Business News
This Meineke franchise client just received $80,000 in funding from a cash flow advance and closed the transaction within 72 hours!
They are excited to use their funding to purchase new equipment in their mechanics show to aid in growth.
Click Here to see how much funding you can get for your business.
The post Just Funded… $80,000 in 72 Hours appeared first on ROI Credit Builders.
Hi, my name is Pete, and I’m an unusual case looking for unusual work. While I’ve currently got a very full plate, I’d consider making (up to full-time) room on it for the right opportunity.
I know some stuff about programming. I’ve been programming since the age of six, and completed an MSc at Oxford in Software Engineering, which I was admitted to without an undergraduate degree, finishing top of the class. My default chainsaw of choice is Perl, but I’m comfortable in JavaScript and Python, and could probably get my Haskell, Erlang, or Golang to a production level if needed. I would love a chance to bill someone else to learn Rust. I have an extensive open-source portfolio I can share with you.
I know some stuff about managing software teams. My last real job was as CTO at a 200 person company, with a 40 person onsite team in London. When I started, it was around 20, without a single project manager, which was frankly terrifying. We fixed it though! I think my direct reports mostly liked me, and I’d be happy to put you in touch with some of them — or the other directors, or my boss — for references.
I know some stuff about recruitment. The company I was CTO for made recruitment software. Then I started a recruitment company, which is still going, and reasonably profitable. I’ve found developers for clients in the US, UK, wider EU, and Australia. In doing this I had to learn far more than I ever wanted about sales cycles, procurement processes, marketing, and contracts, but we’re a supplier to several large, well-known companies, and spend about $30,000 a year sponsoring various community conferences, newsletters, programming competitions, etc.
I’m a British Citizen living in Bangkok, Thailand, and I’m not planning to move, but I’m happy to do a large amount of (paid) work-related travel. I’m happy to meet your clients, investors, leads, developers, and sit in meetings with them. I’m happy to go and build prototypes of your wild-ass ideas for a product. I’m happy to do architectural reviews, actual code reviews, fix your hiring process, put together a recruitment marketing plan. I’m happy to take your overworked and stressed out CTO for lunch, do an ad-hoc therapy session with them, and give them a plan for making them enjoy their job more. I love working with non-technical commercial people to help them understand technical plans they’ve been given that they want to kick the tyres on.
My day-rate ranges from $750/day for full-time, remote work with a minimum commitment of three months, to $1,500/day + travel for anything ad-hoc.
You can email me at pete@clueball.com
Learn the Best Way to Build Business Credit We can show you the best way to build business credit! Get the kind of business funding that can take your business to new heights! The Best Way to Build Business Credit – But What’s Business Credit, Anyway? Small business credit is credit in a business’s name. … Continue reading What’s the Best Way to Build Business Credit? We Have the Secret!
Hi — we’re Retool (https://retool.com), a fast way of building internal tools. We launched on HN around a year ago (https://news.ycombinator.com/item?id=17725966). We’re a small team based in Hayes Valley, San Francisco, CA.
Business-wise, we’re profitable, growing quickly, and well-capitalized. (We recently raised a Series A from Sequoia. Other investors include technical founders, including Paul Graham, John + Patrick Collison, Nat Friedman, Greg Brockman, etc.)
Culture-wise, we’re a small group who enjoys solving problems and working hard. We work closely with customers, and iterate quickly. We spend our days typically either writing code or talking with customers.
The market for custom enterprise apps is huge. And we think that we have a promising shot at capturing much of it: we have a product that works, that customers love (go talk to any customer!), and whose usage is growing rapidly.
We’ve significantly de-risked the business (e.g. have significant revenue, have a good amount of paying customers, have raised $20M from Sequoia, are profitable, etc.). But there’s plenty of stuff to figure out as well. For example:
- How can we quickly ship new products while keeping current customers happy?
- How do we design the UI/UX for a new programming environment?
- How do we concisely explain what Retool is, without a 4 minute demo video (https://retool.com)?
We’re hiring for many roles, including engineering, sales, developer relations, customer support + success. We think you’d be a good fit at Retool if you enjoy:
- building things,
- deciding what to work on, independently, and
- getting things done + managing yourself
If you’re interested, please email me at david@retool.com. Thanks!
Comments URL: https://news.ycombinator.com/item?id=21209355
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Article URL: https://angel.co/company/fuzzbuzz/jobs/641952-backend-software-engineer
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Affordable Health Insurance In Pennsylvania
One means for you to get cost effective wellness insurance policy in Pennsylvania is to buy a conversion strategy if you have actually simply come to be jobless as well as shed your employer-sponsored team wellness insurance coverage strategy.
Conversion protection is a private medical insurance plan that originates from the very same business that supplied team medical insurance to your company as well as his/her staff members. You are qualified for conversion health and wellness insurance coverage if you obtained employer-sponsored team health and wellness insurance coverage for no much less than 3 months. When you acquire a conversion medical insurance strategy in Pennsylvania, you should pay the costs that your company might have when spent for you under your employer-sponsored team medical insurance strategy; nevertheless, you can not be rejected because of any type of clinical problems.
Economical medical insurance in Pennsylvania in the type of conversion insurance policy covers not just you, however any individual else that was formerly covered under your employer-sponsored team medical insurance strategy. If the 2 if you are separated– as well as your youngsters, this includes your partner– also. As long as the individual is your reliant, as well as formerly covered with your medical insurance plan, she or he can likewise be covered under your conversion insurance coverage strategy.
You are not qualified for conversion wellness insurance coverage if you are currently getting, or are qualified to obtain, medical insurance offering comparable protection from an additional team medical insurance strategy, or healthcare programs such as Medicare. You should additionally utilize up the Federal COBRA health and wellness treatment insurance coverage if you certify for it.
You need to be alerted of your wellness insurance policy civil liberties under conversion health and wellness insurance policy strategies when you come to be jobless. You have 31 days to use for conversion protection as soon as you are alerted. If you have actually not been alerted of your medical insurance civil liberties under conversion medical insurance strategies, call your company, the medical insurance business where your company bought the employer-sponsored team medical insurance strategy, or the Insurance Department of the Commonwealth of Pennsylvania.
The post Affordable Health Insurance In Pennsylvania appeared first on Buy It At A Bargain – Deals And Reviews.
We can show you the best way to build business credit! Get the kind of business funding that can take your business to new heights!
Small business credit is credit in a business’s name. It doesn’t link to a business owner’s personal credit, not even if the owner is a sole proprietor and the sole employee of the small business.
Accordingly, a business owner’s business and individual credit scores can be very different.
Because business credit is distinct from consumer, it helps to secure a business owner’s personal assets, in the event of a lawsuit or business bankruptcy.
Also, with two separate credit scores, a business owner can get two different cards from the same merchant. This effectively doubles buying power.
Another benefit is that even start-ups can do this. Heading to a bank for a business loan can be a recipe for frustration. But building company credit, when done the right way, is a plan for success.
Individual credit scores rely on payments but also various other factors like credit usage percentages.
But for company credit, the scores actually just hinge on whether a company pays its debts on a timely basis.
Building business credit is a process, and it does not occur automatically. A business will need to actively work to build company credit.
Nonetheless, it can be done easily and quickly, and it is much speedier than building consumer credit scores.
Merchants are a big aspect of this process.
Undertaking the steps out of order will lead to repetitive rejections. Nobody can start at the top with business credit. For example, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.
A company must be fundable to credit issuers and vendors.
Therefore, a company will need a professional-looking web site and email address. And it needs to have site hosting bought from a vendor like GoDaddy.
Also, business telephone and fax numbers must have a listing on ListYourself.net.
Also, the business telephone number should be toll-free (800 exchange or comparable).
A business will also need a bank account dedicated strictly to it, and it needs to have all of the licenses essential for operation.
These licenses all have to be in the exact, appropriate name of the company. And they need to have the same business address and telephone numbers.
So bear in mind, that this means not just state licenses, but possibly also city licenses.
Learn more here and get started toward establishing small business credit.
Visit the IRS website and get an EIN for the small business. They’re totally free. Select a business entity such as corporation, LLC, etc.
A company can begin as a sole proprietor. But they will more than likely wish to change to a type of corporation or an LLC.
This is in order to limit risk. And it will optimize tax benefits.
A business entity will matter when it pertains to taxes and liability in case of litigation. A sole proprietorship means the owner is it when it comes to liability and tax obligations. No one else is responsible.
If you operate a business as a sole proprietor, then at the very least be sure to file for a DBA. This is ‘doing business as’ status.
If you do not, then your personal name is the same as the company name. Hence, you can wind up being personally accountable for all small business debts.
In addition, according to the IRS, by having this arrangement there is a 1 in 7 possibility of an IRS audit. There is a 1 in 50 possibility for corporations! Avoid confusion and significantly reduce the chances of an Internal Revenue Service audit as well.
Begin at the D&B website and obtain a cost-free D-U-N-S number. A D-U-N-S number is how D&B gets a small business into their system, to produce a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.
Once in D&B’s system, search Equifax and Experian’s web sites for the business. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for correctness and completeness. If there are no records with them, go to the next step in the process.
By doing this, Experian and Equifax will have something to report on.
First you should build trade lines that report. This is also known as the vendor credit tier. Then you’ll have an established credit profile, and you’ll get a business credit score.
And with an established business credit profile and score you can begin to obtain credit in the retail and cash credit tiers.
These kinds of accounts tend to be for the things bought all the time, like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.
But first off, what is trade credit? These trade lines are credit issuers who will give you starter credit when you have none now. Terms are often Net 30, versus revolving.
Hence, if you get approval for $1,000 in vendor credit and use all of it, you need to pay that money back in a set term, like within 30 days on a Net 30 account.
Net 30 accounts have to be paid in full within 30 days. 60 accounts need to be paid in full within 60 days. In comparison with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.
To begin your business credit profile the proper way, you should get approval for vendor accounts that report to the business credit reporting agencies. When that’s done, you can then make use of the credit.
Then pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.
Not every vendor can help in the same way true starter credit can. These are vendors that will grant an approval with very little effort. You also need them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.
You want 5 to 8 of these to move onto the next step, which is the retail credit tier. But you may have to apply more than once to these vendors. So, this is to verify you are dependable and will pay punctually. Here are some stellar choices from us: https://www.creditsuite.com/blog/5-vendor-accounts-that-build-your-business-credit/
Non-Reporting Trade Accounts can also be helpful. While you do want trade accounts to report to a minimum of one of the CRAs, a trade account which does not report can yet be of some worth.
You can always ask non-reporting accounts for trade references. And also credit accounts of any sort will help you to better even out business expenditures, thereby making budgeting less complicated. These are companies like PayPal Credit, T-Mobile, and Best Buy.
Once there are 5 to 8 or more vendor trade accounts reporting to at least one of the CRAs, then move to the retail credit tier. These are service providers like Office Depot and Staples.
Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the small business’s EIN on these credit applications.
One good example is Lowe’s. They report to D&B, Equifax and Business Experian. They need to see a D-U-N-S and a PAYDEX score of 78 or higher.
Are there 8 to 10 accounts reporting? Then move to the fleet credit tier. These are companies such as BP and Conoco. Use this credit to purchase fuel, and to fix, and maintain vehicles. Only use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, make sure to apply using the business’s EIN.
One such example is Shell. They report to D&B and Business Experian. They want to see a PAYDEX Score of 78 or better and a 411 business phone listing.
Shell might say they want a specific amount of time in business or revenue. But if you already have enough vendor accounts, that won’t be necessary. And you can still get approval.
Learn more here and get started toward establishing small business credit.
Have you been responsibly handling the credit you’ve up to this point? Then move to the cash credit tier. These are businesses such as Visa and MasterCard. Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.
One example is the Fuelman MasterCard. They report to D&B and Equifax Business. They want to see a PAYDEX Score of 78 or higher. And they also want you to have 10 trade lines reporting on your D&B report.
Plus, they want to see a $10,000 high credit limit reporting on your D&B report (other account reporting).
Additionally, they want you to have an established company.
These are businesses such as Walmart and Dell, and also Home Depot, BP, and Racetrac. These are normally MasterCard credit cards. If you have 14 trade accounts reporting, then these are doable.
Learn more here and get started toward establishing small business credit.
Know what is happening with your credit. Make certain it is being reported and deal with any inaccuracies ASAP. Get in the habit of taking a look at credit reports and digging into the specifics, and not just the scores.
We can help you monitor business credit at Experian and D&B for 90% less than it would cost you at the CRAs. See: www.creditsuite.com/monitoring.
At Equifax, you can monitor your account at: www.equifax.com/business/business-credit-monitor-small-business. Equifax costs about $19.99.
Update the data if there are mistakes or the data is incomplete. At D&B, you can do this at: https://iupdate.dnb.com/iUpdate/viewiUpdateHome.htm. For Experian, go here: www.experian.com/small-business/business-credit-information.jsp. So for Equifax, go here: www.equifax.com/business/small-business.
So, what’s all this monitoring for? It’s to challenge any inaccuracies in your records. Mistakes in your credit report(s) can be taken care of. But the CRAs normally want you to dispute in a particular way.
Get your company’s PAYDEX report at: www.dnb.com/about-us/our-data.html. Get your company’s Experian report at: www.businesscreditfacts.com/pdp.aspx?pg=SearchForm. And get your Equifax business credit report at: www.equifax.com/business/credit-information.
Disputing credit report inaccuracies generally means you mail a paper letter with duplicates of any proof of payment with it. These are documents like receipts and cancelled checks. Never mail the original copies. Always send copies and keep the original copies.
Fixing credit report inaccuracies also means you precisely itemize any charges you dispute. Make your dispute letter as clear as possible. Be specific about the concerns with your report. Use certified mail so that you will have proof that you mailed in your dispute.
Always use credit smartly! Don’t borrow more than what you can pay off. Monitor balances and deadlines for payments. Paying promptly and in full will do more to raise business credit scores than nearly anything else.
Building company credit pays. Good business credit scores help a small business get loans. Your credit issuer knows the small business can pay its financial obligations. They recognize the small business is bona fide.
The business’s EIN links to high scores and lenders won’t feel the need to ask for a personal guarantee.
Business credit is an asset which can help your company for many years to come. Learn more here and get started toward growing small business credit.
The post What’s the Best Way to Build Business Credit? We Have the Secret! appeared first on Credit Suite.
Low-cost Credit Cards Help to Leave Fees Behind
Reduced rate of interest bank card are cards that supply substantial buying power for customers while reducing their general financial obligation tons. The term might appear ‘deal cellar’, however it is making good sense to a growing number of customers.
You must take into consideration all costs while looking for a reduced rate of interest bank card including, consisting of yearly costs, equilibrium transfers, as well as any type of additional appropriate costs.
Additional Fees
Charge card charges can usually be stayed clear of, however still call for an extensive understanding. When these costs are all existing in a charge card use it might be a good idea to stay clear of the deal entirely. Some charges will certainly be inevitable, yet others are totally preventable.
Different added costs consist of:
– Late repayment charges
– Set-up costs
-” Over-the-credit-limit” charges
– Return things charges
– Fees for orders made by telephone
Equilibrium Transfer Fees
Reduced Interest credit report cards are usually made use of in moving equilibriums from a greater passion price credit rating card to a brand-new reduced rate of interest price card. The ideal cards will certainly provide no transfer charges or incredibly reduced initial yearly percent prices (APR).
Yearly Fees
Bank card deals will normally note the quantity needed as a yearly charge. Numerous economical charge card deals have actually removed this charge in “basic usage” cards, however might still need them for their particular incentives programs. See to it to comprehend what yearly cost is being billed as well as if it makes monetary feeling for your circumstance.
After that it is crucial for you to make certain you locate a card with the least costs, if you are a customer that pays your credit rating card off each month. Affordable bank card been available in a selection of arrangements as well as fast paying customers can be punished for approving a card which contains charges that can be evaluated also when the card is not being made use of.
Are These Fees Hidden?
When you use, Credit card business should provide all costs linked with your card choice. Checking out the deal in its whole is the only method to ensure you have actually the understanding required to make smart use the charge card.
Review
Low-cost bank card are frequently specified by their reduced rate of interest and also less included functions such as luxurious benefits programs. A number of economical credit score cards have benefits programs, however the incentives might be less or much less pricey.
The charge card industry is very affordable, which has actually caused a wide range of selection in the field of non-mortgage consumer debt. By recognizing the different facets of non-mortgage consumer debt, you have the power to pick a card that finest fits your way of living as well as investing practices.
An on-line search of the bank card supplies that suit your demands is an advantageous means to contrast the range of aspects of a bank card deal. When a customer is efficiently matched with the very best bank card for their scenario, it shows a feeling of customer empowerment that is expanding with every on-line bank card contrast.
Credit history card charges can frequently be prevented, however still need a detailed understanding. When these costs are all existing in a credit report card supply it might be smart to stay clear of the deal entirely. The finest cards will certainly provide no transfer costs or extremely reduced initial yearly portion prices (APR). Credit scores card deals will usually provide the quantity called for as a yearly charge. Lots of inexpensive credit history card deals have actually removed this charge in “basic usage” cards, however might still need them for their corresponding benefits programs.
The post Affordable Credit Cards Help to Leave Fees Behind appeared first on ROI Credit Builders.
Article URL: http://hive.co/l/fs-dev-oct-1 Comments URL: https://news.ycombinator.com/item?id=21193362 Points: 1 # Comments: 0
Discover How To Earn Continuous Money With A Residual Income Business Opportunity They have actually begun gaining a recurring earnings. Everybody is looking for a method to make even more cash as well as a recurring earnings service possibility is a terrific means to do so. Direct revenue is revenue an individual makes from doing …