Article URL: https://substack.com/jobs?utm_source=hn&utm_content=eng
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Location: Kenya, Africa
Remote: Yes
Willing to relocate: Yes
Technologies: HTML/CSS, Python, JavaScript, React JS, Express JS, Flask, MongoDB, BeatifulSoup, Selenium, Scikit Learn
Portfolio: https://jaden-lesuk.github.io/
Resume:https://drive.google.com/file/d/1IfJPgBwT3LPQZfxzUx71sKFsZtX…
Email: jaden.lesuk {at} gmail.com
Article URL: https://www.workatastartup.com/jobs/42391
Comments URL: https://news.ycombinator.com/item?id=26314373
Points: 1
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As the COVID-19 situation worsened, we took a look at a number of gas cards for small business and did the research for you. US recession or no US recession, you’ve got to fill your tank! So, here are our preferences.
Per the SBA, business credit card limits are a whopping 10 – 100 times that of personal credit cards! This demonstrates you can get a lot more money with small business credit.
Small business credit is independent of the economy. Coronavirus or not, these credit cards are out there – but be aware that, as the situation drags on, some of the requirements could change. Always be sure to check the links directly to be sure to get 100% up to date information straight from the source.
And you will not need collateral, cash flow, or financials in order to get business credit.
Benefits can vary. So, make sure to select the benefit you like from this choice of options.
Our Business Credit Builder is full of amazing business credit cards and that includes gas cards!
So, check out this card from 76. It reports to Dun & Bradstreet, Experian, and Equifax.
To Qualify:
To Apply: Online or over the phone
Terms: Net 22
Get it here: 76fleet.com
Check out this great card from Marathon. It reports to Dun & Bradstreet, Experian, and Equifax.
To Qualify:
To Apply: Online
Terms: Net 22
Get it here: marathonbrand.com
And check out the Wex Fleet Card. It reports to Dun & Bradstreet, Experian, and Equifax.
To Qualify:
To Apply: Online or over the phone
Get it here: onlineservices.secure.force.com/creditapplication/WexBOCA?pgm=WEXFleetUniversal&cc=BCOMPARE&lc=bcompare
Terms: Net 22 but can be extended to Net 30
Check out the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the initial year. After that, this card costs $95 per year. There is no introductory APR offer. The regular APR is a variable 18.49%.
You can get a $500 one-time cash bonus after spending $4,000 in the first three months from account opening. Get unlimited 2% cash back. Redeem any time without minimums.
You will need good to superb credit to qualify.
Find it here: capitalone.com/small-business/credit-cards/spark-cash
Check out our Hybrid Credit Line funding. It’s a great complement to the best gas cards for small business during the US recession – and more!
Check out the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for one year. After that the regular APR is a variable 14.49 – 22.49%.
Get unlimited 1.5% cash back on all purchases, with no category restrictions or bonuses. They double the 1.5% Cashback Match™ at the end of the first year. There is no minimal spend requirement.
You can download transactions| easily to Quicken, QuickBooks, and Excel. Keep in mind: you will need great to superb credit to get approval for this card.
discover.com/credit-cards/business
Have a look at the Ink Business Cash℠ Credit Card. It has no annual fee. There is a 0% introductory APR for the first 12 months. After that, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the initial three months from account opening.
You can get 5% cash back on the initial $25,000 spent in combined purchases at office supply stores and on web, cable and phone services each account anniversary year.
Get 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other purchases. There is no limit to the amount you can get.
You will need superb credit scores to qualify for this card.
Find it here: creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF
Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the first 9 billing cycles of the account. After that, the APR is 13.74% – 23.74% variable. There is no yearly fee. You can get a $300 statement credit offer.
Get 3% cash back in the category of your choice. So these are gasoline stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Get 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. After that get 1% after, with no limits.
You will need superb credit scores to qualify.
Find it here: promo.bankofamerica.com/smallbusinesscards2
We also found cards which give bonuses for auto rental, because you might not be driving your own car when on business.
Have a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which then rises to $95. The regular APR is 18.49%, variable due to the prime rate. There is no introductory annual percentage rate. Pay no transfer fees. Late fees go up to $39.
This card is excellent for travel if your expenses don’t fall into typical bonus categories. You can get unlimited double miles on all purchases, with no limits. Get 5x miles on rental cars and hotels if you book via Capital One Travel.
Get an initial bonus of 50,000 miles. That’s the same as $500 in travel. But you only get it if you spend $4,500 in the first 3 months from account opening. There is no foreign transaction fee. You will need a good to exceptional FICO score to qualify.
Find it here: capitalone.com/small-business/credit-cards/spark-miles
For an excellent sign-up offer and bonus categories, check out the Ink Business Preferred℠ Credit Card.
Pay a yearly fee of $95. Regular APR is 17.49 – 22.49%, variable. There is no introductory APR offer.
Get 100,000 bonus points after spending $15,000 in the initial three months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.
Get 3 points per dollar of the first $150,000 you spend with this card. So this is for purchases on travel, shipping, internet, cable, and phone services. Plus it includes advertising purchases made with social media sites and search engines each account anniversary year.
You can get 25% more in travel redemption when you redeem for travel using Chase Ultimate Rewards. You will need a good to superb FICO score to qualify.
Find it here: creditcards.chase.com/business-credit-cards/ink/business-preferred
For no yearly fee while still getting travel rewards, take a look at this card from Bank of America. It has no yearly fee and a 0% introductory APR for purchases during the initial nine billing cycles. After that, its regular APR is 13.74 – 23.74% variable.
You can get 30,000 bonus points when you make a minimum of $3,000 in net purchases. So this is within 90 days of your account opening. You can redeem these points for a $300 statement credit towards travel purchases.
Earn unlimited 1.5 points for each $1 you spend on all purchases, everywhere, every time. And this is no matter how much you spend.
Likewise earn 3 points per every dollar spent when you schedule your travel (car, hotel, airline) through the Bank of America® Travel Center. There is no limit to the number of points you can earn and points do not expire.
You will need excellent credit scores to get this one (as in, 700s or better).
Find it here: bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card
Have a look at the Marriott Bonvoy Business™ Card from American Express. It has an annual fee of $125. There is no introductory APR offer. The regular APR is a variable 17.24 – 26.24%. You will need great to superb credit scores to get this card.
You can earn 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the initial three months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at US restaurants and filling stations. And you can get 4x the points on wireless telephone services bought directly from American service providers and on American purchases for shipping.
Get double points on all other eligible purchases.
Also, you get a free night every year after your card anniversary. And you can get one more free night after you spend $60,000 on your card in a calendar year.
You get complimentary Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on eligible purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.
Plus, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.
Find it here: creditcard.americanexpress.com/d/bonvoy-business
Check out our Hybrid Credit Line funding. It’s a great complement to the best gas cards for small business during the US recession – and more!
Look into the Brex Card for Startups. It has no yearly fee.
You will not need to supply your Social Security number to apply. And you will not need to provide a personal guarantee. They will take your EIN.
However, they do not accept every industry.
Likewise, there are some industries they will not work with, and others where they want added paperwork. For a list, go here: brex.com/legal/prohibited_activities.
To determine creditworthiness, Brex checks a corporation’s cash balance, spending patterns, and investors.
So you can get 7x points on rideshare. Get 4x on Brex Travel. Also, get triple points on restaurants. And get double points on recurring software payments. Get 1x points on everything else.
You can have poor credit (even a 300 FICO) to qualify.
Find it here: brex.com/lp/startups-higher-limits
Check out our Hybrid Credit Line funding. It’s a great complement to the best gas cards for small business during the US recession – and more!
So your outright best gas cards for small business will always hinge on your credit history and scores.
Only you can pick which features you want and need. So make sure to do your homework. What is outstanding for you could be catastrophic for another person.
And, as always, make certain to establish business credit in the recommended order for the best, quickest benefits. The US recession won’t last forever. And with these credit cards and a good payment history, you can emerge from the US recession even better off than you were before.
The post Get Gas Cards for Small Business During the US Recession appeared first on Credit Suite.
Article URL: https://mux.com/jobs
Comments URL: https://news.ycombinator.com/item?id=24376742
Points: 1
# Comments: 0
Article URL: https://jobs.lever.co/backerkit/78009a7b-34ba-46f3-ac96-34ba7e28789a Comments URL: https://news.ycombinator.com/item?id=23966089 Points: 1 # Comments: 0
Article URL: https://prendaschool.com/jobs Comments URL: https://news.ycombinator.com/item?id=23544940 Points: 1 # Comments: 0
Offshore Banking Terms All You Ever Wanted To Know
Numerous capitalists are puzzled by the numerous terms made use of by lenders in defining methods to shield their cash. Below is a list of a few of one of the most usual ones.
Possession Protection Trust (APT) is an unalterable depend on, generally developed (cleared up) offshore for the major objectives of safeguarding and also protecting riches versus lenders. A count on is an agreement influencing 3 events, the settlor (that establishes up the overseas trust fund; additionally called the grantor in U.S. or IRS terms), the recipient and also the trustee. Via the trust fund, the settlor transfers property possession to the trustee on part of the recipients.
Service depend on is developed for the key objective of running an organisation. These trust funds are dealt with as individuals under the Internal Revenue Code (IRC). It needs to have a business function and also in fact work as a service.
Its participants are composed of 14 participant nations of the Caribbean neighborhood, consisting of Antigua, Bahamas, Barbuda, Barbados, Belize, Dominica, Grenada, Guyana, Jamaica, Montserrat, St. Kitts and also Nevis, St. Lucia, St. Vincent, Surinam, Trinidad and also Tobago. Obvious by their lack are the Cayman Islands and also the British Virgin Islands, the 2 significant gamers in global financial as well as financing, which did not desire to be controlled by a little neighborhood due to the fact that of better worldwide connections.
Discretionary Trust is a grantor depend on in which the trustee has single discernment as to that amongst the noted recipients obtains revenue and/or major dispensation. The trustee has complete authority over the fund, or it would certainly discontinue to be an optional count on.
Estate is the amount of individual passions in individual and/or genuine building.
Trip Capital is cash which moves offshore and also likely never ever returns. It is intensified by an uncertainty in federal government financial administration.
GmbH is a German type of a minimal responsibility firm.
High Net Worth (HNW) Person is any type of private with greater than $1,000,000 in fluid possessions.
International Business Company (IBC) is a company created (integrated) under the Company Act of a tax obligation place, yet is not accredited conduct service within that nation. It is meant to be utilized just for worldwide procedures. It is possessed as well as run by investors and/or participants, similar to various other firms.
A Limited Liability Company (LLC) is composed of participant proprietors and also a supervisor, at a minimum. It has tax obligation benefits and also functional versatility discovered in a collaboration, running in a corporate-style framework, with minimal obligation as supplied by the state’s regulations. A LLLP is a Limited responsibility restricted collaboration, meant to shield the basic companions from obligation.
Participant is an equity proprietor of a minimal responsibility firm ((LLC), restricted obligation collaboration (LLP), restricted responsibility restricted collaboration (LLLP) or an investor in an IBC.
NRA is a nonresident alien of the U.S. An NRA is not a U.S. individual as specified under the Internal Revenue Code (IRC).
Offshore is a worldwide term definition not just out of your nation, however additionally out of its tax obligation territory.
PLC is a UK public minimal firm.
The Revenue Reconciliation Act of 1995 suggested modifications to the Internal Revenue Code impacting international count on coverage, to name a few modifications.
Safeties are shares and also financial obligation responsibilities of every kind, consisting of choices, civil liberties, as well as warrants to obtain shares as well as financial obligation commitments.
Clear up. To produce or develop an overseas depend on. Done by the settlor (overseas term) or the grantor (U.S. and also IRS term).
Settlor. One (the entity) that (which) develops or works out an overseas count on.
TCI are the Turks as well as Caicos Islands, a prominent tax obligation sanctuary.
The trustee needs to delay to the count on guard when called for in the finest passion of the count on fund. The coverage needs of the trustee are specified at the production of the count on consist of just how typically, as well as to whom, the trustee will certainly react to questions or directions, financial investment methods as well as costs for the trustee’s solutions.
Attire Partnership Act (UPA) is just one of the consistent regulations embraced by some states or made use of as a standard for various other states.
Vetting is the procedure made use of by the overseas professional for assessing whether a potential customer is a great prospect for overseas possession defense.
Globe Bank was developed to be the lending institution as well as technological consultant to creating nations, using funds and also technological understanding from participant countries. It has actually usually been slammed for advertising austurity programs in indebted third-world countries.
With any luck this brief overview will certainly aid financiers looking for property sanctuaries and also overseas financial centers.
Possession Protection Trust (APT) is an unalterable trust fund, normally developed (worked out) offshore for the major functions of safeguarding and also maintaining riches versus financial institutions. A depend on is an agreement impacting 3 celebrations, the settlor (that establishes up the overseas depend on; likewise called the grantor in U.S. or IRS terms), the recipient as well as the trustee. Discretionary Trust is a grantor trust fund in which the trustee has single discernment as to that amongst the noted recipients gets revenue and/or primary dispensation. The trustee needs to postpone to the depend on guard when needed in the finest rate of interest of the count on fund. The coverage needs of the trustee are specified at the development of the count on consist of just how usually, and also to whom, the trustee will certainly react to questions or directions, financial investment approaches and also costs for the trustee’s solutions.
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Just How To Avoid Unreasonable Penalties
There are lots of factors to stay clear of lugging a huge equilibrium on your credit history cards. Currently there’s one even more factor to prevent lugging a huge equilibrium: if you make a late repayment, your charge could be connected to just how much you owe the card firm.
It’s real; card business make their cash with charges, charges, and also rate of interest. Some of the fines are extreme, such as what appears to be the brand-new requirement: a $39 late cost on equilibriums of $1,000 or even more. Which fine can originate from being simply 2 days late on a repayment.
The home loan dilemma is to condemn; with so several poor financial obligations being created off by residence customers submitting personal bankruptcy, card firms are dealing with document losses. They are attempting to redeem these losses nevertheless they can, and also fines and also charges are the fastest means.
Have a look at current data for 3 of the leading card companies in the United States:
Discover
Late charge: $15 on equilibriums approximately $100; $25 on equilibriums of $100 approximately $1,000; $35 on equilibriums of $1,000 as well as better.
Over-the-limit cost: Same as late cost.
Citibank
Late charge: $15 on equilibriums as much as $100; $25 on equilibriums of $100 to $1,000; $35 on equilibriums of $1,000 as well as even more.
Over-the-limit charge: $35.
Financial institution of America.
Late cost:$ 19 for equilibriums much less than $100; $29 for equilibriums $100 to $1,000; $39 for equilibriums more than $1,000.
Over-the-limit charge: $35.
Financial institution of America’s American Express card additionally bills 25% rate of interest on cash loan. If you utilize your card for that function, after that bring a big rotating equilibrium on the card, you will certainly locate that the majority of your month-to-month repayment is being consumed by costs, fines, and also passion, with really little paying for the real equilibrium on the card. This can be destructive as well as discouraging to card owners that are attempting to leave financial obligation.
You can contrast store for credit scores cards right below on Creditor Web. If you have a huge equilibrium on one card that you might pay off within 6 to twelve months if just the rate of interest were reduced, take into consideration using for a 0% rate of interest equilibrium transfer card. (Be conscious that 0% rate of interest cards do start to build up passion after the initial duration.
Talk to good friends as well as household participants that are pleased with their credit score card solutions. When you’re equipped with understanding, you will certainly be able to make a smart choice regarding which card is appropriate for you– and also maintain unreasonable costs as well as fines at bay.
There are several factors to stay clear of bring a big equilibrium on your credit scores cards. Currently there’s one even more factor to stay clear of lugging a huge equilibrium: if you make a late settlement, your charge may be connected to just how much you owe the card firm.
It’s real; card business make their cash via charges, charges, and also rate of interest. If you utilize your card for that objective, after that lug a big rotating equilibrium on the card, you will certainly locate that many of your regular monthly repayment is being consumed by charges, fines, and also rate of interest, with extremely little paying down the real equilibrium on the card. If you have a huge equilibrium on one card that you can pay off within 6 to twelve months if just the passion were reduced, take into consideration using for a 0% rate of interest equilibrium transfer card.
The post Just How To Avoid Unreasonable Penalties appeared first on ROI Credit Builders.
Property assessment
Property assessment– is that the actual one?
The actual estate assessment is done utilizing different techniques as well as the actual estate evaluation values the home as various for distinction functions e.g. the actual estate assessment could designate 2 various worths to the exact same residential property (Improved worth as well as uninhabited worth) as well as once more the same/similar home could be appointed various worths in a business area and also a household area. The worth designated as an outcome of genuine estate assessment could not be the worth that a genuine estate capitalist would certainly take into consideration when reviewing the residential property for financial investment. An actual estate financier could entirely disregard the worth that comes out of actual estate evaluation procedure.
Once more, a genuine estate capitalist could perform his genuine estate evaluation based on what worth he/she can develop by spending some quantity of cash in the residential property i.e. an actual estate capitalist may make a decision on purchasing a dirty/scary kind of residential property (which no one suches as) as well as obtain some small repair work, paint etc done in order to enhance the worth of the residential property (the worth that the actual estate capitalist would certainly obtain by offering it in the market). Below the definition of genuine estate evaluation modifications totally (as well as can be really various from the worth that genuine estate evaluator would certainly come out with if the actual estate evaluator performed an actual estate evaluation workout on the building).
An investor will normally base his financial investment choice on this realty evaluation that he does by himself (or obtains done with somebody). Can we after that label genuine estate evaluation as a truly actual ‘genuine estate assessment’?
The actual estate evaluation is done utilizing different approaches and also the genuine estate evaluation values the residential property as various for distinction functions e.g. the genuine estate evaluation could designate 2 various worths to the very same home (Improved worth as well as uninhabited worth) as well as once more the same/similar residential property may be appointed various worths in an industrial area and also a property area. Once again, an actual estate capitalist may perform his actual estate assessment based on what worth he/she can develop by spending some quantity of cash in the residential or commercial property i.e. an actual estate capitalist may choose on getting a dirty/scary kind of home (which no one suches as) and also obtain some small repair work, paint etc done in order to raise the worth of the building (the worth that the genuine estate capitalist would certainly obtain by offering it in the market). Right here the definition of actual estate assessment modifications totally (and also can be really various from the worth that genuine estate evaluator would certainly come out with if the actual estate evaluator performed an actual estate evaluation workout on the residential property).
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