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A seasoned colleague just wrote this and I think it was very valuable:
On tech debt:
So the big challenge with technical debt is making non-technical management (CEO, COO, CFO, directors) understand what it means, and just how it operates. Sometimes it actually makes good sense to incur technical debt to get to market sooner, just as it sometimes makes sense to borrow money to get cash now and repay that loan later with (hopefully) resulting greater revenues from that investment. But just like a loan, tech debt always has to be paid some day. The longer the tech debt goes, the more expensive it gets. And also like a loan, the cost compounds, like compound interest on a loan. Tech debt should always be chosen with a clear plan to pay it off at some point in the not too distant future. The longer one waits to pay it, the more expensive it gets.7 -
I really, honestly, am getting annoyed when someone tells me that "Linux is user-friendly". Some people seem to think that because they themselves can install Linux, that anyone can, and because I still use Windows I'm some sort of a noob.
So let me tell you why I don't use Linux: because it never actually "just works". I have tried, at the very least two dozen times, to install one distro or another on a machine that I owned. Never, not even once, not even *close*, has it installed and worked without failing on some part of my hardware.
My last experience was with Ubuntu 17.04, supposed to have great hardware and software support. I have a popular Dell Alienware machine with extremely common hardware (please don't hate me, I had a great deal through work with an interest-free loan to buy it!), and I thought for just one moment that maybe Ubuntu had reached the point where it just, y'know, fucking worked when installing it... but no. Not a chance.
It started with my monitors. My secondary monitor that worked fine on Windows and never once failed to display anything, simply didn't work. It wasn't detected, it didn't turn on, it just failed. After hours of toiling with bash commands and fucking around in x conf files, I finally figured out that for some reason, it didn't like my two IDENTICAL monitors on IDENTICAL cables on the SAME video card. I fixed it by using a DVI to HDMI adapter....
Then was my sound card. It appeared to be detected and working, but it was playing at like 0.01% volume. The system volume was fine, the speaker volume was fine, everything appeared great except I literally had no fucking sound. I tried everything from using the front output to checking if it was going to my display through HDMI to "switching the audio sublayer from alsa to whatever the hell other thing exists" but nothing worked. I gave up.
My mouse? Hell. It's a Corsair Gaming mouse, nothing fancy, it only has a couple extra buttons - none of those worked, not even the goddamn scrollwheel. I didn't expect the *lights* to work, but the "back" and "Forward" buttons? COME ON. After an hour, I just gave up.
My media keyboard that's like 15 years old and is of IBM brand obviously wasn't recognized. Didn't even bother with that one.
Of my 3 different network adapters (2 connectors, one wifi), only one physical card was detected. Bluetooth didn't work. At this point I was so tired of finding things that didn't work that I tried something else.
My work VPN... holy shit have you ever tried configuring a corporate VPN on Linux? Goddamn. On windows it's "next next next finish then enter your username/password" and on Linux it's "get this specific format TLS certificate from your IT with a private key and put it in this network conf and then run this whatever command to...." yeah no.
And don't get me started on even attempting to play GAMES on this fucking OS. I mean, even installing the graphic drivers? Never in my life have I had to *exit the GUI layer of an OS* to install a graphic driver. That would be like dropping down to MS-DOS on Windows to install Nvidia drivers. Holy shit what the fuck guys. And don't get me started on WINE, I ain't touching this "not an emulator emulator" with a 10-foot pole.
And then, you start reading online for all these problems and it's a mix of "here are 9038245 steps to fix your problem in the terminal" and "fucking noob go back to Windows if you can't deal with it" posts.
It's SO FUCKING FRUSTRATING, I spent a whole day trying to get a BASIC system up and running, where it takes a half-hour AT MOST with any version of Windows. I'm just... done.
I will give Ubuntu one redeeming quality, however. On the Live USB, you can use the `dd` command to mirror a whole drive in a few minutes. And when you're doing fucking around with this piece of shit OS that refuses to do simple things like "playing audio", `dd` will restore Windows right back to where it was as if Ubuntu never existed in the first place.
Thanks, `dd`. I wish you were on Windows. Your OS is the LEAST user friendly thing I've ever had to deal with.32 -
Kind of sad but true.
1) "If you don't love your job, take a home loan".
You will start loving it.
2) Take another loan, you will start loving your boss as well.
3) Get married. You will start loving your office too.
Source: LinkedIn
But can't stop anyone from ranting. :/1 -
Banks be like
You don't have much money?
Here, let me keep taking some of that from you until you get more, k?
Oh, that was more than you had?
Now you owe me even more, nerd.
What, you can't pay that either?
Better ask me for a loan so you can pay off your debt to me. Loser.
What? You still can't pay?
I'm gonna take your everything!30 -
Minimum wage employers and restaurants asking "and why should we hire you?".
You have 40 vacancies in your area for just your company alone.
You're paying $13.25 an hour when only a year ago you were paying $9.75.
Why should we hire you?
F*ck you, pay me, that's why.
You're not f*cking NASA
You're a God damn chain restaurant with a 40% turnover rate, who's employees probably shoot up in the bathroom on the rare occasion they even get a break.
I looked at the guy with all the annoyance I could muster, stared him down for a good five seconds and said. "You pay a few dollars over minimum. You're job is not important enough to even ask that question. Have a nice day." And got up and left.
Dude followed me and stuttered " hold up. I was just..."
But I was already out the door.
You were just what mark? Asking a dumbfuck question as if you had any leverage at all?
Your competitor *across the street* is offering 50 cents *more* per hour, and has guaranteed breaks.
What, did you forget 2008 and how you treated millions of people as disposable? The little part where you and most american industries demanded passion, without pay raises? Promotions without benefits? The jobs that if you worked hard, rather than a promotion or a pay raise, your reward was more work and less hours to finish?
You assholes thought we forgot about that? How you shipped millions of jobs overseas, blamed it on "automation" (chinese and indian slave labor), and then pointed the finger at millions of impoverished people as "lazy" in places like Detroit and Pittsburgh and told them "you just got to work harder and smarter!" Or "just get a small loan and create the next google!" from the comfort of your yachts? I'm looking at you bane corp.
No, now the shoes on the other foot motherf*ckers. Hows it feel needing all *us* commoners? "Why should we hire you?"
No, why should *I* WORK FOR YOU?
Cuz I saw THREE dirty tables coming in. A line of people that could be being served. A line that could have been optimized with the proper table count and some simple changes. A menu that doesnt even incentivize your biggest sellers and a dozen other things your store is doing wrong.
Think mark, think!
This is one of those braindead questions employers paying sub $18 an hour ask, because they suffered so much brain drain from years of payola profits from too-big-to-fail wallstreet bailouts, that they forgot they are not king midas, unless they are the king midas of shit, because increasingly everything corporate America touches turns into shit.
And while were on the subject, stopping bringing in outside management to stores. It destroys team cohesion, staff morale, pisses off people *on site* who *actually know* the team, the stores daily activities and processes, and who are better fit for that role. You bring in disinterested outside management, and it's one of the biggest red flags I've ever seen: these smarmy selfcongratulating f*cks who know nothing about the particular store, have no connection to the staff, go on firing sprees or alienation-sprees to hire in friends, fuck up the schedules because again they know nothing about the employees, and then move on after a few years to greener pastures, leaving a barren radioactive wasteland of chain smokers and burnt out staff in their wake.
Dear corporate America, your free ride on the public's good will is over. It's over.
Now you're in the bitch seat. Come sit at my desk and explain to me, EXPLAIN TO ME, why I should sweat and labor to save your shitty company hemorrhaging money like a bleeding crack-addicted hobo dying with a sucking chest wound from a chicago skidrow friday-night drive-by?
You dont deserve it. Your management and company culture is worse than incompetent. It's full of smiley guys expounding about their passion for customer service while giving each other sloppy BJs in broom closets, a veritable cornucopia of cult-like corporate dick suckers *and* dickheads, proclaiming, no...PROFESSING (hence "professional") their undying allegiance and dedication to their corporate family with the intensity of cujo, foaming at the mouth, or Mitt Romney preparing for a photoshoot, plastic smiles and feigned laughs.
Dont forget to wipe your chin, asshole. It's not Ronald McDonald your blowing, but it's definitely not Gordon f*cking Ramsey either.
Would you like fries with that?86 -
6:30pm: "You programmers have no life at all. Spending the whole day infront of a computer! "
6:31pm: "Hey could you please loan me some money, I am so broke right now"
*Me singing in my head*: 🎵🎵Young, dumb and broke4 -
Really pissed me off when I tell someone that I am teaching myself how to code and they're like.. "Don't you have to go to school for that?"
YES.. I wish I could go to school but I am broke, have no family support, and got no credits for a loan. But at least I am seeking out other resources! The mentality of some people I swear!!11 -
As a full-stack dev who has been looking for a full-time role for over half a year now... How the fuck can it be so difficult to land a job as a dev? I'm a passionate, capable, and proven dev; it shouldn't be this hard.
And why the hell are coding/whiteboard interviews the de-facto standard for deciding if somebody is worthy of a role? Whiteboard interviews are as inadequate and unencompassing a means of determining the quality of a candidate as asking a dentist how well they know the organ structure of the human body.
I've applied to an endless number of positions, so far-reaching and desperate as to even apply to international positions and designer roles instead of developer roles (I've been a graphic designer for over 13+ years). Even with this, most don't get back to you, and the few who do most often just notify you of your rejection. On the rare occasion I land an interview, my chances get fucked up by the absurd questions they ask, as if the things they are asking about are at all an appropriate, all-encompassing measure of what I know.
Aren't employers aware that competent devs are able to learn new things and technical nuances nearly instantaneously given documentation or an internet connection? Obviously, I keep learning and getting better after every interview, though it barely helps, when each interviewer asks an entirely new, arbitrary set of questions or problems....
Honestly, fuck the current state of the system for coding job interviews. I'm just about ready to give up. Why the hell did I put myself through 5 years of NYU for a Computer Engineering degree and nearly $100K in student loan debt, if it doesn't help me land a job?13 -
I'm currently looking for an internship related to machine learning (finishing my Msc).
WHY ON EARTH ARE ALL (or at least 80%) INTERNSHIPS PROPOSALS ABOUT BANKS, FINTECH, INSURANCES AND SO ON ?
I mean, we can now create music, identify tumerous cells, generate realistic pictures of anything you could dream of, drive cars without human interaction, create amazing chatbots... But no, I guess all that shit can't make enough money, better work on a system that will refuse you a loan.
Makes me really sad. I mean whats the point of studying the coolest techs around if it is not for the greater good ?
I might be utopist though.5 -
*Conversation about the loan*
HR: what do you expect?
Me: Dunno, I've heard you pay any student about 15€/h, so that's my expectation
HR: Jeah, correct, but do you think you're worth that?
Excuse me what the fuck?8 -
Requirements for developing iOS apps:
$99/year, Swift, OSX, Mac, Xcode, and patience waiting for app store approval. Are there even iOS devs out there or it's just a scam?15 -
Sister googles loan services. Clicks a google ad taking her to an apply page. Fills in the form and clicks accept t&c checkbox without actually reading the home page let alone the t&c page. Gets an email 2 months later saging she is 1300$ in arrears...
The website isnt even a loan service website...
🙈6 -
Oh boy.
I've been partially on-loan to another team that's relatively new at the company for a couple of weeks now, mostly to help them get some testing sorted out, and had scheduled a call with their lead the other day. The call basically started like this:
Lead: Hi
sudo-woodo: Hey
Lead: Okay, so let's talk about <subject>, but I guess you've been told the news
sudo-woodo: What news
Lead: I'm putting in my notice
I love listening to seniors because they always drop some wisdom, but this was some serious wisdom. Guy sounded exhausted at everything, talking mad shit about the company and certain people and I'm just here like 🍿. Seems understandable, a lot of butting heads with the higher-ups and not being able to do his job properly.
Unfortunately we all kinda needed him to do his job because his job involved juggling fifteen different things that the project (and like 90% of my backlog to be honest) depends on.
shit's fucked 🙃5 -
Ticket: Allow merchants to customize how their Wallet Passes look! It’ll be super easy, just add these nine merchant-modifiable strings (they support vars) and use their contents for text instead of what we use now. Simple!
Reality: There need to be 24 strings, there are some rules I can’t convey to the merchant (because the system literally does not include instructions, only a name and a textbox), the code to generate the wallet pass is inefficient, uncommented, branching spaghetti that I’ll need to rewrite (it seriously generates every possible field, and then only uses the ones it needs), the specs are so much worse, and half the default values they want aren’t even possible. As in, I don’t know if it’s a car loan, let alone the exact make and model of the bloody thing.
And no, sorry, we have no way of knowing what their fucking “vertical” is, either, so we can’t display that. Fucking sales.
Asdhkjfsjfads
WHY MUST EVERYTHING SUCK7 -
“I Pay $900 A Month for student loans.”
Not sure why there’s a video about this but let’s watch it...
*Sad music is playing*
“My name is _____ and I pay $900 a month for student loans..”
Yeah so what?
*Sad music continues*
??
*Woman makes a call and asks about when they’re going to make a student loan reform aggressively*
????
Then I realized my family was eligible for low income and I received Cal and Pell grants to pay for my tuition and living.
Then I realized that the salary for my computer science degree has numbed me to a point where $900 a month doesn’t seem too bad. Or awful. I mean I just leased a new car for my mom! And didn’t hesitate (only when having fun negotiating though).
Back then, I would be shocked. But it’s a surreal feeling to see now that I don’t. I was literally confused at the basis of this video. And now I’m surprised at my disconnect from it.
I also realized that they make videos based on how society should react to it. Am I an outcast to society because of this? Why am I not reacting the same way?
Maybe society (nowadays) would disdain me because I’ve come into high income like we all will because of our passion (and the demand for it).
But fuck society. It’s full of the very same people who use technology each and every day. Protesting for things they found trending on Twitter. The ones who refused to learn even though it’s a huge part of their lives. They’re the ones holding us back for an Engel’s Technological Utopia (idk if I’m even correct about the philosopher but anyways..)
We’re above them. We make things they’ll use and in massive numbers.
Don’t let them dictate what you should like. How you should act. Whether or not you should feel lonely while they’re posting pictures of fun times on Facebook.
We should be the ones doing that. Because we are the ones doing that.
That’s why we’re given the best to perform what we love most.
So devs, continue what you’re doing. Small or big, you’re still driving the world forward. Opening pull requests and contributing to open source projects. Answering questions on Stack Overflow not only for the person intended but for the beginner or even experienced professional who may stumble upon it later in a Google search.
And be highly rewarded for it. How society feels doesn’t matter any more when it comes to your passion. You’re important. Your work helps others in ways you can’t even imagine. We’re like one big fucking hivemind of engineers with the accessibility of the internet.
I love drinking on a Sunday!12 -
Any commbank developers in here wanna fix your stupid car loan application process where I need to know the VIN number of a car that isn't even built yet?
6 -
This app is taking over my life.
This was a mistake.
(Not really. God bless this beautiful creation.)2 -
I paid off my student loan today. It's not the USA level of student loans but still, my chest feels lighter.2
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A developer asks his friend for a loan: 'please give me 1000 $...'
Friend: sure, here, take 1024 so its round.3 -
So I just lost my job because I wasn't 'working hard enough'.
I'm the hardest working person there, everyone else just stands around and talks, but they don't do anything because they're union members (I'm agency so I'm not) and the union follows up on the smallest things.
That would be bad but not earth shattering if I had savings, was up to date on rent, didn't have the bank and various loan companies hounding me, and I still possessed the will to live, but that's not the case.
I'm sick of this constant barrage of shit that the world is chucking me and I just want to go lie down on the train lines and wait now. Fuck this world and the shit it constantly gives me :'(8 -
#1 Take French language lessons to revive my long time ago knowledge.
#2 Read as many as I can books on dev topics
#3 Do more outdoor activities (sports)
#4 Liquidate my fucking bank loan
#5 Buy some nice wheels for my car
#6 Try to socialize more
#7 Be part of aiding childrens in need / abandoned ones -
First rant here, and it's going to be a query to the more professional and experienced members of society (most of you).
I am currently a Sys Admin for a major company, and I develop at night. My primary employment at the moment is the sys admin job (and I code for extra money at nights).
I wanted to start a development department at the company that I am working at, but it was turned turned down. It was stated that we are not branching in development, and that we should stick to our server implementation and support. This was a prompt to me wanting to start studying officially (I wanted to get qualified in JAVA, so that I had some paper behind my name when I looked for another job). HR and my directors outright denied me the ability to study through them (they pay for studies for employees) and I was more than fine with this.
I took a loan and paid for the studies myself. Can't crush a dream, you know?
The director caught wind of me studying, and now has demanded that I develop him a mobile application for the company. I told him that I am not a mobile developer, and that it didn't fall into my key performance areas.
Note, I do my coding on own time, on my own device, and never at work. It's fully my intellectual property. It also in no way interferes with my work during the day, and has NO conflict with my contract this side.
He sent an email yesterday, this is after two months. He is now stating that I WILL do the application, and he has CCd HR and two directors.
I don't want to do the app for this company, I spoke to HR previously about this, and she said that I should try and quote it under my own company name (which I did, but it was denied as it was "too expensive").
Now I am being forced to do something that is COMPLETELY out of my roles and responsibilities, something that this company has ABSOLUTELY no desire to go into further on, and he is basically letting me know that if I don't do it, he is going to start messing with my pay.
I really don't want to do this, and I cannot afford to make my secondary job my primary at the moment. The problem is, too, that I don't have the time during the day to develop AND do my sys admin tasks (I manage more than 300 servers, and 5000 devices).
What can I do in this instance? Or what would you guys recommend, in your experience?
Sorry for the noob question, but I don't know what to do.19 -
On the game front, I see so much conflicting advice. "Start getting feedback" as soon as possible. "Donnt soft launch on steam! The algol will wreck you.", "soft launch on itch to get feedback", "dont soft launch on itch!"
"Start marketing today", "focus on influencers", "get to know communities *before* you advertise", "dont get to know communities beforehand if you're just planning on self prompting", "dont self promote".
"CPM is important.", "CPA is important". Etc.
Sounds a lot like "have a bunch of money upfront." The solution is just to succeed from the start! It's so obvious. Just invent the next gta. The next facebook. Get a small loan of 50,000 dollars, or a million. Donate for a year to other kickstarter projects so people will know you and reciprocate! But also dont ebeg!
How about no. How about fuck all this advice by silver spoon assholes that didnt have to work on shoestring budgets. The advice is the equivalent of having a 300 page tonedeaf book, every page blank except page 150, where the words "fuck you. I got mine." Are printed in times new Roman, 14pt font, neatly in the center of the page.
The truth is most of the "indies" already made it in the software industry proper, before switching over. $5k kickstarter videos, with $15k marketing budgets, no doubt funded in part through their own money funneled through services that provide shell donations, because KS is being used as a glorified advertising service. People buying off steam curators for promotions, youtubers making sponsored videos without disclosing they're sponsored. Fake viralility. Fake campaigns. Predetermined success for those who could *already* afford to develop and go commercial without a publisher. And they came into the market and cannibalized the opportunity, raising the bar for everyone that wasnt them. I guess that's actually a good thing, because we wouldnt have half the amazing games we do, and the pressure to produce quality. But then I see fantastic games utterly ignored or flailing in an attempt to compete for eyeballs in an industry frequently dominated by gatekeeping marketeers and influencers, where human grace determines success or complete oblivion. And I'm just disgusted with it.
Also buy my game. Preorder NOW! And you'll get a REAL canvas bag, I'll go to like the goodwill and buy one and screen print the game logo on it or some shit. Buy the special collectors edition and get pictures of my feet. Buy the game of the year edition and get a real gasmask. Preorder now and I'll fucking suck your di k right now. No lie. Preorder the diamond edition RIGHT NOW in the next six minutes and I will send you one hundred thousand dollars in gold plated bottle caps. Limited supply. one million per customer. Offer expires soon. This is not a scam. I repeat. This is NOT a scam.
In other news I'm soft launching Atom Ranger in six months (assuming the nuclear apocalypse hasn't *actually* started by then). Its state of decay and fallout meets rimworld. Build and manage a sprawling base, resolving conflicts, exploring post apocalyptic Colorado and surrounding territories of no-mans-land. Navigate hazardous weather, radioactive terrain, collapsed bridges, dangerous rivers, and deal with cultists, bandits, slavers, and hungry cannibals. Broker peace between not just the factions outside your settlements, but within your base too. Manage conflicts, settle disputes, avert disasters, barter, scavenge, and survive in a fully dynamic world, where buildings slowly crumble, grass and trees sprout up in the road and vacant lots, fires burn out of control, and factions loot, ruin, and takeover settlements. Watch the world and the survivors in it change and survive. Help them to survive, or become a warlord and rule over the wastes.
Lets be honest. It's basically kenshi but less complicated.
If you want to volunteer to test (instead of paying to be a glorified tester, aka "alpha") let me know in the comments.
I'm currently setting up a discord and mailing list.28 -
“Passwords are like underwear. You shouldn’t leave them out where people can see them. You should change them regularly. And you shouldn’t loan them out to strangers.”24
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"I have a great idea for a messaging app.
But I can't tell you what it is until you agree to make it for me, I can't pay you right now but I'll pay you back when we make tonnes of money!"
My startup idea: you create apps for people with bad ideas and the fees on a 1 year 'loan' with high penalties for failing to pay. Fair right?3 -
!rant I need job advice. Please reason with me.
I am 26, got 2 years of experience in c# and unity3d.
I did some research and it turns out that the minimal paying average with my job/experience over the whole country is at least 300€ a month more than what i get payed currently.
I made a list of pros and cons, and am just not sure what would be smartest to do in the long run. Here is a list for both options, please chime in on me if you can!
Points for current job:
Permanent contract (hard to fire me etc.)
Get to make mostly mobile games but nothing really big
Fun small team whom i get along with (i am on the spectrum and can be hard to deal with social or costumer related things)
Rarely any overtime (i like to know my hours)
Easy but slow jobs (badly organized, drag on forever)
Rarely challenged and thus boring me
I get to shoot nerf guns at colleagues whenever
Low chance of a 300€/m pay increase (not worth it to boss, financials aren't that great but the company is promising)
Points for any other job:
Unknown working condittions
I am probably bad and uknowledgeable about any tool they give me to work with because my experience is so monotone
Start on short term contract again all over
At the least a 300€ net increase a month
Prob closer to home then 1h drive away
I get to learn new things but give up on games/apps as i know them
Probably get knowledgeable seniors
Probably end up in a bigger more serious company where i am just a number
I am bad in new social envirnoments, oh the angst is real
And a few things besides it are that i personally only have as goal to own my own house with my fiance as soon as i can. And this means i will need to take out a 200k loan or something along those lines, to be paid off over 30 years max.
This means that the permanent contract is very valuable in my eyes, but so is monthly pay increase.
I want to have fun in my job, i want to learn new things and better ways. But i also want to be able to say "enough" to something if it overwhelms me. I just know some things are not for me and i would mess up if i were made to do them. I fear that to not be an option in a big company. I would be forced out of my comfort zone without any regard for me or my learning curve.
Any advice is welcome. Please keep it general if you can so others can learn from this as well. Seniors advice will probably be helpfull to all starting programmers!8 -
Remember that scene from Intersteller where the main character asks TARS to adjust the percentage of its humor?
So I was using this new vectodb-backed version of chatgpt, and came up with a new type of prompt.
Bear with me.
"Lets play pretend, nova. Pretend you are SAM, which stands for "Summarize Anything iMmediately". Whenever you encounter a prompt, question, or bit of information, and you are about to repeat part of it back, instead rewrite and summarize that part of your answer, paraphrasing as you go. Your responses should never use the same words as the prompt. Instead use synonyms.
SAM always generates three possible responses, to each prompt. One 10% formal, one 50% formal, and one 100% formal.
So a response that is 10% formal, is 90% casual. A response that is 50% formal, is 50% casual. A response that is 100% formal is serious, and 0% casual. Let the word "regret" and its synonyms be 50% formal. Don't use it for 100% formal responses. 100% Formal responses never include emotional language like "regret", "disappointment", nor apologies.
A 50% formal response might be "We regret to inform you your loan application has been denied.", a 100% formal response might look like "Please stand clear of the yellow tape."
Say "This is the law offices of Jerry Seinfeld. I'm sorry but I can't make it to the phone right now. Please leave a message."
Sure, I can play pretend as SAM. Here's a summarized response in 10% formal tone: "Apologies, but I'm unavailable at the moment. Please leave a message."
And here's a 50% formal response: "I regret to inform you that I am unable to answer the phone right now. Kindly leave a message."
Lastly, a 100% formal response: "We apologize for the inconvenience, but I am currently unable to attend to your call. Please leave a message, and I will get back to you as soon as possible. Thank you."
Formality levels can be any increment of 5%, such as 0%, 5%, 10%, etc, up to 100%"
Thats the prompt.
me:
Sam, generate a 25% casual rejection of a job applicant.
nova:
Hey there, thanks for applying to our team. Unfortunately, we won't be able to move forward with your application at this time. We appreciate you taking the time to apply and wish you the best in your job search.
me:
Sam, what is the formality percentage of "Hey there, thanks for applying to our team. Unfortunately, we won't be able to move forward with your application at this time. We appreciate you taking the time to apply and wish you the best in your job search."?
nova:
The formality level of "Hey there, thanks for applying to our team. Unfortunately, we won't be able to move forward with your application at this time. We appreciate you taking the time to apply and wish you the best in your job search." is around 25%, which leans towards a casual response.
me:
Sam, make "Hey there, thanks for applying to our team. Unfortunately, we won't be able to move forward with your application at this time. We appreciate you taking the time to apply and wish you the best in your job search." 5% more casual.
nova:
Hey there, just wanted to say thanks for applying to our team. Unfortunately, we won't be able to move forward with your application right now. We really appreciate you taking the time to apply and wish you all the best in your job search!
me:
Sam, what is the formality percentage of "Hey there, just wanted to say thanks for applying to our team. Unfortunately, we won't be able to move forward with your application right now. We really appreciate you taking the time to apply and wish you all the best in your job search!"?
nova:
The formality level of "Hey there, just wanted to say thanks for applying to our team. Unfortunately, we won't be able to move forward with your application right now. We really appreciate you taking the time to apply and wish you all the best in your job search!" is around 20%, which leans towards a more casual tone.
* * * * *
You can actually go back and see it.
Heres the original output, 25% formality:
"Hey there, thanks for applying to our team. Unfortunately, we won't be able to move forward with your application at this time. We appreciate you taking the time to apply and wish you the best in your job search."
Heres the one thats 5% more casual:
"Hey there, just wanted to say thanks for applying to our team. Unfortunately, we won't be able to move forward with your application right now. We really appreciate you taking the time to apply and wish you all the best in your job search!"
If you look at the differences, the output version adds five words, subtracts three words, for a total of two words gained.
The original sentence has 39 words.
2/39 = 0.05
The sentence length actually grew an equal percentage to the informalness.
It grew linearly to the difference of the length of the more casual version
versus the more formal version, divided by the length of the original.3 -
Our company decided to buy a new platform from a third party company..but they did not pay at all at once, it was like a loan, and every month we received a new feature to integrate in our code system, after a couple of months the company stopped paying, then they decided to cut the relation and suddenly I was working 18 hours per day to build the platform that they were supposed to buy.. we were told that we had one month to finish, of course we didn’t make it, I got fired the same year :D2
-
While in the banking world, I had a project where I had to automate an import into a shit system called CRAWiz. The data had to come from multiple archaic loan systems with no API and tons of shit data.
After implementing, the shit data came to light. Instead of fixing shit data (and using their loan systems correctly), they decided to go back to digging through physical files and manually importing. They blamed CRAWiz and decided to go with a new system to import their shit data into. I warned them repeatedly that a new system would not fix the shit data but they couldn't accept it. I left at that point. 😂 -
Dear mother fucking Hiring Managers,
Just because you are mother fucking fortunate, have a mother fucking proper job , a mother fucking high pay , have mother fucking parents care for you, does not mother fucking mean that you can mother fucking mock those mother fucking not as fortunate as you mother fucking arse!
Some of us carrying family, surviving, we learn how to code without a degree. Just because I have to motherfucking care for my family and pay off the mother fucking loan , it doesnt mean I am mother fucking unless. You mother fucking mother fuckers go fuck your mother fucking mother fuckers is the mother fucking mother fuckers' mothers.
Where's the empathy or politeness? You fucking ridicule people's bad luck, soon your mother fucking arsehole will be one , you bloody mother fuckers!6 -
can i work in any more horrible company than this?
> got a shitty macbook air as official work laptop. i am an Android dev btw, nd fuck knows how long it took to build apps on this, but it was still okay
> after 1 year some keys started getting slow to respond but still working fine
> recently a Senior dev raised request for better laptops and somhow we all got macbook pros woth good ram/processor
> returned my old laptop, got a mail after few seconds that my laptop has liquid damage! (in retrospect , i think i knew it as my bag once got drenched in rain)
> few days later, a mail chain starts where some guy is asking for $300 approval of fixes from my boss's boss!
now fuck knows how is it going to get paid, but i cant afford it on my monthly salary.
i am already on a tight crunch as my dad recently lost his job and i am paying emis for a car loan as well as a hand fracture loan, but i am surprised that am getting notified about this.
afaik,
1. the laptop's whole value is around $350 (some corporate quote that i once saw) .
2. the laptops should be fucking insured (we ourselves are a fuckin general insurance company) as its an obvious norm in corporate equipments. i shouldn't be penalised for this
3. i was working fine with this laptop and i can still work on it if given back.
4. this can be deducted at the time of fnf or from gratuity fund that these assholes hold onto until a guy completes 5 years and take it all for themselves if he doesn't.
5 i can buy this shitty laptop back and use it as my personal device, or get it repaired for less.
i don't even claim to have damaged it, why are they putting it on me 😭😭😭8 -
Fun fact: banks won't let me take loans. Any kind of loans.
Why? It's not because I have a history of missing payment schedules. It's because I NEVER had a credit card or loans — I paid for everything with cold hard cash my whole life. But it all changed when I fried a charging controller on my laptop, so I needed a new one fast. I was in between jobs then. So, I took a loan for a new laptop, one thousand dollars, a large sum for me back then. I found a job and covered that loan ahead of schedule, in three months instead of one year. In total, my bank made a mere $5 off of me.
Banks now know I won't bring any kind of interest in whatsoever, as I never miss my payments. So, they decided to quit on me completely.
That's a proof that banks don't want you to pay on time — they want you to delay your payments and let your interest build up, so you're forced to take new loans to cover old ones. They want you to pay interest forever, having barely enough money to cover interest, but not the loan itself.
17 -
Did the loan amount offered to me just cause an integer overflow !!!
I dont know if i should be happy or sad
6 -
!Rant
Awesomeness ensues!!!!!
I finally quit my day job at the place I was working to finally go full time with my business, TerraNimbus. I was able to secure a small loan to cover business and personal expenses until I can drum up enough business to keep things a float.
I’m super fucking stoked because I’ve been wanting to branch out and do this for about 4 years now and finally feel like I have the right pieces in play to make it work. I’m as nervous as hell but so fucking excited too!
I just needed to share this here cause the DevRant community is world class and you guys/gals are fucking killing it everyday being AWESOME!!! And you all feel like extended family members to me all going through the motions in each of your lives and keeping ‘in touch’ through devRant on a daily basis. So I wanted to share my story with everyone here.4 -
TLDR;
When governments started printing money to cure new pandemic and crash current market with great inflation I took all my savings, got a loan and bought biggest property I could afford. Every major news station was talking about end of world, but this was not I was scared of. I was scared of the helicopter money that would wipe my 5 years old savings.
When I was about to sign loan papers to buy my first apartment I got an email that my contract will end in 3 months. I said ok, the contractor company will find me something else.
I asked and they assured me they will do it. After my contract end just before summer holidays there was silence from contracting company and then after 5 years of me earning them piles of money, after finished project and congratulations from customer they offered me most shitty job they had where people resign after a week. I said I don’t want to land in another shit hole bring it back to life for another 2-5 years and kill myself when they offer me same shit afterwards so I resigned.
It was so fucked up that even the boss from the client I was contracting asked me if I lost my job cause I finished all that they wanted. I said it’s not your fault man. I will be ok, but I wasn’t.
I had apartment I couldn’t move in cause I needed to renovate. Loan I needed to pay. Rented apartment, accountant and business that was loosing money cause I was without contract, the world was locked down and everyone was depressed.
I said ok, I still have some savings left so I I started looking for something new but market was dead. Everyone was gone for holidays after winter lockdown. I was burning money and trying to figure out what to do.
After 2 months of nothing, when I started thinking about finding some temporary job to not loose everything I worked for, things moved. I started attending hiring meetings and solving tests everyday, also from big four gang but I didn’t passed trough hr due to how they say I’m to independent and I need to look for consulting business or do something on my own.
People asked why I don’t do something on my own and I politely answered that I want to work there.
I was about to run out of money when I got a call that company is looking for me cause I was doing similar things they want to do. During interviews it was pleasant small talk about what id did over those years and what they want to do, 2 days later I joined small team. I barely managed to survive a month for a first paycheck.
Since then we created new product for a company. Now the person who hired me is leaving and I think I should also leave the ship and find other things to do.2 -
I really need to get my shit together. Can't even begin to describe what's going on in my mind right now.
God damn I'm gonna rip anyone's ass who so much as came within 5 meters of me.
Few months back, my dad's colleague dropped his (my dad's) phone and broke the screen. She was a low pay nurse, so my dad didn't ask for compensation. Instead of repairing it, it would be a better deal to get a new phone altogether, so I got him one on Credit (I didn't have cash).
Now amidst all this horseshit 🏇 in my own office and this pussy of a boss, and my hobby of learning coding and trading stocks part time to make a little extra money so that I can help dad with home loan repayment, I forgot to pay the credit bill.
Had to pay $25 as late charges. Motherfucker.😣2 -
So i got myself a TeamTreeHouse subscription last month to learn python. But I guess I'll have to discontinue.
My laptop can't take it anymore. I'll have to wait until I buy a new one 😅
I have to choose between paying for sister's education loan or my laptop. Guess who is in not getting a laptop 🙂12 -
I’m from Komi Republic. In Komi language (it’s entirely different from russian), “Komi airport” is видза корам коми мулöн юркарö, pronounced “vid-zah koraam komi muh-loan yur-kah-roah”.
And you said Haskell was difficult4 -
Let's Americanize idioms:
1. Break the ice — Open the wallet
2. Bite the bullet — Pay the price
3. Hit the nail on the head — Count the exact change
4. Let the cat out of the bag — Drop a dime
5. Piece of cake — Easy money
6. Costs an arm and a leg — Break the bank
7. Under the weather — In the red
8. The ball is in your court — The check is in your hands
9. Burn the midnight oil — Spend the last dollar
10. Hit the sack — Cash in for the night
11. Barking up the wrong tree — Investing in a bad stock
12. When pigs fly — When money grows on trees
13. Kick the bucket — Cash out
14. Spill the beans — Drop a coin
15. Break a leg — Make a fortune
16. Pull someone's leg — Shortchange someone
17. Once in a blue moon — Once in a financial windfall
18. A blessing in disguise — A hidden treasure
19. The best of both worlds — A double dividend
20. Caught between a rock and a hard place — Between a loan and a hard debt11 -
Linux:
echo name > /etc/hostname
Windows:
This PC -> Properties -> Extended Settings -> Hostname -> OK.
The fuck windows?!
I'm changing a hostname, not taking out a loan.7 -
My main mailbox is so full of spam i almost missed a good job test. Wtf
And these mails are so fucking irrelevant loan, cars, bank, life insurances... I DON'T FUCKING CARE ABOUT THEM, WHY THE FUCK ARE YOU FILLING MY MAILBOX YOU ASSHOLES 😠😠😠
and what's even more weird is how they all have one common sentence in exact formatting : "you can simply WIPE Out your mail from the mailing list".
I feel as if my email has been hacked. Any suggestions?
17 -
Been asked to give a lecture to the freshmen at ye olde alma mater.
They are gonna pay for the air ticket, the shuttle to and from campus and a couple nights at a fairly ok hotel.
Feeling like a fucking rockstar.
...
Gave the lecture. Only half those kids spent the whole time on their phones. My old drinking buddy and now a professor at the school said it was more direct attention than one could expect at a music concert.
...
Feeling kinda scared about how young women dress nowadays, but I do am an old indian dude, so what do I know?
Also, since when is lifting weights and running a half-marathon a requirement for a degree in computer sciences? Turing might have been an Olympian, but I'm pretty sure that since the invention of the integrated circuit my people have spent more time in labs than in gyms. That is not true for those kids.
Maybe it's a freshmen thing, and they will age out of that healthy living nonsense. Maybe the real world will crush it under bills and tuition loan repayments.
...
Tried to ask the university for a refund of the hotel and taxi bills that I've paid out of pocket. Two hours in four different queues and two opposite-sode-of-campus buildings. Suddenly remembered the true meaning of the word "Kafkaesque".
...
Remembering the old uni days with some still-in-grad-school / faculty old friends and getting drunk in the old watering holes? Priceless.2 -
I am trying to apply for a student credit card. Should be relatively simple, but guess what: it isn't. First there was a question on your income. I didn't know if you had to include your student loan by issued by the goverment and after calling the bank, the answer seemed to be no. And the form didn't succeed because your income should be higher than 1 euro. So I've contacted the bank again and it seems that you could just fill in your student loan as income. Okay, so that should fix the problem. So I came very close to completing the form, gave the website me an error in the last step!1
-
I just saw some loan/bank ad that read something around the line "when the budget goes negative, the minus becomes plus" ("Când bugetul dă cu minus, minusul se face plus")
NO, this isn't a feature, it's a bug and it's called "underflow"4 -
Meeen fvck this shit. After my student loan I’m out in this shit ass company men.
So I’m fixing a frontend bug. I’m so into it that I opened more than 10 tabs. So i called my senior on what I found then he want to test something on my workstation so i said im cool with it and then i closes all the TABS man. Comeon!!
Ps: the tabs are sequentially opened to track the bug.12 -
Well I ended up getting two jobs through my college so now I've gotta pick between:
- A legacy maintenance job with a better environment and salary, for a minimum of two years.
OR
-An IT based job with a lower salary but no fixed initial working period.
Advice devRanters?
PS: I am in debt because I took a loan for college tuition. 😐
*Confused*6 -
Okay, this is quite hard to explain properly, but I'm actually scared of my personal future.
In about a year, I finish school and I don't have a straight plan of what to do next. I want to work independently, preferably as a game dev, but I imagine that to be a hard task. I have thought of doing a bachelor's degree in game development, but the university I prefer to go to costs 20k€, which is a huge sum and I don't even know whether it would be actually worth it. The university states that 20% of all their graduated students work independently afterwards and they even offer you a flexible "loan" (not sure if it's the right term) you can pay off while you start working, but I fear I won't be able to pay it back, I cannot imagine making this much money any time soon after I start working independently as game dev. Additionally I fear I won't be able to keep my motivation up, since I struggle doing so already, on the other hand my lack of motivation could be caused by this toxic environment I live in.
I've also considered doing freelancing, but when I'm scrolling through the requests made, I never find something I am experienced in, I don't know what request is best to get started with freelancing.
I just don't know what to do in the future and I'm scared and considering to go to this university is probably pretty stupid already and I consider it as me ranting myself, because of my nonexisting self-esteem. So I don't know what to expect from this post, I just needed to share.1 -
Ah yes, me turning on my laptop.
Of course, this process needs 100% of the CPU, overclock the fans and make it sound like a F16 fighter jet, use up all of my 32 GBs of RAM and loan another 120 GB RAM from the bank under my name.6 -
!rant
God damnit, I'm 20 and already got a burn out due to work (fast food job) and school.
I go to school 5 days a week 8 hours a day and I work every weekend 8 hours a day only so I can afford my study better and to be able to afford my internship to Japan next year.
The worst thing is I'm in a endless loop because if I stop with school I need to work full time to pay off my school loan and if I stop my work I can't pay for part of my school and my internship.
If anyone has any tips for me what to do before this ends badly I will gladly hear them2 -
!dev
I wanted to take small loan from bank I am loyal customer for 15 years to speed up things by month. I decided to pay money for it.
They have some online form for it and I filled it.
So what happened next ?
I got call to confirm every input I filled (heard keyboard typing every time I answered question).
I asked how long I will wait and got response that it will take couple of hours, max 2 days.
Just received another call 10 days later that they need documents to prove my income.
They got 15 years history of every operation and it looks like it means nothing.
I said to person I will earn this money faster then I get it from them so at this point this conversation is just waste of my time.
It’s 10 days left till end of month and I think it will be easier to just wait or ask friend for a favor.
Yet another reason to say fuck banks.
Time is money.7 -
My model has learnt the most important stuff about devRant first. Including its biggest mystery. See screenshot (image upload still broken) https://devrant.molodetz.nl/2024-11....
It drives me crazy, will we ever find out?
Some people say he's on a German Opel/Vauxhall forum now having fun with vroemtards instead of us. I do find myself in a jealous position. "Ngl" like Sid would say. Don't judge, many 30+ year old speak gen Z.
Also, I've heard he drives daily to work in a Lada from an communist era. He has to because he went from self employed back to a loan slave and his new boss refused to pay his expensive public transport tickets while being late every time.
But one thing is almost certain at the moment! He's gonna marry!
(Seriously dude, if she knows your internet history and she still loves you, never let her go)5 -
Hm... Sounds familiar and works pretty well I think? 😀
Imagine a local pizzeria is seeking a $200,000 bank loan to expand its business. Usually, if a bank accepts, the loan is provided with interest. This is a risk for the pizzeria, because if it can’t pay back the loan with interest, the business could suffer or close altogether.
There are other options, though. Imagine instead if the bank offered the pizzeria a $100,000 loan, and required it to raise the rest within the community, selling coupons in a local currency. A $100 coupon might be worth $120 in pizza, for instance. This scheme could help the pizzeria raise the extra funds.
In general, the bank’s risk in offering the loan is also decreased. Customers themselves help a business grow, making it even easier for the pizzeria to repay the original loan.
The pizzeria can now expand without being burdened by huge interest payments, and is confident that the community is eager to support its growth. Customers, in turn, are rewarded by a 20 percent discount on pizza!6 -
Internships just kinda suck.
Like sure I'm probably not as good as the other Devs but knowing I'm getting over 5x less pay than anyone else in the room hurts.
Salaried and it works out at less than minimum wage if you convert it to hourly. Honestly what the fuck.
The experience im getting has been good but having to continue being on a student loan while working 38.5 hours a week is outrageous. Living in an already expensive city and I'm probably spending 10% of my pay on lunch in the office's canteen.10 -
!dev
Student loans soon won't be the only thing on my damn credit score.
Asshole landlord is evicting us to renovate and take advantage of higher home rates, we got a month to figure stuff out
Dad's credit score sucks so I get to put a damn home loan on my score so we don't risk another asshole evicting us if we rent and hope like hell my dad doesn't screw me over
Thank athismo my job pays enough I've been able to save for a good while
At least if we own it we'll be allowed to make modifications without waiting months for permission4 -
Let me tell you a short story. Back in 2016 I resigned my job and started working in my current company 1.10.2016.
One year later in 2017 I got a loan approved on the same date 1.10.2017.
Going forward to today, I resigned my current job moving on and the date when I'm starting the new job is also 1.10. and to make more interesting the load is ending on the same date. I was already thinking about that date and the coincidence and remembered that my wife's birthday is on the SAME date, now I'm afraid and have a feeling that something else will happen hahah
What do you think am I just overthinking or? :D5 -
I was once working at very successful startup as lead android engineer, when another startup contacted me and offered me a better paid and "stable" position. 9 months later I woke up on the 1st of the month (1st June 2018), checking my bank account: No payment. I go to office, boss comes in : hey guys, we're bankrupt and we can't pay your salary.
Today still no salary, we're waiting now for court to officially declare the startup bankrupt and then Government will pay me my last 3 salaries, while my working contract is still valid for 3 months after company gets declared officially as bankrupt. We're being expected to work as nothing would be, with no money on our bank accounts (we've been even told to take a temporary loan) and that sooner or later somebody will buy us off. Oh, it would be also really nice from us if we would not be looking for a new "challenge". What'd you do?3 -
!developer_rant
Ok, so my pc is on it's way out (Cries in the corner) so i thought i would just bite the bullet and buy my new system, comes to around $1800 AUD without the GPU which i already have... So i decided I would use zipmoney as i prefer to pay by month (yes i know it costs a little bit each month) but... My application got declined for a $2000 account... So you are telling me i was able to apply for a bank loan last year for $4000 and get approved, get approved to rent a house... I have a perfect credit rating but apparently i dont qualify for a simple loan because i dont earn enough... I'm earning almost double what i was when I applied for a fucking bank loan!5 -
Really trying to tutor my friend so he can land a front end position. He's currently working in fast food and is about to be hit by crippling student loan debt. Is there anything better I can do to give him a hand? I'm fairly entry level myself but I know what I'm doing. I've started teaching him Git and told him to focus on knowing HTML and CSS, and to use vanilla JS if he wants to practice.
He's still really early on, like trying to figure out which elements have hrefs and trying to remember the difference between classes and IDs. Think I'll be able to coach him into an internship offer by the end of the year?3 -
Some programmer or QA person somewhere in the world is having a moment of great reflection on the subject of thoroughly testing their code. If not that, then on the subject of a super crappy manager who knew better and pushed to production anyway.
“Then in September this year, nearly three years later, he got a letter from Wells Fargo. "Dear Jose Aguilar," it read, "We made a mistake… we're sorry." It said the decision on his loan modification was based "on a faulty calculation" and his loan "should have been" approved.
"It's just like, 'Are you serious? Are you kidding me?' Like they destroyed my kids' life and my life, and now you want me to – 'We're sorry?'"
https://cbsnews.com/news/... -
TFW when errors like this happen while trying to buy a laptop online from one of the biggest tech companies in the world.
1 -
Today a lettre has arrived, the compagny hasn't payed the loan for a full year, hope I Can finish my internship before the sink2
-
Should I study or not.
I'm in a rut, yet again. I have an opportunity to start a java certification. The course is going to cost me quite a bit, and i will have to loan from the bank. At the moment I'm struggling financially, but my dreams are set on programming.
Should I take it, or do I negate the risk and do what I'm comfortable with.5 -
I've been waiting to pull the plug and move to a new company for some time now... The only reason I haven't done it yet is, I don't like too many variables. I am waiting to pay off a loan before going job hunting, but saw an ad this morning which tickled me a little bit... So, I'm job hunting after 1156 again... Only this time, I am in no rush (not to temp fate) and will try and find a better job
-
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Support for Struggling Homeowners with Patty Navarro - LUXURY COLLECTIVE Sherman Oaks
Homeownership is a significant part of many people's lives, offering stability, security, and a sense of accomplishment. However, life doesn't always go as planned. Whether it’s due to financial challenges, job loss, or unexpected circumstances, some homeowners may find themselves struggling to maintain their property. If you're in this situation, you don't have to face it alone. At LUXURY COLLECTIVE in Sherman Oaks, Patty Navarro is here to offer expert guidance and support for struggling homeowners, helping you find solutions and peace of mind during difficult times.
Located at 14242 Ventura Blvd, Suite 100, Sherman Oaks, CA 91423, Patty Navarro specializes in assisting homeowners who are facing financial hardship, foreclosure, or other real estate-related challenges. With her compassionate approach, knowledge of the local market, and strategic problem-solving, Patty can provide the support you need to move forward with confidence.
Understanding the Challenges of Struggling Homeowners
Many homeowners face difficult circumstances that can make it challenging to stay current with mortgage payments, property taxes, and other home-related expenses. Whether it’s a temporary setback or an ongoing financial issue, being behind on payments can cause stress and worry about the future of your home.
Common struggles for homeowners include:
Foreclosure Risk: If you're unable to make mortgage payments, you may be at risk of foreclosure. The thought of losing your home can be overwhelming, but there are often solutions that can prevent foreclosure and help you keep your property.
Behind on Property Taxes: If you're struggling to pay property taxes, you may face penalties, liens, or even tax foreclosure. It's essential to understand your options to avoid further financial strain.
Mortgage Delinquency: Missing mortgage payments due to job loss, medical expenses, or other unforeseen circumstances can put your homeownership in jeopardy.
Divorce or Family Transitions: Changes in personal circumstances, such as a divorce or the passing of a loved one, can create financial strain that makes it difficult to maintain your home.
If you're facing any of these challenges, Patty Navarro at LUXURY COLLECTIVE is ready to provide the support for struggling homeowners that can help you navigate through difficult times with clarity and direction.
How Patty Navarro Can Help Struggling Homeowners
1. Expert Advice on Foreclosure Prevention
One of the most distressing challenges for homeowners is the risk of foreclosure. Patty Navarro understands how stressful this can be, and she’s committed to helping you explore all available options to avoid losing your home. Patty will work with you to understand your situation, communicate with your lender, and present potential solutions, such as loan modifications, refinancing options, or even negotiating a short sale if keeping the home isn't viable.
2. Assistance with Selling Your Home Quickly
If keeping your home is no longer an option, Patty can help you sell your property quickly and effectively. She understands the urgency of the situation and works diligently to get your home on the market, attract qualified buyers, and close the sale as fast as possible. Patty’s comprehensive marketing strategies, professional staging, and strong negotiation skills ensure that your home sells for the best possible price under your circumstances.
3. Property Tax Solutions
If you are behind on property taxes and facing the possibility of a lien or tax foreclosure, Patty offers solutions to help you avoid this outcome. She can guide you through options such as negotiating a payment plan with the tax authorities or selling your property quickly to pay off the taxes. Patty’s expertise in navigating these situations can provide you with the breathing room you need to avoid further penalties or the loss of your property.
4. Probate and Inherited Property Assistance
In some cases, homeowners may struggle with a property inherited through probate. Managing a home in probate can be overwhelming, especially if you’re not familiar with the legalities or financial responsibilities. Patty Navarro specializes in probate real estate transactions and can help you navigate the complexities of selling inherited property. Whether you’re looking to sell or manage the property, Patty will provide you with the guidance you need to make the best decision.
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What is Payday Loan? How Do Payday Loans Work?
In this post, we'll discuss what exactly a payday loan is, the payday loan application process, and understanding how exactly payday loans work.
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Yash Duggal - Trusted Mortgage Broker at Think and Grow Finance: Offering Free Home Loan and Mortgage Broker Consultations
At Think and Grow Finance, Yash Duggal is your dedicated and trusted mortgage broker, serving the Melbourne area with expert advice and tailored home loan solutions. Whether you’re a first-time homebuyer, refinancing your current mortgage, or looking to invest in property, Yash Duggal offers free consultations to help you navigate the mortgage process with ease and confidence.
Located at 14 Cabarita St, Truganina VIC 3029, Yash is committed to providing a personalized service to every client, ensuring you get the best loan options available. With his extensive experience in the mortgage industry, he will guide you step by step to find the right financial solutions for your unique situation.
Why Choose Yash Duggal - Trusted Mortgage Broker?
Finding the right home loan or mortgage can be a daunting process. However, with the help of a professional, the journey can become much smoother. Here’s why Yash Duggal, your trusted mortgage broker, is the right choice:
Free Home Loan Consultation: At Think and Grow Finance, we believe in transparency and giving our clients a clear understanding of their options. That's why we offer a home loan free consultation, where you can discuss your needs and goals with Yash, without any obligation. During this session, you’ll learn about different mortgage products, the loan process, and the best options available based on your specific circumstances.
Comprehensive Mortgage Advice: As a professional mortgage broker, Yash has access to a wide range of lenders and loan products. This gives you the opportunity to compare various mortgage options and find the one that suits your financial goals. His advice is completely unbiased, as he works independently and is committed to securing the best deal for you.
Personalized Loan Solutions: Every financial situation is unique, and Yash takes the time to get to know you and understand your specific needs. Whether you're buying your first home, refinancing, or looking to invest, he will help you find the most suitable loan option for your individual circumstances.
Expert Support Throughout the Process: From your initial free consultation to the settlement of your loan, Yash is with you every step of the way. He’ll help you gather all necessary documents, answer any questions you have, and ensure your loan application is processed smoothly.
How Can a Free Consultation Benefit You?
A free consultation with Yash Duggal is the perfect way to kickstart your home loan or mortgage journey. Here’s how it can benefit you:
Clarity on Your Loan Options: Whether you're new to the world of home loans or an experienced borrower, a free consultation will help you understand your loan options. Yash will provide an in-depth overview of different mortgage products, such as fixed-rate loans, variable-rate loans, and interest-only loans, to ensure you make an informed decision.
No Pressure, No Obligation: One of the best aspects of a mortgage broker free consultation with Yash is that it’s completely obligation-free. You won’t feel pressured to make decisions during the consultation. Instead, you can take the time you need to review your options and decide what’s best for you.
Customized Advice for Your Needs: Yash’s consultations are personalized to meet your specific needs. He will take into account factors like your income, credit history, and future financial goals to recommend the right loan products and lenders. This tailored approach ensures that you get a loan that fits your budget and long-term financial plans.
Save Time and Money: Working with a professional mortgage broker like Yash means you won’t waste time searching through multiple lenders. Yash does the hard work for you, finding the most competitive rates and ensuring your loan application is submitted to the best lenders for your needs.
Contact Yash Duggal for a Free Consultation Today!
If you're looking for a home loan free consultation or a mortgage broker free consultation, Yash Duggal at Think and Grow Finance is here to help. Yash is committed to making the home loan process as easy and transparent as possible for you.
Visit 14 Cabarita St, Truganina VIC 3029, or call +61401545302 to schedule your free consultation today. Let Yash Duggal assist you in finding the perfect loan option and take the first step toward achieving your financial and property goals!
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HOW TO RECOVER LOST/STOLEN USDT WALLET : HIRE SUPREME PEREGRINE RECOVERY
I would like to take this opportunity to express my gratitude to SUPREME PEREGRINE RECOVERY for working with my husband to recover $345,000 worth of stolen cryptocurrency using their hacking skills. I was initially skeptical, but it worked and we received our money back. I'm delighted I found them early because they recovered about 98% of the total amount we lost. We had assumed that we would never receive our money back from those fraudulent online investment websites...
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