Service Plan Software Organization strategy software application is something that commonly obtains ignored and also isn’t thought about to be a requirement somehow. In my point of view, organization strategy software program is vital, it is not a deluxe. I am a substantial supporter of service preparation. If, when individuals ask me they require a …
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For Nvidia, Arm represents a chance to boost its fast-growing business of selling chipsets to data centers, the massive networks of computers that power large companies and cloud computing networks.
The post Why Nvidia is spending $40 billion on Arm appeared first on WE TEACH MONEY LIFE SELF DEFENSE WITH FINANCIAL GOALS IN MIND.
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Location: Zurich, CH
Remote: Yes | No
Willing to relocate: Yes
Technologies: Python, Keras, Tensorflow, sklearn, spacy, scipy, Pytorch
Résumé/CV: available upon request
Linkedin: https://www.linkedin.com/in/elli-tzini-706762153/
Email:ellitz154@gmail.com
I am a ML Engineer with a focus on NLP and Computer Vision. I am currently building systems for automating decision making in the sector of behavioral sciences using NLP/NLU.
Foreign exchange is the biggest monetary market in the globe, it is reasonably strange surface to retail investors. Till the popularization of web trading a couple of years back, FX was largely the domain name of big banks, international companies and also deceptive bush funds. Times have actually altered, and also specific financiers are starving for info on this remarkable market.
What makes the loved one worth of Currency rise and fall?
There are 2 factors the loved one worth of a money changes. The initial is due to a ‘genuine’ market: as outdoors financiers or site visitors want to get points within a nation, they are compelled to transform their residential money right into the money of the nation they are getting within. As cash leaves the nation, individuals have to market their money for the international money they will certainly require to invest or spend abroad.
As capitalists really feel a provided money will certainly act highly or weakly, they will certainly get or offer appropriately. Throughout the East Asia Crisis in 1997, for instance, as countries in Asia started dealing with financial declines, speculators utilized money trading to understand substantial earnings and also in lots of experts’ sight aided to worsen the issue.
Advantages of Currency Trading
The volatility of the money market is very high, which suggests that an investor can produce massive return on an offered exchange. The proportion of volatility to spread is roughly 500:1 for the money trading market, as contrasted to 100:1 for also the most excellent of supplies.
Till lately, the money trading market was really shut to little financiers. It is challenging to miss out on the huge advantage of this ‘brand-new’ market for the specific capitalist: greater returns with reduced threat provided the very same quantity of market expertise have an extremely little disadvantage.
The very first is since of a ‘genuine’ market: as outdoors financiers or site visitors want to get points within a nation, they are required to transform their residential money right into the money of the nation they are purchasing within. As cash leaves the nation, individuals have to market their money for the international money they will certainly require to invest or spend abroad.
The proportion of volatility to spread is around 500:1 for the money trading market, as contrasted to 100:1 for also the most suitable of supplies.
Till lately, the money trading market was extremely shut to little financiers.
The post What Is Forex? Obtain Rich! appeared first on ROI Credit Builders.
PayPal Working Capital is a funding option offered through the PayPal online payment service. What do they offer? Are they a good option for you? Let’s find out.
If it is a good fit, PayPal Working Capital can help you run and grow your business. However, it isn’t right for everyone. The product is solid, but there are some major drawbacks that make it perfect for some, and not so much for others.
PayPal Working Capital has a physical address at:
2211 North First Street
San Jose, California 95131.
San Jose is the home of PayPal Working Capital’s corporate headquarters.
You can call them at: (888) 221-1161. Their contact page is here: https://www.paypal.com/us/selfhelp/home. They have been in business since 1998 but that is actually how long PayPal itself has been in business.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
PayPal offers flexible payments with a fixed fee and no credit check. The reason they can offer no credit check is that they use your PayPal business transactions as the basis for approval. The amount of your loan and fees are all dependent on the amount of you take in each year through PayPal. In addition, your loan is repaid as an automatic deduction of collections through PayPal, so as long as you are collecting money through PayPal, they will get their money.
The maximum loan amount can be up to 30% of annual PayPal sales, and no more than $97,000 for a first loan. The third loan can be up to $125,000. Your business can get funding in minutes and there is no early payment penalty.
You must have a PayPal Business or Premier account for 3 months or longer to qualify. You also have to process more than $20,000 in annual PayPal sales if you have a Premier PayPal account. A regular business PayPal account only requires $15,000 annually to be eligible.
Automatic repayments are deducted as a percentage of each PayPal sale. The fee is based on your business’s PayPal sales history, your loan amount, and the repayment percentage chosen. A higher payment percentage will lower the fee.
You can use their calculator tool to get an idea of what fees might look like with different repayment percentages. It can also help you get a feel for how everything works. You do have to pay a minimum amount over a 90-day period, which PayPal claims is easily met by most out of the daily sales percentage. However, if there were a 90-day period where you were not able to hit the minimum out of sales, you can log on and make a payment.
Keep in mind, you get to choose what percentage of sales is taken as repayment. The calculator will show you several options, but the larger the percentage the lower the fees. The website offers these examples:
For those with steady, reliable PayPal sales, this is a great option. Keep in mind however, the amount you are eligible to borrow will be limited by your PayPal sales amounts. If you make sales via other platforms, that revenue will not be included in the decisions making process.
One of the top reasons why business owners use PayPal Working Capital is that there is no credit check. If credit is an issue, it’s time to get to work so you can have more funding options. Credit isn’t the only thing you have to work on however. It is possible the complete fundability of your business needs work.
Fundability is the ability of your business to get funding. It is affected by many variables, only one of which is business credit. The better your fundability, the more funding options you will have.
What affects the fundability of your business? The answer isn’t hard, but it is kind of long. Sure, a great business credit score is important, but there are so many more pieces to the puzzle.
The key is, a potential creditor needs to see that your business is legitimate and profitable. Many loan applications are denied approval due to fraud concerns. Others, simply because something didn’t match up and threw up a red flag. Maybe the addresses or phone numbers didn’t match on a couple of reports and it just looks unprofessional. Business credit just isn’t the whole story.
If you understand what fundability is and how to get it, you can open up a world of funding options you never had before.
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
The foundation of fundability is in how your business is set up. It has to be set up to appear to be a fundable entity separate from you, the owner. How do you accomplish this? Well, like any foundation, it is best to start at the beginning. It will be faster and easier if you do. However, if your business is already up and running, then you may not have that option. That’s okay, it’s never too late to start, but start now. For several reasons, the longer you wait the harder it will be. Here is what it takes to build a fundable foundation.
The first step in setting up a foundation of fundability is to ensure your business has its own phone number, fax number, and address. That doesn’t mean you have to get a separate phone line, or even a separate location. You can still run your business from your home or on your computer.
You can get a business phone number and fax number easily that will work over the internet instead of phone lines. Also, the phone number will forward to any phone you want it too so you can simply use your personal cell phone or landline if you want. Whenever someone calls your business number it will ring straight to you.
The next thing you need to do is get an EIN for your business. This is an identifying number that works in a way similar to how your SSN works for you personally. You can get one for free from the IRS.
Incorporating your business as an LLC, S-corp, or corporation is necessary to fundability. It lends credence to your business as one that is legitimate. It also offers some protection from liability.
Which option you choose does not matter as much for fundability as it does for your budget and needs for liability protection. The best thing to do is talk to your attorney or a tax professional. What is going to happen is that you are going to lose the time in business that you have. When you incorporate, you become a new entity. You basically have to start over. You’ll also lose any positive payment history you may have accumulated, so the sooner you incorporate, the better.
You have to open a separate, dedicated business bank account. There are a few reasons for this. First, it will help you keep track of business finances. It will also help you keep them separate from personal finances for tax purposes.
However, there are also several types of funding you cannot get without a business bank account. Many lenders and credit cards want to see one with a minimum average balance. In addition, you cannot get a merchant account without a business account at a bank. That means, you cannot take credit card payments. Studies show consumers tend to spend more when they can pay by credit card.
Fundability also includes being a legitimate business. For a business to be legitimate it has to have all of the necessary licenses it needs to run. If it doesn’t, red flags will go up. Do the research you need to do to make sure you have all of the licenses necessary to legitimately run your business at the federal, state, and local levels.
A business website can affect your ability to get funding. These days, you do not exist if you do not have a website.
Spend the time and money necessary to ensure your website is professionally designed and works well. Pay for hosting also. Don’t use a free hosting service. Along these same lines, your business needs a dedicated business email address. Make sure it has the same URL as your Website. Don’t use a free service such as Yahoo or Gmail.
In addition to having a fundable foundation, you need these pieces to complete the fundability puzzle and have the complete picture.
Your business credit report also affects fundability. That is the credit report, much like your consumer credit report, that details the credit history of your business. It is a tool to help lenders determine how credit worthy your business is.
Where do business credit reports come from? There are a lot of different places, but the main ones are Dun & Bradstreet, Experian, Equifax, and FICO SBSS. Since you have no way of knowing which one your lender will choose, you need to make sure all of these reports are up to date and accurate.
In addition to the business credit reporting agencies that directly calculate and issue credit reports, there are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. These two agencies gather data from a variety of sources, including public records. This means they could even have access to information relating to automobile accidents and liens. While you may not be able to access or change the data the agencies have on your business, you can ensure that any new information they receive is positive. Enough positive information can help counteract any negative information from the past.
In addition to the EIN, there are identifying numbers that go along with your business credit reports. You need to be aware that these numbers exist. Some of them are simply assigned by the agency, like the Experian BIN. One, however, you have to apply to get. It is absolutely necessary that you do this.
Dun & Bradstreet is the largest and most commonly used business credit reporting agency. Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website.
Your credit history has everything to do with everything related to your credit score, which is a huge factor in the fundability of your business.
Your credit history consists of a number of things including:
Establish business credit fast with our research-backed guide to 12 business credit cards and lines.
The more accounts you have reporting on-time payments, the stronger your credit score will be.
On the surface, it seems obvious that all of your business information should be the same across the board everywhere you use it. However, when you start changing things up, like adding a business phone number and address or incorporating, you may find that some things slip through the cracks.
This is a problem because a ton of loan applications are turned down each year due to fraud concerns simply because things do not match up. Maybe your business licenses have your personal address but now you have a business address. You have to change it. Perhaps some of your credit accounts have a slightly different name or a different phone number listed than what is on your loan application. Do your insurances all have the correct information?
The key to this piece of the business fundability is to monitor your reports frequently.
This encompasses a broad spectrum of things. First, there is the obvious. Both your personal and business tax returns need to be in order. Not only that, but you need to be paying your taxes, both business and personal.
It is best to have an accounting professional prepare regular financial statements for your business. Having an accountant’s name on financial statements lends credence to the legitimacy of your business. If you cannot afford this monthly or quarterly, at least have professional statements prepared annually. Then, they are at the ready whenever you need to apply for a loan.
Often tax returns for the previous three years will suffice. Get a tax professional to prepare them. This is the bare minimum you will need. Other information lenders may ask for include check stubs and bank statements, among other things.
Bureaus
There are several other agencies that hold information related to your personal finances that you need to know about. Everyone knows about FICO. Your personal FICO score needs to be as strong as possible. It really can affect business fundability and almost all traditional lenders will look at personal credit in addition to business credit.
In addition to FICO reporting personal credit, you have ChexSystems. In the simplest terms, this keeps up with bad check activity and makes a difference when it comes to your bank score. If you have too many bad checks, you will not be able to open a bank account. That will cause serious fundability issues.
For this point, everything comes into play. Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record? How about liens or UCC filings? All of this can and will play into the fundability of your business.
Your personal credit score from Experian, Equifax, and Transunion all make a difference. You have to have your personal credit in order because it will definitely affect the fundability of your business. If it isn’t great right now, get to work on it. The number one way to get a strong personal credit score or improve a weak one is to make payments consistently on time.
Also, make sure you monitor your personal credit regularly to ensure mistakes are corrected and that there are no fraudulent accounts being reported.
So much plays into this that you may not even think about. First, consider the timing of the application. Is your business currently fundable? If not, do some work first to increase fundability. Next, ensure that your business name, business address, and ownership status are all verifiable. Lenders will check into it. Lastly, make sure you choose the right lending product for your business and your needs. Do you need a traditional loan or a line of credit? Would a working capital loan or expansion loan work best for your needs? Choosing the right product can make all the difference.
The more options you have, the better. If you do a ton of business on PayPal, then PayPal Working Capital is a completely legitimate option. However, regardless, it is best to ensure your overall fundability is in order so you can have as many funding options as possible.
The post PayPal Working Capital Review: Will It Work for You? appeared first on Credit Suite.
Hi myself Ansuman Samantaray. Full time penetration tester with experience of more than 10 years. Looking for active freelancing projects in cyber security. Please let me know.
ansuman.samantaray86@gmail.com
It’s no secret. Minorities suffer challenges that are unique to them. Certainly, one of those challenges is how hard it is to find business loans for minority business owners. So,how do you find loans for minority business owners?
To clarify, not all of these loans are loans only for minority business. Nonetheless, they all tend to work well for minority business owners.
These loans are open to all small business owners. However, if a minority business owner takes part in the SBA Business Development program, they increase their chance of getting this type of loan.
Honestly, about 80% of SBA loan applications from Hispanic and African Americans are for $150,000 or less. This is according to the SBA itself. Surprisingly, these smaller loans seem to be harder to get. Honestly, this is probably because lenders don’t make as much money from them.
In fact, in late 2018, the SBA got rid of the 2% fee for loans that are less $150,000 to help with this.
Keep your business protected with our professional business credit monitoring.
These are to meet the needs of small businesses in neglected markets. Of course, that includes minorities. The goal is to get local lenders to increase loans up to $250,000. It does this by backing up to 85% of the loan amount. It helps small business owners who might not be able to get traditional financing.
First, business loans for minority business owners go up to $50,000 through this program. Secondly, funds come from a third-party lender. Usually, these are community nonprofit organizations. Often, they offer management and technical assistance to business owners alongside the loan. These loans are available to all small business owners.
Accion offers loans in all states. Funds are available to the following:
Generally, loan amounts start at $200,000 and go up to $300,000. In addition, Accion can put owners in contact with others to help build a network of support.
Comparatively, the minimum credit score for these loans is 575. Also, you cannot be 30 days late on paying anything. Finally, you will not qualify if you have any late rent or mortgage payments over the past year.
This program from Union Bank offers business loans for minority business owners. Indeed, this one is specifically for minorities. In fact, to qualify, you must be Hispanic, American Indian, Latino, Asian, Alaskan Native, African American, Native Hawaiian, or other Pacific Islander.
Furthermore, a business that makes up to $20 million could qualify for a loan of $2.5 million. However, you must be in business for at least 2 years. Likewise, the minority business owner must own at least 51 percent.
This is a partnership between JP Morgan Chase and the Valley Economic Development Centers . It serves small businesses with minority owners that are in low income or medium income communities. However, only those in New York, Los Angeles, and Chicago are eligible.
Keep your business protected with our professional business credit monitoring.
Presently, The Business Center for New Americans offers minority business loans of $5,000 to $50,000. They work with immigrants, refugees, women, and other minority entrepreneurs. They work with minority business owners who have not been able to get traditional financing.
Camino Financial is an online lender. In like manner, they offer business loans for minority business owners. Conveniently, their entire application process is online. Microloans range from $5,000 to $50,000. In addition, they also offer small business loans between $10,000 to $400,000.
Chances are, you are going to need funding from more than one source. Of course, loans are the top option, with grants coming in a close second. Don’t underestimate angel investors and crowdfunding however, as they definitely have their place.
The thing is, funding isn’t just a one and done thing. You are going to need funding throughout the life of your business. As a result, you need to make sure you have access to the most and best possible funding options available. To do this, you must work on fundability.
Unlike many things in the world, the factors that affect fundability are the same for everyone. It doesn’t matter if you are a minority or not. What is fundability?
Fundability is the ability to get funding for your business. How does a business become fundable? What makes this answer complicated is that there is so much it must cover. Sure, a great business credit score is important. In addition, many of the aspects necessary for a strong business credit score are necessary for fundability as well. There is so much more though.
A potential creditor needs to see that your business is legit and profitable. Many loan applications are denied approval due to fraud concerns. Something as seemingly unimportant as an address that hasn’t been updated can cause a problem.
Still, it’s best to start at the beginning. Before you can build fundability at all, you have to have a foundation of fundability.
The foundation of fundability is in how your business is set up. It has to be set up to appear to be a fundable entity separate from you, the owner. How do you accomplish this? Well, like any foundation, it is best to start at the beginning. It will be faster and easier if you do. However, if your business is already up and running, then you may not have that option. That’s okay. It’s never too late to start, but start now. For several reasons, the longer you wait the harder it will be.
To have a fundable foundation you will need the following.
In addition to a fundable foundation, there are many other factors that can and will affect the fundability of your business.
These are much like your consumer credit reports. Except, they detail the credit history of your business. Chiefly, they help lenders determine how credit worthy your business is.
Basically, the main sources of business credit reports are Dun & Bradstreet, Experian, and Equifax. You have no way of knowing if your lender will choose to use one of these agencies, or another, less commonly used option. To that end, you need to make sure your reports with all the credit agencies are up to date and accurate.
Keep your business protected with our professional business credit monitoring.
In addition to those agencies that directly calculate and issue credit reports, there are other business data agencies that affect those reports indirectly. Two examples of this are LexisNexis and The Small Business Finance Exchange. They collect data from a variety of sources. These include public records. This means they could even have access to information relating to automobile accidents and liens. Honestly, you probably will not be able to access or change the data these agencies have on your business. Instead, you should focus on making sure new information they receive is positive. Enough positive information can help counteract any negative information from the past.
In addition to the EIN, there are identifying numbers that go along with your business credit reports. You need to be aware that these numbers exist. Some of them are simply assigned by the agency, like the Experian BIN. One, however, you have to apply to get. It is absolutely necessary that you do this.
Dun & Bradstreet is the largest and most commonly used business credit reporting agency. Every credit file in their database has a D-U-N-S number. To get a D-U-N-S number, you have to apply for one through the D&B website.
This is where the rubber meets the road when it comes to credit reports. Your business credit history has everything to do with everything related to your business credit score. That in turn, is a huge factor in the fundability of your business.
Your credit history consists of a number of things including:
The more accounts you have reporting on-time payments, the stronger your credit score will be.
On the surface, it seems obvious that all of your business information should be the same across the board. However, things slip through the cracks when you make changes. An address or name change can cause a problem if you don’t change it on everything.
A ton of loan applications are turned down each year due to fraud concerns simply because things do not match up. Maybe your business licenses have your personal address but now you have a business address. You have to change it. Some of your credit accounts could have a different name or phone number listed than what is on your loan application. Do your insurances all have the correct information?
The key to this piece of the business fundability is to monitor your reports frequently for mistakes and updates.
This encompasses a broad spectrum of things. First, there is the obvious. Both your personal and business tax returns need to be in order. Not only that, but you need to be paying your taxes, both business and personal.
It is best to have an accounting professional prepare regular financial statements for your business. Having an accountant’s name on financial statements lends credence to the legitimacy of your business. Have professional statements prepared at least annually.
Often tax returns for the previous three years will suffice. Get a tax professional to prepare them. Remember, this is the bare minimum you will need. Other information lenders may ask for include check stubs and bank statements, among other things.
There are many other agencies that hold information related to your personal finances. You need to know about them as well. Everyone knows about FICO. Your personal FICO score needs to be as strong as possible. Most traditional lenders will look at both personal and business credit.
In addition to FICO reporting personal credit, you have ChexSystems. In the simplest terms, this keeps up with bad check activity. And it makes a difference when it comes to your bank score. If you have too many bad checks, you will not be able to open a bank account. In turn, that will cause serious fundability issues.
For this point, everything comes into play. Have you ever been convicted of a crime? Do you have a bankruptcy or short sell on your record? All of this can and will play into the fundability of your business.
Your personal credit score from Experian, Equifax, and Transunion all make a difference. You need good personal credit. Certainly, it will affect the fundability of your business. In fact, now is the time to work on it. Don’t wait. The number one way to get a strong personal credit score, or improve a weak one, is the same. It’s to make payments regularly on time.
Also, make sure you keep an eye on things. Correct mistakes. Make sure there are no fraudulent accounts. Just keep a general eye on things.
Finally, even the application process can affect fundability. First, consider the timing of the application. Is your business currently fundable? Next, make sure your business name, business address, and ownership status are all verifiable. Lenders will check. Lastly, make sure you choose the right loan. Do you need a traditional loan or a line of credit? Would a working capital loan or expansion loan work best for your needs? Choosing the right product to apply for is important.
There are some specific business loans for minority business owners available. Nevertheless, the better option is to build fundability to increase your chances of approval for all funding options. Obviously, the more fundable your business is, the better. Look for minority loans. Simultaneously, work on a fundable foundation. Then, keep working. If your business is fundable, it can get the funding it needs to thrive and grow into the future.
The post Top Business Loans for Minority Business Owners appeared first on Credit Suite.
SEEKING WORK
Location: Israel/Europe Time
Remote: Yes
Willing to relocate: Not right now
Technologies: .Net, C#, Asp.Net (& .Net Core), Angular 1/2, Knockout, VueJS, NodeJS, php, Mysql, Postgres, Redis.
Resume: http://ioni.solarz.me/cv_js.pdf
Website: http://ioni.solarz.me
Email: ioni@solarz.me
Linkedin: https://www.linkedin.com/in/ionisolarz/
I’m a full-stack developer with 15+ years of experience in the field, having strong business development and leadership skills. I’m product-oriented with lots of experience managing a project from concept and design through completion.
Article URL: https://angel.co/company/sunsama/jobs/712765-sr-full-stack-engineer-react-react-native Comments URL: https://news.ycombinator.com/item?id=22231972 Points: 1 # Comments: 0
The post Sunsama is hiring a full stack (RN) engineer (Remote) appeared first on Buy It At A Bargain – Deals And Reviews.
Location: San Francisco Bay Area, CA, USA
Remote: Yes
Willing to relocate: Yes, have US and EU citizenship
Technologies: Unity Engine, Unreal Engine, .NET, Node.js, C#, Kotlin, Go, Java, C, C++, Python, Flask, Ruby on Rails, JavaScript, TypeScript, Angular, Bootstrap, Lisp, Clojure, MATLAB, Perl, SASS, CSS, LESS, SQL, PHP, x86, ARM, Lua, Haskell, OCaml, Rust, Swift, Objective-C
Résumé/CV: https://drive.google.com/open?id=1wEqLaQ_ojkboWUcAzyA_POBvV8…
Email: jj_reibel@aol.com
Programmer and artist for over 30 years, full stack and mobile dev experience
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