Ringside Seat: Can GGG get past Derevyanchenko, lure Canelo next?

Gennadiy Golovkin faces Sergiy Derevyanchenko on Saturday, but Canelo Alvarez is still on his wish list. The post Ringside Seat: Can GGG get past Derevyanchenko, lure Canelo next? appeared first on Buy It At A Bargain – Deals And Reviews.

Cloosiv (YC S19) Raised a $1M Series Seed and Is Hiring a Full-Stack Engineer

Apply on the posting or send an email with your resume to james@cloosiv.com

Thanks!

Comments URL: https://news.ycombinator.com/item?id=21153778

Points: 1

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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 user experience, and pioneering new products such as a hosted version of Pachyderm’s data solution.

* DevOps — Pachyderm is hiring a deployment and devops expert to own and lead our infrastructure, deployment, and testing processes. Experience with Kubernetes, CI/CD systems, testing infra, and running large-scale, data-heavy applications is important.

* Solutions Engineer/Architect — Work with Pachyderm’s OSS and Enterprise customers to ensure their success. This is a customer facing role that bridges support, product, customer success, and engineering. About Pachyderm:

Love Docker, Golang, Kubernetes and distributed systems? Pachyderm is an enterprise data science platform that offers Git-like version control semantics for massive data sets and end-to-end data lineage tracking and auditing. Teams that find themselves struggling to maintain a growing mess of advance data science tasks such as machine learning or bioinformatics/genomics research use Pachyderm to greatly simplify their system and reduce development time. They rely on Pachyderm to do the heavy lifting so they can focus on the business logic in their data pipelines.

Pachyderm raised our Series A led by Benchmark (https://pachyderm.io/2018/11/15/Series-A.html), so you’d be getting in right at the ground floor and have an enormous impact on the success and direction of the company as well as building the rest of the engineering team.

Check us out at:

pachyderm.com

http://github.com/pachyderm/pachyderm

Comments URL: https://news.ycombinator.com/item?id=21152325

Points: 1

# Comments: 0

What Is Wealth?

Many of us desire of obtaining wide range. There are a number of means you can obtain riches.

What is riches?
Several ideas as well as remedies of what riches can imply to you:

Strive
These individuals do not require to have bachelor levels that allow them to get wide range. All it takes is willpower as well as a company dedication to accomplish your objective of getting riches.

Spend Wisely
Many individuals get wide range quickly by ensuring that they spend whatever cash they have carefully. There are supplies, treasury costs along with time down payments, which can increase your cash after some time period. It is crucial to recognize that these financial investments come with specific threats and also you must be able to take into consideration these threats in your choices.

Handle Your Money Better
Getting riches is simply half the fight. You might have listened to regarding individuals that have actually shed all the riches they got since they were not able to handle their cash carefully.

Inform Yourself
Among the keys of obtaining riches is continual education and learning. Recognizing the current details will certainly give you with the needed devices to be successful of your rivals. There are likewise training courses provided in addition to self-help publications that can offer you with practical ideas as well as guidance.

Believe Wealthy
Remarkably, individuals that have actually obtained much riches have actually started by thinking about riches. You can attempt hypnosis as a method to change your habits and also assist you reach your objectives. Hypnosis can likewise change you right into an extra committed individual.

If you comply with these terrific suggestions, getting wide range will certainly be a little bit simpler. Simply ensure that you utilize your wide range to boost your lifestyle in addition to the other individuals around you. Your wide range needs to be the start of terrific points as well as not come to be the origin of negative occasions.

These individuals do not require to have bachelor levels that allow them to obtain riches. All it takes is determination as well as a company dedication to accomplish your objective of getting wide range. Several individuals obtain wide range quickly by making certain that they spend whatever cash they have intelligently. You might have listened to concerning individuals that have actually shed all the wide range they got due to the fact that they were not able to handle their cash intelligently. Remarkably, individuals that have actually obtained much riches have actually begun out by reasoning of riches.

The post What Is Wealth? appeared first on ROI Credit Builders.

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.

The post Business Credit Card Rates: Everything You Might Need to Pay appeared first on Credit Suite.

Leverage Your Work Downtime and More –10 Brilliant Business Tips of the Week

The Hottest and Most Brilliant Business Tips for YOU – Take the Best Advantage of Your Work Downtime and More

Our research ninjas at Credit Suite smuggled out ten amazing business tips for you! Be fierce and score in business with the best tips around the web. You can use them today and see fast results. You can take that to the bank – these are foolproof! Your work downtime won’t know what hit it!

Stop making stupid decisions and start powering up your business. Demolish your business nightmares and start celebrating as your business fulfills its promise.

And these brilliant business tips are all here for free! So, settle in and scoop up these tantalizing goodies before your competition does!

#10. Drop Bad Data for Better Data

Our first jaw-dropping tip is all about dealing with bad data and better visualizing sales performance. HubSpot says there are all sorts of ways for data to go a little, shall we say, ca-ca.

In the interests of full disclosure, your intrepid blog writer used to work in data analysis. And this article brings it all back.

Excuse me while I crawl into a corner and cry for a few minutes.

Okay, I’m back.

There’s an Error for Every Occasion

Or so it seems.

The biggest issue with bad data is that it wastes time. And we all know what time is.

So, what’s wrong, and how do you fix it?

One should be obvious-ish. Human error! For every time a human must touch data, there are opportunities for error.

Another issue is not having what they call ‘one source of truth’. Hence, your sales figures from Des Moines (for example) should have but one origin. That origin can be fed from several places. That part’s no problem. After all, you get online sales data from a different place from where you get the offline data. But it’s up to the Des Moines office or someone in charge to put that data together and make it the one number – the sales figures.

Another issue was not accounting for seasonality – and yet another was not accounting for differences. You might be expecting, say, $100,000 from Des Moines, but that doesn’t mean you’re going to get it. Don’t go into data analysis with preconceived notions of what the answers are going to be. That way lies madness.

A Personal-ish Plea

While this isn’t in the article, it kind of should be.

Hire a data professional.

Once your business gets big and you start making regular money, you might want to make a data person one of your hires. This person can be part time and they can be a junior person. But with a person who knows what they’re doing with data, that can make all the difference. It can also save you time and money, because that person will oversee tracing down errors and cleaning up data to make it usable.

Let them have those headaches, so you don’t.

#9. That Lead Shoots! It Scores!

The next awesome tip is about lead scoring. Opt in Monster notes lead scoring is a way to rank your prospects to better understand their sales readiness.

Wait, you don’t do this?

Er, you probably should.

Separate the Wheat from the Chaff

More accurately, this more like separating the mature wheat from its seeds.

What’s the difference between someone who got on your mailing list three years ago and never interacted again, versus someone who did that, plus follows you on Facebook and retweets you?

If you don’t see a difference, you might want to reconsider this entrepreneur thing, mmkay?

The difference, of course, is that the second person is far more engaged in your brand. So, it should follow that you want to concentrate your efforts more on them than the other.

This doesn’t mean abandoning the other person! It just means treating them differently.

Scoring adds an objective angle to this. It’s hard to argue with hard numbers.

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Leverage your work downtime and more.

#8. Dashboarding Through the Snow (or Falling Leaves)

Our following life-changing tip concerns building an ecommerce dashboard. Sumo lays it all out for us. Dashboarding is a great way for you to see how your business is doing at a glance. Specifically, this tip is all about setting up one within Google Analytics.

We were so happy that this article has step by step instructions. Hence, we highly recommend reading it in its entirety. Heck – print it out and make a poster out of it.

Google Analytics is an exceptionally powerful tool, and it’s 100% free. It would be a shame for your business to not use it to its fullest capacity.

#7. It’s All in the Presentation

For our next sensational tip, we looked at presenting business proposals to win clients. Succeed as Your Own Boss says that leading with stories is helpful. This is as opposed to facts and figured – stories are compelling!

A lot of this article concerns relating to your proposed clients. You want to show them data as a backup, yes. After all, without data, you have no proof that anything you do will work. But then dovetail that with a story.

Make it personal, and make it relate to your prospects. And talk to your prospects – ask them questions and show an interest in them and their business.

If you don’t, then someone else will.

#6. Save the Simoleans With Accounting

This tip is so unexpected, but it works! The Self Employed tells us there are ways to save money with accounting.

Yes, accounting.

Ya Gotta Keep ‘Em Separated

So, of course this article starts with our old chestnut tip – separate your business and personal money. Keep the spending in separate buckets.

You will not only be more organized; you’ll be so much happier at tax time.

But it was with the third tip where we really felt the article hit its stride.

Make Your Payment Teams Clear

Now, how many times have you dealt with someone just getting started who was wishy-washy about the due date for getting paid? You may very well have.

That person may even be you.

So, cut that nonsense out. Yesterday.

The best way to be clear about payment terms is to put them in writing. Not just on your website. Slay a tree and put those terms on paper if your clients are at all local. There’s just something about getting a paper bill in the mail which can help to spur people to action.

This should be in addition to electronic billing, and not in place of it. Clear bills are also 100% vital if you find yourself in court.

Date of service. Add whatever your terms are (say, Net 30). And add the due date for the invoice. Make it clear which percentage is due when, if you do that. So, for example, if you own a construction business, you will probably want a percentage on the first day, more in the middle if the job goes on for a while, and the balance upon delivery.

Why? Because you’ll need cash to buy materials. And you’ll need income to hold you over until the final payment comes in. Protect yourself with clear billing and payment terms.

With less time spent chasing payments, you might get some work downtime, which we’re covering next.

#5. Take Advantage of Your Work Downtime

Grab this mind-blowing tip while it’s hot!

Every single one of us has work downtime. Find out how to make the best possible use of yours and your employees’.

The Work at Home Woman says there are a lot of great ways to fill up those unexpected moments when suddenly everything is clear.

Not like we would know what those look like. So, in theory ….

Use Your Work Downtime and Change Things Up

We loved two separate tips which certainly go together well. One was to take on a new challenge. The other was to learn something new. Take the time to learn a new skill.

So, for example, if you’ve always been mystified by mail merge or how to best set up your email folders, do it now! It’s a great use of your work downtime.

What Do You Mean, You Don’t Love Procedures?

Heh, just kidding. We find them kind of regimented and often not well-written at all.

Therefore, why not edit and improve and update them during your work downtime? Or write them if they don’t exist at all.

How do you lock up for the night? Make it a procedure. How do you answer an angry customer on social media? Write that down, too.

You will be so glad you did this.

Organization

One thing which wasn’t mentioned in the article was something we highly recommend during work downtime – getting organized. Change up your email rules (or add them in the first place) and get incoming mail foldered before you ever see it.

Personal pro tip: you know all those emails which you need to get to but not at this very moment? If you’re keeping them unread, then you might be messed up if you accidently convert one from unread to read. Or, heaven forbid, all of them.

So, this is what I do.

Create a separate email folder and name it something like Inbox Overflow or Almost Urgent or whatever works best for you. Place those emails which require attention but not right now in there. And, please remember they’re in there, of course.

This way, you can pluck them from the stack without having to worry about keeping them unread. And email folders are sortable and searchable in every system. Hence you can get a handle on which of those emails are more pressing than others.

It also beats pawing through your entire mailbox to try to find these emails.

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Leverage your work downtime and more.

#4. Get on the Right Track

Check out this spectacular tip, all about tracking website traffic the right way. Success Harbor notes that tracking the wrong data does you no good. It’s almost a subset of tip #10, above.

We loved that this article discusses Google Analytics (tip #8, above) – but it doesn’t stop there. The article adds several other helpful sites to track valuable metrics.

However – a caution – the article was originally posted in 2017. And at least one recommendation (Attention Meter) seems as if it is no more. So, take it with a grain of sale.

#3. Instagram Stick-to-itiveness

It’s not your imagination: this winning tip can help you increase Instagram engagement. Foundr tells us all about Instagram stickers.

Oh, we so loved these! What amazing ideas these are.

Seriously, collect the whole set. They’re that awesome.

Engaged? We Barely Know Each Other. Still, That’s an Awfully Nice Ring You’re Offering

Oh, wait, engagement on Instagram doesn’t involve getting down on one knee. Ah, well.

Rather, engagement on Instagram (or any social platform, for that matter), is all about who comments, who likes, who swipes, etc.

Consider how engaged your followers would be if they could buy your products and services directly in the ‘Gram. Or how you could do a bit of informal customer research with a quick one-question poll. Another idea is to ask a simple question. You might get unexpected answers, and they could give you more ideas of how to better serve your customers.

Read this whole article. It is exceptionally helpful.

#2. Soar Past Seasons Greetings

Our second to last unbeatable tip can give you a new perspective on creating holiday emails in your business. Sleek Note reveals all about it.

Yes, the holidays are coming. And faster than you may think.

As of the posting of this blog, it’s 10 days to Columbus Day, and it’s just under 8 weeks to Thanksgiving and 11 and a half days to Xmas. So, if you’re going to send out holiday emails, you’d better get cracking.

The examples are all related to gift products, and they tend to be great examples of concepts we’ve gone over before. For example, separating gift givers by price or recipient, the email effectively divvies up your customers. This gives them far better user experiences. Plus, you don’t waste their time. If I’m shopping for my hairdresser, I’m probably not getting her a new car (sorry, Katie).

By the way, their best tip was the last one.

Sensitivity Rocks

No, it’s not salesy. And that’s 100% okay.

We loved the idea of giving people a heads up in case they want to opt out of some emails. The example was a stellar one – allowing an opt out of Mother’s and Father’s Day emails. Consider the people this helps. It’s not just people who are childless by choice. It’s especially helpful and kind to those who aren’t childless by choice.

In this and in all areas, kindness goes a long way.

#1. Round Up and Brand Your Social Media

We saved the best for last. For our favorite remarkable tip, we focused on social media branding. Women on Business says there are a few simple ways to stand out on social media.

We really loved the first tip.

Stop Being All Things to All People

What does that mean? It means, your business isn’t suited to every single social platform out there. So, stop trying to fit your square peg business for seniors into a Snapchat round hole. And quit trying to force your business for tweens onto LinkedIn.

Neither will work very well. They’re just a waste of time. And time is the one thing you never have enough of.

So, which one of our brilliant business tips was your favorite? And which one will you be implementing now? Thank you for reading during your work downtime!

If you are as passionate about succeeding in business as we are, please help us spread the word about how to take the plunge and save time and money – and your sanity! Leverage your work downtime and more.

The post Leverage Your Work Downtime and More –10 Brilliant Business Tips of the Week appeared first on Credit Suite.

Ep. #470: John Brennan, Kara Swisher

Bill’s guests are John Brennan, Kara Swisher, David Corn, Saru Jayaraman, Rick Wilson. (Originally aired 08/24/18)

The post Ep. #470: John Brennan, Kara Swisher appeared first on Buy It At A Bargain – Deals And Reviews.

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