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7 Proven Ways to Slash Grocery Delivery Costs With Rakuten
<p>Delivering dinner shouldn’t devour your budget. Whether you’re using Instacart to stock up on the ingredients for your world-famous chili or filling your weekly DoorDash cart with staples and snacks, Rakuten makes it simple to stack Cash Back, coupons and membership perks so your grocery delivery won’t break the bank. Below you’ll find seven proven strategies to save money on grocery delivery with Instacart and other major delivery platforms. Put them together and you’ll consistently beat markups, trim delivery fees […]</p><p>The post <a href="https://www.rakuten.com/blog/7-proven-ways-to-slash-grocery-delivery-costs-with-rakuten/">7 Proven Ways to Slash Grocery Delivery Costs With Rakuten</a> appeared first on <a href="https://www.rakuten.com/blog">Rakuten Blog</a>.</p>
Get to Know: Our New Guaranteed Cash Back Program
<p>Psstt… we’ve got some good news! As you’re perusing online and filling up your carts with your dream spring wardrobe, know that you are going to have <em>guaranteed</em> cash back.</p><p>At RetailMeNot, we think savings should feel reliable, not hit-or-miss. That’s why, in honor of our 20th anniversary (time flies when you’re saving!), we launched our <strong>NEW Guaranteed Cash Back program</strong>!</p><hr class="wp-block-separator has-alpha-channel-opacity"/><h2 class="wp-block-heading has-text-align-center"><strong>RetailMeNot Guaranteed Cash Back</strong></h2><p>What does this entail exactly? Well, you can now earn cash back from more than 4,000 retailers! This is in addition to the live offers available from more than 10,000 merchants on our platform. </p><h3 class="wp-block-heading"><strong>The TLDR:</strong></h3><ul><li><strong>Cash Back From 4,000+ Retailers:</strong> We’ve added a baseline of <em>at least </em>1% cash back to thousands of brands, even in categories where deals are usually hard to find. </li><li><strong>We’ve Got It Covered:</strong> Cash back that always works. We’ve got your back regardless of merchant fluctuations. </li><li><strong>Stack the Savings:</strong> Yes, you can still use your promo codes. Think of this as a guaranteed cherry on top of your savings sundae.</li></ul><hr class="wp-block-separator has-alpha-channel-opacity"/><h2 class="wp-block-heading has-text-align-center" id="h-no-more-checkout-letdown"><strong>No More Checkout Letdown</strong></h2><p>We’ve all experienced that checkout letdown experience when shopping online (total buzzkill). At a time when discounts and cash back rates can fluctuate widely across retailers, we want to offer greater predictability to your savings experience. Yes, this means you no longer have to start making up codes to try at checkout or using all of your family members’ emails to get some sort of discount or reward on your purchase… we’ve all been there. We’ve got you covered! </p><p>Guaranteed Cash Back can be stacked <em>on top of active promo codes and offers</em>, giving you added value at checkout and a consistent and transparent savings experience. We want to ensure you earn rewards on nearly every purchase, including categories where savings opportunities were once limited. </p><p>You will earn a minimum of 1% cash back from these +4,000 retailers, which means you have a dependable savings opportunity whenever and wherever you’re shopping. </p><hr class="wp-block-separator has-alpha-channel-opacity"/><h2 class="wp-block-heading has-text-align-center">Sign up for Cash Back Today</h2><p>You can start earning guaranteed cash back today. </p><p>Wondering how cash back works? And where to begin? If you haven’t already, create a free account on RetailMeNot and <a href="https://www.retailmenot.com/mobile">download our app</a> + <a href="https://www.retailmenot.com/extension">browser extension</a>. From there, you can <a href="https://www.retailmenot.com/cashback">browse cash back offers</a> from all your fave retailers. Simply tap any participating offer to activate cash back and start shopping. After you shop and check out, look for an email confirmation that your cash back is on its way!</p><div class='text-center'><a href='https://secure.retailmenot.com/register' target='' class=' button solid '>Sign up for RetailMeNot!</a></div><p>Happy shopping!</p><p>The post <a href="https://www.retailmenot.com/blog/retailmenot-guaranteed-cash-back.html">Get to Know: Our New Guaranteed Cash Back Program</a> appeared first on <a href="https://www.retailmenot.com/blog">The Real Deal by RetailMeNot</a>.</p>
VeePN VPN 24-Month Plans: Up to 87% off + Extra 16% off
<img src='https://www.datocms-assets.com/64599/1772140357-veepn-logo-mcl0.jpeg?h=94&w=125' style='float: left;vertical-align: top;margin: 0 8px 8px 0'><div class="snippet summary" title="Save an extra 16% off with promo code "dealnews16off" - plus, these 2-year plans get an extra 4 months, yielding starting prices from $1.68 per month. All three tiers offers VPN service for multiple devices and alternative ID, with the Pro and Max options offering additional devices, antivirus, breach alerts, and more."><p>Save an extra 16% off with promo code "dealnews16off" - plus, these 2-year plans get an extra 4 months, yielding starting prices from $1.68 per month. All three tiers offers VPN service for multiple devices and alternative ID, with the Pro and Max options offering additional devices, antivirus, breach alerts, and more. Shop Now at VeePN</p></div>
NCAA Jersey Deals at Fanatics: Up to 72% off + free shipping w/ $29
March Madness is right around the corner, and Fanatics has deals on jerseys for tons of college teams. We've pictured the Oregon Ducks Nike Replica Jersey for $34 ($41 off). Plus, get free shipping over $29 with code "29SHIP". Shop Now at Fanatics
Hoka Men's Rincon 4 Running Shoes for $74 in cart + free shipping
<img src='https://www.datocms-assets.com/64599/1771244729-hoka-running-shoes-white-cyan-side-f4wg.webp?h=101&w=125' style='float: left;vertical-align: top;margin: 0 8px 8px 0'><div class="snippet summary" title="You'd pay $110 elsewhere."><p>You'd pay $110 elsewhere. Buy Now at Hoka</p></div>
Angel Soft Toilet Paper 18 Mega Rolls for $12 via Sub & Save + free shipping w/ Prime
<img src='https://www.datocms-assets.com/64599/1772137713-angel-soft-toilet-paper-18-mega-rolls-ucmr.jpeg?h=106&w=125' style='float: left;vertical-align: top;margin: 0 8px 8px 0'><div class="snippet summary" title="That's a buck under local prices."><p>That's a buck under local prices. Buy Now at Amazon</p></div>
How to Finance Commercial Real Estate - Nancy Davison
The session “How to Finance Commercial Real Estate” presented by Nancy Davison is a comprehensive training designed to help loan officers understand the structure, guidelines, and strategy behind commercial real estate (CRE) financing.
This training focuses on breaking down the differences between residential and commercial lending, explaining underwriting metrics unique to commercial properties, and teaching loan officers how to properly structure, analyze, and position commercial deals for approval.
It is not a single loan product but a broad educational session covering multiple commercial financing options, including SBA, conventional commercial, and investor-focused programs.
Key Learning Objectives
Understand the difference between residential and commercial underwriting
Learn how commercial properties are valued
Identify key ratios lenders use for approval
Understand common commercial loan structures
Learn how to position and pre-qualify commercial borrowers
Identify red flags in commercial files
What Qualifies as Commercial Real Estate?
Commercial real estate typically includes:
Office buildings
Retail centers
Industrial properties
Mixed-use properties
Multi-family (5+ units)
Warehouses
Self-storage
Hospitality properties
Owner-occupied business properties
(1–4 units are typically considered residential. 5+ units are commercial.)
Core Commercial Underwriting Concepts
1. Debt Service Coverage Ratio (DSCR)
DSCR is one of the most important approval metrics in commercial lending.
Formula:
Net Operating Income (NOI) ÷ Annual Debt Service
Typical lender minimum:
1.20x – 1.25x DSCR
SBA often requires ~1.25x or higher
This ratio determines whether the property cash flow can support the loan payment.
2. Net Operating Income (NOI)
NOI =
Gross Income
– Operating Expenses
= Net Operating Income
Important:
NOI does NOT include debt payments, depreciation, or capital expenditures.
3. Loan-to-Value (LTV)
Typical commercial LTV ranges:
Conventional: 65% – 75%
SBA 7(a): up to 90% (owner-occupied)
SBA 504: often 85% – 90% combined
Commercial deals generally require larger down payments than residential.
4. Cap Rate (Capitalization Rate)
Cap Rate = NOI ÷ Property Value
This is used to determine valuation and investor return expectations.
Lower cap rate = higher property value
Higher cap rate = lower property value
Common Commercial Loan Types Covered
1. Conventional Commercial Loans
Bank or private lender
5–25 year amortization
Balloon structures common
Higher down payment requirements
2. SBA Loans
SBA 7(a)
Used for real estate + business acquisition
Can include working capital
Longer terms (up to 25 years for real estate)
Higher leverage options
SBA 504
Typically structured as:
50% Bank
40% CDC
10% Borrower down
Great for owner-occupied real estate purchases.
Commercial requires deeper financial analysis and borrower documentation such as:
2–3 years business tax returns
Profit & Loss statements
Rent rolls
Operating statements
Personal Financial Statements
Business debt schedules
Pre-Qualification Strategy
Nancy emphasizes that proper pre-qualification is critical in commercial lending.
Loan officers should:
Analyze the rent roll
Calculate NOI
Determine DSCR
Estimate realistic LTV
Confirm borrower liquidity
Review global cash flow if applicable
Red Flags in Commercial Deals
Inflated income projections
High vacancy rates
Weak lease terms
Poor business performance
Over-leveraged borrower
Environmental concerns
Special-use properties
Commercial Borrower Profile
Typical commercial borrowers:
Business owners
Real estate investors
Developers
Owner-occupants
Multi-entity operators
Many deals involve business acquisition + property purchase together.
Step-by-Step Commercial Loan Process
Initial intake and financial review
Preliminary DSCR and feasibility analysis
Term sheet discussion
Full financial documentation submission
Appraisal and environmental review
Credit committee approval
Closing and funding
Commercial timelines are typically longer than residential.
Who Should Attend This Training?
Loan officers expanding into commercial lending
Residential LOs looking to diversify income
Brokers wanting to understand SBA programs
NEXANs looking to add CRE to their pipeline
Key Takeaways
Commercial lending is cash-flow driven.
DSCR is the primary approval metric.
Down payments are larger than residential.
SBA programs allow higher leverage for owner-occupied properties.
Proper analysis before submission prevents wasted time.
Commercial deals require stronger structuring skills.
Final Summary
“How to Finance Commercial Real Estate” with Nancy Davison provides a structured introduction to commercial financing fundamentals. The session equips loan officers with the analytical tools needed to evaluate commercial opportunities, calculate DSCR, understand cap rates, structure SBA and conventional loans, and properly pre-qualify business borrowers.
Understanding how to generate new commercial loans - Franco Banares
This training session focused on helping Loan Officers expand beyond traditional residential production and intentionally build a commercial loan pipeline. Franco Banares walked through mindset shifts, sourcing strategies, qualification basics, relationship-building techniques, and how to structure commercial opportunities correctly from the first conversation.
The core message: Commercial lending is relationship-driven, strategy-based, and referral-powered — not rate-driven like residential.
Key Training Objectives
Understand the difference between residential and commercial lending.
Learn how to identify commercial loan opportunities in your existing database.
Develop a repeatable strategy to generate commercial referrals.
Understand key commercial underwriting concepts.
Position yourself as a commercial financing resource without being a commercial underwriter.
Learn how to pre-screen deals before sending to a lender.
Section 1: Mindset Shift – Residential vs Commercial
Residential Lending
W-2 income driven
AUS findings based
Rate sensitive
Consumer-focused
Emotional buying decision
Commercial Lending
Income-producing asset driven
Debt Service Coverage Ratio (DSCR) driven
Relationship-based
Investor-focused
ROI and cash-flow decision
Franco emphasized that commercial borrowers:
Care more about cash flow and leverage
Expect deeper conversations about structure
Often already own multiple properties
Are business owners or investors
Section 2: What Counts as Commercial?
Commercial loans can include:
Mixed-use properties
Office buildings
Retail strip centers
Multi-family (5+ units)
Warehouses
Self-storage
Medical buildings
Industrial properties
Hotels
Special-purpose properties
If it produces income and is owned for business or investment purposes, it likely falls under commercial lending.
Section 3: Where Commercial Leads Come From
Franco outlined multiple sourcing strategies:
1. Your Existing Database
Borrowers who own LLCs
Self-employed clients
Real estate investors
Realtors who sell multi-family or mixed-use
CPAs and business attorneys
2. Realtors
Commercial agents often lack reliable lending partners.
Strategy:
Ask: “Who handles your commercial financing?”
Offer education, not rate quotes.
3. CPAs
CPAs know when clients:
Show strong profit
Want tax advantages
Need to buy a building for their business
4. Business Owners
Every business renting space is a potential commercial borrower.
Key question:
“Have you ever considered owning your building instead of renting?”
Section 4: Basic Commercial Qualification Concepts
Unlike residential, commercial underwriting focuses heavily on:
1. Debt Service Coverage Ratio (DSCR)
Formula:
Net Operating Income ÷ Annual Debt Service
Typical minimum DSCR:
1.20x – 1.25x
Meaning:
The property must generate 20–25% more income than the debt payment.
2. Loan-to-Value (LTV)
Typical ranges:
65% – 80% depending on property type
Lower for special-purpose properties
3. Credit Score
680+ common baseline
Stronger sponsors get better leverage
4. Global Cash Flow
Lenders may analyze:
Business returns
Personal returns
Rent rolls
Leases
Operating statements
Section 5: Commercial Loan Types Overview
Franco discussed several structures:
1.Owner-Occupied Loans
SBA financing
Conventional commercial
Business expansion
2.Investment Property Loans
Stabilized properties
Bridge loans
Value-add acquisitions
3.SBA Loans
SBA 7(a)
SBA 504
4.Bridge Financing
Short-term repositioning
Rehab and lease-up
Section 6: Pre-Screening a Commercial Deal
Before sending to a lender, gather:
Property address
Property type
Purchase price or value
Current rent roll
NOI
Requested loan amount
Borrower credit score
Experience level
Liquidity
Purpose (purchase/refi/cash-out)
Franco emphasized:
Do not send incomplete files to commercial lenders. You must pre-qualify at a strategic level first.
Section 7: Building Authority in Commercial
Position yourself as:
A financing strategist
A connector
A relationship resource
Not:
A rate shopper
A residential LO trying something new
Key Strategy:
Host educational sessions for:
Realtors
Business owners
CPAs
Topics:
“How to Buy Your First Commercial Property”
“How to Own Your Business Building”
“Understanding DSCR and NOI”
Section 8: Why Commercial Loans Are Attractive
Larger loan balances
Higher commission potential
Repeat investor clients
Less competition from rate shoppers
Long-term relationship banking
Commercial borrowers often refinance, expand, and purchase again — creating recurring income opportunities.
Ramadan Deals Are Live �
Shop global favorites at Ramadan Special Deal this festive season. Limited time — don’t miss out!
👉 Explore now: #RamadanDeals #RamadanSale #ShopOnline #GlobalShopping #FestiveOffers #DealAlert #Ramadan2026
Show HN: We built free adversarial security testing for agents (OpenClaw too)
Hey everyone — I'm Aaron, co-founder of ZioSec. Wanted to introduce what we've been working on and get your feedback.<p>Quick background: we build adversarial testing software for AI agents — think automated red teaming. We've been building with design partnerships in the Mag 7, Big 4, and red team operators from around the world. We've been focused on enterprise AI security for the past year, testing agents for some of the biggest companies deploying them.<p>When the OpenClaw moment hit last month, everyone suddenly running powerful agents connected to their file systems, browsers, APIs, and messaging apps, we knew we had to open the platform up. The attack surface OpenClaw creates is genuinely unprecedented, and most people running it have no way to know what's actually vulnerable.<p>So we built a free tier: one agent, full attack library (250+ patterns), no credit card. It auto-discovers your OpenClaw gateway and tests for jailbreaks, prompt injection, privilege escalation, credential exfiltration, MCP exploitation, cron persistence, memory poisoning — basically everything we test for our enterprise customers.<p>We're actively developing new attacks specifically for OpenClaw and would love your help:<p>• Try it out and tell us what's useful (and what isn't): <a href="https://ziosec.com/openclaw" rel="nofollow">https://ziosec.com/openclaw</a>
• If you've found a unique attack vector or developed your own adversarial techniques against OpenClaw, we'd love to hear about it. We're always trying to learn and make this more useful for everyone.
• Feedback on what to build next — what would make this actually valuable for how you use OpenClaw?
Happy to answer any questions about what we're finding, how the testing works, or AI agent security in general.
Claude Code Bug triggers Rate limits without usage
Starting an hour ago, i received the following message "API Error: Rate limit reached" in claude code on a 5x Max subscription.<p>I had not used the model extensively, but accepted it. I waited 10min and asked again on how to go about a localization task on a website. Nothing code intensive, just a Pointer on what path to take given the infrastructure. However the same error message.
I checked claude status, i checked HN and started the support bot, i reviewed the API ratelimits. But all seemed normal. And nowhere did it seem like i exceeded. I waited another 30min and tried again.
The error message persists, according tot the doc, it should tell me how long to wait. it doesnt.<p>Anyone else experiencing this?
Based in Switzerland, Europe, on Linux
Show HN: BreakMyAgent – Open-source red-teaming sandbox for LLM system prompts
As a developer, I got tired of manually testing my AI agents and chatbots against the same prompt injections and jailbreaks every time I tweaked a system prompt. Our QA team was struggling with the exact same bottleneck, so I built BreakMyAgent.It’s an open-source sandbox that runs an automated barrage of standard exploits against your target LLM to see if it leaks data or ignores core instructions.How it works under the hood:. - The UI is built with Streamlit, backend is FastAPI, and dependency
Is Amazon Shipping Broken for Everyone?
I have recently had a whole series of amazon shipping failures. I order a set of 16 packages, got one. Talked to customer service got one again. Ordered a thing that said it would arrive on Tuesday, once I bought it, the order said Friday (+3 days). My last small order is lost in a maze of shipping status messages that are clearly fantasy. It said it was to be delivered the next day, but had not really shipped. Now seems to be lost and Amazon only can deal with delivered items. It has no option for help with items lost in delivery.<p>My sense is that the fantasy of Amazon is now falling apart. They provide shipping status that is dishonest. Is this just an unlucky streak for me? Do they not like me anymore? Or is it for everyone?
Show HN: Sonde – Open-source LLM analytics (track brand mentions across LLMs)
Hi HN!We built Sonde (https://github.com/compiuta-origin/sonde-analytics) after noticing - probably like everybody else - our website traffic was declining while prospects were telling us "I found you through ChatGPT".We wanted to understand our visibility across LLM responses, as we did in the good old days of SEO and web analytics. Since existing tools were enterprise-tier expensive, we built Sonde as a simple internal project to:- schedule prompts to run against
Presidents Day weekend has come and gone. The 82 best deals are still live
Want more deals? Visit CNN Underscored’s Guide to Presidents Day for wall-to-wall coverage of the best discounts to be found during the holiday weekend. The long weekend is over, but the deals ...
Splash Wines Cabernet Clearance 15-Pack for $90 + free shipping
That's $6 per bottle for this curated collection of cabs, including wines from California, Australia, Argentina, Chile, and more. Buy Now at Splash Wines
9-Piece Quilted Faux Leather Car Seat Covers for $23 + free shipping
That's the lowest price we could find by $18. A payment processing fee of $0.75 may apply. They ship for free from a U.S. warehouse. Buy Now at Alibaba
Athletic Works Men's Fleece Crewneck Sweatshirt for $7 + free shipping w/ $35
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Acupoint Massage Slippers for $3.60 + free shipping w/ first order
That's the lowest price we could find by $14 for a similar pair. Import charges of $0.18 and a payment processing fee of $0.13 may apply.New Alibaba customers get free shipping; otherwise, it starts at around $11. Buy Now at Alibaba
The North Face Men’s Afterburner Insulated Flannel for $91 + free shipping
<img src='https://www.datocms-assets.com/64599/1772113141-black-north-face-mens-insulated-jacket-3vhd.png?h=125&w=98' style='float: left;vertical-align: top;margin: 0 8px 8px 0'><div class="snippet summary" title="That's $39 off and a nice deal on any North Face jacket."><p>That's $39 off and a nice deal on any North Face jacket. Buy Now at The North Face</p></div>