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Business Credit Card Rates: Everything You Might Need to Pay

Find Out What Hidden Business Credit Card Rates to Look For and How to Avoid Them

Credit cards are a fact of life for most small businesses.  They get a bad rap, but used properly they can be hugely beneficial.  It is a precarious walk on a balance beam, however, to balance the benefits versus the cost.  When you think of business credit card rates, the first thing that comes to mind is probably interest rates.  These are, of course, one of the largest costs of credit cards.  They are also widely variable, ranging from as low as 0% for an introductory rate to almost 30% in some cases.

There are many more costs that can be associated with these cards however.  So many in fact, that many business owners do not even realize the business credit card rates they are paying.  It can be frustrating to continually make payments yet never see a corresponding decrease in the balance.  We dug in to find out everything you need to know about the business credit card rates you know, those you don’t know, and how to handle or avoid each one.

Business Credit Card Rates: The Devil You Know

Here are some common business credit card rates you are probably familiar with, and some tips on how to save on each.

Check out our professional research and score the best business credit cards for your business.

Interest

This is a given with any credit card, and most likely the number one cost most associate with them. The only way to avoid it is to pay off the entire balance every month.  Short of that, it cannot be eliminated.  It can be reduced however.

First, keep your personal and business credit score strong.  The better the score, the lower the interest rate options available to you.  Then, shop around. Just look for the cards with the best rates.  Be aware however, many lower rates are promotional only, so they will go up after a set period of time.

Annual Fees

When it comes to business credit card rates, this one is no secret either.  Many cards charge an annual fee for the administration of the account. Most often they are associated with cards that earn rewards such as miles or points that can be converted to gift cards, airline miles, or cash back.  The key to keeping annual fee costs to a minimum is to simply use cards that do not charge this fee.

If, however, you find a card with a fee that has rewards that you will use to the point that you recover the cost of the fee plus some, then the benefit may outweigh that cost.  There could be other benefits associated with a card that charges a fee as well.  A cost-benefit analysis based on your specific business situation is the only way to know if it is worth it.

Late Fees

This one is self-explanatory. Late fees are charged to your card when you pay after the due date.  The best way to avoid them is to not pay late.  However, know that if you do pay late and it is a first offense, you may be able to have that fee removed.  You have to call and ask.  It doesn’t always work, but sometimes it does for a first offender.

Hidden Business Credit Card Rates

Now for the part you are really wondering about.  What are you paying that you do not realize?  How much could you save if you knew about these things and either avoided them or chose cards that did not charge them?  Here are the hidden costs to look for, and how to reduce or avoid them all together.

Balance Transfer Fees

These are fees on balances that you transfer from another card.  Typically this would be done in an effort to get a lower, promotional interest rate on the balance transfer.  Usually the fee is a percentage of the amount being transferred with some minimum.  So if, for example, you were to transfer $3,000 and the transfer fee was 3%, your balance on the new card would increase by $3,090.

The only way to avoid this is to not do a balance transfer.  Of course, there could be cases where the savings with the promotional rate makes it worth the fee.  That will have to be determined on an individual basis.

Cash Advance Fees

These are just as they sound, fees paid on cash advance funds.  Similar to balance transfer fees, they are typically a percentage of the advance.  Cash advances can come in the form of cash advance checks that you simply write and deposit into your account, or funds that you get from an ATM with your credit card and a cash advance PIN.  If you do not do cash advances with your credit card, you do not have to worry about this fee.

Reward Redemption Fees

Did you know that sometimes you have to pay a fee on rewards that you earn?  The credit card companies say that this is to pay for the processing of the rewards.  Avoid these fees by reading the fine print in the rewards section before you apply for the card.  Most do not even know that these fees exist, and sometimes they end up costing more than the rewards are even worth.

Reward Recovery Fees

This fee is closely related to late fees.  Some cards revoke rewards earned during the month if you are late on your payment for that month.  They then charge a fee to reinstate those rewards.  To avoid this fee, be sure to pay on time.

Inactivity fees and Account Closure Fees

The inactivity fee is assessed after you go a certain length of time without any activity on the card. Most often that amount of time is one year.  The first thing you have to do to avoid this fee is know which cards have if. After you determine that, figure out the minimum you must spend in a year to avoid the fee.  Then, either make certain you spend that amount, or cancel the card.

Beware however, because some cards do charge a fee for closing accounts.

Payment Protection

Most cards offer a payment protection plan.  This is basically insurance that will cover your payments in the event you become ill or unemployed.  While is sounds great, it can be quite expensive and add up quickly. Avoid it by either opting out on the front end, or canceling it if you already have it and do not want to pay it.

Paper Statement

The push to save the environment is a noble one, and the credit card companies are doing their part.  One way they are doing this is by charging a fee for paper statements.  You can opt in for electronic statements and avoid paying the fee.

Foreign Transactions

Did you know that if you use your credit card to pay for goods from a company that is not located in the United States, you may have to pay a fee for that transaction?  This is true even if you never leave the country, and even if you do not know the other company is foreign.  Read the fine print about fees before making any purchases from companies you are not familiar with to determine if this will be an issue.

Taxes on Rewards

While this isn’t exactly a credit card fee, it is a potential hidden cost of using credit cards.  There are times when, depending on how rewards are earned and how they are used, that you may have to pay taxes on them.  Find out more about this and how to avoid it here.

Check out our professional research and score the best business credit cards for your business.

Here’s the big key to avoiding unexpected fees and costs.  Know what to look for.  Now that you have a list of the most common hidden credit card costs, you can be diligent to pay close attention on the front end and not apply for any credit cards that charge fees you do not want to pay.

No one wants to pay more than they have to.  On the other hand, some of these fees may be worth it to you to pay depending on the benefit associated with it and whether or not your specific business could benefit.  For example, if you have a chronic health issue, it may be worth it to you to pay for the payment protection plan.

Why Business Credit Card Rates May Be Worth It: Benefits of Business Credit Cards

While all these costs can make it seem that credit cards are the devil, and though they do get a bad rap, there are actually plenty of benefits to using business credit cards. Here are just a few:

  • Build business credit
  • Finance business needs without the hassle of a loan, including:
    • Taking advantage of special bulk pricing
    • Equipment maintenance and repair
    • Working capital
    • Unexpected, or expected, cash gaps
  • Use rewards to reduce costs

Of course, we all know credit can get out of hand, but used properly and with the proper attention to business credit card rates, they can be an amazing tool for your business.

How Can They Help Build Business Credit?

Not only can these cards help you build business credit, they are actually vital to the process.  Of course, regardless of the business credit card rates, you will have to have business credit to get business credit.  That is why you start with vendors in the vendor credit tier first.  These vendors will give you net 30 terms on invoices and report those payments to the credit reporting agencies, without a credit check.  After you have enough of these accounts reporting, you will have enough business credit to apply for your first business credit cards.

You’ll start with store cards.  Cards tied to retail stores such as Best Buy, Office Depot, and Lowes will approve accounts with very new business credit earned from accounts in the vendor credit tier.  They will also report payments to the credit agencies, which will further grow your score

After enough of these are reporting, you can apply for cards in the fleet credit tier and the cash credit tier.  As these cards report your on-time payments, your score will only grow stronger.  This will also mean you start getting offers from cards with more favorable business credit card rates, such as lower interest. Find out more about the credit tiers and building business credit using credit cards in each one here.

Side Note: Hidden Business Credit Card Rates When Accepting Credit Cards

Just as there are hidden fees when it comes to using credit cards in the course of your business, there are also hidden rates on the other side.  If you accept cards as payment in the course of your business, be aware of these little-known costs.

Manual entry fee

Did you know that it costs your business more in credit card processing fees if you manually enter the credit card number rather than swiping it?  It’s because of the increased security risk.  If at all possible, make sure customers swipe instead of type in the number.

Check out our professional research and score the best business credit cards for your business.

Below Limit Costs

Okay so this isn’t an “extra” fee per se, but it is a definite cost.  It is entirely possible that you can lose money on a credit card sale if it doesn’t hit a certain dollar amount.  This is because the business credit card rate on processing that transaction may actually be more than the profit earned from it.

That’s why you see many businesses, such as donut shops and other businesses with frequent low dollar amount purchases, require a minimum purchase if you intend to use a card.  This not only avoids the problem of losing money on low dollar amount purchases due to processing fees, but it can increase profits when you consider the number of people that do not carry cash.

Stop Paying Business Credit Card Rates You Do Not Know About

It is impossible to find a card with no unsavory fees.  The key is to determine which ones are worth it to you to pay.  Then, apply only for cards that charge business credit card rates you are willing to pay.  The credit card industry is fiercely competitive, and if your business credit score is solid, you can have your pick of the cards that will work best for you.

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The Importance as well as the Relevance of the Macroeconomic Indicators

The Importance and also the Relevance of the Macroeconomic Indicators

The financial tasks which happen within the structure of a nationwide economic climate are concretized in a vast array of solutions and also products. Their evaluation under valoric or physical facet is understood with the aid of the financial indications.

The financial indication exposes the numerical expression of the measurable side of the financial sensations and also procedures in a specific room as well as time problems. It allows to make noticeable these sensations as well as procedures quantitatively, structurally and also qualitatively as well as to observe the connections in between some specific subsystems of the nationwide economic climate.
According to the degree these indications are computed for, there can be macroeconomic and also microeconomic indications; if the previous reveals the outcomes at the degree of specific financial representative, the last procedures the efficiency at the degree of nationwide economic situation. The beginning factor in computing the macroeconomic signs is stood for by the microeconomic ones.The crucial macroeconomic indications are the accumulated item, the gdp, the gross nationwide item, the nationwide earnings as well as the individual earnings of the populace.
The Gross National Product (GNP) stands for the marketplace worth of the last products and also solutions generated in a particular amount of time, typically one year, by the affordable representatives of a nation, no matter their presence inside or outside the limits of that nation.

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Email List Building: How To Get Started Building Your Own Email Mailing List

Email List Building: How To Get Started Building Your Own Email Mailing List

Email listing structure is a typical advertising and marketing technique these days. There are really couple of companies that you can go right into these days that do not ask for your e-mail address or ask if you desire to authorize up for unique deals or updates with your e-mail.

These days, with every person asking for e-mail addresses with the quantity of spam on the net, it is obtaining harder and also harder for you to be able to obtain an individual’s e-mail address from them for your e-mail listing structure data source. If you are an in-store private asking for an e-mail address for developing your e-mail checklist, attempt aiming out the advantages, like e-newsletters, promos or various other advantages they could obtain by having their e-mail address on your e-mail checklist. For those of us with web sites, including an easy kind for e-mail collection is normally the ideal method to go regarding e-mail listing structure.

If you currently have an e-mail checklist, attempt this e-mail checklist structure choice. A 3rd choice in the e-mail checklist structure procedure is outbound telemarketing. In this procedure, you construct your e-mail checklist by speaking to clients over the phone and also allowing them understand they might possibly stay clear of the phone call if they authorized up for the e-mail solution.

When trying to do email listing structure, attempt to utilize as several of these as you can. This will certainly aid you to develop a huge e-mail address base.

These days, with everybody asking for e-mail addresses with the quantity of spam on the net, it is obtaining harder as well as harder for you to be able to obtain an individual’s e-mail address from them for your e-mail checklist structure data source. If you are an in-store private asking for an e-mail address for constructing your e-mail checklist, attempt aiming out the advantages, like e-newsletters, promos or various other advantages they could obtain by having their e-mail address on your e-mail listing. For those of us with internet sites, including a basic kind for e-mail collection is generally the finest method to go regarding e-mail checklist structure. If you currently have an e-mail checklist, attempt this e-mail listing structure choice.

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Do You Owe Tax on Business Credit Card Rewards? The Answer Might Surprise You

And 3 Surprising Things Other than Tax on Business Credit Card Rewards that May Impact Your Taxes

When choosing a credit card, whether personal or business, there are several factors to compare.  Interest rate is probably the one most consumers consider first, followed closely by credit limit, and then rewards.  Throw an annual fee in the mix, and you have even more to ponder.  Back to the rewards thing though.  Who doesn’t love a good reward? Cash back, points, airline miles galore, these are often the things that make the choice between one card or the other most interesting.  When it comes to rewards however, one thing most do not consider is that they may have to pay a tax on business credit card rewards.

When Do You Have to Pay Tax on Business Credit Card Rewards?

Whether or not you pay tax on credit card rewards on your business credit cards will depend.  Depends on what you ask?  It depends on whether you had to spend money to get those rewards.  For example, if you earn cash back, that would be a discount rather than income. It is therefore not taxable.  The same is true if you earn points or travel miles as a percentage of the money you spend.  If you earn $1 cash back for every $5 spent, that is considered a $1 discount, not $1 of income, and therefore not taxable.

If, however, all you had to do was open the account to earn the reward, and you did not have to spend anything to get it, then you may have to report it as income.  This is the case with the bonuses that many credit card companies are fond of offering for opening an account with them.  They may come in the form of cash, points, or miles.  It doesn’t matter what form they take.  If you didn’t have to do anything to get them, they are likely going to be taxable.

If your credit card information specifically states the funds are taxable, or if you receive a form 1099 from your credit card company, you can be sure there will be a tax impact. However, the absence of these two things does not set you free. A company only needs to to send a form 1099 if the amount is $600 or greater.  Amounts under $600 are still taxable, but companies only have to send a form 1099 if the amount is over $600.

Check out our professional research and score the best business credit cards for your business.

Real Life Example of Tax on Business Credit Card Rewards

In 2012, some Citibank card holders received frequent flyer miles as a gift for opening their accounts.  At tax time, a 1099-Misc came in the mail. It indicated the miles had been reported to the IRS as income with a value of 2.5 cents per mile. As you can imagine, this was an unwelcome shock to most.  Since they did not have to spend anything to receive the miles, the reward was taxable income.

Special Considerations for Tax on Business Credit Card Rewards

When it comes to tax on rewards from business credit cards, there are some special considerations that can affect the tax impact of the rewards.

Using Rewards to Offset Business Expenses

If you are using business credit card rewards to reduce the cost of business purchases, that affects the amount of a business expense that is tax deductible.

For example, if you purchase a new printer for your business for $300, and you offset the cost with rewards equal to $100, you can only deduct $200 as a business expense.  In this way, business credit card rewards can still increase your taxable income, though they are not technically taxable as income directly.

tax on business credit card rewards Credit Suite2

 

Using Business Credit Card Rewards to Offset Personal Expenses

If you happen to use rewards earned on business credit cards for personal expenses, rather than business expenses, you will not have to worry about them reducing business expense and thus indirectly affecting your tax liability.  The question has come up about whether rewards earned on business cards and used for personal purposes should be personal taxable income.  The IRS has said no.  They will not consider this to be taxable income.  As a result, there is zero impact on your taxes from these rewards.

Charitable Donations

If you receive a $500 bonus for opening an account, that is taxable income because no spending took place to get those funds.  If, however, you have the option to donate that amount to a charity, you do not have to report that $500 as income. And it is also tax deductible as a charitable contribution.  It’s a win/win.

Recap: How Do You Avoid Tax on Business Credit Card Rewards?

What’s the takeaway?  To best use your business credit card rewards with minimum tax impact, do the following:

  • Donate any bonuses, such as rewards not attached to required spending, to charity.
  • Use rewards such as cash back, points, or miles for personal expenses rather than to reduce business expense.

How Do I Find the Best Business Credit Cards for My Business?

There are a ton of options when it comes to choosing a business credit card, and which one is the best for your business will depend on many factors.  The first, as mentioned earlier, should probably be interest rate.  You want the interest rate to be as low as possible.

Next, consider the credit limit.  Does it give you access to enough funds to handle what you need it to?  If you are going to consistently have balances at or near your credit limit, that’s no good. It will lower your debt-to-credit ratio, which directly impacts your credit score in a negative manner.

The next thing to look at is rewards.  You need to find the card with the rewards that will be the most useful to you.  A great travel rewards program is only great if you travel a lot.  Triple points earned at gas stations and restaurants sounds good, but it is only a good deal if you spend a lot of money at gas stations and restaurants. If most of your credit cards spending is on supplies or inventory, these rewards will not be useful to your business.

Check out our professional research and score the best business credit cards for your business.

Next, balance the cost of the rewards versus how much you will actually benefit from them.  For example, you may have a card with rewards that are good for you.  But if it has a high annual fee, determine if the rewards benefit actually makes up for the cost of the annual fee. Do you pay $100 fee each year?  Then be sure to earn more than $100 worth of useable rewards with that card annually.

How To Get Business Credit Cards

Of course, the business credit card discussion is moot if you don’t even have one.  Perhaps you have tried, but you can’t get approval. Here’s the key.  You need to have strong business credit to get the best business credit cards.  This is credit that is separate from your personal credit, and therefore the accounts on your business credit report do not affect your personal credit score.

Business credit doesn’t just happen on its own however, and most new businesses do not realize this.  In fact, many new small business owners are not aware that business credit is even a thing, and consequently they have no clue how to set up their business properly to allow them to build business credit.

How Do You Set Up a Business to Build Business Credit?

Before you can worry about tax on business credit card rewards, you have to have business credit cards.  Before you can get business credit cards, you need business credit.  To get business credit, you have to set up your business to be a separate entity from yourself.

The first step in this process is to incorporate.  It is easy for a new business owner to simply operate as a sole proprietorship or a partnership, but this ties up all your personal credit data with your business information.  By incorporating, you are taking the first step in separating your business from your personal credit.

Next, apply for an EIN.  You can do this for free at IRS.gov.  It is a number that functions as an identifier for your business the same way your SSN is a personal identifier.  You will use this number on business credit card applications instead of your SSN.

Then, you will need to get a DUNS number.  This is a unique identifying number that you get from Dun & Bradstreet.  Since D&B is the largest and most commonly used business credit reporting agency, this number is essential to building business credit.  Get it for free on the Dun & Bradstreet website, but don’t let them fool you.  They will try to sell you a bunch of stuff you don’t need.  You really only need the number, and it is free.

Other Things that Will Make Your Business Appear Fundable On its Own to Lenders

What else does your business need to appear as a fundable entity separate from you personally?

  • A phone number and address that is different from your personal phone number and address. The phone number should be through a toll -free exchange and listed in the directories along with the business name and address.
  • A business bank account that all business transactions run through. Not only does this help separate your business as its own entity, but it also makes it easier to separate business expenses come tax time. In addition, some lenders actually make a business bank account a requirement for approval.
  • A professional website and dedicated email address. The email address should have the same URL as the website, and the web address should be something professional and paid for. A free email or website service is not suitable for these purposes.

Surprise! Here Are 3 Other Things that are Taxable that May Not Know

Now you know whether or not your credit cards rewards are taxable, how to avoid tax impact from business credit card rewards as much as possible, and how to get the best business credit cards for your business.  How about a few fun facts?  Here are 3 things that are taxable that you probably did not realize.

Bitcoin

Yes, if your bitcoin is currently worth more than you paid for it, the gains are taxable just like with stocks and bonds.  This also rings true of Bitcoin you get from your employer as compensation, a bonus, incentive, or even as a gift.

Gifts from an Employer

Speaking of gifts from employers, they are usually taxable.  This includes more than cash bonuses.  Did your boss give you an awesome new set of golf clubs or a weekend in his beach condo?  That may be taxable too.

Check out our professional research and score the best business credit cards for your business.

Bartering

This one was a total shock to me.  One of my favorite small business budget hacks is to barter within my network for goods and services.  It is not uncommon for small business owners to trade off for any number of things.  Graphics, social media management, content writing, cleaning services, printing services, and more.  The cash value of those trades can actually be taxable.  Who  ?

Do You Owe Tax on Business Credit Card Rewards?  Maybe, Maybe Not

It all depends on how you got those rewards and what you do with them. Most credit card rewards are actually a discount, because they are directly related to some level of spending.  These are not taxable, but they can still increase your taxable income by decreasing your business expense deduction if you choose to use them to reduce your business expenses. But if you choose to use those rewards to reduce personal expenses, they have no tax impact at all.

Bonuses for opening an account are different.  They are taxable as income, even if they do not reach the $600 threshold to trigger a form 1099.  This changes if you get the option to donate these funds to charity and choose to do so.  Not only are they then not taxable, but they also count as a tax deduction.

The best option to avoid tax on business credit card rewards is to choose the card with the rewards that will best benefit you personally.   Then you can redeem rewards for personal use. For bonuses, just donate them to charity if given the option.  It looks good for your business, and it will only help you come tax time.

Always be careful to weigh the tax benefit of not using rewards for business expense against the actual benefit of the cost reduction however.  You may find reduced expenses to be worth the cost come tax time.

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Making use of The Government To Start Your Business

Utilizing The Government To Start Your Business Many individuals, when beginning their very own organisation, aren’t certain where to transform for help. Yes, there are exclusive organizations that can assist you along your method, yet among the very best sources for the ambitious as well as young business owner is the federal government. Programs as …

Pachyderm Raised $10M and Is Hiring DevOps, JavaScript, and Golang Devs

Pachyderm (YC W15) — San Francisco or remote (within North America) — https://jobs.lever.co/pachyderm/ Positions: * Core distributed systems/infrastructure engineer (Golang)- You’ll be solving hard algorithmic and distributed systems problems every day and building a first-of-its-kind, containerized, data infrastructure platform. * Front-end Engineer (Javascript) – Your work will be focused on developing the UI, perfecting the …

Spanish team pushing for 2021 F1 entry with Wehrlein

A Spanish team is pushing to join Formula One in 2021, with former Mercedes junior Pascal Wehrlein named as a driver.

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Financial institutions in Indonesia

Financial institutions in Indonesia

There have to do with one-hundred-thirty-one financial institutions in Indonesia existing today, in spite of the several closures throughout the begin of 1997. Initially, there mored than 2 hundred financial institutions in the nation, the number being dramatically owed to an instead reduced entrance financial investment to open up a financial institution in Indonesia; it is in fact the most affordable in all of South East Asia. Considering that the Asian economic collapse in 1997, the a great deal of financial institutions in Indonesia have actually been shut and also marketed, consisting of the September 5th 2006 marketing of the continuing to be twenty-six percent risk of its eight-biggest financial institutions by possessions, the Bank Permata.

No matter the lots of closures, the nation’s reserve bank still believes that the existing variety of financial institutions in Indonesia is still a lot of, as well as is especially anxious on combining the larger ones. Much, Indonesia has for large financial institutions certified as local competitors which consist of Bank Mandiri, Bank Central Asia, Bank Negara, and also Bank Rakyat.

Financial institution Mandiri
This financial institution is Indonesia’s biggest financial institution by down payments, lendings, and also possessions. As of March 2005, Bank Mandiri has actually eight-hundred-twenty-nine branches extended throughout 3 varied Indonesian time areas, as well as 6 branches outside the nation.

Financial Institution Central Asia
The financial institution looked for the aid of its Indonesian federal government as well as in 1998 the Indonesian Banking Restructuring Agency took over monitoring of the financial institution. Later on, the Bank Central Asia made a large action by going public.

Financial institution Rakyat
This is amongst the most significant financial institutions in Indonesia, concentrating on microfinance as well as little range design loaning and also loaning to its regarding thirty million retail customers via its greater than four-thousand branches, country solution articles, as well as devices. It is currently seventy-percent federal government possessed.

Indonesia’s reserve bank has actually phased extra specific resources demands by 2010, to motivate mergings, along with outlawing any individual from having greater than quarter managing risk in greater than one financial institution. The federal government is likewise based on this plan therefore they would certainly either need to combine or market a few of its regulated financial institutions in Indonesia.

There are concerning one-hundred-thirty-one financial institutions in Indonesia existing today, in spite of the numerous closures throughout the beginning of 1997. Initially, there were over 2 hundred financial institutions in the nation, the number being dramatically owed to an instead reduced entrance financial investment to open up a financial institution in Indonesia; it is really the cheapest in all of South East Asia. Given that the Asian monetary collapse in 1997, the a great deal of financial institutions in Indonesia have actually been shut and also marketed, consisting of the September 5th 2006 marketing of the staying twenty-six percent risk of its eight-biggest financial institutions by possessions, the Bank Permata.

The financial institution looked for the help of its Indonesian federal government as well as in 1998 the Indonesian Banking Restructuring Agency took over administration of the financial institution.

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New comment by fovc in "Ask HN: Who is hiring? (October 2019)"

Inc-Query | Operations | Full-time | REMOTE (Americas/Europe only) | https://inc-query.com

Bootstrapped, profitable, very rapidly growing B2B tech company. We program surveys insanely fast for private equity and management consulting clients.

If you enjoy dealing with very smart clients in a somewhat technical and fast-paced environment, this role may be for you. The Survey Director exercises 3 different skill sets:

1. Client management/communication skills: Interact with clients all the time

2. Business acumen: Learn about different industries/niches and transfer learning across projects

3. Technical skills: Never-ending supply of short coding puzzles (think <10 lines)

This is not a software engineering role, but some coding familiarity is required. It’s a tough role, but super interesting work!

If you’re interested in learning more, shoot me (the founder) a note with either your resume and/or LinkedIn: hn@inc-query.com. You’d be joining a handful of other HNers who work here.

GGG vs. Derevyanchenko predictions: Who will win?

Gennadiy Golovkin and Sergiy Derevyanchenko fight for a vacant middleweight title on Saturday. Who will win? Our experts make their picks. The post GGG vs. Derevyanchenko predictions: Who will win? appeared first on Buy It At A Bargain – Deals And Reviews.