Author: Flora Robinson

New comment by deimantasa in "Ask HN: Who wants to be hired? (March 2024)"

Location: Hong Kong/Vietnam (Asia)

Remote: Yes

Willing to relocate: No

Technologies: Flutter (Mobile), Typescript, GCP, Firebase, Figma (mostly UX part)

Resume – https://deimantas.dev

Email: aurimas [at] deimantas.dev

Solopreneur, 10+ years in Tech Land, most of it mobile. Several years of UX, Management exp. Very strong Product Management and Mobile UX skills in addition to development makes me a great MVP builder.
Worked in several countries before on-site. Last 5 years focusing on Remote work. Building mostly MVP/POC mobile apps for my clients (mostly USA) or starting my own later failing startups.

New comment by Retla3924 in "Ask HN: Who wants to be hired? (July 2023)"

Location: Colorado Springs, CO USA
Remote: Yes
Willing to Relocate: No
Technologies: Ruby, Rails, HTML, postgreSQL, graphQL, Python, C#, C++
Resume/CV: https://www.linkedin.com/in/isaacalter/
Email: isaacalter3924@gmail.com
————–
Hello, my name is Isaac Alter, I am a back end developer with a background in C# and C++. Currently, I have about a year’s experience with Ruby, Rails, HTML, postgreSQL, graphQL, and Python. I’m looking for that first foot in the door, so I’m more than willing for apprenticeships and paid internship positions. I am driven and a quick learner, able to successfully dedicate myself to learn a concept or technology to see development through. If any might know some opportunities or potential hires please feel free to reach out!

New comment by rafaelsvs in "Ask HN: Who wants to be hired? (June 2023)"

  Location: São Paulo, SP, Brazil
  Remote: Yes
  Willing to relocate: Yes
  Technologies: c#, javascript, react, typescript, node, ruby, azure, aws, docker, k8s, python, etc. +13 years of experience on develop high performance software for financial, insurance and credit industry
  Résumé/CV: https://drive.google.com/file/d/1OwZV00k9ygDkaCdsc5_fWUZqUTrPfRmg/view?usp=sharing
  Email: rafaelsvs@gmail.com

Be well: Floss your teeth daily for better heart health

Less plaque, fewer cavities and healthier gums may be the more obvious benefits of flossing your teeth — but did you know it could also lower your risk of heart disease?

“There are a lot of studies that have talked about — at least for periodontal disease — the connection between gum disease and heart health,” said Sasha Ross, DMD, a periodontist for Cleveland Clinic. 

Gum disease can cause high blood pressure and lead to inflammation and bacteria in the heart, research has shown, according to the Cleveland Clinic.

DENTISTS REVEAL WHY YOU SHOULDN’T BRUSH YOUR TEETH IN THE SHOWER

“There’s really a very strong association between the two, where patients who have periodontal disease are at a much greater risk for having heart disease, stroke or other issues like that,” Dr. Ross also told Fox News Digital.

Some 43% of adults 30 and older have some type of gum disease, according to statistics from the Centers for Disease Control and Prevention (CDC).

For adults 65 and older, that number rises to 70%.

Some people are more susceptible to complications even if they brush and floss every day, while others can do the bare minimum but have no issues at all, Dr. Ross pointed out. 

DENTISTS WARN OF DANGEROUS DIY DENTAL HACKS GOING VIRAL ON TIKTOK

Those who have heart valve disease are at a higher risk, according to Dr. Marietta Ambrose, assistant professor of clinical medicine at the University of Pennsylvania’s Perelman School of Medicine.

“The bacteria that live in your mouth when you have gum disease can cross into your bloodstream, enter the heart and directly infect the vulnerable heart valves,” she said in a 2022 article on Penn Medicine’s website. 

“That’s especially concerning in our patients who have artificial heart valves.”

People should brush their teeth at least twice a day and floss once a day, either before or after brushing, says the American Dental Association (ADA).

Some signs of flossing negligence include bleeding or swollen gums, plaque buildup, cavities, loose teeth, bad breath and gum recession, Dr. Ross said.

“I think a lot of people are never taught how to properly floss and what kind of floss to use, so at one of these visits we can work with you and show you how to do it,” she said. 

“Then just make it part of your daily routine. I say it’s really good to floss once a day, ideally at night before you go to bed.”

For those who are unsure about the proper way to floss, Dr. Ross recommends using a water pick or special brushes designed to clean between the teeth.

For best results, here are specific flossing instructions, as shared by Healthline.

Break off around 18 to 24 inches of floss. 

Wrap it around both middle fingers and hold the floss taut.

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Glide the floss up and down between each tooth. 

Avoid pulling the floss up into the gums, as this can cause bruising or injury.

As the floss reaches the gums, curve it slightly to allow it to clean the space between the gums and the tooth.

For each tooth, use a new, clean section of floss.

In addition to regular brushing and flossing, visit a dentist regularly and limit sugary foods and drinks to protect dental health, the ADA recommends.

To read more pieces in Fox News Digital’s “Be Well” series, click here.

New comment by jb3946170 in "Ask HN: Freelancer? Seeking freelancer? (July 2022)"

SEEKING WORK | Vancouver, BC | Remote

Apprentice or Internship. I primarily audit university courses and whatever stack you’re using I can learn from TypeScript to C++, and I’m careful to never ask the same question twice to avoid bothering engineers on Slack. Any role where I can slither my way in to eventually working on the code so open to user support, technical writing, QA/testing oracles, or bounty-style work for PRs solving open issues.

Skills:
Property-based testing
Technical writing
Functional programming
Conceptual design of new features
Basic SQL like CTEs/Aggregates/Window functions
Converting math/stats functions to programs
Metaprogramming like CI and dependency management
Tools like Git, wrangling textual data with the shell

Contact: jb3946170@gmail.com

How to Get Business Funding for Your Side Hustle and Make More Money!

Millions of people work a side hustle these days. There are tons of options. Companies like Uber, Lyft, DoorDash, Instacart and more have blown the market wide open and helped create a gig economy of temp workers. However, many still choose to work on their own to make money on the side.

The Hustle and Bustle of a Side Hustle

People choose to make money on the side in all kinds of ways. Some examples include:

  • House cleaning
  • Washing and detailing automobiles
  • Making jewelry
  • T-shirt making
  • Baking
  • And more

The thing is, running a hustle on the side isn’t free. Even though often the overhead is relatively low, there are going to be costs. Selling online requires fees. Shipping costs are an issue if you sell a physical product. Even services oriented hustles like cleaning will require supplies.

How Do You Fund a Side Hustle?

There are a number of options when it comes to funding for this type of work.

Check out how our reliable process will help your business get the best business credit cards.

Bootstrapping

In the beginning, bootstrapping is the obvious choice. Basically, this is when you do it yourself. By definition, a side hustle is something you do in addition to your regular job. So, it can make sense to invest an initial amount to get started from funds already available to you. Then, continue to use most of your proceeds to purchase more of what you need for the hustle. Hopefully, eventually you break even and then produce a profit.

If you want to expand with newer or better equipment, say a new embroidery machine, baking molds, or a new vinyl cutting machine, consider asking friends and family.  They can make great birthday or holiday gifts. You could also ask them to borrow the money,  or even sell them equity so they become angel investors if it grows into more than just something you do on the side.

Personal Credit

If you have good personal credit, you may be able to find good terms on a credit card to fund what you need short-term. Still, financing a business with personal credit means using a high percentage of your credit limits. This is called high credit utilization, and it can lower your personal credit scores.

What if You Decide to Turn Your Side Hustle Into More?

If you decide your hustle is strong enough to take on a life of its own, consider setting it up as a separate business. Even if you keep your day job, doing this opens up many more funding opportunities.

How to Set Up Your Side Hustle to Be Eligible for Business Accounts

Once you see your side hustle taking off, go ahead and name it. Your state may require for every business name to be unique, so check with the Secretary of State’s office. Get a business phone number and list it in the 411 directory. Then, get an EIN using the business name, phone number, and a physical business address where you can receive mail. You can do this for free at IRS.gov. Note: Do not use a P.O. Box or an UPS box as your business address. You can use a virtual address, but some lenders will not accept those.

You also need a separate, dedicated business bank account. Even if you aren’t bringing in a lot yet, this is still a good idea. You will need to report the income to the IRS, and this will help you keep track. Beyond that, if you want to apply for vendor accounts and other forms of business credit, this is often a requirement.

Also, if you want to be able to take credit card payments, you will need a merchant account. You cannot get a merchant account, without a business bank account.

These are just the first steps in setting up a side hustle to be eligible for business funding.

Check out how our reliable process will help your business get the best business credit cards.

Pay Attention to Details

As you do this, don’t neglect the details. Small inconsistencies can cause big problems. For example, if you use an ampersand in your business name when you get your EIN, be sure to use the ampersand and not the word “and” when you open your business bank account.

This type of seemingly small detail can cause big problems when you apply for business funding later on.

Funding With the Big Dogs

Taking these simple steps in the beginning will ensure you are ready to roll when the time comes to expand and grow your hustle. It takes funding to do that, and these steps will help you qualify for funding in the name of the business.

One of the easiest ways to start is to apply for business vendor credit. But first, use the business information you set up to apply for a D-U-N-S number from Dun & Bradstreet. You can apply and get one for free on their website.

Then, you can apply for credit from vendors in the name of your business. This will allow you to  buy items needed to fill orders before you get paid. Items like jewelry-making supplies or tools and materials for handyman work can be bought ahead of time using vendor credit. You won’t have to wait to take orders. It can also make it possible to pay for advertising materials, like ad designs and banners, or even print ads.

You can’t just start applying for business accounts with any vendor you want right away and expect approval, however.  If there are vendors that offer personal accounts and sell what you need, that is fine. However, it’s wise to work with some vendors that will extend net accounts in your business’s name, and report them to the business credit reporting agencies like Dun & Bradstreet, Experian, or Equifax.

Then you build business credit for your hustle.  Business credit opens up many more funding opportunities for the future.

Business Vendor Accounts

There are a few vendors that will do this even if your business credit score isn’t great, or is currently non-existent. They use other factors to determine creditworthiness. This includes whether your business is set up the way described above, as well as time in business, and more.

These are not revolving accounts. Rather, they are net accounts, meaning you will have to pay off the total balance at the end of the net term period. However, this can be a way to get the materials you need to run your business before your customer pays you. You can expand and grow your side hustle without depleting cash reserves, or even if you have no cash reserves.

Building Business Credit

The fun part about doing it this way, instead of just funding your business with your personal credit, is that you can build on those initial vendor credit accounts and eventually have even stronger business credit. All you need is 3 to 5 initial accounts reporting to be able to apply for more advanced accounts.

Check out how our reliable process will help your business get the best business credit cards.

Other Funding Options

After you are bringing in money regularly, and your income is somewhat predictable, you may also be able to finance your new business with purchase order financing or a merchant cash advance.

For both of these kinds of financing, you get slightly less than the full value of any outstanding invoices, but you get it a lot faster!

If you have a business account with PayPal or Square, you may qualify for a loan from them that does not take credit score into account.

Another great option when it comes to funding a side hustle as it grows is the Credit Line Hybrid.

Credit Line Hybrid

A credit line hybrid is a form of unsecured funding. Our credit line hybrid has an even better interest rate than a secured loan. You can get 0% business credit cards with stated income, and many of these report to business CRAs. That means you can build business credit at the same time. You get access to even more cash, and with no personal guarantee. You need a good credit score or a guarantor with good credit to get an approval. In this case, that is a FICO score of at least 680. There are no financials required.

The Sky’s The Limit

Your side hustle can be as large or as small as you want to make it. You can keep your day job, or you can grow it into a full time gig and be your own boss. Regardless, you’ll need funding to make it happen.

The post How to Get Business Funding for Your Side Hustle and Make More Money! appeared first on Credit Suite.

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