3mO6z1dRRX/view?usp=sharing
Email: akashsorthiya@gmail.com
Hi there! My name’s Aakash and I’m a backend/fullstack engineer with a strong interest in open source or startup projects. I have 1+ years of experience as a software engineer. I’m seeking a full time role and I prefer to work on Java but I’m open to all opportunities and learning a new tech stack.
Please reach out if I seem like a good fit for your team!
New comment by paseb in "Ask HN: Who wants to be hired? (November 2021)"
Location: Russia
Remote: Yes
Willing to relocate: Yes
Technologies: C/C++, Python, Boost (esp ASIO), Linux, CMake, Git, VoIP, SIP
Résumé/CV: on request
Email: pbalashov@protonmail.com
America Will Be Number One—in Taxes
The House-Biden plan will give the U.S. the highest combined federal and state top tax rate among major nations. The post America Will Be Number One—in Taxes appeared first on #1 seo FOR SMALL BUSINESSES. The post America Will Be Number One—in Taxes appeared first on Buy It At A Bargain – Deals And Reviews.
Mercedes requests review of Brazil incident
Mercedes has written to motorsport’s governing body, the FIA, to request a review of the incident between Max Verstappen and Lewis Hamilton on lap 48 of the Sao Paulo Grand Prix, which was not investigated by the stewards at the time.
The post Mercedes requests review of Brazil incident appeared first on Buy It At A Bargain – Deals And Reviews.