Hi HN! We’re Sam and Michael from Palus Finance (https://palus.finance). We’re building a treasury management platform for startups and SMBs to earn higher yields with a high-yield bond portfolio.We were funded by YC for a consumer-focused product for higher-yield savings. But when we joined YC and got our funding, we realized we needed the product for our own startup’s cash reserves, and other startups in the batch started telling us they wanted this too.We realized that traditional startup treasury products do much the same thing: open a brokerage account, sweep your cash into a money market fund (MMF), and charge a management fee. No strategy involved. (There is actually one widely-advertised treasury product that differentiates on yield, but instead of an MMF it uses a mutual fund where your principal is at considerable risk – it had a 9% loss in 2022 that took years to recover.)I come from a finance background, so this norm felt weird to me. The typical startup cashflow pattern is a large infusion from a raise covering 18–24 months of burn, drawn down gradually. That's a lot of capital sitting idle for a long time, where even a modest yield improvement compounds into real money.MMFs are the lowest rung of what's available in fixed income. Yes, they’re very safe and liquid, but when you leave your whole treasury in one, you’re giving up yield to get same-day liquidity on cash you won’t touch for six months or more.
Ученые выяснили, что некоторые практики, направленные на связь тела и разума, могут помогать людям с деменцией справляться с тревогой, стрессом и депрессией. К таким методам относятся медитация, йога, тайцзи и дыхательные упражнения. Результаты обзора исследований опубликованы в журнале Aging & Mental Health (A&MH).，更多细节参见PDF资料
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