Author: Charles Parker

How to Create Your Personal Brand’s Visual Identity

Visual branding is the most effective way to create a powerful online presence. If you don’t believe me, check out this article on why visuals are important in marketing: When half of the human brain … The post How to Create Your Personal Brand’s Visual Identity appeared first on Paper.li blog. The post How to … Continue reading How to Create Your Personal Brand’s Visual Identity

New comment by tldrthelaw in "Ask HN: Freelancer? Seeking freelancer? (October 2021)"

Looking for interesting projects – tax, legal | Remote | Part time/contract/etc.

Tax (tax attorney) and technology consultant. Happy to lend a hand on any projects at the intersection of the two — from crypto to compliance, entity choice/formation, etc.

Experience with data privacy and technology transactions as well.

Email in bio etc.

New comment by r4yan2 in "Ask HN: Who wants to be hired? (August 2020)"

Location: Italy Remote: Yes Willing to relocate: No Technologies: Python, SQL, Javascript, C++, Linux, etc (on resume) Résumé/CV: https://dueacaso.it/about/cv_andrea.pdf Email: on resume

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The Good Enough Family

The Good Enough Family

The households of the not also remote past were related along 4 axes. These axes were not equally special. Some overlapped, every one of them improved each various other.

Individuals obtained wed for different factors:

1. Due to public opinion as well as social standards (the Social Dyad).

2. To create an extra synergetic or reliable financial system (the Economic Dyad).

3. In quest of psychosexual gratification (the Psychosexual Dyad).

4. To protect long-term friendship (the Companionship Dyad).

Hence, we can speak about the complying with 4 axes: Social-Economic, Emotional, Utilitarian (Rational), Private-Familial.

To show just how these axes were linked, allow us think about the Emotional one.

Up until extremely lately, individuals utilized to obtain wed since they really felt extremely highly concerning living alone, partially as a result of social stricture of reculsiveness.

In some nations, individuals still register for ideological backgrounds which advertise the household as a column of culture, the standard cell of the nationwide microorganism, a hothouse in which to reproduce kids for the military, and more. These cumulative ideological backgrounds require individual payments as well as sacrifices. They have a solid psychological measurement and also offer incentive to a host of habits patterns.

The psychological financial investment in today’s individualistic-capitalist ideological backgrounds is no smaller sized than it was in the other day’s patriotic ones. Real, technical advancements provided previous assuming inefficient as well as outdated however did not relieve Man’s crave advice as well as a worldview.

Still, as modern technology advanced, it came to be an increasing number of turbulent to the family members. Raised wheelchair, a decentralization of details resources, the transfers of the standard features of the household to personal and also social industry facilities, the enhanced occurrence of social communications, much safer sex with minimal or no repercussions – all cultivated the fragmentation of the conventional, extensive and also extended family.

Take into consideration the patterns that straight influenced ladies:.

The outcome was a significant (and also on going) re-distribution of wide range from males to ladies. Include to this the differences in life span in between the 2 sexes as well as the size of the transfer of financial sources ends up being noticeable.

Due to the fact that they live longer than males and also hence acquire them and also since they obtain a share of the marriage residential or commercial property when they separation them, females are coming to be richer. These “endowments” are generally greater than they had actually added to the pair in cash terms. Ladies still gain much less than guys.

2. A rise in financial possibilities. Social and also ethicalities transformed, innovation enables boosted movement, battles as well as financial turmoils brought about the compelled intro of females right into the work markets.

3. The outcome of females’s boosted financial authority is a much more egalitarian social as well as lawful system. Female’s legal rights are being legitimately along with informally protected in a transformative procedure, stressed by small lawful changes.

Females had actually greatly accomplished equal rights in financial and also instructional possibilities as well as are battling a gaining fight in various other domain names of life (the armed force, political depiction). It is unusual for a guy to grumble of sex-related harassment or to get spousal support or wardship of his youngsters or, in lots of nations, to be the recipient of social well-being repayments.

The development of socially-accepted (normative) solitary moms and dad as well as non-nuclear households aided females to form their lives as they see fit. Many solitary moms and dad households are headed by ladies.

Hence, progressively, the shaping of future generations comes to be the unique domain name of ladies. Also today, one third of all kids in industrialized nations expand in solitary moms and dad family members with no male number around to offer as a function design.

The resulting sex-related change impacted both sexes yet the major recipients were ladies whose sexuality was unexpectedly legitimized. No much longer under the cloud of undesirable maternity, ladies really felt complimentary to involve in sex with numerous companions.

In the face of this newly found flexibility and also the truths of altering sex-related conduct, the dual ethical basic fallen apart. The household, consequently, comes to be likewise a sex-related joint endeavor.

Transportation, urbanization, as well as interaction increased the number of experiences in between ladies as well as guys and also the chances for financial, sex-related, and also psychological communications. For the very first time in centuries, ladies were able to evaluate as well as contrast their male companions to others in every imaginable means.

10. Ladies familiarized their requirements, concerns, choices, desires and also, generally, of their appropriate feelings. They abandoned feelings and also believed patterns instilled in them by patriarchal cultures as well as societies as well as maintained with peer stress.

11. The duties and also typical features of the household were progressively deteriorated and also moved to various other social representatives. Also features such as psychological assistance, psychosexual communications, and also kid rearing are commonly delegated to outside “subcontractors”.

Cleared of these features as well as of inter-generational communications, the extended family was minimized to an inefficient covering, a center of fundamental interaction in between its staying participants, a run-down variation of its previous self.

The standard functions of ladies and also their claimed personality, tendencies, and also dispositions were no more helpful in this brand-new setting. This led females to look for a brand-new interpretation, to locate a brand-new specific niche. They were actually eliminated of their houses by its useful loss.

12. In parallel, modern-day medication boosted ladies’s life span, lengthened their youngster birthing years, boosted their wellness substantially, as well as maintained their elegance via a myriad contemporary methods. This offered females a brand-new lease on life.

In this brand-new globe, females are much less most likely to pass away at giving birth or to look decrepit at 30 years old. They have the ability to time their choice to bring a youngster to the globe, or to avoid doing so passively or proactively (by having an abortion).

Female’s expanding control over their body – which has actually been externalized, reviled as well as appreciated for centuries by males – is probably among one of the most striking attributes of the womanly change. It permits ladies to clear themselves of deeply ingrained manly worths, bias as well as sights worrying their figure and also their sexuality.

The lawful system and also various other social and also financial frameworks adjusted themselves to mirror numerous of the previously mentioned sea adjustments. Any kind of contrast in between the circumstance simply twenty years back and also today is most likely to disclose considerable distinctions.

This transformation is just a sector of a much bigger one.

In the past, the axes with which we opened our conversation were very closely and also apparently completely linked. The Economic, the Social and also the Emotional (the axis bought the conservation of social mores and also beliefs) developed one amalgam – as well as the Private, the Familial as well as the Utilitarian-Rational comprised one more.

Therefore, culture urged individuals to obtain wed due to the fact that it was psychologically devoted to a societal-economic ideological background which instilled the family members with sacredness, a historic objective and also magnificence.

Regardless of social sights of the family members, most of ladies and also males obtained wed out of a chilly economic estimation that related to the family members as an operating financial system, within which the specific efficiently negotiates. Creating family members was one of the most reliable means understood to create wide range, gather it and also move it throughout time and also room to future generations.

These typical convergences of axes were diametrically turned around in the last couple of years. The Social as well as Economic axes along with the Utilitarian (Rational) axis and also the Emotional axis are currently lined up with the Familial and also personal axes.

In other words, nowadays culture motivates individuals to obtain wed since it wants to optimize their financial result. The majority of individuals do not see it this method. They pertain to the family members as a risk-free psychological place.

The family members was one of these settings of expression. Truly, it offered as a plain financial device, empty of any kind of psychological participation as well as material.

Today, individuals are wanting to the household for psychological food (enchanting love, friendship) and also not as a tool to improve their financial and also social standing. Developing a family members is no more the means to take full advantage of energy.

These brand-new assumptions have actually undercuted the family members. Both ladies and also males look for psychological convenience as well as real friendships within it and also when they fall short to locate it, utilize their newly found self-sufficiency and also liberties as well as separation.

To sum up:.

Guy as well as females made use of to look to the family members for social as well as financial assistance. Whenever the household stopped working as a social as well as financial releasing pad – they shed passion in it as well as started looking for adulterous choices.

The duties have actually turned around. Culture currently has a tendency to check out the household in a utilitarian-rational light, as a reliable setting of company of social as well as financial task. As well as while in the past, its participants concerned the family members generally in a utilitarian-rational fashion (as a riches creating device) – currently they desire extra: psychological assistance and also friendship.

In the eyes of the person, households were changed from financial manufacturing devices to psychological giants. In the eyes of culture, family members were changed from components of spiritual and also psychological ideological background to utilitarian-rational manufacturing systems.

Ladies had actually constantly highlighted the psychological side of being in a pair and also of the household. Guy constantly highlighted the comfort and also the energy of the family members. What is taking place to the establishment of the household today is that the change is ending up being mainstream.

The appearance of socially-accepted (normative) solitary moms and dad and also non-nuclear family members aided ladies to form their lives as they see fit. The majority of solitary moms and dad family members are headed by females. Guy as well as ladies made use of to look to the household for social as well as financial assistance. Culture currently often tends to check out the family members in a utilitarian-rational light, as a reliable setting of company of social as well as financial task. Ladies had actually constantly highlighted the psychological side of being in a pair as well as of the household.

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Spend This Veteran’s Day Building Strong Business Credit and Finding Resources to Help You Build the Business of Your Dreams

As a veteran, your country owes you a debt of gratitude.  Unfortunately, it can be difficult to reacclimate to normal life after the trauma of service. Starting a business can be a great way to get back on your feet, and there are a ton of resources that can help.  These resources, coupled with opportunities opened by strong business credit, mean veterans have more support than ever before to help start and run their own businesses successfully.  F

Find Out Where to Look to Find Resources for Veteran Business Owners with or Without Strong Business Credit

Surprisingly, according the SBA findings released a couple of years ago, 2.52 million U.S. businesses are Veteran-owned.  That is 9.1%. To put it in perspective, almost 10% of the U.S. economy is made up of veteran owned businesses.  It seems, not only do veterans deserve our support for fighting for our country, but for helping to keep the economy running as well!

What frustrates you the most about funding your business? Check out how our free guide can help. 

In addition, the same report shows veteran-owned businesses, have 5.03 million people working for them.  What’s more, that’s an annual payroll of $195 billion. What does this mean? Surprisingly, it means that if veterans aren’t given a way to fund new business ventures, a significant section of the U.S. economy will be hurting.

Thankfully, there are loans, grants, and other resources available for veteran business owners.  Consequently, you have to know where to find them. Fortunately, we can help with that. While we can’t list them all, this should get you started.  

Business Loans for Veterans

First, the list of available business loans for veterans could go on forever.  We selected a few of the most popular to help you get your research started. 

Military Economic Injury Loans

This is an SBA loan that helps both veteran and current military reservists that own a business that suffered when they were called to active duty. As a result, if you own a small business that is having financial issues due to active military service on your part, you likely qualify.  The MREIDL, (Military Reservist Economic Injury Disaster Loan) Program will offer 4% interest loans to help the business stay afloat. 

Remember, it is available to business owners that are also veterans for only up to one year after release from active duty.  Terms are available for up to 30 years. Remember, there is a collateral requirement for loans over $50,000. Also, by law the SBA has to make a determination that the business will not recover without help from the government. 

Veterans Business Fund

strong business credit Credit Suite

Another great option, the Veterans Business Fund, is a newer resource for veterans.  Those are looking to fund a new business or an expansion, and those that want to purchase an existing business or franchise, may find help with this fund. 

It’s funded by donors, and seeks to provide veteran business loans with manageable terms. Per their website, these loans are for veterans, and are non-interest bearing to the extent permitted by law.

You cannot finance a business through VBF alone however.  The program offers loans only in conjunction with personal equity and the funding of an outside banking institution.

Streetshares

StreetShares is veteran owned and run.  They have a passion for funding veteran business loans, though they help those who are not veterans as well. Operating as an online auction marketplace, they connect entrepreneurs directly to investors with an interest in small businesses.

They also provide other information and resources for veterans online. They claim to offer funding approvals in just a few hours. Find out more about StreetShares in this review. 

7-Eleven Veterans Franchising

Along with several other companies, including UPS, 7-Eleven is offering benefits to veteran franchisees.  Eligible business owners can receive up to 20% off the franchise fee.  In addition, they may receive up to 65% financing through 7-Eleven, along with other special benefits. 

What frustrates you the most about funding your business? Check out how our free guide can help. 

SBA Express Loan Program

In the past, the SBA’s Patriot Express Loan program was top notch for veterans.  Unfortunately, that program has ended.  However, veterans can still apply for the regular Express Loan program. SBA Express loans are available up to $350,000, and decisions are made in up to 35 hours.  This is a far cry from the 5 to 10 days SBA loans regularly take for decisions.   

One benefit for veterans is that loans through this program, for those who have served, will have their guarantee fees waived. This is part of the SBA VA Program.  

Hivers and Strivers

This is an angel group that specializes in startups run by U.S. military academy graduates. West Point, Annapolis, the Air Force, and the Coast Guard are all involved. Find out more here. 

Other Options for Veterans with Strong Business Credit and Personal Credit

Although the following lenders do not focus specifically on veterans, they offer small business loans that can supplement what is obtained from veteran resources. 

LendingClub

LendingClub works by giving investors a fixed income alternative by investing in personal loans, while offering borrowers loans with investors’ funds.

It’s a simple process. Just enter how much you want to borrower.  Next, choose the type of loan you are looking for. Then, enter some very basic information. You’ll get two different offers at least. One will have a lower payment but a higher interest rate. The other will be vice versa.

Loans range in amounts from $1,000 to $40,000 with an origination fee of 1% to 6%. This fee comes off the top before funds go into the borrower’s account. That means if you have a $1,000 loan with a 1% origination fee, you will only receive $990 in your account. You still have to pay back the full loan amount of $1,000 of course.

Interest rates range from 6.16% to 35.89%. Repayment terms are typically monthly, spanning over 3 to 5 years. After approval, it can take up to a week to receive loan funds.

The minimum credit score for a loan is 600. In addition, you must have a credit history that goes back at least 3 years.  If you do not have the personal credit needed, they may take strong business credit into consideration.

Fundation

The great thing about Fundation is that they will report payments to the business credit reporting agencies.  In return, this helps you build strong business credit. They offer a streamlined, automated process. Originally, they only had invoice financing.  However, now they offer a line of credit service as well. Repayments are automatic, meaning they draft them electronically.  This happens on a weekly basis. One thing to remember is that you could have a repayment as high as 5 to 7% of the amount you have drawn currently, since the repayment period is comparatively short.  

Loans range from $100 to $100,000.  The max initial draw is $50,000 however.   They do have some products that go up to $500,000.  There is no minimum credit score requirement, but they do require at least 3 months in business, $50,000 or more in annual revenue, and a business checking account with a minimum balance of $500.

As I said, they report to Dun & Bradstreet, Equifax SBFE, PayNet, and Experian, which makes them a great option if you want to build strong business credit.

Funding Circle

Funding circle is one of your best options if you are looking for a low APR.  They offer fixed rate term loans. The credit score requirement is 620 or above.  Still, they make take a strong business credit score into consideration if you do not quite meet that.  They do not have a minimum revenue requirement, but they do require at least 2 years in business. Find out more in our Funding Circle review. 

Veteran Funding Options that Do Not Require Strong Business Credit

In addition to loans, there are many grant opportunities for veteran business owners.  They are not all right for every veteran, but if you are eligible, they can be great supplemental funding. 

VetFran Business Grant Fund

This is a grant opportunity for those that have been awarded a franchise through the IFA VetFran program.  Go here to find out more. 

USDA Veteran and Minority Farmer Grant

This is a grant that helps veterans get started in the farming industry. 

StreetShares Commanders Call Veteran Business Award

The StreetShares Foundation offers this award to 3 veteran business owners each year. 

There are three prizes as follows: 

  • 1st Place: $15,000
  • 2nd Place: $6,000
  • 3rd Place: $4,000

To apply, a business must meet the following requirements:

  • The applicant has to be a veteran or reserve or active duty member of a branch of the United States Armed Forces, or a spouse of an armed forces member. 
  • They must be at least 21 years old.
  • The business must be legally incorporated or a formal partnership or sole proprietorship.
  • There must be some sort of social impact on the veteran or military community either in conjunction with or in addition to the primary business function.

In the end, the foundation will choose 5 to 10 finalists.  They base their decision on the social impact of the business idea.  Additionally, they consider how the business will use award funds, and the social impact of that use.  The fit of the product market, the history of the team, and the history of the company also play into the decision. 

Lastly, once the finalists are set, they post a list on the website and the public votes on which businesses will receive prizes!

Resources that Provide Services Other than Funding Veteran Business Owners

Thankfully, there are many resources available to veteran business owners that provide support not related to business funding. 

Dept of Veterans Affairs

This is the government department set up to help ensure veteran business owners get their fair share of the pie.  That includes government contracts. Find out more at: https://www.va.gov/osdbu/programs/index.asp

Veterans Business Services

Veterans Business Services, or VBS, offers the following: 

  • Self-employment pre -feasibility assessment opinion letters
  • VA vocational rehab
  • Business plan development and coaching for service-disabled veterans
  • Feasibility studies for small business concepts

VBS offers all of this and more.  Go here for more about these and other ways they can help service-disabled veterans. 

VetBiz

The VetBiz program helps veterans “transition military skills into small business success” per their website.  Similar to other programs, they offer training, coaching, and consulting. Also, they partner with the Small Business Administration for the Boots to Business program.  More information can be found here.

Syracuse University’s Institute for Veterans and Military Families

Honestly, there are many programs at Syracuse University for veterans and their families.  Read about all of them here. However, one of the newest programs is an outstanding opportunity for veterans that want to start their own business.  It’s called EBV Accelerate, and it consists of 3-phases. 

What frustrates you the most about funding your business? Check out how our free guide can help. 

Self-stated, the goal of the program is to give veterans business tools and coaching to rocket their business to sustainable growth. To qualify, you must be a veteran business owner that has been in business for 3 years or more.  Of course, the veteran must have at least 50% ownership. 

In addition, there must be active duty with honorable discharge or general discharge under honorable conditions. Also, 5 people have to be full time employees.  It’s short, lasting a little over two weeks. The first phase, Phase 1, is 2 weeks of online work. Next, Phase 2, is a 3-day residency course. Phase 3 consists of resources to support business growth.

More Resources for Veteran Business Owners

For more help, here are a few more resources that can help veteran business owners in a number of ways.

How Can Strong Business Credit Help?  

Truthfully, strong business credit can help any business owner, including veterans, get the funding they need.  Consequently, if you don’t have business credit, now is the time to start building it. In reality, even though it is easiest to start at the beginning, you can start at any time.  Find out more about how to start and build strong business credit here.

Strong Business Credit Can Help You Access More Resources for Veterans

There are resources available to help veteran business owners, but you have to know where to look.  Most of them will not work singularly, but rather they will work together to help ensure the business has the funding and other support necessary to be successful. 

The post Spend This Veteran’s Day Building Strong Business Credit and Finding Resources to Help You Build the Business of Your Dreams appeared first on Credit Suite.

End Up Being a Financial Planner

Come To Be a Financial Planner

To come to be an economic organizer, you initially have to understand what their task account is. Financial coordinators assist in identifying the economic sources needed to fulfill the firm’s operating program. It’s the work of monetary coordinators to evaluate the economic outcomes of procedures, report the realities to the leading monitoring and also make referrals on future procedures of the company.

To do all these features effectively, monetary coordinators initially require to develop the economic goals of the venture. The following action monetary coordinators have to do is to develop treatments. In economic treatments, the economic execs choose regarding the control system, create criteria of efficiency as well as assess the efficiency.

While doing these tasks, economic organizers have to take right into viewpoint the price of financing as well as nature of organisation. In any kind of analysis of the monetary demands of the company, the expense of financing is the fundamental requirement. Since only tasks with web favorable cash money circulation can be chosen, this is so.

Financial coordinators assist in establishing the economic sources needed to satisfy the business’s operating program. It’s the work of monetary coordinators to assess the economic outcomes of procedures, report the realities to the leading monitoring as well as make suggestions on future procedures of the company.

To do all these features successfully, economic organizers initially require to develop the monetary goals of the venture. In economic treatments, the monetary execs determine regarding the control system, establish requirements of efficiency as well as review the efficiency.

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Customer Debt Consolidation Programs: Tips for Choosing the Right Program

Customer Debt Consolidation Programs: Tips for Choosing the Right Program With every one of the expenditures that we have in our lives today, it should not come as a shock that many individuals obtain deep right into financial debt as well as take into consideration registering in a customer financial obligation and also car loan …