Author: Shirley Ibarra

New comment by Zr40 in "Ask HN: Who wants to be hired? (April 2024)"

  Location: Netherlands
  Remote: Yes (occasional travel is OK)
  Willing to relocate: Unlikely
  Technologies: Python, Rust, PostgreSQL, can work with most other tech
  CV: See LinkedIn
  Email: hn+hire2404@zr40.nl
  LinkedIn: https://www.linkedin.com/in/~zr40/

I’m an experienced Python backend developer and PostgreSQL DBA with a bit of SRE on the side. Looking to move into Rust development professionally (please, no Blockchain/Web3), although Python is acceptable too.

I tend to gain an excellent understanding of the systems I work on. This enables me to execute complex tech projects successfully, such as:

  * migrating a large Python 2 project to Python 3
  * implementing strong type checking across the entire project, while fixing pre-existing typing issues
  * tracking down weird bugs, performance problems, and memory leaks, and fixing their root causes
  * removing technical debt
  * increasing productivity for entire teams
  * rapid incident analysis and response

I strongly prefer written communication due to spectrum issues. If you require frequent verbal/in-person communication, I will not be a good match. Brief status calls are fine.

New comment by gertgoeman in "Ask HN: Freelancer? Seeking freelancer? (March 2023)"

SEEKING WORK | Remote or on-site (Belgium)

Technologies: C#, .NET (Core), JavaScript/TypeScript, React, Angular, SQL Server/postgres, ElasticSearch, Redis, Azure, GCP

Résumé/CV: https://drive.google.com/file/d/16wBwX4D1isUb0nyQtAZyyWDPx7y…

Email: gertgoeman1[at]gmail.com

LinkedIn: https://www.linkedin.com/in/gertgoeman/

Hi, I’m Gert and I have almost 15 years of experience in various technical roles (software engineer, software architect, solution architect, team-lead). I’m passionate about building software with cutting edge technologies.

Professionally, I’ve been mostly involved in the .NET and Angular/React ecosystems, but in my own time I enjoy playing around with other technologies and programming languages. I’m looking for a new gig and I certainly don’t mind learning something new.

Check Out the Best Discover Business Credit Card and More

Are you looking for a Discover business credit card?

The Very Best Discover Business Credit Card

We looked into lots of corporate credit cards for you, to find the best Discover business credit card. So, here are our choices.

Per the SBA, company credit card limits are a whopping 10 – 100 times that of personal credit cards!

This reveals you can get a great deal more money with company credit cards. And it likewise reveals you can have personal credit cards at stores. So, you would now have an additional card at the same stores for your small business.

And you will not need collateral, cash flow, or financials to get business credit.

Discover Business Credit Card Benefits

Benefits can vary. So, make certain to pick the benefit you would prefer from this choice of alternatives.

A Discover Business Credit Card and More Cards for Cash Back

Here is a great Discover business credit card and some similar cards from other providers, so you can make a reasonable comparison.

Flat-Rate Rewards and No Annual Cost

Discover it® Business Card

Check out the Discover it® Business Card. It has no annual fee. There is an introductory APR of 0% on purchases for twelve months. 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 minimum spend requirement.

You can download transactions| quickly to Quicken, QuickBooks, and Excel. Note: you will need good to outstanding credit scores to get this Discover business credit card.

https://www.discover.com/credit-cards/business/

Flat-Rate Rewards

Capital One ® Spark® Cash for Business 

Have a look at the Capital One® Spark® Cash for Business. It has an introductory $0 annual fee for the first year. Afterwards, this card costs $95 annually. 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 initial three months from account opening. Get unlimited 2% cash back. Redeem at any time with no minimums.

You will need good to superb credit to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash/ 

Discover Business Credit Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Bonus Categories

Ink Business Cash℠ Credit Card

Check out the Ink Business Cash℠ Credit Card. It has no yearly fee. There is a 0% introductory APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%. You can get a $500 one-time cash bonus after spending $3,000 in the first three months from account opening.

You can get 5% cash back on the first $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 earn.

You will need exceptional credit scores to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/cash?iCELL=61GF 

Boosted Cash Back Categories

Bank of America® Business Advantage Cash Rewards MasterCard® credit card

Have a look at the Bank of America® Business Advantage Cash Rewards MasterCard® credit card. Get an 0% introductory APR for the initial 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 filling stations (default), office supply stores, travel, TV/telecom & wireless, computer services or business consulting services. Earn 2% cash back on dining. So this is for the first $50,000 in combined choice category/dining purchases each calendar year. Then earn 1% after, with no limits.

You will need superb credit to qualify.

Find it here: https://promo.bankofamerica.com/smallbusinesscards2/ 

An Alternative to a Discover Business Credit Card: Company Credit Cards with a 0% Introductory APR – Pay Zero!

These cards have another feature similar to the Discover business credit card rated above.

Blue Business® Plus Credit Card from American Express

Have a look at the Blue Business® Plus Credit Card from American Express. It has no annual fee. There is a 0% introductory APR for the initial one year. After that, the APR is a variable 14.74 – 20.74%.

Get double Membership Rewards® points on day to day business purchases like office supplies or client dinners for the first $50,000 spent each year. Get 1 point per dollar afterwards.

You will need good to outstanding credit to qualify.

Find it here: https://creditcard.americanexpress.com/d/bluebusinessplus-credit-card/

American Express® Blue Business Cash Card

Also take a look at the American Express® Blue Business Cash Card. Note: the American Express® Blue Business Cash Card is identical to the Blue Business® Plus Credit Card from American Express. Yet its rewards are in cash rather than points.

Get 2% cash back on all qualified purchases on up to $50,000 per calendar year. Then get 1%.

It has no yearly fee. There is a 0% introductory APR for the first year. Afterwards, the APR is a variable 14.74 – 20.74%. So, the APR is comparable to that of the Discover business credit card.

You will need great to superb credit scores to qualify.

Find it here: https://creditcard.americanexpress.com/d/business-bluecash-credit-card/

Here are a few more great business credit cards with different features which may also be of interest.

Secure Business Credit Cards for Fair Credit Scores

Capital One® Spark® Classic for Business

Have a look at the Capital One® Spark® Classic for Business. It has no annual fee. There is no introductory APR offer. The regular APR is a variable 24.49%. You can earn unlimited 1% cash back on every purchase for your business, without any minimum to redeem.

While this card is within reach if you have average credit, beware of the APR. However if you can pay in a timely manner, and in full, then it’s a bargain.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-classic/

Discover Business Credit Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Outstanding Business Credit Cards with No Annual Fee

No Yearly Fee/Flat Rate Cash Back

Ink Business Unlimited℠ Credit Card

Take a look at the Ink Business Unlimited℠ Credit Card. Past no annual fee, get an introductory 0% APR for the first 12 months. Afterwards, the APR is a variable 14.74 – 20.74%.

You can get unlimited 1.5% Cash Back rewards on every purchase made for your business. And get $500 bonus cash back after spending $3,000 in the first three months from account opening. You can redeem your rewards for cash back, gift cards, travel and more via Chase Ultimate Rewards®. You will need excellent credit to get approval for this card.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/unlimited

Unbeatable Cards for Jackpot Rewards That Never Expire

Capital One® Spark® Cash Select for Business

Take a look at the Capital One® Spark® Cash Select for Business. It has no annual fee. You can get 1.5% cash back on every purchase. There is no limit on the cash back you can get. And get a one-time $200 cash bonus as soon as you spend $3,000 on purchases in the initial three months. Rewards never expire.

Pay a 0% introductory APR for 9 months. Then pay 14.49% – 22.49% variable APR after that.

You will need great to superb credit scores to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-cash-select/

Small Business Credit Cards for Luxurious Travel Points: Alternatives to the Best Discover Business Credit Card

Flat-rate Travel Rewards

Capital One® Spark® Miles for Business

Take a look at the Capital One® Spark® Miles for Business. It has an introductory yearly fee of $0 for the first year, which after that 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 wonderful for travel if your expenditures don’t fall into standard bonus categories. You can get unlimited double miles on all purchases, without limits. Earn 5x miles on rental cars and hotels if you book via Capital One Travel.

Get an introductory bonus of 50,000 miles. That’s the same as $500 in travel. But you just 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 outstanding FICO rating to qualify.

Find it here: https://www.capitalone.com/small-business/credit-cards/spark-miles/

Discover Business Credit Card Credit Suite

Establish business credit fast with our research-backed guide to 12 business credit cards and lines.

Bonus Travel Categories with a Sign-Up Offer

Ink Business Preferred℠ Credit Card

For a terrific sign-up offer and bonus categories, take a look at 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 first 3 months after account opening. This works out to $1,250 towards travel rewards if you redeem with Chase Ultimate Rewards.

Get three points per dollar of the initial $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 great to excellent FICO score to qualify.

Find it here: https://creditcards.chase.com/business-credit-cards/ink/business-preferred

No Annual Fee

Bank of America® Business Advantage Travel Rewards World MasterCard® credit card

For no yearly fee while still getting travel rewards, check out this card from Bank of America. It has no annual fee and a 0% introductory APR for purchases during the initial 9 billing cycles. Afterwards, its regular APR is 13.74 – 23.74% variable.

You can earn 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.

Get 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 get 3 points per every dollar spent when you reserve your travel (car, hotel, airline) with the Bank of America® Travel Center. There is no limit to the number of points you can earn and points don’t expire.

You will need outstanding credit scores to get this one (as in, 700s or better).

Find it here: https://www.bankofamerica.com/smallbusiness/credit-cards/products/travel-rewards-business-credit-card/

Hotel Credit Card

Marriott Bonvoy Business™ American Express® Card

Take 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 good to outstanding credit scores to get this card.

Points

You can get 75,000 Marriott Bonvoy points after using your card to make purchases of $3,000 in the first 3 months. Get 6x the points for qualified purchases at participating Marriott Bonvoy hotels. You can get 4x the points at United States restaurants and filling stations. And you can get 4x the points on wireless telephone services bought straight from American providers and on American purchases for shipping.

Get double points on all other eligible purchases.

Rewards

Plus, 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 Marriott Bonvoy Silver Elite status with your Card. Plus, spend $35,000 on qualified purchases in a calendar year and earn an upgrade to Marriott Bonvoy Gold Elite status through the end of the following calendar year.

Also, each calendar year you can get credit for 15 nights towards the next level of Marriott Bonvoy Elite status.

Find it here: https://creditcard.americanexpress.com/d/bonvoy-business/

The Best Discover Business Credit Card for You

Your straight-out best Discover business credit card will depend upon your credit report and ratings.

Only you can select which features you want and need. So, ensure to do your research. What is exceptional for you could be devastating for another person.

And, as always, make sure to establish credit in the advised order for the best, fastest benefits.

The post Check Out the Best Discover Business Credit Card and More appeared first on Credit Suite.

NYSE's Plan for New IPO Alternative Wins Green Light From SEC

Regulators have approved a proposal from the New York Stock Exchange to let companies raise capital through direct listings, a decision that creates a cheaper alternative to the traditional initial public offering.

The post NYSE’s Plan for New IPO Alternative Wins Green Light From SEC first appeared on Online Web Store Site.

The post NYSE’s Plan for New IPO Alternative Wins Green Light From SEC appeared first on ROI Credit Builders.

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

SuperNormal | supernormal.app | Full Stack Engineer | Remote | Full-time

SuperNormal is building a remote team communication platform. Stack is React + Rails. We’re former Github and IG engineers / product people building the future of work. Venture backed and looking to grow the small team!

https://www.notion.so/SuperNormal-is-hiring-1b34fb5a719044f2…

Debt Help For Mortgage Financing

Credit Scores Help For Mortgage Financing

Funding a brand-new home mortgage? Be cautious of “aggressive loan providers.”
In November 2005, Montgomery County, Maryland’s region council established regulation to broaden the groups of inequitable financing tasks connected with inequitable real estate techniques as well as enhanced the optimum penalty for such tasks from $5,000 to $500,000. The council sited techniques such as billing excessive quantities for early repayment charges, factors, as well as fines; guiding consumers towards much more costly home loans; and also re-financing present home mortgages with brand-new ones that customers will not have the ability to pay off based upon their earnings or credit score.
Predacious lending institutions normally target what’s called the nonprime home loan market, where individuals with poor credit rating documents attempt to obtain cash for houses in much less preferable communities, which implies that it’s typically minority teams, such as African-Americans and also Latinos, that are the targets of aggressive loaning techniques.
February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to establish regulation concerning home loan loaning techniques– although the AFSA went on document as opposing violent as well as biased financing techniques. The brand-new legislation was expected to work the 2nd week in March, yet home mortgage lending institution attorneys convinced a court to postpone the brand-new legislation, pending a hearing. It’s yet to be established if the Montgomery County regulation will certainly stay on the publications.
No matter of the result in Montgomery County, nevertheless, predacious borrowing techniques are unlawful in the majority of states. An additional typical method is firmly insisting that debtors likewise buy such points as debt life insurance coverage or various other items– once more, mainly made to produce even more revenue for the loan provider.
The lower line is that there are offering organizations that make a lot of cash by billing added charges to those customers that can the very least manage them, thus either robbing those debtors of the American desire for own a home or, even worse yet, establishing them up for ultimate repossession.
As the realty market decreases and also rate of interest approach, it’s more vital than ever before to come to be an educated customer. Find out the essentials of home mortgage loaning, so you’ll understand when you’re being billed excessive for a finance or for points you do not require. Search to see what’s readily available, and afterwards see to it you’re comfy with your financing repayment, due to the fact that you’ll be paying that quantity for several years.
Copyright © & duplicate; 2006 Jeanette J. Fisher

February 2006, the American Financial Services Association (AFSA), tested the judgment, competing that just the state has the power to pass regulation relating to home loan borrowing methods– although the AFSA went on document as opposing violent and also prejudiced loaning methods. The brand-new legislation was expected to take result the 2nd week in March, however home mortgage loan provider attorneys convinced a court to postpone the brand-new regulation, pending a hearing. Find out the fundamentals of home mortgage loaning, so you’ll recognize when you’re being billed as well a lot for a finance or for points you do not require.

The post Debt Help For Mortgage Financing appeared first on ROI Credit Builders.

New comment by editokes in "Ask HN: Who is hiring? (April 2020)"

Ai-Media | Full-time | Sydney | Permanent, Onsite | Data Engineer roles

Ai-Media (https://www.ai-media.tv/) is founded on the belief that every single person deserves equal access. We are doing it by providing high quality speech-to-text solutions for broadcast, government, education and corporate clients all around the world.

Data Quality Engineer: https://bit.ly/3elAmBh

Cloud Data Engineer: https://bit.ly/2V7U7EI

ATM the whole company is working from home.