Article URL: https://www.algolia.com/careers/senior-software-engineer-distributed-systems-paris/
Comments URL: https://news.ycombinator.com/item?id=26669523
Points: 1
# Comments: 0
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SEEKING WORK | GMT-3 (Brazil) | Remote
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Rates are $39/hr, being in Brazil and sharing our profits with our devs, we can afford to be very competitive on pricing, especially considering our expertise & portfolio.
Reach out @ hi@nextly.team to see some of our previous work or to chat.
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Location: Barcelona, SpainRemote: 100% Willing to relocate: No Technologies: ReactJS, React Native, Ruby On Rails. Résumé/CV: https://alamedadev.com Email: hola@alamedadev.com The post New comment by uokesita in “Ask HN: Who wants to be hired? (November 2020)” appeared first on ROI Credit Builders.
Qualia | Sr. Security Engineer, Sr. Infrastructure Engineer, Sr. Full-Stack Software Engineers | San Francisco, CA or 100% remote in PST/MST time zones | Full-time, Salary + Options Qualia (qualia.com) is a startup making web applications for real estate professionals. We have raised over 95M in total funding, have not stopped hiring throughout COVID and …
The post New comment by Dsuniga14 in “Ask HN: Who is hiring? (August 2020)” first appeared on Online Web Store Site.
Article URL: Https://wefunder.com/jobs Comments URL: https://news.ycombinator.com/item?id=22440718 Points: 1 # Comments: 0
An Easy Wealth Exercise Invite to this basic, enjoyable as well as simple workout to enhance your wide range awareness, concentrate your mind and also support on your own to ensure that you can accomplish wide range genuine, as well as quickly.The adhering to workout is simply among 365 various everyday “riches fitness center” mini-workouts … Continue reading An Easy Wealth Exercise
If you need a small business loan, you shouldn’t settle for just any loan. You want the best. You’re in luck, because we not only have a list of the best small business loans of the year, but we also have in depth reviews and practical tips to help you find not just the best, but the best for your specific business. Let’s take a closer look.
I know, you are wondering how there can be more than one best. The best is the best, and there is only one best when it comes to most things. Business loans don’t work exactly the same way. The best loan for your business may be different than the best loan for the next business. That’s because your business will likely have different needs and qualifications than the next one.
US News handles this by naming the best small business loans in different categories. This year, these took the prize:
In addition to this list from US News, we would like to add our own bonus category of “Best Lender for Faster, Easier SBA Loans.” That award, in our opinion, would go to SmartBiz. They have totally streamlined the Small Business Administration loan program application process making it both faster and easier.
Well that’s all great of course, but to make a true informed decision, you need details. What makes these the best?
Learn business loan secrets with our free, sure-fire guide.
OnDeck offers lines of credit and term loans with fixed interest rates. You can’t get up to $500,000 with a term loan. They also have an A rating with the Better Business Bureau. The minimum FICO they require is 600. In addition, you must have $100,000 minimum annual revenue and be in business for at least one year. Find out more about OnDeck in our review.
BlueVine offers a number of financing options including term loans, invoice financing, equipment financing, lines of credit, and merchant cash advances. They require you to be in business for at least 6 months. If you need a term loan or a line of credit, then they require a minimum annual revenue of $100,000. If you are trying to get invoice factoring, the minimum credit score is just 530! For a line of credit or term loan, you will need a minimum credit score of 600. They have an A+ rating with the BBB. Find out more about BlueVine in this review.
If you’re looking for a low APR, then Funding Circle is your go-to. They have fixed rate term loans and require a credit score of 620 or above. There is no minimum revenue requirement, but they do require you to be in business for at least 2 years. They have an A+ BBB rating. Find out more in our Funding Circle review.
This is considered by US News to be the best lender with prequalification available. They offer invoice financing, term loans, and lines of credit. The number of years in business requirement is one. They require less minimum annual revenue than the others at only $25,000. The minimum credit score is 600, and they also have an A+ rating with the Better Business Bureau. You guessed it. You can find out more about StreetShares in our review, here.
SBA loans typically take a lot of time and paperwork. SmartBiz found a way to speed things up, making it easier than ever. The requirements are a little more strict however. Your credit score has to be 650, and you have to be in business for 2 years or more. In addition, annual revenue has to be $50,000 at least, and there can be no outstanding liens, bankruptcies, or foreclosures in the past 3 years.
What is fundable? A business that appears fundable to a lender is an established business separate from its owner. It is complete, organized, and either has solid revenue or a solid plan if a startup.
Lenders are also going to want to see a professional business plan. Even if you are not a startup a plan is necessary. Startups have to show what they are planning and that they have done the research to make it work. Established businesses need to show how they plan to use the funds, and that they have research to show the market supports that plan.
At a minimum, a business plan should have the following sections.
It is almost impossible to over prepare when applying for a loan. Anticipate any questions they may ask. Pull together any forms or documentation they might ask for. Items such as past tax returns, financials, and licenses are common. The more you have ready to go before you start, the faster and easier the process will be.
Learn business loan secrets with our free, sure-fire guide.
You need a solid personal credit score to land the best small business loans. There is just no way around it. As you can see above, a score of at least 600 is required almost across the board with the exception of some invoice factoring options. If you do not have this score however, all is not lost.
It is possible to improve your personal credit score. The first step is to get a copy of your credit report. You can get a free copy each year. Look for what may be impacting your score negatively. If there are mistakes, contact the credit agency in writing to have them removed. If late payments are a problem, start paying on time. Knowing what you need to work on is the first step.
Of course, when it comes to the best small business loans, you cannot ignore business credit. While it isn’t listed as a primary requirement for most lenders, it can only help you to have strong business credit.
If a lender sees a personal score that isn’t exactly what they need, it is possible they will take business credit into consideration when making their decision. In addition, if you qualify and have stellar business credit, you may be able to get a lower interest rate.
Since business credit is the one topic out of these 5 that people seem to question the most often, let’s talk about why it’s important. There are a number of reasons. The first one is, if you have business credit, your business transactions will not affect your personal credit report.
You may be thinking that it doesn’t matter, because you pay all your bills anyway. You would be wrong however. It absolutely matters. Here’s the thing. Personal credit cards often have lower limits than business credit cards. Conversely, business expenses are typically much higher than personal expenses. This means, if you are using personal cards for business expenses, you are likely to keep balances at or near your limits.
Consistent balances near your limits has a negative impact on your credit score even if you are making regular payments. If you have business credit cards, your limits will be higher and better able to accommodate the high expense of running a business.
The steps to looking fundable are also the first steps toward business credit. Your business has to be separate from yourself before business credit can be established. In addition, you will need a D-U-N-S number.
This is a number from Dun & Bradstreet that they use to enter you into their system and issue a business credit score. If you do not have a D-U-N-S number you will not have a credit file with them. Since they are the largest and most commonly used business credit reporting agency, you need to have a business credit profile with them. Get a D-U-N-S number for free on their website.
If you do not yet have business credit, you will need to open accounts in the vendor credit tier after you finish these steps. We all know that it is almost impossible to get credit if you do not already have credit. However, the vendor credit tier consists of vendors that will offer net 30 terms without a credit check, and then report your payments to the credit reporting agencies. After you have enough of these types of accounts reporting, you will have a credit score and be able to apply for accounts from different types of companies to grow it even more. Find out more about the vendor credit tier and building credit here.
Both credit scores are so vital to being able to get the best business loans, it is important to talk about monitoring them. With personal credit scores, this is easy. You can get a free copy of your personal credit report every year. In addition, there are numerous websites that allow you to monitor your credit on a monthly basis for free.
Business credit monitoring isn’t as easy, and it definitely isn’t free. The credit agencies charge from $50 to over $100 for just one report. You can monitor your business credit at a fraction of the price at https://www.creditsuite.com/monitoring.
These business loans are from non-traditional lenders. This is because non-traditional lenders are generally more friendly toward small businesses than the traditional banks. Do not neglect to check into what your local traditional lenders may have available however. If your personal credit score is above 650, they may very well offer even better rates and terms than those listed above.
While big banks are not typically friendly toward small businesses, local community banks can be favorable if your credit is strong. Credit Unions are another option if you have a good credit score and are a member. Do your research before making a final decision.
Learn business loan secrets with our free, sure-fire guide.
How do you land the best small business loans of the year? In short, you prepare. Do a fast check to ensure your business will appear fundable to lenders. Do some research to determine which loan options best fit your needs and qualification abilities. Don’t forget to see what traditional lenders have to offer as well. Get all the necessary paperwork, including your business plan, together before you begin the process. Then, take note of both your personal and business credit scores and determine if you need to make some adjustments to improve them. With these items checked off your list, the best small business loans really can be yours.
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Declaring Bankruptcy– The Process
Under the brand-new Bankruptcy Code, individuals thinking about personal bankruptcy requires to send even more papers to certify for the treatment. After entry of an application for insolvency, comprehensive sustaining types as well as records should be all set at hand within 45days of sending the application, if not, after that the borrower’s instance would certainly be immediately rejected as well as he would certainly have to re-file for the insolvency consisting of re-paying the lawyer’s costs.
An additional prep work in declaring insolvency is the borrower’s certification of finishing an unique debt training course as well as pre-bankruptcy instruction, carried out by an agency-provider that is licensed by the United States trustee or personal bankruptcy area manager.
After the initials of declaring insolvency, the borrower comes to be safeguarded from financial institutions’ activities (‘ quit’ suits, wage understanding, or settlement needs) with a lawfully enforced ‘remain’– one of the most looked for after advantages for submitting personal bankruptcy. The 30-day ‘remain’- restriction is enforced especially for those insolvency filers that had actually currently been when released from a previous personal bankruptcy instance.
Below are various other essential notes on declaring insolvency:
As soon as a financial debt is ‘released’ after that the borrower is launched from the responsibility of spending for it. The lenders are restricted to accumulate any kind of repayment for released financial debts (other than those secured/lien-protected financial debts), or to make any kind of type of individual call with the borrower.
Not all financial debts are released and also are for that reason still based on borrower’s repayment. These financial debts are not dischargeable as a result of public law factors (based upon the financial obligation’s nature similar to tax obligation or worker’s wage, or the truth that the financial debts were from the borrower’s incorrect actions similar to damages to building).
The court typically provides the discharge from financial obligations as quickly as achievable for the borrower– 4mos.-4yrs. The insolvency court sends by mail a duplicate of the order of discharge to all lenders, the United States trustee, the situation trustee, the trustee’s lawyer, and also of program to the borrower as well as his lawyer.
Since he really did not pay the released financial debt, a lender that is likewise the borrower’s company might not finish the borrower’s work exclusively.
Under the brand-new Bankruptcy Code, individuals thinking about personal bankruptcy requires to send even more records to certify for the treatment. After entry of a request for personal bankruptcy, comprehensive sustaining kinds and also papers should be all set at hand within 45days of sending the request, if not, after that the borrower’s instance would certainly be instantly rejected as well as he would certainly have to re-file for the personal bankruptcy consisting of re-paying the lawyer’s charges. After the initials of declaring insolvency, the borrower comes to be secured from lenders’ activities (‘ quit’ suits, wage understanding, or repayment needs) with a legitimately enforced ‘remain’– one of the most looked for after advantages for submitting personal bankruptcy. The 30-day ‘remain’- limitation is enforced specifically for those personal bankruptcy filers that had actually currently been as soon as released from a previous personal bankruptcy situation.
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Leave Debt – Ways To Solve Debt Problems
If sinking in financial debt, luckily, there are very easy remedies to ending up being financial obligation totally free in a couple of years. Millions of individuals are living with thousands of bucks of credit rating card financial debt.
Develop a Realistic Debt Elimination Plan
If you have as well much financial debt, even more than most likely it built up over years. There are methods to get rid of financial obligation over night such as financial obligation negotiation, personal bankruptcy, and so on.
If you have $3000 well worth of credit scores card financial debt, identify just how much added you can manage to pay on the cards each month. With a little sacrifice, it might be feasible to minimize and also inevitably get rid of the financial obligation.
Financial Obligation Consolidation Loan
An additional strategy for removing financial obligation entails using for a financial obligation loan consolidation funding. Financial obligation combinations do not remove the financial debt, they will certainly remove debt card financial debt.
Despite the fact that a financial debt loan consolidation lending just moves financial debt, as soon as your charge card are paid completely, you will likely discover a rise in your credit report. In choosing for a financial obligation loan consolidation, stay clear of making the very same error two times. Gathering brand-new financial obligation beats the function of a loan consolidation.
Various other financial debt combination alternatives include getting a house equity funding, refinancing, charge card equilibrium transfer, or making use of a financial debt combination firm. You will certainly not acquire a swelling amount of loan if making use of a financial debt monitoring company. Instead, the company will certainly handle your financial debts and also encourage financial institutions to reduce the rates of interest.
If sinking in financial obligation, thankfully, there are very easy remedies to ending up being financial obligation totally free in a couple of years. An additional technique for getting rid of financial obligation includes using for a financial obligation combination lending. Financial debt loan consolidations do not eliminate the financial debt, they will certainly remove debt card financial debt. Also though a financial obligation loan consolidation finance just relocates about financial debt, as soon as your debt cards are paid in complete, you will likely observe a rise in your credit scores rating. Various other financial obligation loan consolidation alternatives entail getting a residence equity finance, refinancing, credit report card equilibrium transfer, or making use of a financial obligation combination company.
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