Day: November 6, 2020

Philadelphia's Antireligious Cruelty

City officials pushed Catholics out of foster parenting to punish them for their faith.

America Chooses Divided Government

The voters appear to have narrowly rejected Trump, but that doesn’t mean they want progressive policies.

How to Choose The Right Marketing Automation Agency

If you visit the websites of Salesforce, Marketo, HubSpot other top marketing automation tools, what would you see? 

Lofty promises to grow revenue, get more leads, and make your prospects happier.

I wish it was that simple.

These tools have a ton of power but no one gets that benefit right after they sign up. It takes a ton of work to set up and manage these tools correctly.

Having the right agency to help you wield that power to set up a lead generation machine for your business. 

Choosing the right marketing automation agency partner will save you a ton of time and get you a lot more leads.

That’s exactly what I’ll walk you through in this article.

So how do you know if a marketing automation agency is a good idea?

Know Your Goals & Desired Outcomes

One of the best ways to avoid marketing automation failures is to plan ahead of time. 

What do you want to achieve with marketing automation? 

By setting a good goal, you’ll have a much easier time picking the right agency. And they’ll be more successful.

Let’s explore some examples. 

Example #1: Get the right content to the right people

Imagine for a moment that you visit the pricing page of a software product after clicking through from a content piece sent to you via email. 

Five minutes in, you’re scrolling through the various pricing tiers, not sure what plan to purchase. 

Still confused and undecided, you decide to take your leave. But just when you wanted to exit the page, a pop-up covers the pricing page. 

It has a message that reads: 

“Don’t know which plan to choose? Read our FREE guide on what each plan gets you.” 

You go ahead and open the guide, read it, and finally decide on what plan to choose. However, other events take your time and you forget to complete your purchase at that time. 

The next day, you receive an email notification from that company. It reads: 

“Hey [insert your name], ready to choose a plan now? See how [a competitor in your same industry] used our tool to increase sales by 31%.”

You loved what you read, and go on to finally make that purchase. 

That’s an example of marketing automation using great content to pull people down the funnel instead of pushing them.

At each step, the exact right content hits the prospect at the exact right time. And it happens automatically without anyone of your team triggering it.

Setting up campaigns like this can have a dramatic impact on moving prospects down your funnel.

Example #2: Keeping your data clean for consistent follow-up

Let’s say your business keeps growing.

Now you’re getting leads from everywhere. Phone calls, email, demo request forms, social media, events, partners, it goes on and on.

Even worse, leads from the same company start coming in on different places.

Without the right tool and data management, different sales reps will follow up with different people. That’s a recipe for losing a deal unless your team stays coordinated.

The right marketing automation tool with the right setup will help you maintain control. It’s the only way to keep your close rates high.

But even when you know what you’re after, you’ll still find dozens of agencies vying for your business. 

So, what characteristics should you look out for when choosing one?

6 Characteristics That Make a Great Marketing Automation Agency

1. Do they have an area of specialization?

Exceptional marketing automation agencies usually have an area of expertise.

As you saw in the second example above, some only partner with companies to install, implement, or optimize automation on Marketo Cloud, Salesforce, and others. 

Others can hack different tech stacks together for companies on a budget. 

You’ll also find some specializing in training and working closely with in-house marketing teams to achieve set marketing automation goals.  

Who you choose to work with depends on your needs, so an essential characteristic to look out for is whether the agency specializes in that area. 

For instance, at Neil Patel Digital, content marketing drives our automation programs. 

We start by getting the engaging content to the right people at the right time.

2. Do they have in-house, diversified experts?

Marketing automation requires a ton of different skills in order to do right.

At the very least, you’ll need:

  • Deep experience with the tools themselves
  • Lead generation
  • Copywriting
  • Content marketing
  • Specific channel expertise (social, events, paid, SEO, etc)
  • Sales operations knowledge for smooth handoffs
  • Funnel design
  • Lead nurturing 

And that’s just the beginning. Whoever you’re working with, make sure they have strong enough skills in all these areas.

3. Do they offer relevant, related services?

Marketing automation isn’t a growth silver bullet. 

It makes a huge impact when it plugs seamlessly into all your other marketing channels and campaigns.

If you really need serious results from your marketing automation, I’d look at agencies that have deep experience beyond marketing automation itself.

Take my agency, Neil Patel Digital, for instance. 

Although we help clients with marketing automation, we offer related services like programmatic marketing, data analytics, and others. In addition to the core marketing services you’d expect from a top-tier online marketing agency.

Why is this helpful?

Getting your entire funnel and brand to work consistently across every touchpoint has massive leverage.

4. Do they have clients’ portfolio(s)?

This one needs no explanation. 

All experienced marketing automation agencies have a host of past and existing clients in their portfolio. 

Look for similar clients to yourself in order to decide whether the agency is a good fit.

5. Do they have real customer testimonials?

How past clients feel about working with a marketing automation agency is an essential characteristic to look for before you partner with one. 

And you’ll find this in their customer testimonials. 

Just by going through the testimonials and case studies on an agency’s site, you can tell if they’re worth the fee.

6. Do they have a great company culture?

Most companies omit this characteristic when ticking the criteria for choosing an agency of any kind. 

You shouldn’t!

It is important that you work with an agency whose company culture aligns with your business values, as most marketing automation partnerships are usually long-term.

This ensures that the marketing automation systems, funnels, and campaigns will align with the way you do business. Then you won’t have to rip everything out later.

When marketing agency projects truly fail, it’s usually a culture mismatch with the client.

How to work with a Marketing Automation Company 

Let’s look at the steps you can take to ensure a smooth working relationship with any agency you choose. 

1. Filling an inquiry form

Filling an inquiry form is usually the first step towards showing your interest to work with a marketing automation agency. 

It’s usually really easy to find on the agency’s website.

2. Prepare for a discovery call

Expect the discovery call to be much more detailed than calls for other marketing projects.

Marketing automation serves as the backbone to your lead funnel. It touches every campaign, multiple divisions in your company, and isn’t easy to see form the outside.

So any good marketing automation agency will want to spend a lot of time here to understand where you’re currently at.

Only then will they have any chance at helping you get to your future goals.

3. Expect unique, strategic recommendations

Excellent marketing automation companies take what you told them when filling their inquiry form and over the discovery call as the foundation for conducting further research. 

The goal of this research is usually to gain more clarity about your needs and to make strategic marketing automation recommendations unique to your needs. 

Most companies would send these recommendations via email or hop on another call to discuss it over with you. 

4. A proposal or work contract 

Followed by the unique, strategic MA recommendations you should expect in the process of partnering with an agency is a proposal or contract. 

This document outlines and details what your company would get working with them. It also states the cost implications and other requirements for working together. 

5. Official client onboarding

A lot of mutual understanding is needed to ensure you get the most out of a working relationship with a marketing automation agency. 

You may need to invest in tech stacks, re-examine your business and marketing strategy, or retrain your staff. 

To ensure both parties are aligned on the job to be done and the responsibilities each party must perform to ensure everything works out well, prepare your team for an official client onboarding. 

What You Get From a Great Right Marketing Automation Agency

When you choose a marketing automation agency, you’ll:

  • Align your marketing processes with your marketing strategy 
  • Pick the right marketing tech stack 
  • Generate more leads and move leads down your funnel more efficiently
  • Have the data you need to optimize your funnel for better conversions 

The 5 Best Marketing Automation Companies

We reviewed and profiled the top marketing automation companies based on their areas of specialization. 

#1 Neil Patel Digital – Best for Content Marketing Automation

A core goal of marketing automation is to deliver the right content to the right people just when they need it, whether that is on social media or email sequence.

Irrespective of your MA set up, content is the foundation for so many parts of your funnel. At every stage, buyers are looking for helpful content in order to make better decisions.

Not only must you create excellent content, you also need to deliver the right content to the right person at the right time.. 

For my team at Neil Patel Digital, that’s our specialty: 

As you know, I practice what I preach. 

I’ve built and managed enormous content machines for countless businesses over the years. And the majority of them have been automated. My team and I know exactly how to get the most out of every piece of content for every step of a funnel.

AYou can talk to my team about content marketing automation here

#2 LeadMD – Best for Tech Stack Integration

For marketing automation to free you and your team from mundane tasks, you must integrate the right tech stack.  

And this is one area LeadMD comes highly recommended due to their expertise of setting up complicated marketing infrastructure and aligning it to your strategy, 

LeadMD is one of the most reputable marketing automation companies. And their integration expertise has earned clients like IBM and eBay.

#3 CS2 Marketing – Best for Marketing Data Operations

Cs2 Marketing earns its place on our top list of marketing automation because of its experience, leveraging the power of data to power essential automated marketing campaigns.

And dozens of the top tech brands trust CS2 Marketing for its expertise, using data operations to drive automated marketing processes and business.

CS2 Marketing has generated more than $1 billion in pipeline revenue for its clients.

#4 Bluewolf – Best for Salesforce Automation

Bluewolf is our recommended marketing automation agency for marketing automation on Salesforce:

Marketing automation isn’t just about your MA tool, everything has to work perfectly with your CRM. You’ll need experts that know how to integrate the two. 

Bluewolf’s clients include T-Mobile, IBM, Autodesk, and others.

#5 Perkuto – Best for Marketo Automation

Perkuto is the leading agency for Marketo. If you need to get ultra fancy with your Marketo implementation, reach out to them.

Perkuto’s team of over 50 automation strategists, marketers, and hardcore engineers help companies make the most of their Marketo implementation.

Reach out to specialists like Perkuto if:

  • You have an extremely complicated funnel to implement
  • Internal teams or agencies have botched a previous install that you need to untangle
  • Other agencies have previously failed at wrangling your funnels

What’s most important when choosing a marketing automation agency?

It depends on your needs.

Do you need help implementing or optimizing your marketing automation tech stack?

Choose an agency with experience in working with your tech stack of choice. 

Do you have challenges making sense of your marketing touchpoints?

Then go with a marketing automation agency specializing in data operations.  

Do you want to get the absolute best ROI from every dollar invested into marketing automation?

Then work with an agency that has deep experience across marketing channels, knows how to get the entire marketing funnel working together, and will use marketing automation to accelerate the marketing KPIs for your entire company.

The post How to Choose The Right Marketing Automation Agency appeared first on Neil Patel.

Top 25 Mystery Book Podcasts You Must Follow in 2020

Top 25 Mystery Book Podcasts Contents [show] ⋅About this list & ranking Mystery Book Podcasts Phoebe Reads a Mystery It’s a Mystery Podcast Classic Mysteries Tales of Mystery Unexplained Shedunnit Read or Dead Murder Book Ellery Queen’s Mystery Magazine’s Fiction Podcast Speaking of Mysteries Mystery Books Podcast The Mysterious Island by Jules Verne Mary Louise Solves a […]

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Top 10 Tequila Podcasts You Must Follow in 2020

Top 10 Tequila Podcasts Contents [show] ⋅About this list & ranking Tequila Podcasts Tequila Aficionado The Tequila Tester The Agave Social Club Agave Road Trip Elixir of the Gods Hey Hey Agave Tequila Talks Tequila Or Wine with Thumbs and Andy Three Tier Agave lessons from A to Z Submit Blog Do you want more traffic, leads, […]

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The Truth about Unsecured Business Loans in a Recession

The novel coronavirus has upended our economy. We’re already a recession. If you’ve got less than stellar credit, then you may feel you must put up collateral. But that’s not necessarily so. Here’s the truth about unsecured business loans in a recession.

Get the Truth about Unsecured Business Loans in a Recession

Unsecured business loans in a recession can save you. Here’s the skinny on this little-known form of funding.

Bad credit does not have to be a dead weight around your company’s proverbial neck. However, it does make it more challenging to obtain a small business loan. For a brand-new small business in particular, your company credit will be poor as a matter of course.

This is because you just will not have the sort of history and seasoning which can make your commercial credit score rise. And, then, make lending institutions want to lend your business funds).

Hence, lenders are not going to be too thrilled about offering your business a business loan. This is because they genuinely have no clue if your small business will be able to repay the loan. But you are still, with good reason wondering how to fund a small business with poor credit.

Unsecured Business Loans in a Recession: UCC Blanket Liens

As a result of this, lenders will typically obtain a UCC blanket lien in case they do give your company a loan. A UCC blanket lien is a notification which goes on your credit report. It says that the lender has an interest in all of your company’s assets until you repay the loan completely. Thus, there could be unfortunate consequences if you need to default.

Plus, most of these loans will also entail personal guarantees.

But That’s Different! What are Unsecured Business Loans in a Recession? Our Credit Line Hybrid is a Superb Choice!

Check out our credit line hybrid. It’s available for all business owners. Get the benefit of 0% rates cards offer, and the cash out capability of a credit line. Get approvals to $150,000. Pay 0% rates for 6 – 18 months, with normal card rates afterwards. No documentation, no tax returns or bank statements are necessary. This program is ideal for startups, high-risk industries, and those who desire low payments. It also works if you don’t want to supply financials.

Our credit line hybrid is a superb choice during this time of economic uncertainty.

With this form of business financing, you work with a lender who concentrates on securing business credit cards. This is a very unusual, very few know about program which few lending sources offer. They can in most cases get you three to five times the approvals that you can get on your own.

This is because they are familiar with the sources to apply for, the order to apply, and can time their applications so the card issuers won’t decline you for the other card inquiries. Individual approvals frequently range from $2,000 – 50,000.

The end result of their services is that you frequently get up to five cards that simulate the credit limits of your highest limit accounts now. Multiple cards create competition, and this means they will raise your limits, generally within 6 months or less of first approval.


Approvals can go up to $150,000 per entity such as a corporation. They actually get you three to five business credit cards that report solely to the business credit reporting agencies. This is huge, something most lenders don’t offer or advertise. Not only will you get cash, but you build your business credit as well so in three to four months, you can then use your new company credit to get even more money.


You get credit with no security, assets, or collateral. Lender has no collateral to collect in case of default. Because there is no collateral, and they don’t look or care about your cash flow, the only thing that matters is your personal credit.

With a 650 you will get just personal cards. But with a 680 credit score, you will get both company and personal cards.


The lender can also get you low introductory rates, usually 0% for 6-18 months. You’ll then pay normal rates after that, typically 5-21% APR with 20-25% APR for cash advances. And they’ll also get you the best cards for points. So this means you get the best rewards.

Like with anything, there are substantial benefits in working with a source who specializes in this area. The results will be far better than if you try to go at it on your own.

Unsecured Business Loans in a Recession: The Alternative: Building Business Credit

Not enough time in business? Or do you not have enough revenue? Then it’s time to start business credit building.

Every Business Needs Small Business Credit Establishing

Small business credit is credit in a company’s name. It doesn’t connect to an owner’s individual credit, not even if the owner is a sole proprietor and the solitary employee of the business.

Accordingly, an entrepreneur’s business and consumer credit scores can be very different.

The Benefits

Given that business credit is distinct from individual, it helps to safeguard a business owner’s personal assets, in the event of legal action or business insolvency.

Also, with two distinct credit scores, a small business owner can get two separate cards from the same vendor. This effectively doubles buying power.

Another advantage is that even start-ups can do this. Going to a bank for a business loan can be a formula for frustration. But building small business credit, when done correctly, is a plan for success.

Consumer credit scores are dependent on payments but also various other components like credit use percentages.

But for business credit, the scores actually merely hinge on whether a small business pays its debts on a timely basis.

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!

The Process

Establishing small business credit is a process, and it does not occur without effort. A company will need to actively work to develop business credit.

Nevertheless, it can be done readily and quickly, and it is much more rapid than building consumer credit scores.

Merchants are a big part of this process.

Undertaking the steps out of order will lead to repetitive denials. No one 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.

Company Fundability

A company has to be fundable to credit issuers and merchants.

For this reason, a business will need a professional-looking website and email address. And it needs to have website hosting bought from a company like GoDaddy.

And also, business telephone and fax numbers must have a listing on

Likewise, the business telephone number should be toll-free (800 exchange or similar).

A company will also need a bank account dedicated strictly to it, and it must have all of the licenses necessary for running.


These licenses all must be in the particular, accurate name of the small business. And they need to have the same business address and telephone numbers.

So keep in mind, that this means not just state licenses, but possibly also city licenses.Unsecured Business Loans in a Recession Credit Suite

Dealing with the IRS

Visit the IRS web site and acquire an EIN for the company. They’re free of charge. Choose a business entity such as corporation, LLC, etc.

A company can get started as a sole proprietor. But they will more than likely want to switch to a variety of corporation or an LLC.

This is in order to decrease risk. And it will maximize tax benefits.

A business entity will matter when it comes to taxes and liability in the event of litigation. A sole proprietorship means the business owner is it when it comes to liability and taxes. No one else is responsible.

Sole Proprietors Take Note

If you operate a company as a sole proprietor, then at the very 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 small business name. Consequently, you can wind up being personally liable for all small business debts.

In addition, according to the IRS, by having this structure there is a 1 in 7 chance of an IRS audit. There is a 1 in 50 probability for corporations! Steer clear of confusion and significantly decrease the odds of an IRS audit at the same time.

Beginning the Business Credit Reporting Process

Start at the D&B website and get a cost-free D-U-N-S number. A D-U-N-S number is how D&B gets a small business into 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 sites for the small business. You can do this at 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.

By doing so, Experian and Equifax will have something to report on.

Vendor Credit

First you need to establish trade lines that report. This is also called 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 kinds of accounts tend 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 generally Net 30, rather than revolving.

Therefore, if you get an approval for $1,000 in vendor credit and use all of it, you will need to pay that money back in a set term, such as 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 have to be paid fully within 60 days. In contrast to 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 start your business credit profile the proper way, you ought to 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 pay back what you used, and the account is on report to Dun & Bradstreet, Experian, or Equifax.

Vendor Credit – It Makes Sense

Not every vendor can help like true starter credit can. These are vendors that will grant an approval with a minimum of 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.

Accounts That Do Not Report

Non-Reporting Trade Accounts can also be helpful. While you do want trade accounts to report to at the very least one of the CRAs, a trade account which does not report can yet be of some worth.

You can always ask non-reporting accounts for trade references. Additionally credit accounts of any sort will help you to better even out business expenditures, consequently making financial planning less complicated. These are companies like PayPal Credit, T-Mobile, and Best Buy.

Retail Credit

Once there are 3 or more vendor trade accounts reporting to at least one of the CRAs, then move to retail credit. These are service providers 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.

Fleet Credit

Are there more accounts reporting? Then move onto fleet credit. These are businesses like BP and Conoco. Use this credit to buy fuel, and to repair and maintain vehicles. Just use your SSN and date of birth on these applications for verification purposes. For credit checks and guarantees, make certain to apply using the business’s EIN.

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!

Cash Credit

Have you been sensibly handling the credit you’ve up to this point? Then move to 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.

One example is the Fuelman MasterCard. They report to D&B and Equifax Business. They need to see a PAYDEX Score of 78 or better. And they also want you to have 10 trade lines reporting on your D&B report.

These are commonly MasterCard credit cards. If you have more trade accounts reporting, then these are doable.

Monitor Your Business Credit

Know what is happening with your credit. Make sure it is being reported and address any inaccuracies ASAP. Get in the habit of checking credit reports. Dig into the particulars, not just the scores.

We can help you monitor business credit at Experian and D&B for 90% less than it would cost you at the CRAs.

At Equifax, you can monitor your account at:

Update Your Record

Update the info if there are errors or the info is incomplete. At D&B, you can do this at: For Experian, go here: And for Equifax, go here:

Fix Your Business Credit

So, what’s all this monitoring for? It’s to challenge any problems in your records. Mistakes in your credit report(s) can be corrected. But the CRAs usually want you to dispute in a particular way.

Get your company’s PAYDEX report at: Get your company’s Experian report at: And get your Equifax business credit report at:


Disputing credit report inaccuracies normally means you send a paper letter with copies of any proof of payment with it. These are documents like receipts and cancelled checks. Never send the originals. Always send copies and keep the originals.

Fixing credit report errors also means you precisely spell out any charges you contest. Make your dispute letter as clear as possible. Be specific about the problems with your report. Use certified mail so that you will have proof that you sent in your dispute.

Dispute your or your business’s Equifax report by following the instructions here:

You can dispute inaccuracies on your or your business’s Experian report by following the instructions here:

And D&B’s PAYDEX Customer Service contact number is here:

A Word about Building Business Credit

Always use credit responsibly! Don’t borrow beyond what you can pay off. Track balances and deadlines for repayments. Paying off in a timely manner and in full will do more to elevate business credit scores than pretty much anything else.

Growing small business credit pays off. Great business credit scores help a business get loans. Your loan provider knows the company can pay its financial obligations. They know the business is for real.

The small business’s EIN links to high scores and credit issuers won’t feel the need to request a personal guarantee.

Business credit is an asset which can help your company for many years to come. Learn more here and get started toward growing business credit.

Unsecured Business Loans in a Recession: Takeaways

For each of these alternatives, you will definitely have a preferable rate of interest  if your credit score is better than poor. And you will most likely have more options, so you can shop around and compare plans.

If your business can stand by until your credit– either company or personal or both– improves, then your alternatives will significantly improve, too. In the meantime, unsecured business loans in a recession can help. Use this pause in our lives to improve your credit. Because the COVID-19 situation will not last forever.

The post The Truth about Unsecured Business Loans in a Recession appeared first on Credit Suite.

New comment by Bipasha in "Ask HN: Who is hiring? (November 2020)"

Software Engineering- Mentor | Bangalore | ONSITE | Full-time employment | 75 paid vacations days | INR100K learning & travel allowance | Competitive compensation | Apply at If you’ve ever thought of sharing your programming skills, we want you. MountBlue Technologies ( is looking for great software engineers to mentor the next generation of …

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Tenaris stock price target raised to $20 from $16 at Cowen

This is a Real-time headline. These are breaking news, delivered the minute it happens, delivered ticker-tape style. Visit or the quote page for more information about this breaking news.

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New comment by peeyush_goyal in "Ask HN: Who is hiring? (November 2020)"

Salarybox | New Delhi, India | Onsite | Full time | Sr Backend Engineer

At Salarybox, we are helping 170M+ blue-collar workers avail Salary Advance & other financial services. The founders are financial industry & tech startup veterans; having worked at several Fintech & Enterprise SaaS startups, including YC backed startups after studying at IIT Roorkee & Carnegie Mellon.

We are looking for Senior Backend Engineers with at least 3 years experience. You will be an integral part of building the backend architecture and developing core systems as our first backend hire. Furthermore, you’ll get a front-row seat to the entire startup ecosystem – ranging from fundraising to partnerships to exit strategies.

Looking for experts in Python / Node.js; experience with databases (MongoDB, Redis etc.); good understanding of platforms (Docker, Google Cloud, Azure etc.) & a basic understanding of Dev Ops.

If you are interested in working with us, send your resume to peeyush [at] salarybox [dot] in.

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Saudi Arabia confirms F1 night race for 2021

Saudi Arabia will host a Formula One Grand Prix in November next year after confirmation of plans to hold a night race on the streets of Jeddah.

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