Derek Carr has been praying about leading the Raiders in the playoffs since he was drafted in 2014, and those prayers seemed to be answered in 2016 when his team steamrolled to a 12-3 record the first 16 weeks of that playoff-clinching season.
Location: Istanbul, Turkey
Remote: Yes
Willing to relocate: Yes (EU preferred)
Technologies:
– Java, Java EE, JSP, JSF, Struts, JPA, Hibernate, JDBC, Spring Framework, Spring Security, Spring Boot, Spring Data
– Angular, TypeScript, HTML, Bootstrap, CSS, JavaScript, JQuery
– SOAP and RESTful web services, XML, JSON
– SQL, PostgreSQL, Oracle Database, MongoDB
– Oracle WebLogic, Apache Tomcat
– NPM, Maven, Gradle, Ant
– Git, Bitbucket, Subversion, Jira, Jenkins, Linux, Docker
Résumé/CV: https://www.linkedin.com/in/hakin/
Email: huseyinakin at live dot com
Article URL: https://angel.co/company/bonsai/jobs/1264053-product-manager-lead
Comments URL: https://news.ycombinator.com/item?id=26776696
Points: 1
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The central bank again revises its growth forecasts upward.
The post The Fed’s Stimulus Paradox appeared first on ROI Credit Builders.
If you’ve been looking for a Credibly recession funding review, then look no further.
Credibly is one of several online lending companies. They are actually an emerging Fintech platform. They also provide SBA PPP loans.
Credibly can provide small business funding for working capital or small business expansion. You can also get a line of credit through them, equipment financing, invoice factoring, and merchant cash advances.
Credibly is located online here: www.credibly.com. Their physical addresses are located in Southfield, Michigan; New York, New York; and Scottsdale, Arizona. You can call them at: (888) 664-1444. Their contact page is here: www.credibly.com/contact.
You can email them at: customerservice@credibly.com.
Your company has to in business for at least 6 months at the minimum. In addition, you need to have at least $15,000 in monthly revenue. You must have a personal credit score of 500 or better.
Credibly also will want to review your most recent three months’ worth of bank statements while they consider whether to grant your application for funding.
Credibly offers $5,000 to $400,000 in funding. Get money fast – within 24 – 48 hours.
Credibly will perform a soft credit pull only to check your qualifications. But before you receive funding, Credibly will do a hard pull which will appear on your credit profile and may affect your credit score.
In addition, they will want a personal guarantee. They do not require you to provide collateral.
Get up to $400,000 in funding. Terms are 6 to 18 months. Pay factor rates as low as 1.15. For loans over $100,000, they want to see your most recent business tax return.
Get up to $250,000 in funding. Terms are 18 or 24 months. Interest rates start at 9.99%. You must have a FICO score of 600 or better and three or more years in business. Also, you must have $3,000 or more in average daily balances.
Pay a one-time 2.5% of the total loan amount set up fee. This fee is deducted from your proceeds. Rates start at 9.99%.
These forms of funding are only available through Credibly’s network of external funding partners.
Get up to $400,000 in funding. Duration is anticipated to be 3 to 18 months. Pay factor rates as low as 1.15. Automatic remittances are tied to your receivables.
Advantages include a short time in business requirement. A short time to funding is also attractive.
One set of disadvantages are that they will want a personal guarantee and they will do a hard pull on your personal credit.
For startup companies and their founders in particular, who are often on some shaky financial ground to begin with, this could prove problematic. For these sorts of companies and business owners, a better choice might be to try crowdfunding or angel investing if either is possible. In that way, a business owner’s personal assets would be safer. And, their personal credit would not be affected.
Business credit is credit in a small business’s name. It doesn’t attach to a business owner’s personal credit, not even when the owner is a sole proprietor and the solitary employee of the small business.
Hence, a business owner’s business and individual credit scores can be very different.
Because company credit is independent from personal, it helps to secure a small business owner’s personal assets, in the event of court action or business insolvency.
Also, with two distinct credit scores, a business owner can get two separate cards from the same merchant. This effectively doubles purchasing power.
Another benefit is that even startup ventures can do this. Going to a bank for a business loan can be a recipe for disappointment. But building company credit, when done correctly, is a plan for success.
Personal credit scores depend on payments but also various other components like credit use percentages.
But for business credit, the scores truly merely depend on if a small business pays its bills timely.
Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet. Save your money during the recession!
Establishing company credit is a process, and it does not occur automatically. A business needs to actively work to establish company credit.
Nevertheless, it can be done readily and quickly, and it is much swifter than developing consumer credit scores.
Vendors are a big component of this process.
Performing the steps out of sequence will cause repetitive denials. Nobody can start at the top with business credit. For instance, you can’t start with retail or cash credit from your bank. If you do, you’ll get a denial 100% of the time.
A company needs to be fundable to lending institutions and vendors.
Consequently, a company will need a professional-looking web site and e-mail address. And it needs to have site hosting bought from a company like GoDaddy.
Additionally, company phone numbers must have a listing on 411.com. Use ListYourself to get a listing.
Likewise, the business phone number should be toll-free (800 exchange or similar).
A business will also need a bank account dedicated solely to it, and it must have every one of the licenses essential for operation.
These licenses all have to be in the particular, correct name of the company. And they need to have the same company address and phone numbers.
So note, that this means not just state licenses, but possibly also city licenses.
Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet. Save your money during the recession!
Visit the Internal Revenue Service web site and obtain an EIN for the company. They’re free. Pick a business entity such as corporation, LLC, etc.
A business can get started as a sole proprietor. But they will most likely wish to switch to a type of corporation or an LLC.
This is in order to decrease risk. And it will optimize tax benefits.
A business entity will matter when it involves taxes and liability in case of litigation. A sole proprietorship means the entrepreneur is it when it comes to liability and tax obligations. Nobody else is responsible.
If you run a business as a sole proprietor, then at least be sure to file for a DBA. This is ‘doing business as’ status.
If you do not, then your personal name is the same as the company name. Hence, you can find yourself being directly responsible for all small business financial obligations.
Plus, according to the Internal Revenue Service, using this structure there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 probability for corporations! Prevent confusion and dramatically reduce the odds of an Internal Revenue Service audit simultaneously.
Any DBA should be a stepping stone to incorporating.
Start at the D&B web site and get a free D-U-N-S number. A D-U-N-S number is how D&B gets a small business in their system, to generate a PAYDEX score. If there is no D-U-N-S number, then there is no record and no PAYDEX score.
Once in D&B’s system, search Equifax and Experian’s websites for the small business. You can do this at www.creditsuite.com/reports. If there is a record with them, check it for accuracy and completeness. If there are no records with them, go to the next step in the process.
In this manner, Experian and Equifax will have activity to report on.
First you ought to build trade lines that report. This is also referred to as vendor credit. Then you’ll have an established credit profile, and you’ll get a business credit score.
And with an established business credit profile and score you can begin to get retail and cash credit.
These types of accounts have the tendency to be for the things bought all the time, like marketing materials, shipping boxes, outdoor work wear, ink and toner, and office furniture.
But to start with, what is trade credit? These trade lines are credit issuers who will give you starter credit when you have none now. Terms are in most cases Net 30, versus revolving.
Therefore, if you get an approval for $1,000 in vendor credit and use all of it, you need to pay that money back in a set term, like within 30 days on a Net 30 account.
Discover our business credit and finance guide, jam-packed with new ways to finance your business without emptying your wallet. Save your money during the recession!
Net 30 accounts must be paid in full within 30 days. 60 accounts need to be paid completely within 60 days. Unlike with revolving accounts, you have a set time when you have to pay back what you borrowed or the credit you made use of.
To kick off your business credit profile the proper way, you should get approval for vendor accounts that report to the business credit reporting agencies. When that’s done, you can then make use of the credit.
Then repay what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.
Not every vendor can help in the same way true starter credit can. These are vendors that will grant an approval with nominal effort. You also want them to be reporting to one or more of the big three CRAs: Dun & Bradstreet, Equifax, and Experian.
You want 3 of these to move onto the next step, which is retail credit.
Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move onto retail credit. These are companies which include Office Depot and Staples.
Only use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, use the company’s EIN on these credit applications.
Are there more accounts reporting? Then progress to fleet credit. These are companies like BP and Conoco. Use this credit to purchase fuel, and to fix and maintain vehicles. Just use your SSN and date of birth on the
se applications for verification purposes. For credit checks and guarantees, make certain to apply using the company’s EIN.
Have you been responsibly handling the credit you’ve up to this point? Then move onto more universal cash credit. These are businesses like Visa and MasterCard. Only use your Social Security Number and date of birth on these applications for verification purposes. For credit checks and guarantees, use your EIN instead.
These are typically MasterCard credit cards. If you have more trade accounts reporting, then these are attainable.
Know what is happening with your credit. Make sure it is being reported and take care of any mistakes ASAP. Get in the practice of checking credit reports. Dig into the details, not just the scores.
We can help you monitor business credit at Experian and D&B for 90% less.
Update the data if there are inaccuracies or the information is incomplete. At D&B, you can do this at: https://iupdate.dnb.com/iUpdate/viewiUpdateHome.htm. For Experian, go here: www.experian.com/small-business/business-credit-information.jsp. And for Equifax, go here: www.equifax.com/business/small-business.
So, what’s all this monitoring for? It’s to challenge any problems in your records. Errors in your credit report(s) can be fixed. But the CRAs often want you to dispute in a particular way.
Disputing credit report errors generally means you mail a paper letter with copies of any proofs of payment with it. These are documents like receipts and cancelled checks. Never mail the originals. Always mail copies and keep the original copies.
Fixing credit report errors also means you precisely detail any charges you challenge. Make your dispute letter as understandable as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you mailed in your dispute.
Always use credit responsibly! Don’t borrow more than what you can pay back. Track balances and deadlines for payments. Paying punctually and in full will do more to raise business credit scores than just about anything else.
Establishing business credit pays off. Good business credit scores help a small business get loans. Your credit issuer knows the company can pay its debts. They recognize the company is for real.
The business’s EIN connects to high scores and lenders won’t feel the need to ask for a personal guarantee.
Business credit is an asset which can help your company in years to come. Learn more here and get started toward establishing business credit.
Companies that do best on Credibly will be fairly new players but with relatively meteoric rises.
A business owner asking for a loan should be prepared for a hard pull on his or her personal credit scores, which will impact those scores. This is just like all hard pulls do.
If an entrepreneur does not have the wherewithal to ride out a slightly lower personal credit score for a couple of years, then Credibly is not for them.
And finally, as with every other lending program, whether online or offline, remember to read the fine print and do the math. Go over the details with care. Decide if this option will be good for you and your company.
In addition, consider alternative financing options that go beyond just lending. These include building business credit and unsecured business financing. This is in order to best decide how to get the money you need to help your business grow.
The post Need Funding? Our Credibly Recession Financing Review Can Save Your Business appeared first on Credit Suite.
As the most successful retailer in the world, it’s only natural for Walmart to have expanded into the e-commerce space. The Walmart Marketplace is among the fastest-growing e-commerce stores out there, so if you’re looking for an Amazon alternative, it’s a serious contender.
But how do you make the most of Walmart Marketplace? Well, let’s take a look, starting with how the platform operates.
As an e-commerce platform, Walmart Marketplace lets third-party vendors sell their products to the Walmart customer base. Once you register as a seller and upload your listings, your items appear in the search results alongside Walmart’s products and other Marketplace vendors.
You’re probably wondering what Walmart gets out of this, but it’s actually pretty simple. It’s all about moving with the times.
Walmart launched the marketplace back in 2009 to attract online shoppers and grow its customer base. By welcoming third-party vendors, Walmart can deliver a broader, more diverse product range to its customers, so there’s less need for them to shop elsewhere.
The most obvious reason why you should join the Marketplace is the potential customer reach. Since millions of people shop on Walmart.com, there’s already a huge customer base for you to draw from. If you haven’t quite figured out your target customers yet, Walmart handles this for you.
However, that’s not the only plus for vendors. Here are some other key advantages to becoming a Walmart Marketplace Seller:
There are lots of reasons to sign up for the platform. Still, it’s not for everyone, and it all comes down to Walmart’s price guarantee.
Your product listings appear alongside Walmart’s items, meaning you may be competing with lower-priced merchandise. What’s more, you can’t sell on Walmart Marketplace if:
My advice? Ensure you can meet Walmart’s price demands before you sign up. Don’t forget to factor in shipping fees and other costs.
There are over 35 product categories to choose from, including toys, games, and electronics, so there’s a good chance you’ll find a fit for you. Some items, like perfumes and seasonal goods, require special permission before you can sell them—contact seller support to arrange this.
Here are some items you can’t sell on the Marketplace.
It’s always best to contact seller support if you’re unsure about an item you plan on listing.
It’s completely free to sign up for a basic Seller Account on the Marketplace, but here’s a breakdown of what you need to know.
The Referral Fee is a percentage of the gross sale price and varies based on what item you sell and what category it’s in. Referral fees start at 6% and go up to around 20%.
Think of the Referral Fee as commission. You pay Walmart a commission for introducing you to potential customers and facilitating a sale.
That’s the biggest question, isn’t it—how much money can I make this way? It all comes down to:
First, you need to know how much other vendors charge for items like yours. In other words, do some market research.
If you list an item at the same price as another vendor, Walmart automatically promotes the product that was listed first. For example, if you and vendor B both sell hairdryers at $40, but vendor B listed their hairdryer the week before you, theirs appears in the item listings before yours.
Want yours listed first? Drop your prices if you can, and watch out for competitors changing their prices.
That said, there’s no point in selling items for rock bottom prices if you won’t make a profit. So, you should determine your profit margin. Factor in costs like:
Once you’ve identified your margins, it’s time to set prices. We can’t tell you how much you should charge, but you should be aiming for the lowest possible price. If you can’t “compete” with Walmart’s low pricing structure, it might not be the platform for you.
There’s good news, though. As of Q2 in the 2021 fiscal year, Walmart online sales jumped by a record 97%, meaning there’s a whole lot of profit potential on this platform if you use it properly.
Let’s look at how to do just that.
Onboarding onto Walmart Marketplace is relatively straightforward, but it’s even easier if you know what steps to work through.
First, you need a Walmart Marketplace Account. Here’s what you need to get started:
Essentially, you need to show Walmart that you’re a serious seller. You’re someone who knows how to process and fulfill orders, and you prioritize customer care.
The application takes around 10-15 minutes to complete, but the approval process can take a few weeks, if not months.
Approved to sell? Now, it’s time to create your Partner Profile, which offers customers an overview of your entire business and all your policies.
First, click the link in the email you received from Walmart Marketplace. It takes you to an account registration page.
Once you’ve chosen a password and confirmed your business name and address, you fill out a W-9 so that Walmart can verify your identity. Here’s what the form looks like:
After you’re finished with the tax paperwork, select how you want to receive payment. You can choose from Payoneer or Hyperwallet. It’s a good idea to set up an account with one of these providers before you start the application.
Finally, you choose your shipping model, including which regions you deliver to and which delivery options you plan to make available.
Next, it’s time to add some details. Include your:
It shouldn’t take long to work through the Partner Profile, and there’s no need to wait for approval before moving on to the next stage.
Once you’ve completed your Partner Profile, it’s time to post some items.
The first step is picking the product category. Remember, there are multiple categories available, so be sure to choose the closest match. Here’s an example of what the categories look like.
Then comes the tricky part: How do you make your listings stand out? Well, it’s all about optimization.
Why is it so crucial for listings to stand out? Because the best listings win Walmart’s coveted “Buy Box.”
Remember when we said that Walmart shows customers the earliest-posted and cheapest item first? Well, customers don’t just “see” this item first. It’s the default product automatically added to someone’s cart when they click “Add to Cart.”
“Add to Cart” is the “Buy Box,” and as you can imagine, it’s highly coveted real estate on the Marketplace!
You need to follow some pretty strict fulfillment rules to maintain your spot on the platform.
You must always offer at least two shipping options:
You can also offer Expedited or Next Day Delivery, but these orders must arrive quicker than the cheaper shipping options—or you might need to reimburse shipping.
Avoid late orders wherever possible. Unhappy customers reflect poorly on your overall rating.
The payment rules are a little complicated, but we can break them down like this:
Refunds are deducted from your payments as they’re processed. You can view your transaction history by checking the “Payments” section in the Seller Center.
Walmart cares about vendor quality, so here are some tips to bear in mind.
The bottom line? Maintain high customer service standards, keep your listings accurate, and don’t take on more orders than you can handle.
Now we’ve explored the inner workings of the Walmart Marketplace, there’s only one thing left to do—apply to join the platform!
Just remember to optimize your listings with the right keywords and best prices before you get started. For some extra help with your marketing and analytics, check out my consulting services.
Remember, you need to impress the Marketplace before you sign up, so it makes sense to do some groundwork first.
Have you tried the Walmart Marketplace? How is it working for you?
The post How to Get Your Products in Walmart Marketplace appeared first on Neil Patel.
Article URL: https://boards.greenhouse.io/truebill/jobs/4047851003
Comments URL: https://news.ycombinator.com/item?id=24408971
Points: 1
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Just how Well Do We Understand Social Security?
The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American residents. 6.2% is secured of their salaries as well as a matching 6.2% matching payments of companies over all made up the social safety and security payments. Payments quit after the initial 90k of earnings is gotten to per participant.
The optimal Social Security situation is in which the payments are a lot greater than the quantity of advantages to be offered. As well as any type of excess fund after paying all advantages is positioned right into a Trust Fund. The Trust Fund is after that spent in Treasury Bonds because the regulation needs it.
The United States Government might make use of the cash however needs to spend for it later on. Throughout the year 2003 the management headed by Pres. Bush has actually gathered a shortage of $536 billion in which the $156 billion excess of Social Security was utilized. The issue currently is that the management is drawing away all concerns far from the fund they obtained and also is entirely overlooking the entire problem by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
They are likewise stating that if not privatize, the Social Security will certainly have to reduce on some of the future advantages. As well as what takes place currently is that the federal government takes on the fund, invest it as well as after that fail to remember all concerning it which is not excellent given that it impacts the advantages to be gotten by social safety participants.
There should certainly appertain allowances of funds indicating that the fund for Social Security Benefits must not be utilized for battle and also tax obligation cuts. And also if ever before, it is made use of after that the management needs to be liable sufficient in returning the cash they have actually obtained. Its not theirs to begin with, it’s for the American individuals that have actually striven in order to save money on for their future.
The Social Security is moneyed by the pay-roll tax obligation paid by hardworking American people. The issue currently is that the management is drawing away all concerns away from the fund they obtained and also is totally ignoring the entire concern by informing the American individuals that privatization is the only point that can conserve Social Security out of its economic dilemma.
And also what takes place currently is that the federal government takes on the fund, invest it and also after that neglect all regarding it which is not excellent given that it impacts the advantages to be gotten by social protection participants.
There ought to be appropriate allotments of funds suggesting that the fund for Social Security Benefits ought to not be utilized for battle as well as tax obligation cuts.
The post Just how Well Do We Understand Social Security? appeared first on ROI Credit Builders.
Neglect the Banks, Use Peer-to-Peer Lending For Obtaining Student Loans
Fail to remember the Banks, Use Peer-to-Peer Lending For Obtaining Student Loans
Summary of Peer to Peer Lending
In enhancement with the recurring credit rating dilemma, moneying for pupil finances offered by financial institutions as well as various other exclusive establishments has actually almost dried out up or end up being unattainable. In the circumstances where trainees can acquire exclusive financing, rate of interest prices can be as high as 20%.
A fairly brand-new option to federal government as well as financial car loans is peer-to-peer loaning (also known as p2p borrowing, social financing). With peer-to-peer loaning, consumers can obtain finances straight from a swimming pool of personal lending institutions. For trainees, peer-to-peer borrowing uses the pledge of reduced passion prices in contrast to standard financial institution fundings.
Presently, there are 2 peer-to-peer loaning business concentrating mainly on trainee car loans: Fynanz as well as GreenNote.
Fynanz provides payment strategies over 5, 7, or 10 years relying on the buck quantity of the funding. Like a typical pupil finance, trainees obtain a moratorium while in college and also can postpone major settlements for as much as 2 years after finishing. With Fynanz, trainees can anticipate to obtain a greater rates of interest considering that lending institutions are assured 50% to 100% of the principal if the consumer defaults.
GreenNote finances have a set rate of interest that amounts the present Federal Unsubsidized Stafford rate of interest at 6.8%, which is a much reduced rate of interest than personal or small business loan. They provide pupils a moratorium of 6 months after college graduation, as well as settlement is made month-to-month over a ten-year duration. No credit history authorization or credit rating is required given that arrangements are made in between the individuals and also trainees they understand.
Virgin Money USA is one more alternative for obtaining fundings if the trainee has a network of good friends or family members prepared to provide cash. The trainee as well as lending institution choose upon the rate of interest price and also settlements, not Virgin Money.
Danger for Student Borrowers
Either the pupils get financing or they are rejected financing, like any kind of various other financial institution or government financing they may use for. A trainee’s lending will certainly be moneyed if adequate capitalists select to money it and also the cash is gotten up front. Permitting Virgin Money USA or GreenNote to handle the financing will certainly make the procedure authorities and also therefore be a much more eye-catching financial investment to the trainee’s buddies and also household.
What’s the judgment?
Peer to peer financing is an exceptional choice for trainees seeking cash. On the whole, peer to peer loaning provides a protected yet alternate technique for acquiring financing for university expenditures past what government finances, gives, or scholarships can cover.
For pupils, peer-to-peer loaning uses the pledge of reduced passion prices in contrast to standard financial institution lendings. Like a typical trainee car loan, pupils obtain a poise duration while in college and also can postpone major repayments for up to 2 years after finishing. Virgin Money USA is one more choice for obtaining fundings if the trainee has a network of good friends or family members eager to offer cash. A pupil’s finance will certainly be moneyed if sufficient capitalists select to money it and also the cash is obtained up front. Enabling Virgin Money USA or GreenNote to handle the lending will certainly make the procedure authorities and also therefore be a much more eye-catching financial investment to the pupil’s buddies as well as household.
The post Fail to remember the Banks, Use Peer-to-Peer Lending For Obtaining Student Loans appeared first on ROI Credit Builders.
ebay.com Sellers: The Importance of Paying Your ebay.com Fees on schedule
Are you an ebay.com vendor? One of the essential points to keep in mind, when offering on ebay.com, is the relevance of paying your ebay.com costs on time.
When it comes to paying your ebay.com charges on time, there are a huge number of vendors that ask yourself precisely why it is so essential. As an ebay.com vendor, those effects might be expensive to you.
One of the most typical effects of not paying your ebay.com costs on time entails having your ebay.com vendor account put on hold. That is why it is exceptionally essential that you pay your ebay.com costs on time.
When paying your ebay.com charges, all you truly require to do is log right into your account, go to the web link classified “ebay.com costs,” as well as comply with the directions from there. When it comes time to pay your ebay.com costs, ebay.com ought to send you a billing, yet you do not have to wait till you get that billing.
When you initially arrangement your ebay.com account, you have the choice of having your charges subtracted right from your debt card, which you might have utilized to aid arrangement your cost-free ebay.com account. Or, you might stick paying your charges on your very own, whenever they are due.
As you can see from above, there are a variety of various manner ins which you can tackle paying your ebay.com vendor charges. You will certainly desire to most definitely make certain that you pay your charges on time if you are an energetic ebay.com vendor or one that depends on ebay.com for revenue. Given that you have a variety of various means to tackle doing so, there isn’t any kind of reason that you can not pay your ebay.com charges and also in a rather prompt issue.
One of the essential points to bear in mind, when marketing on ebay.com, is the value of paying your ebay.com costs on time.
One of the most typical repercussions of not paying your ebay.com costs on time entails having your ebay.com vendor account put on hold. When paying your ebay.com charges, all you actually require to do is log right into your account, go to the web link identified “ebay.com charges,” and also comply with the guidelines from there. When it comes time to pay your ebay.com costs, ebay.com ought to send you a billing, yet you do not have to wait till you get that billing. If you are an energetic ebay.com vendor or one that counts on ebay.com for revenue, you will certainly desire to most definitely make certain that you pay your costs on time.
The post ebay.com Sellers: The Importance of Paying Your ebay.com Fees in a timely manner appeared first on ROI Credit Builders.