Water fountains – The Ultimate Garden Experience

Water fountains – The Ultimate Garden Experience Water fountains are one of the most attractive and also calming components discovered in yard layout. Any type of time you assume of a first-rate yard that you have actually seen and also been excited by, it practically definitely will consist of some kind of water fountain or … Continue reading Water fountains – The Ultimate Garden Experience

New comment by nicknack2020 in "Ask HN: Who is hiring? (August 2020)"

DataFleets
About us: Federated Learning and privacy-preserving machine learning for the enterprise. Founded at Stanford in 2018.

We have several open roles
REMOTE with preference for SF Bay Area, NYC, London, Austin.

Details here https://www.datafleets.com/team and here https://angel.co/company/datafleets

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Contrasting The Best Child Trust Fund (CTF).

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Contrasting The Best Child Trust Fund (CTF).

The Government introduced previously this month that the variety of youngsters with a Child Trust Fund has actually gotten to over 3 million. The Economic Secretary to the Treasury, Kitty Ussher, additionally highlighted that just three-quarters of moms and dads have actually proactively opened their Child Trust Fund accounts.

This indicates that for the fifty-thousand as well as seven-hundred youngsters whose moms and dads did closed the Child Trust Fund themselves, the chance to get one year’s well worth of rate of interest is shed. The built up loss of rate of interest for all those Funds that have actually not been opened up quantities to an approximated ₤ 15 million!

The Child Trust Fund is a long-lasting cost savings as well as financial investment strategy established up by the Government to urge moms and dads to conserve for their youngsters’s future. Youngsters will certainly obtain a preliminary ₤ 250 in coupons to open their Child Trust Fund accounts, with a more ₤ 250 when they get to 7 years of age.

Opening up a Child Trust Fund is fairly simple, selecting one can be extra challenging. With 3 kinds of accounts (cash money, stakeholder or shares) offered from many financial institutions and also developing cultures each with their very own deals, problems and also terms and also prices, locating the appropriate Child Trust Fund for their kids leaves several moms and dads perplexed.

Presently, there are numerous sites that contrast just Cash Child Trust Funds, however just MyEggNest.com blazes a trail by supplying a contrast table of all 3 kinds of Child Trust Funds: Cash, Stakeholders as well as Equity (or Shares) Child Trust Funds.

MyEggNest.com has an all-encompassing, understandable contrasts of all Child Trust Funds gives moms and dads the devices they require to make enlightened choices concerning the very best means to contrast Child Trust Funds offered or to see just how their kids’s existing Child Trust Fund contrasts to others on the marketplace.

Joe Luong, Marketing Director for MyEggNest.com claimed, “Our comments has actually revealed that lots of moms and dads are bewildered by the wide range of brochures and also fliers from monetary bodies readily available concerning Child Trust Funds. Some also think it is way too much that they do not also recognize where to begin.”.

” What moms and dads of babies require is succinct and also clear info described in easy English on just how ideal to contrast their youngsters’s Child Trust Fund. With MyEggNest.com, brand-new moms and dads have the ability to research study whatever they wish to know concerning the Child Trust Fund from one dependable resource. On one website, they can look for advice from various other moms and dads in the type of a Child Trust Fund conversation online forum, consider item testimonials as well as find out just how ideal to contrast Child Trust Funds.”.

To additionally alleviate a few of the various other anxieties as well as pressures for brand-new moms and dads, MyEggNest.com just recently presented a basic table of Child Trust Funds offered where moms and dads can just download and install and also click Child Trust Fund E-brochures of their option in a PDF style. Each pamphlet offers details certain to that specific Child Trust Fund. Accessibility to this info on this set website conserves moms and dads the trouble and also time of needing to discover every internet site for every item to explore even more.

The message from the Government is clear. Moms and dads that choose to spend their kids’s Child Trust Fund coupon as well as make passion on that financial investment will certainly be much better off than the 25% of moms and dads that pick not to do anything at all.

With 3 kinds of accounts (cash money, stakeholder or shares) readily available from various financial institutions and also constructing cultures each with their very own deals, problems as well as terms as well as prices, discovering the appropriate Child Trust Fund for their youngsters leaves lots of moms and dads perplexed.” What moms and dads of infants require is succinct as well as clear info clarified in basic English on just how finest to contrast their youngsters’s Child Trust Fund. On one website, they can look for support from various other moms and dads in the kind of a Child Trust Fund conversation online forum, look at item evaluations and also discover exactly how ideal to contrast Child Trust Funds.”.

To additionally ease some of the various other anxieties and also pressures for brand-new moms and dads, MyEggNest.com just recently presented an easy table of Child Trust Funds readily available where moms and dads can merely download and install as well as click Child Trust Fund E-brochures of their selection in a PDF layout. Moms and dads that determine to spend their kids’s Child Trust Fund coupon and also make passion on that financial investment will certainly be much better off than the 25% of moms and dads that select not to do anything at all.

The post Contrasting The Best Child Trust Fund (CTF). appeared first on ROI Credit Builders.

How to Get Business Credit Cards No Personal Guarantee

Business credit cards, no personal guarantee, are an actual thing.  Not aren’t for everyone though. We are going to tell you who can get them, and what to do if you can’t. 

Decoding the Secret of Business Credit Cards, No Personal Guarantee Needed 

It sounds like an ancient myth doesn’t it?  The idea that you can get business credit cards, no personal guarantee necessary?  The truth is, unlike the fountain of youth and the lost city of gold, these creatures do exist.  They are rare however, and it takes a seasoned business explorer to land one. What does it take to capture the rare beasts that are business credit cards no personal guarantee?  What kind of businesses are they meant for? How can you get one? We answer all of these questions and more. 

Why Are Business Credit Cards No Personal Guarantee So Rare?

The reason why these cards are so rare is that a lack of personal guarantee is risky to the lender.  Typically, a business needs to have $1 million to $4 million in revenue annually to qualify. In addition, there is a minimum annual charging requirement for most of these cards of $250,000 to $1 million.  Many also require there to be at least 15 cardholders. If you are a new, smaller business such as one just starting to grow out of your home, you will not qualify.

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

Even if you do meet these qualifications, there are not a ton of options for business credit cards no personal guarantee. One reason for this is that virtually all lenders consider the finances of the business and it’s owners to be tightly interwoven. They aren’t necessarily wrong either.  According to the SBA

  • 8% of start-ups use personal credit cards for financing, versus just 2% using business credit cards.
  • One-third of businesses fail within two years, and half don’t make it five years.
  • Personal savings are the top source of start-up capital, used by nearly 6 in 10 companies.

The issue then becomes one of trust and stability, creditworthiness if you will, between the card issuer and the business.  The credit card company just wants to get paid. If they can have a personal guarantee, they feel some level of security. How can a business accomplish the level of creditworthiness necessary to get business credit cards, no personal guarantee needed?

Develop a Relationship, or Use One You Already Have

If you are already with a bank that offers a credit card and you have handled your business with them well, you may be able to negotiate for business credit cards, no personal guarantee.  This could be true even if you do not meet the standard qualifications typical for this type of card.  

It’s not a given, but if your relationship is long and proves extreme creditworthiness with no overdrawn accounts or late payments, you have a chance. The bank just has to be able to see that they can trust you.

Wait Until You Meet the Revenue and Size Banks Want

Those businesses that meet the revenue and size requirements are not guaranteed to get business credit cards no personal guarantee, but they certainly have a better shot than those that do not.  Another thing that can help is having several years in business. If you beat the odds and stay in business 5 years or more, your chances are even better.  

The thing is, these cards are most often are from specific stores.  You can usually use them only at those stores. That means that even if you are able to get business credit cards no personal guarantee, your spending options may be severely limited. 

Regardless, these types of cards are few and far between.  However, they do exist. 

Here are a Few Business Credit Cards, No Personal Guarantee

We list a few of the ones that are out there, what they offer, and what they require for approval below. 

Brex Corporate Card

This card is a stand out.  It isn’t connected to a specific retailer so it is much more flexible than other business credit cards no personal guarantee.  In addition, you can earn rewards! Specifically, you can earn one point per dollar on purchases. You can also get credits and discounts on certain services . 

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

One condition is that you have to pay the balance in full each month.  It isn’t revolving credit in the traditional sense. You cannot carry a balance. 

Even though they do not require a personal guarantee, Brex knows exactly what it is looking for in a cardholder. They want innovative businesses that use modern technology. In addition, they want to see a healthy business specific bank account.  It is best if it maintains a balance of $100,000 or more.  

The Brex Corporate Card has no annual fee.  It also offers other reward levels based on the type of spending, in addition to the 1 point per dollar spent on regular purchases.  These include: 

  • 7x points on taxis and ridesharing services
  • 4x points on flights, AirBnbs, and hotels when you book with Brex
  • 2x points on software purchases that are recurring

There is an introductory offer of 30,000 bonus points and card fees waived for life after approval. Other perks include credit for ZenDesk and Amazon Web Services.  There are discounts on WeWork and Salesforce also.

In addition to a business bank account with $100,000 balance, they also want you to have an EIN.

Bremer Bank Visa Signature Business Company Card

The Bremer Bank Visa Signature Business Company Card is an actual business credit card, no personal guarantee necessary.  It also has high income requirements and still prefers to work with medium to large businesses.  If you are able to get one, you will enjoy no annual fee and a rewards program. 

To qualify, you must have at least $1,000,000 in annual revenue and $350,000 in net annual income for the previous two years. 

business credit card no PG Credit Suite

Shell Small Business Card

The Shell Small Business Card is only good at Shell gas stations, and it offers no rewards.  The best thing about it other than it being one of the few business credit cards, no personal guarantee required, is that it can be a nice tool for employees on the road a lot.  It offers options such as purchase limits and specific station limitations.  There is no annual fee, but cardholders have to be associated with a government entity, nonprofit, or earn at least $1 million annually for the past 3 years. 

Sam’s Club Business Mastercard

Surprisingly, the Sam’s Club Business Mastercard is one of the more flexible options for business credit cards no personal guarantee.  You are not limited to using it only at Sam’s Club. In fact, you can use it anywhere they accept Mastercard.  It also offers great rewards on gas, dining, and travel.  

There is no annual fee, but you do have to have a Sam’s Club membership.  Currently you get a $20 statement credit if you spend $50 or more at Sam’s Club the same day you open the card.  Rewards include 5% cash back on gas up to $6,000 in a year. After that, you get 1%. There is also a 3% cash back on dining and travel rewards, and 1% on all other purchases.  

To get this card, the business must make $5 million or more per year.  It also must be in business for at least 2 years and have more than 10 employees for there to be no personal guarantee requirement. 

Office Depot OfficeMax Business Credit Account

Similar to the Shell card mentioned above, the Office Depot OfficeMax Business Credit Account is not known for its flexibility.  It is only good at Office Depot stores, officedepot.com, and OfficeMax.  They do not offer rewards, but there is an introductory bonus. If you spend at least $150 in the first 60 days after opening the account you get a $50 statement credit. 

To qualify for this card, your business must be at least three years old with over $5 million in sales annually. 

A Personal Guarantee Does Not Mean a Hit on Your Personal Credit

It is important to remember that just because a credit card requires a personal guarantee, it doesn’t necessarily affect your personal credit.  While strong business credit may not get you out of a personal guarantee, it can help protect your personal credit report.

Many cards will only do a soft pull on your personal credit, and then they will report your payment activity to your business credit.  For this to happen however, you have to have established business credit. That doesn’t happen automatically.

What if You Do not Qualify for Business Credit Cards with No Personal Guarantee? 

The truth is, if you are a small business, it is very unlikely you are going to qualify for small business credit cards no personal guarantee.  This means that you are going to have some personal liability for your business debt. There are ways to protect yourself however, both when it comes to liability for business debts and personal credit. 

For example, if you formally incorporate as a corporation, S-corp, or LLC, you will significantly increase your liability protection.  As luck would have it, this is also something that you need to do to begin to establish business credit separate from your personal credit.  

Another thing you need to do to establish business credit is get and EIN and set up a dedicated business bank account.  Since most business credit cards like to see these things anyway, it’s a good idea to go ahead and get the ball rolling. 

Other Steps to Building Separate Business Credit

In addition to formally incorporating, getting and EIN, and having a separate business bank account, there are a few more things you need to do to separate your business from yourself and begin to build credit for your business separate from your personal credit. 

For example, your business needs contact information that is separate from your own. That means a business phone number and business address that are listed in the business directories.  You also need a dedicated business email address, and it needs to have the same URL as your website. It can’t be from a free service like Yahoo or Gmail. 

Speaking of a website, you definitely need one.  These days, if you do not have a website you basically do not exist.  However, it can’t be just thrown together. You need to have it professionally designed.  Also, pay for hosting. Free hosting services look unprofessional. 

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

Then, head over to the Dun & Bradstreet website and get yourself a D-U-N-S number.  You have to have a D-U-N-S number to have a credit file with Dun & Bradstreet. Since they are the largest and most commonly used business credit reporting agency, you definitely need this number. 

How Do You Get Accounts to Report to Your Business Credit?

Okay, so here is the secret that few know.  It can seem virtually impossible to get credit accounts that will report to the business credit reporting agencies because, you have to have credit to get credit.  However, if you set up your business correctly, like noted above, you can open tradelines with vendors in the vendor credit tier. These are starter vendors that will give you net terms on invoices without checking either credit report.  Then, they will report your payments. If you apply with your business information, like your business phone number, address, and EIN instead of SSN, then they will be reporting to your business credit report. 

When you get enough of these types of accounts reporting, you will be able to apply for cards in the retail credit tier.  These are cards for stores Best Buy and Office Depot. Then, after enough of those are reporting, you will be able to apply for cards in the fleet credit tier.  This includes cars like Fuelman and WEX. Finally, after you have enough accounts reporting positive payment history to your business credit report, you will have strong enough business credit to apply for card in the cash credit tier. 

This are high limit, lower interest, awesome rewards cards that are not limited to specific retailers or types of expenses.  While they may still require a personal guarantee, if you follow the steps outlined, they will not affect your personal credit. 

Business Credit Cards, No Personal Guarantee:  They Do Exist, but They are Few and Far Between

Business credit cards, no personal guarantee required, do exist. However, they are rare, and they are not easy to get.  Realistically, it isn’t feasible for a small business to make finding these cards a goal. A more productive goal is to work to build strong business credit and to run your business on the merits of its own credit report. 

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What You Should Know About Consumer Credit Reports

What You Should Know About Consumer Credit Reports

Customer credit scores records are commonly made use of by organisations to aid them determine whether to provide cash or offer various other kinds of advantages to a specific customer. Credit scores bureaus give credit score record details on customers to interested events, to allow them to evaluate an individual’s danger degrees or viability for a finance or various other objective. These customer credit history records reveal the standing of your credit report rating consisting of judgments, tax obligation liens, and also various other credit scores relevant info.

To buy a duplicate of your non-mortgage consumer debt record there are a variety of get in touch with information that you can make use of:

Equifax phone call: (800) 997-2493
Create: Equifax Information Service
P.O. Box 740241
Atlanta, GA 30374-0241

Experian (Formerly TRW) phone call: (888) 397-3742
Compose: Experian National Consumer Assistance
P.O. Box 2104
Allen, TX 75013-2104.

Trans Union phone call: (800) 888-4213
compose: Trans Union Corp. Customer Disclosure
P.O. Box 390
Springfield, 19064-0390.

You can likewise obtain a cost-free duplicate of your customer credit scores record if you have actually been transformed down for credit scores in the last 2 months. If you do have an issue with your customer credit score record you can fix it. If there is inaccurate info on your customer credit score record you must recognize the following:

1. You can typically have actually unreliable details gotten rid of from your credit score record at little or no charge by calling the relevent credit rating bureau.

2. Credit history repair service frauds that entail “data partition” or concealing negative credit rating are usually prohibited.

3. Credit history repair service business are called for to supply customers with total info concerning the solutions they will certainly supply. They need to not bill a cost till after solutions have actually been supplied.

If you are ever before asked to make up a credit score repair work solution prior to they have actually efficiently fixed your customer credit rating record, it is prohibited and also you ought to not pay them. Make sure to obtain a breakdown of what they will certainly do to assist you and also understand your legal rights.

Customer debt records are typically utilized by services to aid them choose whether to provide cash or supply various other kinds of advantages to a specific customer. Credit report bureaus give credit rating record info on customers to interested celebrations, to allow them to analyze an individual’s threat degrees or viability for a financing or various other objective. These customer credit score records reveal the standing of your credit scores rating consisting of judgments, tax obligation liens, as well as various other credit rating relevant info. You can likewise obtain a totally free duplicate of your customer credit rating record if you have actually been transformed down for credit history in the last 2 months. If there is inaccurate details on your customer debt record you need to understand the following:

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