I don't see how Bitcoin is a great solution here when it depends on utilities managed by the government for its liquidity...
3,143 karma · joined June 20, 2009
I don't see how Bitcoin is a great solution here when it depends on utilities managed by the government for its liquidity...
I guess fear of missing out is a strong sales tool!
Does anyone have any recommendations of other open source CRMs?
If that were true, wouldn't a heck of an easier approach have been to setup an "ad network for retail delivery apps"? I think you might be underestimating both the difficulty of the logistics side of their business, and therefore its value as well. I've never really looked into Instacart (Not available here), but I imagine a more likely Instacart investment thesis is "if local businesses were given the option to not have to manage their delivery fleet, with minimal impact on other parts of their business, would they switch? + How much can we reduce the cost of local delivery due to scale/volume, and therefore is a monopoly position in local delivery achievable?
https://www.aliexpress.com/wholesale?initiative_id=QRW_20161...
We are a "meditation technology" company. We were one of the first companies to produce Biofeedback hardware and software for consumers (see https://en.wikipedia.org/wiki/Journey_to_Wild_Divine ). We're currently revamping both our hardware and software library, and are looking to bring on an experienced Unity 3D Developer to lead software efforts. Both contract or full-time are options. Remote is a possibility if you are a resident of Ontario.
Experience optimizing Unity 3D games to run well across mobile platforms is a must - as we're a small team, "jack of all trades" (optimizing 3D models and other art assets, etc...) is great. Finally, if you're interested in Virtual Reality development we've got some interesting stuff in the pipeline there as well.
We've got a really cool office space walking distance from the U of T campus and both subway lines (Spadina + Bloor). Full kitchen, freshly ground coffee, flexible work hours, etc...
Contact: careers at unyte.com or reach out to me directly via my HN profile - What to send with your application: 1-2 paragraphs about any relevant experience, links to project samples (i.e. public repos, open source projects you've contributed to or stack overflow profile), and also what attracts you to the role.
Anyways, as far as what to do - Patience. Most people in Toronto who have good/great credit have mortgages w/~2.4% interest rate and 5 or less year term. What that means is that a ~1% increase in rates would increase their annual interest expense by ~50%. Considering that the average house price is $1MM in the GTA, let's say the average downpayment is 20% (it's actually lower from what I've read...), and you're looking at a situation where if rates go up just 1%, the average new home owner is going to need to come up with an additional $8K / year after tax, so ~$11-16K before tax, in order to not default on their mortgage. With wages being as stagnant as they are in Canada, and the average Canadian being more in debt than they have ever been in the history of the country(1), you can imagine that there will at least be a couple of people who will no longer be able to afford the houses they are in and need to sell it off.
1)http://www.theglobeandmail.com/report-on-business/economy/ca...
The original Gear VR ("Innovator edition") could not be charged while used though if I remember correctly.
https://southfloridaforbeginners.wordpress.com/2012/04/04/th...
I know its a lot of work / not possible for all businesses / makes running the business more difficult, but hopefully minimizing unhappy customers should result in sales growth which offsets the investment in customer service.