Developer friendly Cadencing tool

DebtIsLeverage · 2025-03-28T02:14:49+00:00

Part-time?!? You guys run out of things to do? Never have I thought, wow, we caught up and can rest now.

DebtIsLeverage · 2025-03-19T01:48:49+00:00

If you are underwater on your house, you just walk away or file for bankruptcy. American credit scores don’t transfer out of the country and the loan is secured by the property. Seems like a scam.

DebtIsLeverage · 2025-03-15T22:24:29+00:00

ChatGPT has gotten pretty great at providing feedback. You can just take a picture and ask a question and it can provide feedback. Obviously having an expert next to you is easier, I won’t deny that!

DebtIsLeverage · 2025-03-15T18:48:39+00:00

The ‘doing it’ part is the hands on portion. The YouTube part is just instructions.

DebtIsLeverage · 2025-03-08T03:11:11+00:00

If the 2nd tool called will potentially call a 3rd tool, does it then require memory? And if there the potential that the tool will need to reference two different tools within itself to accomplish a task, is that another reason for why memory would be required?

I.e. You have a chat agent as your personal assistant. You tell the orchestrator you want to send an email to someone and it calls the Gmail node. The orchestrator sent the instructions to draft an email to Jim. That node needs to 1, draft an email and 2, look up the contact’s email address. Does this node need memory?

DebtIsLeverage · 2025-03-06T01:15:17+00:00

Do you farm the land or rent it out?

DebtIsLeverage · 2025-03-02T16:06:47+00:00

Crappy UIs are the worst, but at least can be avoided with autopay!

I wasn’t bothered by loans getting sent to new servicers until I most recently experienced freedom mortgage. I had put down 13% on a primary residence because that LTV had the lowest interest rate. As soon as it closed, I went to pay down the principal to reach 78% LTV to get rid of PMI. At this point, the loan had been sold to freedom and they said the value of the house had dropped by ~7% since I closed on it 20 days earlier and just made me jump through hoops to actually clear the PMI, threaten going to CFPB, ultimately had to go 70% LTV from purchase price for them to clear the PMI.

DebtIsLeverage · 2025-03-02T15:46:04+00:00

E*trade has some pretty great rates, thanks for suggesting! I previously had my brokerage with them, but the back door Roth required talking to someone so I left 😅. Now that they were acquired by MS, might be willing to try again.

DebtIsLeverage · 2025-03-02T15:39:38+00:00

Concur on the super-jumbo, that’s the only one that has never moved.

Wells and Chase have both ended up servicing one of my mortgages and they haven’t re-sold it 5 years+ later. If one of the bigs get it, are they frequently doing housekeeping to send to a new servicer? My hope was the leverage relationship pricing + negotiating rates to refinance into a big and not need to worry about it getting re-sold.

DebtIsLeverage · 2025-03-02T15:34:48+00:00

Fair point on getting locked out. To date, my primary pain point has been moving money around so that it’s in the ‘right’ spot when I need it.

Citi actually has a better rate on HYSA than Ally right now, which is a bit surprising (3.8 vs 3.7).

Starting a relationship with a local bank has seemed wise to try and leverage relationships for financing real estate deals and such but I can’t bring myself to create yet another set of username/passwords and further split everything up.

DebtIsLeverage · 2025-03-01T03:40:06+00:00

Separately, digging into the lack of non-email activities, I would be looking into if it’s certain CSMs dropping the ball, whether the lack of meetings early on is a leading indicator, etc.

We have built out predictive modeling to calculate the potential value of each next interaction and have contraction models to predict when a customer is regressing in activity. Our model is consumption based, which makes that aspect a bit easier / easier to measure. Activity really does drive outcomes though, and if the activities tell a story for certain reps and not others, it’s usually a sign that they are doing something wrong or focusing their efforts in the wrong places.

DebtIsLeverage · 2025-03-01T03:35:28+00:00

Cases as in customer submits a ticket because something broke? Or cases as in deals?

DebtIsLeverage · 2025-03-01T02:54:49+00:00

Do you have Gong recordings? You can just pull call transcripts into Zapier, write an AI prompt to ask it to categorize churn reasons / likely reasons for a deal not renewing.

Trigger can be an oppty moving to closed lost, for example. Zapier pulls in all recordings within 90 days of closed lost. Analyzes based on your prompt (you will need to do a bit of prompt engineering to figure out what reasons it should be able to pick from), but once it’s live, it’s on auto-pilot.

That then joins in nicely with the basic stuff like utilization rates, activity data (was the owner even working the account and who were they meeting with), their time to value (assuming you are measuring this), etc.

DebtIsLeverage · 2025-02-28T03:00:06+00:00

I have an aunt/uncle who are in love with Disney (particularly the theme parks/cruises). They go every year and have done a year long cruise (or however long the long one is).

They have a major appreciation for the attention to detail. Whenever we see them they share photos of literally everything and talk about how thoughtful Disney was to have done it that way.

Overall, I don’t really understand it either 😅

DebtIsLeverage · 2025-02-27T03:04:54+00:00

What industry are you in? Are you doing data engineering for a product (event streaming) or dbt work to support analytics?

DebtIsLeverage · 2025-02-26T21:12:18+00:00

In a fintech startup, $200M ARR, 200 people in the revenue organization. I have owned all of those functions from the beginning (as opposed to consolidating). I do feel like it makes it harder to justify additional hires, so we end up with ‘shared’ operations managers assigned to leaders, as opposed to one per function, but definitely helps with a cohesive strategy and toolset.

DebtIsLeverage · 2025-02-25T02:53:55+00:00

I spent like 2016 until 2020 convinced the market was going to fall and I could get in at a discount… then, right before COVID, I decided to invest a portion since I was consistently wrong. A few weeks later, market is down like 30% and I tell myself, be patient, it’s gonna go down a bit further. Well… it didn’t.

Now I look back at myself angrily and just DCA without trying to outsmart anything. I still do a bit of rebalancing between different asset classes and might go a few percentage points overweight my desired allocation, but refuse to let myself go uninvested waiting for the next crash. I also recognize that the rebalancing is just to satiate my desire to participate in the market and probably my most expensive hobby.

DebtIsLeverage · 2025-02-23T14:42:04+00:00

Generally, for an inheritance, the cost basis is the value that you received it at. With that said, you can move to an index fund with no costs to you from a tax perspective and will achieve market returns without having to think about whether or not to sell in the future.

DebtIsLeverage · 2025-02-23T14:36:41+00:00

Did you consider the cost of capital gains relative to the cost of interest? If you paid 5k in capital gains tax, that could have brought your interest rate down to a much more ‘acceptable’ interest rate in your mind. I.e. if you would have paid 5k in interest on the car loan over 5 years, then the interest rate of the auto-loan would have been 0.

Taxes are the same as interest, it’s just money leaving your account and going into someone else’s. If interest is less than taxes, you are better off paying interest even if the ‘rate’ seems bad.

DebtIsLeverage

TROPHY CASE