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Sunday, June 23, 2013

Creditera prevents bad credit from blockading small business ...

Creditera has raised $1 million to help business owners stay on top of their credit.

Bad credit creates a serious disadvantage for businesses, particularly if they are seeking money to grow. Creditera?s goal is to make this as easy and transparent as possible so business owners can focus on more important things.

The company provides business owners with access to personal and business credit reports, scores, and ongoing credit alerts. While there are many services that offer either personal or business credit monitoring, Creditera consolidates the two to present a more holistic view. Business owners can monitor both sides of credit data through a single account and share it with partners.

?Small businesses are the lifeblood of the US economy, and credit is the lifeblood of any business,? founder and CEO Levi King told VentureBeat. ?We?re credit activist nerds on a mission to protect and educate business owners on personal and business credit so that they can lower costs, increase revenues, hire more people, better serve their customers, and pretty much kick ass.?

Creditera is King?s sixth business. For the first four, he repeatedly used his personal and business credit to grow his business and experienced how challenging it was to stay on top of it all. His fifth business,?Lendio,?matched small business owners to the best loan for them. He said he saw hundreds of thousands of loan approvals and denials, and personal and business credit were key influencers in the success or failure in each case.

He left Lendio at the end of 2012 to start Creditera. According to King, it is the first company to provide business owners with a single sign-on to access their personal and business credit information, as well as a side-by-side viewing experience. The company launched in beta in January 2013 and became cash flow positive in March 2013. It also partnered with large credit report provider Experian and is working on other partnerships to expand its credit data sets.

Right now it costs $30 a month for consumers, $80 a month for businesses, and $100 a month for consumer and business. Users get unlimited access to Experian credit reports and scores, email and/or SMS alerts, $1 million in identity theft insurance, and identity recovery services.

Kickstart Seed Fund led this round ? a fund that focuses its investments in Utah and the ?Mountain West.? Creditera is based in Utah and currently has 11 employees.

Photo Credit: Rich_Lem/Flickr

Source: http://venturebeat.com/2013/06/21/creditera-prevents-bad-credit-from-blockading-small-business-exclusive/

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UK Ministry of Defence's UFO department was disbanded three years ago, had 'no defense purpose'

National Archive documents recently released show that the UK government's very own UFO department, which had reported on sightings for over 50 years, was shut down three years ago. The department apparently never revealed any "potential threats" to the country, so the Ministry of Defence closed both the hotline and email address that fielded the public's sightings of UFOs. A civil servant briefed the current defence minister, Bob Ainsworth, saying: "The level of resources diverted to this task is increasing in response to a recent upsurge in reported sightings, diverting staff from more valuable defence-related activities." The recently released files also covered some of the sightings reported from across the UK in 2009, which included, perhaps unsurprisingly, Stonehenge.

Filed under: Science, Alt

Comments

Source: BBC, Phys.org

Source: http://www.engadget.com/2013/06/21/uk-ministry-of-defences-ufo-department-was-disbanded-three-year/?utm_medium=feed&utm_source=Feed_Classic&utm_campaign=Engadget

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Saturday, June 22, 2013

Alicia Fox presents: The Do's and Don'ts of a first date

So you?ve got a first date with that cute lady you?ve been crushing on the last few weeks ? but you can?t figure out what to wear for your big night out. What to do?

Have no fear, Alicia Fox is here. The same Diva who taught you the pratfalls of online dating is back with another classic how-to from WWE Magazine with all the first-date dressing tips you?ll need, with a little Long Island Iced-Z to boot. First, we?ll start with the don?ts. Take it away, Alicia and Zack!

JUST TAKE CARE ? : ?Scruffy hair is OK, but the fresh-out-of-bed look is just plain lazy. If you?re not going to put any effort into your hair, you might as well shave your head bald. At least it would look cleaner.?

LOOK THE PART, BE THE PART: ?Dating attire is definitely ?dress to impress,? and hoodies are too casual. You don?t have to wear a blazer ? though that look is totally hot ? but aim higher.?

T-SHIRT TIME: ?Loud, graphic T-shirts like this are supertrendy? and right now, the trend is out. I would never recommend wearing this, unless you?re going to the gym. This is not a date shirt.?

SHOW ME WHAT YOU GOT: ?Wearing an oversized T-shirt with oversized pants throws your outfit?s proportions off. Rock what you got! If you have a great body, like Zack, show it off by wearing something a little tighter.?

IN THE ?MONEY: ?I won?t lie. The wallet chain isn?t terrible, but it brings me back to the ?90s ? and I don?t want to go there ever again. The right accessory is key, and this isn?t it.?

SOMEBODY CALL MY MOMMA: ?Baggy jeans make me want to whip out the Mom card and shout, ?Pull your pants up, boy!? Don?t make me act like your mother. Neither of us will enjoy it.?

SHOE-IN FOR DISASTER: ?Running sneakers are never OK to wear on a first date ? unless you?re taking me to a skate park or sporting event, which, for the record, is also unacceptable.?

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Source: http://www.wwe.com/inside/wwe-divas/alicia-fox-first-date-guide

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Flatbush Zombies Review 'World War Z'

By Mike Brilliant With today's release of "World War Z," there are many outlets reviewing the film. So where do you go to get the most honest opinion? The team from NextMovie met up with hip-hop group Flatbush Zombies and put them on the spot for their latest episode of Rappers Review Movies. The group [...]

Source: http://moviesblog.mtv.com/2013/06/21/world-war-z-review-flatbush-zombies/

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Supreme Court 2013: The Year in Review

Nero was the first Roman emperor to marry a man.

Courtesy of Library of Congress

I agree that the Supreme Court?s opinions tend to be too long. The padding often muffles the meaning, and I also think it?s one reason journalists sometimes screw up in the instant of first reporting a major decision (as some infamously did when the Obamacare ruling came down last year, and after Bush v. Gore). Another reason the opinions lend themselves to error on a quick read: They don?t have clear headlines. Would it really kill the court to say at the top of the very first page: Hey, there are two parts to this ruling. The first part was decided 5?4. Here?s the breakdown of justices, and here?s what the majority said. The second part was 7?2, and ditto. On the other hand, maybe I?m arguing against my own interest here, since the current, more confusing, setup helps me justify my three years of law school. (Watch me blow it next week!)

Walter, you took us back to the 1996 passage of the Defense of Marriage Act, saying that at the time, no one thought it was conceivable that the Supreme Court would declare it unconstitutional. Maybe, but a few well-placed and prescient people argued from the start that the court should do so. In the summer of 1996, two months DOMA before was enacted, then-Gov. William Weld of Massachusetts (a Republican) said he thought the law would fall because ?I am a proponent of the U.S. Constitution, which guarantees full faith and credit to a judicial or juridical act of another state." A couple of members of Congress cited DOMA?s unconstitutionality in refusing to vote for it. Here?s the beginning of a Boston Globe article from September 1996: ?The bill passed by Congress limiting the recognition of same-sex marriages is sure to be signed into law by President Clinton, but whether it survives challenges in the courts is an open question, legal scholars say. ?There's no doubt at all the constitutionality will be in question,? said Laurence H. Tribe, professor of constitutional law at Harvard Law School.? And here is Larry Kramer, future dean of Stanford law school, in the Yale Law Journal in May 1997: ?DOMA is unconstitutional.?

During argument in one of the gay-marriage cases, Justice Antonin Scalia pressed Ted Olson, one of the lawyers challenging California?s same-sex marriage ban, on ?when did it become unconstitutional to exclude homosexual couples from marriage?? Olson asked back, ?When did it become unconstitutional to prohibit interracial marriages?? and then said, ?There?s no specific date in time. This is an evolutionary cycle.? Scalia?s point, of course, is that the men who wrote the Constitution had no earthly intention of recognizing a right to an institution they wouldn?t have imagined. Since most of the justices aren?t originalists, I don?t think that?s a winning argument, though I?m expecting to hear it loud and clear from Scalia in dissent. I?m interested, though, that when the Volokh Conspiracy polled its readers on Scalia?s timing question, 24 percent said the Constitution ?began to require states to recognize same-sex marriage before or during the 1700s??during the founding era?and 29 percent dated the beginning to the 1800s, which tracks to the 14^th Amendment?s guarantee of equal protection under the law in 1868. Added together, that?s more than half of the readers who responded.

Since I?m not an originalist, I don?t care much how many generations of constitutional understanding a ruling in favor of gay marriage would reflect. And if Scalia thought recognition of gay marriage would solve a deep social problem, he wouldn?t either: He calls himself a ?faint-hearted originalist? because he believes that the court?s 1954 decision to desegregate public schools was correct even though that one, too, would have raised eyebrows among the Founders.

I bet some of the Founders would take it all in and raise a pewter of ale to a nice gay or lesbian couple. But to me, what matters much more is the social moment you point to, Walter. Scales have fallen?are falling?from our collective eyes. When it becomes clear that something was unthinkable merely because most of us hadn?t really thought about it, the public can just shift perspective and accept it. That explains the burgeoning support for gay marriage in the polls. And I think it will sway a majority of the justices as well. I love writing about same-sex marriage because it is moving, in both senses of the word.

And if you like long pedigrees, here?s this tidbit: Nero married a man in a public ceremony and accorded him the honors of an empress. And same-sex unions continued in Rome for more than 300 years. Score one for the empire.

Source: http://www.slate.com/articles/news_and_politics/the_breakfast_table/features/2013/supreme_court_2013/supreme_court_on_gay_marriage_when_did_same_sex_bans_become_unconstutional.html

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Duke Ellington: Jack The Bear

This is gonna be a classy Friday night. You don't have to groove to Duke Ellington all the time, but when you do you should turn on Jack The Bear. This chart showcases Jimmy Blanton (Jack the bear...get it?), a bassist who at 22 brought the band to a new level in the early 1940s. Even if you hate 32-bar form and blues choruses, or you think pretentious nonsense is happening right now, listen to the end of the track for the bass solo. That's what it sounds like when someone nails it. [Amazon, iTunes, Spotify]

Source: http://gizmodo.com/duke-ellington-jack-the-bear-536409718

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