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tiomka

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I am 24, born and raised in Moscow, Russia. Moved here when I was 16 and graduated from the University of Kansas with a degree in Mathematics. Have 6 years of experience in sales and am in top 0.01% of reps in an international marketing company. Passionate about technology, however I decided to work on the CEO part of the business. Recently left Director of Sales position in a Chemical Company. Currently traveling to Colorado and California to find a tech co-founder. I am a self-motivated entrepreneur, with a track record and a passion for innovation and technology. I will use my ambition and skills to create something people want and doing it with Y-Connector would be a blast.

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Google acquires TalkBin (YC W11) 15 years ago

Google bought 3 engineers, not a business that has relationships with vendors, that Skweal is acquiring. Not sure if you can solve social problems with more code.

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Ask Entrepreneurs: Productivity tips for a chronic procrastinator? 17 years ago

I'd say that your issue doesn't need a organizational solution, it's a deeper question. I go by "when why gets bigger, how gets easier". I would suggest sitting down and writing out 100 (or however many) reasons for what you are trying to accomplish. As you have those done, your motivation will grow and get you past the little distractions. The more reasons you have for accomplishing your goals, the easier it will be to get desciplined.

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Ask HN: Is credit necessary and how/where do you bank? 18 years ago

As far as making life easier, here is how it helps me: 1. Spending statements at year-end for tax purposes. 2. Miles for travel, I get a few trips per year 3. Lower mortgage/car rates due to good credit

Unfortunately, this is the only way to prove it (that I know of) - have credit and know how to manage it.

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Ask HN: Is credit necessary and how/where do you bank? 18 years ago

Do not be an ostrich, and follow the CASH ONLY rule. It doesn't make you any smarter, credit is something you should learn to control and take advantage of. Read/listen to this book: Philip Tirone - 7 Steps to a 720 Credit Score

Quick summary tips:

1. have 3 different sources of credit (amex, visa and mc)

2. use 30% of the limit (if your credit limit is 1000, and you put 900 on and pay off it every month, companies will see it as if you are using 90% of your credit, which will lower it)

3. Call every 4-6 months and ask to lower rate/increase limit

4. NEVER cancel a card, length of accounts is an average, and it will hurt your score. (If you don't want to use a card, make it pay your light bill automatically, and set up an monthly autopay)

5.

a. Quick tip to increase credit score: find someone you trust/that trusts you, ask them to put your name on their card. Don't get the actual card, if they have great credit, it will positively affect you.

b. If you cannot find anyone, go to Credit Union, open a savings account, put in 1000, take 3x300 loans out against the savings account, repay loans monthly, in 3 months your score will jump

* I am 24 and have an amex card with $25,000 limit, they send me promotions to get a cash advance for a fixed $3.99, great way to self fund ;-)

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