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REVOLUTIONARY SECURITY | Cybersecurity Positions | United States | Direct-Hire | Mostly REMOTE | https://www.revsec.com/careers
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REVOLUTIONARY SECURITY builds cyber defense resiliency across enterprises so they can get ahead of emerging threats and stay ahead in business. Our services address people, processes, and technology.
One Stop Shopping: Stockleaf is Newest Resource for Investors Brand-new arrival Stockleaf is the supercenter for capitalists if Wal-Mart is the supercenter for retail customers. Where else can one go to obtain up-to-the min information on any kind of openly traded firm from every economic information website readily available– and also have everything on one … Continue reading One Stop Shopping: Stockleaf is Newest Resource for Investors
Discover the Three Ratios That Are Used to Determine Commercial Lending
If you do not recognize exactly how to assess as well as provide the building correctly to a business genuine estate loan provider, obtaining cash for your industrial job can be fairly an obstacle. Prior to offering your residential or commercial property to a possible lending institution it is essential to identify one of the most potential proportions that the lending institution is mosting likely to make use of in choosing to offer you the cash.
Since of the dimension of the finances, there is a boosted danger with industrial actual estate fundings. Thousands of thousands to countless bucks are lent on industrial homes and also jobs. An industrial lending institution intends to ensure that she or he will certainly obtain their cash back from the created earnings of the residential or commercial property.
If they will certainly lend the cash on a task, many loan providers will certainly utilize the adhering to 3 proportions to establish.
The very first proportion is the financial debt insurance coverage proportion or DCR. The DCR relates to the building itself as well as just how much revenue it is creating contrasted to the financial debt solution, or just how much cash is paid in the direction of the home mortgage on a regular monthly basis. It is shared by the web operating earnings split by the complete financial debt solution.
The financial debt solution is established by the home mortgage terms, such as passion price, size of the financing, as well as exactly how usually a repayment is made. Lots of loan providers need a DCR over 1.2 in order to consider it a fairly secure financial investment. A lending institution does not desire to lending cash on a task that is not able to cover its financial debt solution.
The 2nd proportion is the loan-to-value proportion. If you can obtain a loan-to-value proportion of 75%, then that is normally an excellent number.
Take into consideration that a bonus offer if you can obtain even more than 75% of the worth lent to you. Loan provider’s standards as well as policies might vary significantly relying on just how much they agree to run the risk of on the job.
The 3rd proportion is the financial debt proportion. The financial debt proportion is revealed by splitting month-to-month real estate costs by gross regular monthly revenue.
Numerous business lending institutions will certainly not approve a financial obligation proportion higher than 25%. A financial debt proportion better than 25% stands an excellent possibility of having budget plan troubles.
The reduced financial debt proportion you have, the most likely you will certainly have the ability to obtain financing for your smaller sized business job.
Prior to coming close to any kind of lending institution, it is truly essential to examine these proportions by yourself. They concern your certain offer for which you wish to obtain funding. By doing the proportion evaluation by yourself, you can much better establish if funding will certainly be hard or very easy to acquire, relying on the nature of the job as well as its degree of threat.
It might be an excellent suggestion to speak to a number of possible lending institutions and also ask their fundamental requirements as well as standards that they adhere to in reviewing residential properties. You might locate that some lending institutions are much more traditional than others.
By recognizing your residential or commercial property, you can much better fit a lending institution to your certain requirements. Keep in mind that personal lending institutions can be very handy with those dangerous offers that public loan providers will certainly not also think about. Make certain that you are well outfitted with the appropriate info and also sustaining paperwork regardless of what lending institution you come close to.
The initial proportion is the financial obligation protection proportion or DCR. The 2nd proportion is the loan-to-value proportion. The 3rd proportion is the financial obligation proportion. Several industrial lending institutions will certainly not approve a financial debt proportion better than 25%. Prior to coming close to any kind of lending institution, it is truly essential to assess these proportions on your very own.
The post Discover the Three Ratios That Are Used to Determine Commercial Lending appeared first on ROI Credit Builders.
Every Little Thing About Email Marketing Email advertising and marketing as well as additionally e-newsletters may be sent with a lot more confidence for a lot less than a great deal of the rivals. Emails are valued according to the quantity you obtain, so the a great deal a lot more you get, the much less they establish you back. e-mail marketing and advertising treatments when …….
The post Whatever About Email Marketing appeared first on Buy It At A Bargain – Deals And Reviews.
Article URL: https://www.indeed.com/job/head-growth-marketing-91c739f9908cf372 Comments URL: https://news.ycombinator.com/item?id=21519261 Points: 1 # Comments: 0
Is it possible to get business credit cards with bad credit history? Yes, you can!
We took a look at a lot of business credit cards with bad credit history and did the research for you. So, here are our preferences.
Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal cards!
This reveals you can get a lot more money with small business credit. And it also shows you can have personal credit cards at retail stores. So, you would now have an added card at the same retail stores for your company.
And you will not need collateral, cash flow, or financial data to get company credit.
Benefits vary. So, make sure to pick the benefit you prefer from this choice of options.
For fair credit, we like the Capital One Spark Classic for Business. It has no yearly fee. There are cash-back rewards. The card gets an unlimited 1% cash back on all purchases. There is an annual fee of $0.
With this card, you will get benefits including an auto rental collision damage waiver, and purchase security. And you also get extended warranty coverage. And you get travel and emergency assistance services.
But KEEP IN MIND: the ongoing APR is 24.74% variable APR. And the penalty APR is even higher, 31.15%. Also, there is no sign-up bonus.
Get it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/
Make sure to have a look at the Discover it® Student Cash Back card. It has no annual fee. The credit card also has a six-month introductory period of 0% APR on purchases. And there is an APR of 14.99 – 23.99% variable on all purchases after that period.
One one-of-a-kind feature is that it provides an incentive for students to maintain good grades with a $20 statement credit. If scholars earn a GPA of 3.0 or higher each school year, the card will award the $20 statement credit each year for up to five years.
Use this card to build personal credit. While this is a personal card versus a company card, for new credit users, their FICO scores will matter. And this credit card offers an excellent way to raise FICO while also getting rewards.
You can earn 5% cash back at different places each quarter such as grocery stores, gas stations, restaurants or Amazon.com up to the quarterly maximum. After that, this card offers unlimited 1% cash back on all purchases.
In the first year, all cash back rewards are matched 100%.
Downsides include a cash advance fee of either $10 or 5% of the amount of each cash advance, whichever is greater. And though they waive the first late payment fee, a fee of up to $37 applies on all other late payments. There is also a returned payment fee of up to $37.
Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html
Look at the Wells Fargo Business Secured Credit Card. It charges a $25 yearly fee per credit card (up to 10 employee cards). It also requires a minimum security deposit of $500 (up to $25,000) and it is designed to help cardholders set up or rebuild their credit.
Pick this card if you want to get 1.5% per dollar in purchases without any limits or earn one point for every dollar in purchases. You also earn 1,000 bonus points for every month your company makes $1,000 in purchases on the card.
Also, you get free FICO scores every month. There are no foreign transaction fees. It is possible to upgrade to unsecured credit. Your account is regularly reviewed. And you may become eligible for an upgrade to an unsecured card with responsible use over time. Approval is not guaranteed and depends on factors including how you manage this and your other accounts.
APR is the current prime rate plus 11.90%. There is no introductory APR period and no sign-up bonus. This is not a card for balance transfers.
Get it here: https://www.wellsfargo.com/biz/business-credit/credit-cards/secured-card/
Look at the Discover it® Cash Back card. There is a 10.99% introductory APR for six months from date of first transfer.
After the introductory APR expires, your APR will be 14.99% to 23.99%. So, this is based on your creditworthiness. Your APR will vary with the market, which is based upon the Prime Rate.
You can earn 5% cash back at different places every quarter. So, these are places like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs. But this is up to the quarterly maximum each time you activate. Additionally, automatically get unlimited 1% cash back on all other purchases.
You will earn an unlimited dollar-for-dollar match of all the cash back you have gotten at the end of your first year, automatically.
Get it here: https://www.discover.com/credit-cards/cash-back/it-card.html
The Bank of America® Business Advantage Travel Rewards World Mastercard® credit card has no yearly fee and comes with a 0% introductory APR on purchases for the initial nine months. After that, the card has a 13.24 – 23.24% variable APR
Earn 3 points/dollar spent when you book travel via the Bank of America Travel Center and 1.5 points/dollar on all other purchases. You can get unlimited points and points will never expire.
There is a 25,000-point sign-up bonus when you spend $1,000 in the first 60 days of opening up the account. Cardholders get travel accident insurance, and lost luggage reimbursement.
They additionally get trip cancellation coverage, trip delay reimbursement and other advantages.
There is no introductory rate for balance transfers. Also, bonus categories are limited.
Get it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/
Consider the JetBlue Plus Card for yet another offer of a 0% introductory APR
Get six points/dollar on JetBlue purchases, two points/dollar at eating establishments and grocery stores. And get one point/dollar on all other purchases.
Spend $1,000 in the first 90 days and pay the annual fee, and get 40,000 bonus points. New cardholders get a 12 month, 0% introductory APR on balance transfers made in 45 days of account opening.
After that, the variable APR on purchases and balance transfers is 17.99%, 21.99% or 26.99%, based on creditworthiness. Benefits include a free first checked bag and 50% savings on in-flight purchases.
There is a $99 yearly fee for this card.
Get it here: https://cards.barclaycardus.com/cards/jetblue-card/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Check out the SimplyCash Plus Business Credit Card from American Express. There is a $0 annual fee. And there is a 0% APR on purchases So this is for the initial 15 months an account is open.
But when the introductory period runs out, the APR for purchases is 14.24 to 21.24%. So, this is variable and based on creditworthiness.
This credit card has various benefits. These include purchase protection, car rental loss and damage insurance. And they also include a baggage insurance plan, extended warranty coverage and a global assist hotline.
Also, get 5% cash back at US office supply stores and on wireless phone services. So, these must be bought from United States providers. But this pertains to the initial $50,000 of yearly spending. Then, you earn 1% cash back.
You also earn 3% cash back on spending category of your choice. So, this is from eight distinct categories. They include airfare, gas, advertising and computer purchases. But it applies to the first $50,000 of annual spending. Then, you get 1% cash back.
Cash-back bonuses are automatically credited to the customer’s billing statement.
Note: you cannot use this card for balance transfers. There is a foreign transaction fee of 2.7%. The card charges up to $38 in late fees. And the returned check fee is also $38. The penalty APR is 29.99%.
And, it kicks in if you have two or more late payments within 12 months. It can also apply if you fail to make the minimum payment on time or have a returned payment.
Get it here: https://www.americanexpress.com/us/small-business/credit-cards/simply-cash-plus-business-credit-card/44279
Check out the Capital One® Quicksilver® Card. It offers flat-rate rewards of 1.5% on all purchases. There are no limits to the amount of cash back rewards which cardholders can earn. Also, the card has a $0 annual fee.
New cardholders have a 0% APR on purchases and balance transfers for the first 15 months after opening the account. Then afterwards they have a 14.74 – 24.74% (variable) APR after that.
A cash bonus of $150 is available for those who make at the very least $500 in purchases in 3 months of account opening.
Also, cash back rewards do not expire for the life of the account. And there is no limit to how much you can earn.
This credit card also offers travel accident insurance. And you get an auto rental collision damage waiver. There are no foreign transaction fees. And there is extended warranty coverage.
Downsides are the flat reward rate, not allowing for any more than that. And the higher APR after the first 15 months.
Get it here: https://www.capitalone.com/credit-cards/quicksilver/
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Check out the Uber Visa Card. Uber is the very first ride-sharing service to offer a credit card, in a partnership with Visa and Barclays.
The card offers 4% back per dollar spent at restaurants, takeout and bars, including UberEATS. Also, get 3% back on hotel, airfare and vacation home rentals. And get 2% back on online purchases.
So, this includes retailers and subscription services such as Uber and Netflix. And get 1% back on all other purchases. Each percent/point has a value of 1 cent. Redeem points for cash back, gift cards or Uber credits directly within the app.
By spending a minimum of $500 in the initial 90 days, users can earn a $100 sign-up bonus. Cardholders spending a minimum of $5,000 yearly are eligible to receive a $50 credit toward online subscription services.
If you pay your cellphone bill with this card, you are insured up to $600 for cellphone damage or theft.
Cardholders are eligible for exclusive access to specific events and offers. Uber anticipates most of these offers will be available in major cities like New York, San Francisco, Los Angeles, Chicago and DC. There is no foreign transaction fee.
But there is no introductory rate. The APR is a variable 16.99%, 22.74% or 25.74%, based on your creditworthiness. Cardholders with less than stellar credit will be on the higher end of the range.
Also, there are restrictions on Uber credits. To redeem points as credits in the Uber app, accrue a minimum of 500 points, or $5. Cardholders can convert a maximum of 50,000 points, or $500, per day.
Get it here: https://www.uber.com/c/uber-credit-card/
Not taking Uber? Then you’ll want to fill your gas tank in some way. Why not do so with the Costco Anywhere Visa® Business Card by Citi?
This card earns cash back with every purchase. Earn 4% cash back on the first $7,000 spent on eligible gas purchases annually (1% after that). Earn 3% cash back at restaurants and on eligible travel purchases. Also, earn 2% cash back at Costco and Costco.com. And earn 1% cash back on all other purchases.
Note: the $0 yearly fee is only for Costco members. And an active Costco membership is required. Cardholders will get access to damage and theft purchase protection, extended warranty coverage and travel accident insurance.
Also, there is no sign-up bonus available with this card.
Get it here: https://www.citi.com/credit-cards/credit-card-details/citi.action?ID=Citi-costco-anywhere-visa-business-credit-card
Have a look at the Ink Business Cash ℠ Credit Card. Small businesses can earn cash back with every purchase. Spend $3,000 in the initial three months from account opening. And you’ll get a $500 bonus cash back.
There is a $0 yearly fee with a 0% introductory APR for 12 months on purchases and balance transfers. Afterwards, the APR is a 15.24 – 21.24% variable.
The card features travel and purchase coverage benefits. So, this includes an auto rental collision damage waiver and extended warranty protection.
Earn extra cash back on business categories. So, these include office supply stores, telecommunications, gas stations and restaurants.
Note: this credit card has a balance transfer fee. Pay 5% of the amount transferred or $5, whichever is more. Also, there is a foreign transaction fee of 3%.
Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-cash
Get a good look at the United MileagePlus Explorer Business Card.
Get 2 miles/dollar with United and at restaurants, gas stations and office supply stores. All other purchases earn 1 mile/dollar. Earn a 50,000-mile sign-up bonus after spending $3,000 in the initial three months from account opening.
Benefits include priority boarding, a free first checked bag for you and a companion on the same reservation.
Also, get two United Club passes annually. And get hotel and resort perks including upgrades. In addition, get early check-in and late checkout. And get an auto rental collision damage waiver.
And also, get baggage delay insurance, lost luggage reimbursement, trip cancellation and interruption insurance. Finally, get trip delay reimbursement, purchase protection, price protection and concierge service.
After the first year, the card has an annual fee of $95. APR of 17.99% – 24.99%, based on creditworthiness.
Get it here: https://creditcards.chase.com/small-business-credit-cards/united-mileageplus-explorer-business
Another option is the Starwood Preferred Guest Business Credit Card from American Express.
This credit card is for those who stay at Starwood Preferred Guest and Marriott hotels often. Earn six points per dollar of eligible purchases at participating SPG and Marriott Rewards hotels.
And get four points per dollar at US restaurants, US filling stations, and on US purchases for shipping.
Also, get four points to the dollar on wireless telephone services purchased directly from US service providers. For all other eligible purchases, earn two points per dollar.
Earn 75,000 bonus points when you spend $3,000 in the first three months of account opening. Benefits include free in-room premium internet access, Sheraton Club lounge access, and purchase protection.
Plus, you get car rental loss and damage insurance. And you get baggage insurance. There is also a global assistance hotline. And there is a roadside assistance hotline. And get travel accident insurance and extended warranty coverage.
The most significant issue is the annual fee. There is a $0 introductory annual fee for the first year, then it’s $95 afterwards. Plus, there is no 0% introductory APR. Instead, there is a 17.74 – 26.74% variable APR
Get it here: https://www.americanexpress.com/us/credit-cards/business/business-credit-cards/spg-amex-starwood-credit-card
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
Get a look at the Ink Business Preferred Credit Card from Chase. Cardholders earn 3 points for every dollar spent on travel, shipping, internet, cable, phone and qualifying advertising with the card. So, this is up to $150,000 each year. And all other purchases earn an unlimited one point per dollar spent.
This is a Visa card.
Cardholders get benefits like purchase protection, trip cancellation or interruption insurance. They also get cellphone protection. And they get extended warranty coverage. And they get an auto rental collision damage waiver.
Get 80,000 bonus points when you spend $5,000 in the first 3 months from account opening. There is an annual fee of $95. You can add employee cards at no additional cost.
This card only offers 3 points per dollar to a limit of $150,000 a year. So, this is for travel, shipping, internet, cable, phone and qualifying advertising. All other purchases get an unlimited flat rate of one point per dollar. And there is no introductory APR
Get it here: https://creditcards.chase.com/small-business-credit-cards/ink-business-preferred
Consider the IHG ® Rewards Club Premier Credit Card. it gets hotel rewards worldwide. For each dollar spent at participating IHG hotels, get 10 points. Get two points per dollar spent at gas stations, grocery stores and restaurants.
And all, other purchases earn one point. New cardholders can get an 80,000-point sign-up bonus when they spend $2,000 in the first three months of account opening.
This card provides a free one-night hotel stay each year. Plus, there is a wide array of benefits like travel and purchase coverage and an upgrade to Platinum Elite status with the IHG Rewards Club. The club offers complimentary room upgrades when available and guaranteed room availability.
The most significant issue is that the card does not have a zero percent APR introductory rate. And the standard APR is 17.99 – 24.99% variable. Also, the yearly fee is $89.
Get it here: https://creditcards.chase.com/a1/ihg/premiernaep
This credit card earns six points/dollar spent at participating Marriott and SPG hotels. And get two points/dollar on all other purchases.
Spend $3,000 in the first three months from account opening and get two free night awards (each valued up to 35,000 points).
Cardholders get access to perks including a free one-night stay yearly after account anniversary. Also get travel and purchase protection. So, this includes free standard in-room Wi-Fi and priority late checkout.
Perks include baggage delay reimbursement, and lost luggage reimbursement. There is also trip delay reimbursement. And there is purchase protection. Plus, there are concierge service and automatic Silver Elite status, which includes a 20% bonus on points.
Spend $35,000 each account year, and get an upgrade to Gold Elite status. So, that includes a complimentary room upgrade, free daily breakfast and 4 PM late checkout.
There is an annual fee of $95. The APR is a 17.99– 24.99% variable.
Get it here: https://creditcards.chase.com/marriott/apply
Your outright best business credit cards with bad credit history will hinge on your credit history and scores.
Only you can select which features you want and need. So, make sure to do your homework. What is excellent for you could be disastrous for another person.
And, as always, make certain to develop credit in the recommended order for the best, fastest benefits.
The post Business Credit Cards With Bad Credit History? They’re Possible appeared first on Credit Suite.
Efficiency Measurement– A Short History
The year 1970 saw the magazine of 2 publications, Kuznets’ “Economic Growth of Nations” as well as Solow’s Economic Growth” in 1971. Unknowingly, it noted the beginning of an uncommon specialist agreement on financial development.
In his publication, Kuznets summarized his years of empirical research study. Solow’s job at the same time included his very own recap of his years of academic study.
Solow’s concept, Kuznets empirical research studies
For the financial experts, Solow’s neo-classical concept of financial development, specifically his evaluation of constant states with consistent prices of development, given theoretical clearness and also refinement.
Kuznets, for his component, measured the lengthy move of historic experience of the United States as well as 13 various other created economic climates. He incorporated this with measurable contrasts amongst created and also establishing economic situations throughout the postwar duration.
Very same subject
Without understanding of each various other’s job, both writers functioned individually on their publications with no link from each other. Proof of this was the complete lack of cross-references in between their jobs. Oddly, they were servicing the very same subject, within the exact same structure, and also within the very same area at Cambridge, Massachusetts.
After being tested by Denison, Kuznets identified Denison’s strategy to gauging labor input as well as offered his very own variation in 1971.
Solow, on the various other hand, made considerable recommendations to Denison’s searchings for on the development of outcome as well as resources supply. He stuck to hrs functioned (or ‘man-hours’ as it was called in the 70s) as a step of labor input.
Kuznets revealed that “… the payment of the element inputs per head was a small portion of the development price of per head item’. According to his price quotes, the payment of rises in funding input per head over this considerable duration was adverse.
Pertinent to these, Tinberger in 1942 assessed the resources of U.S. financial development a century earlier. He located that effectiveness made up just a bit much more that a quarter of development in outcome, while development in resources and also labor inputs represented the rest.
This was specifically the reverse of the final thought that Kuznets (1971) and also Solow (1970) got to 30 years later on.
Overall aspect performance
The ‘overall variable efficiency’ (or effectiveness) was presented individually by Stigler as well as came to be the beginning factor for a significant research study program at the National Bureau of Economic Research.
This program utilized information on outcome of the U.S. economic situation from earlier researches done by the bureau consisting of the introducing price quotes of the nationwide item by Kuznets.
A lot of the information was produced by Kendrick that made use of a specific system of nationwide manufacturing accounts. These consist of steps of outcome, input and also efficiency for specific sectors and also nationwide accumulations.
In Solow’s short article “Technical Change as well as the Aggregate Production Function” he recognized “technological adjustment” with changes in the manufacturing feature. Like Abramovitz, Kendrick, as well as Kuznets, Solow associated mostly all of U.S. financial development to the “recurring” development in performance.
Kuznets later on enhanced the searchings for of Abramovitz, Kendrick and also Solow. It proclaimed that financial development was greatly attributable to the Solow recurring (performance) in between the development of result as well as the development of resources and also labor inputs.
The post Performance Measurement– A Short History appeared first on ROI Credit Builders.
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Talend | Senior Security Architect | Paris or Nantes in France, or Bonn in Germany | Full-Time | Onsite
Talend is a cloud and big data integration software company with deep open-source roots. Talend is one of the largest open-source companies in the world, and we sponsor a lot of foundations such as the Apache Foundation.
We are looking for a Senior Security Architect to join our Architect team. You will work closely with the Development team and the Cloud Operations team on all aspects of Software Development and SaaS Operations related security and be responsible, amongst others, for coaching on secure programming practices and related code reviews and documenting the software development lifecycle from a security standpoint.
If you love working on data masking, data in motion, encryption etc. you should speak to us :)!
All details: https://jobs.lever.co/talend/603edbd4-a7df-4d5c-9186-3ee2021…
What we offer you: Join a passionate team and work with the latest technologies (Hadoop, K8s, Terraform, AWS, GCP to name a few). A challenging but rewarding environment with international scope. Top modern offices with ideal locations.
Codacy | Lisbon | Remote or Onsite | Full-time | https://www.codacy.com/careers
Codacy builds the leading code quality platform that helps thousands of developers ship billions of lines of code per day. Our mission is to help software development teams make great engineering decisions and create productivity through quality.
Here are all of our open roles:
– Backend Software Engineer:
https://jobs.lever.co/codacy/aa4f39be-febf-45cf-860f-9c26e18…
– Senior Software Engineer: https://jobs.lever.co/codacy/f0521f5a-bd9e-4e9d-acc2-9a97d19…
– Senior Frontend Engineer: https://jobs.lever.co/codacy/894df99a-cc82-4385-94ed-342fc14…
– QA Engineer (React): https://jobs.lever.co/codacy/a0ccbe54-67de-4220-a783-760b6e1…
– Product Manager: https://jobs.lever.co/codacy/ad72c6cc-08d6-4f1e-a8e5-677a3b4…
– Technical Writer: https://jobs.lever.co/codacy/f184c0a8-429d-4c5b-ae3e-cf3c142…
For any questions email jessica [at] codacy [dot] com