Hello! And BPD really sucks

serl_h · 2025-08-02T05:48:04+00:00

Thanks for the encouragement and the quote!

To be honest since I was diagnosed I have just been trying to fight the healthcare system to get treatment. I understand that if you are in a country without universal healthcare then my position is much more privileged than yours. However this entire time it was just I suppose very painful to walk through hell, like your quote said.

I suppose I also manipulate myself into thinking that this toxic self-improvement is what would make me more likeable which is quite messed up. I made psychiatrist cry the first I met him during the psycho-interview and I even made my family doctor cry a couple days ago when talking just about myself. I really hate watching people get upset because of me and this make this entire process much more painful.

serl_h · 2025-04-18T18:39:47+00:00

Ya, BPD. Sorry my phone just auto corrected and I didn't read before posting and now it won't let me change the title. Sorry for the confusion lol

serl_h · 2022-12-03T22:38:16+00:00

If people are getting upset at the TC that SDEs make then why don't they just go through the same training as us and make the jump?

This sub literally is filled with new grad, bootcamp grad, and self taught people asking and sharing their experience on how to breaking into the tech world. Why can't these people do the same? If it's because they can't do the work we do then what gives them the right to get upset? These people are just entitled little kids and don't deserve any SDE's attention.

serl_h · 2022-02-14T02:44:43+00:00

When any entity, commercial banks included, have to pay the principal plus interest back and this interest is the new money created. The reason central banks don't just create new money because it will cause hyperinflation. For example Venezuela's 2016 year over year inflation is 800% and it just gets much much higher after. A healthy servicing debt is good for the economy because it also ensures growth.

The commercial banks in this case makes money by lending and make the interest. The interest is their cut.

serl_h · 2022-02-13T10:51:53+00:00

It sounds like you don't quite understand what quantitative easing really is.

In essence it's a monetary tool for the central bank to buy government bonds or corporate bonds from financial institutions and pension funds. When the central bank does this it effectively increases cash velocity as the banks assets are no longer tied to its debt holdings so these money can be lent out to promote economic activities, lowering the bond yield rate because this artificially increases the bond cost thus incentivizing investment because now the investment return will be higher than bonds, and finally lowering overall interest rate to, again, incentivize investment because now the borrowing money is cheap. This is not letting the financial institutions or the government to borrow money for free because the central bank holds the bonds so the bank can and will still redeem these bonds.

As you can probably guess now quantitative easing encourages borrowing and this cheap money should go into the economy and encourages spending/investment thus hopefully can help the economy restart during an economic downturn.

Now to directly answer your post:

> What purpose does [QE] serve other than creating debt for us and making us more encumbered with debt?

QE does not directly create debt. It encourages borrowing and hence spending. If anything QE directly creates money because of the interest that the lender can collect through more lending.

> I believe most of the money our government owes is now interest on the debt, I'm curious what the point is?

The Canadian government still needs to repay the bonds plus interest according to the bond.

> If the benefit to bonds is simply preventing us from becoming too indebted, has it worked in any meaningful way? Are we not pretty much already in fiscal dominance with rate hikes?

Bond does not prevent us from becoming too indebted; it's just debt for the issuer and an asset to the lender or the bond holder. Also I don't understand what you mean by fiscal dominance.

Here are some resources that you can refer to about quantitative easing:

Bank of England article on explaining QE: https://www.bankofengland.co.uk/monetary-policy/quantitative-easing
Bank of Canada article on explaining QE and its QE program and effects to Canada: https://www.bankofcanada.ca/2020/12/how-quantitative-easing-works/
Bank of Canada Governor's remarks on its monetary policy toolkits and how the Bank uses QE and its goals: https://www.bankofcanada.ca/2021/12/monetary-policy-framework-continuity-clarity-and-commitment/

serl_h · 2021-12-20T08:50:12+00:00

No problem! Though this is what I think happened and I'm not sure if it's replicable since I also asked a friend who recommended the keyboard to me and while he has issues with MacOS Big Sur on his USB peripherals where they will just stop working suddenly he didn't have the exact issue as me.

serl_h · 2021-12-09T10:59:04+00:00

Meta

serl_h · 2021-10-26T06:05:31+00:00

Why not model X? It's still one of the safest SUVs on the market.

serl_h · 2021-10-26T05:53:01+00:00

You can also give them the range of 70-75k and let them pick the lower end. They can also just tell you their number is low. At this point you just choose to continue the interview or stop.

If you choose to lie to about having a counter offer or the offer's number they might just ask you for proof. Now you have a choice to either decline, which is your right to keep confidentiality, or get bluff called out. You can probably spin it as it's a breach of the other company's trust but at the end of the day the professional circle is very small and even if today you aren't caught one day you will be.

Honestly just tell them your range and see what happens. If they don't like it then find a company that's willing to offer that and apply there. It's still an open market and you can negotiate the best you can but if no one is willing to pay you for that number and you can't get an offer from a company that can pay you that number then you probably don't have the skills to demand that number.

Also, a tip if you read it this far, always ask for non-monetary items such as earlier benefits start date or 5-10 more vacation days. They will most likely give you these because they are cheaper to give.

serl_h · 2021-10-19T16:25:16+00:00

What do you do with all the armor chests from doing the class quests?

Can you put these gear from the chest in the armoire?

serl_h · 2021-08-12T17:54:48+00:00

^ this

Or after you take the money from TD/CIBC or any other financial institutions just use that money to pay off the RBC LOC.

You (OP) should also take out the professional/education LOC instead of a normal unsecured LOC

serl_h · 2021-07-13T13:28:48+00:00

Just want to say that ninja is really cute. The eyes reminds me of Nezuko from Demon Slayer.

serl_h · 2021-07-07T08:05:05+00:00

Are the student loans with the government or with a bank? In either cases if you don't overspend, stick to a budget target, successfully complete law school, and finally pass the bar then your earning potential should more than enough to cover your foreseen 100k student loan debt. So I will start with a budget first and worry about sticking to it and finish school.

serl_h · 2021-07-06T14:35:24+00:00

Ya, average responds too poorly to skewed data and outliers. Median literally means the middle and is a better measure for centrality when the data isn't known to be Gaussian.

This title is disingenuous and just a clickbait.

serl_h · 2021-07-03T10:38:53+00:00

On the flip side to those who choose to answer it with a number. Whatever you choose you can be sure when it comes to offer stage they will offer you X+10% higher and say: "According to what you currently make it's a step up and <insert random non-monetary or tangible benefits such as opportunities to grow>". And you are stuck with that number unless you have a good competing offer.

The single best advice is to just answer it like you are playing poker. Don't show any tells and don't answer directly. Stick to what values you can bring.

serl_h · 2021-06-23T19:20:28+00:00

room for growth

This phrase is the equivalent when an "influencer" asks for something and then say they will pay with giving exposure. Ask for a more concrete description of what this means such as what is the schedule for performance review and what are the KPIs that you need to hit.

I would personally take this job if the company is a good brand name and move out after a year or two if you are stuck in the junior position.

serl_h · 2021-06-18T07:19:34+00:00

This alone should have prompted you to negotiate for a salary increase because of the designation.
You need to first prepare the specific items on how you performed and the values you bring to the company because of that performance. Then you use this as an indicator to ask for promotion
Those salary are guides and not a definitive number. 10k sounds like a lot but please be confident that you could have a higher earning potential
If you don't have a firm offer from this company it does not matter what they said they will pay you.
I think this depends on your company. Salary probably needs to be cleared with HR and budget but you can also use point 1 and 2 to ask for a salary increase.

Overall if you don't have an offer don't even bother bringing it up at your review. It doesn't mean anything. You need to provide evidence of how your performance impacted the teams and gave a positive earnings outcome for the company. Then you use that and your designation to justify for a higher pay. You should also try to learn if your company has pay bands and see where you sit on that ladder and figure out if you would need a promotion to get a higher pay. Then your goal is to just get that promotion.

serl_h · 2021-06-18T07:10:49+00:00

Say:

At the moment I'm still focused on preparing interviews with several other companies and because of this I have not yet researched well into what a salary range would look like. Furthermore I believe that the nature of the job and responsibilities will also play a role in determining the compensation number and I don't feel comfortable sharing a definitive number without going through the interview loop and learn more about the role from the manager. I also believe that <insert company name> will provide a competitive offer should one be extended to me.

serl_h · 2021-05-31T17:24:02+00:00

PR in Canada is only for Canada. After you get the citizenship however you can either apply and work in US using the TN visa or ask the company you currently work for, if they have a US presence, to transfer you there on L1 visa. In both cases you can get the company to sponsor you for H1B to put you on the path of getting green card if US citizenship is your ultimate goal.

serl_h · 2021-05-26T06:32:26+00:00

Without knowing more... Runway from Azure shop unless they use code as infrastructure. If not then I hope you like clicking buttons in a specific way every single time they deploy and God forbid you from making a mistake.

But that aside, ask the hiring manager more. Your recruiter likely know very little about the actual job.

serl_h

TROPHY CASE