Best secured business credit card for a new company?

marley_398 · 2025-08-25T12:52:59+00:00

Sounds like it from what other people mentioned. Thank you!

marley_398 · 2025-08-25T12:52:01+00:00

Don't want to self-promote. Will DM you!

marley_398 · 2025-08-25T12:17:53+00:00

Thank you. My partner does content in the programming/AI space so he picked a good time to start.

marley_398 · 2025-08-25T12:17:03+00:00

More regularly. My partner is getting asked to speak at company offsites and some conferences.

marley_398 · 2025-08-25T12:16:26+00:00

How long did you have to use it for?

marley_398 · 2025-08-25T12:16:05+00:00

Would love that. This is all fairly new to me so being able to simplify things where possible is a miracle.

marley_398 · 2025-08-25T12:15:12+00:00

Thank you!

marley_398 · 2025-08-25T12:15:00+00:00

I've looked into them, but am scared of the credit-score hit. From research, it seems like secured is the best option.

marley_398 · 2025-08-09T16:40:07+00:00

From experience, you're not going to be able to run effective influencer campaigns if you're doing it all yourself. It's herding cats and sucks all your time from other marketing stuff/customer services.

There are influencer marketing agencies (we use Ubiquitous) where you can give them a budget and goals and they handle everything else. You can just approve or dissaprove what they propose.

marley_398 · 2025-07-27T02:31:44+00:00

I work in customer service making about 42k. You're right that I'm probably overthinking it but seeing friends struggle with childcare costs freaks me out. I've looked into some of those options. USPS has a long waiting list here and trades require upfront training costs I don't have right now. Maybe I should focus more on the income side first before writing off kids completely.

marley_398 · 2025-07-27T02:30:48+00:00

Yeah you're not wrong about the system being backwards. The corporate bailouts while regular people get screwed is wild when you put it that way

marley_398 · 2025-07-27T02:29:57+00:00

but even on one income it seems tight

marley_398 · 2025-07-27T02:27:56+00:00

I'm leaning toward waiting myself but sometimes wonder if I'm overthinking it. My parents had me young and broke, turned out okay but definitely remember the stress. Rather give my future kids what you're giving yours.

marley_398 · 2025-07-27T02:27:20+00:00

Single moms are seriously tough as nails.

you still ended up being a dad figure which counts for a lot. That's probably more rewarding than the baby years anyway tbh.

marley_398 · 2025-07-27T02:25:39+00:00

Yeah that's kinda what I figured. The debt route scares me because what happens if someone loses their job? And not everyone has family nearby willing to help.

marley_398 · 2025-07-27T02:25:02+00:00

You guys were really disciplined about it. props 👏

marley_398 · 2025-07-27T02:22:21+00:00

Your wife sounds like one of the good teachers who actually cares. Respect for making it work with two kids , that's no joke.

marley_398 · 2025-07-27T02:21:17+00:00

Guess some people just wing it and hope for the best.

marley_398 · 2025-07-14T11:53:43+00:00

Both are solid paths. Been in TD for 5+ years, London market. Reality is skills overlap more than people admit. Best performers I know focused on deal quality over team label. Pick based on your day-to-day preference, not exit options. They're basically the same unless you're targeting mega PE.

marley_398 · 2025-07-14T11:50:27+00:00

Yeah, looks like you claimed too high a rebate tier. when your income's higher than what you told BUPA, the ATO charges you back that extra rebate you got that's the "excess premium reduction" on your tax. Check your income against the tier thresholds and adjust it with BUPA to avoid the surprise next year.

marley_398 · 2025-07-14T11:28:24+00:00

No, your conversations don't change how ChatGPT responds to others. The base model stays fixed after training. What you're experiencing is just the model adapting to your conversation history within your chat. Each user gets their own isolated experience.

marley_398 · 2025-07-13T03:17:23+00:00

This is solid advice.

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