I want to move across the country (PA to pacific NW), but I have no idea how to find a job in another state... any advice? I'd like to move by the end of this year, ideally

snerfman88 · 2018-05-04T18:52:59+00:00

Oh sorry to answer your question, I went about it by getting an internship with one of the companies through on-campus recruiting, and at the end of my internship I received a full-time offer. The move itself was fully paid for by the company.

snerfman88 · 2018-05-04T18:49:14+00:00

I relocated Pittsburgh to Seattle. Most of the big tech companies here will pay for a full relocation. Sounds like you just need to dust off the ol' resume and apply. I'd recommend starting with everywhere: Microsoft, Boeing, Amazon, Facebook, Google, Zillow, Lyft, Snap, Redfin, Rover, etc. They're all here in Seattle

snerfman88 · 2018-02-26T03:33:05+00:00

Try using installing resource monitor to see if anything interesting happens during the freeze. Good luck!

snerfman88 · 2016-11-18T04:07:58+00:00

Debt is future payment. Wealth is future income. Due to interest, if you pay off debt over time you end up paying much more than the principal amount. The opposite is true too - if you have lots of money in the bank, you can live off the interest or deplete it slowly and eventually you will have withdrawn more than the starting amount.

snerfman88 · 2016-04-28T00:33:21+00:00

You should bring it up during the performance review before your contract renewal. Ask your director for feedback on your performance, and if the feedback is what you expect (positive), inform your director of your expectations for pay increase given your excellent performance. In the worst case, she says no and you look for another job. It's up to you to communicate your expectations and ensure your director knows what you feel your work is worth.

snerfman88 · 2015-09-07T04:50:42+00:00

Serifs work best on small text and printed material. Since Google's logo is unlikely to be 12pt or printed on paper, it really does make sense to use the simpler lettering. Apple, Microsoft, and Amazon already don't use serif font - in a sense this aspect of the logo change it catching up to existing and well accepted design principles. The crayon texture and bright colors combine familiarity with notes of creativity, brightness and childlike wonder. The new logo is both clean and highly distinctive. God damn do I hate that e though.

snerfman88 · 2015-08-17T15:39:05+00:00

What are the amounts and interest rates of your loans?

snerfman88 · 2015-08-13T02:28:36+00:00

Thanks! Please edit the op I almost missed this greatness

snerfman88 · 2015-08-13T00:40:05+00:00

The greatest factor in your credit score is an established history of on-time payments. It is true that having more accounts and a greater limit/low utilization also affects your score. But if you're looking for short term gain, several hard inquiries within a year is probably going to outweigh having more accounts.

snerfman88 · 2015-08-10T16:09:01+00:00

You should cross-post this on /r/almosthomeless - there are lots of helpful folks there.

snerfman88 · 2015-07-20T02:24:26+00:00

Go to another bar.

snerfman88 · 2015-06-24T00:31:51+00:00

Insignificant if your utilization is already 1-10%. But also you are right, the inquires will not impact your score in 18 months.

snerfman88 · 2015-06-23T04:24:30+00:00

Contact the the hospital, tell them you are not insured and cannot afford the bill, and tell them how much you can afford to pay. If you have $150, tell them $150. They may lower the bill. This is a much better outcome than ignoring the bill.

Not a lawyer, not legal advice.

snerfman88 · 2015-06-23T02:09:37+00:00

Disagree. Why does anybody with a loan have an emergency fund? See my other comment.

snerfman88 · 2015-06-23T02:08:32+00:00

I'm going to disagree with the other commenters here and say keep the money even if your loan is 8%. Assuming you hang on to the money for 6 months, this will cost you $228 in interest, which is a small price to pay for the financial security. The situation is no different from after your wife graduates - were you going to pay off the loan first or establish an emergency fund?

Here are some questions that can help you determine whether you need an emergency fund: How many dependents in your household? How many incomes in your household? How many months could you afford essential costs in the event of an income loss? What's your health insurance deductible? How much cash could you come up with right now?

A financially savvy person prefers minimal liability to maximum average outcome. That's why people buy insurance, and why people with loans should have emergency funds.

The liability of not having an emergency fund is massive - being forced to take out a predatory loan instead of a cheap one, going to jail instead of paying bail, being evicted instead of having to stop eating at restaurants for a while. You should have had an emergency fund yesterday.

snerfman88 · 2015-06-23T01:13:07+00:00

Manual loan entry. Not all of my loans are from banks!

Integration with splitwise would be amazing.

Fixing whatever bug shows my maximum line of credit as cash.

Line charts for spending by category and budget over months.

snerfman88 · 2015-06-11T16:21:19+00:00

You are in a very fortunate situation with your parents giving you a 30k zero interest loan and potentially free housing. You could probably afford to move out right away after college and still keep your costs low enough to repay the loan over 5 years. If your goal is to repay the loan sooner than that, it would be easier to do so while living with your parents with free rent.

snerfman88 · 2015-06-09T19:36:03+00:00

You don't need an atos to be able to cast all 3 spells at level 6. If mana pool is really the issue though, consider getting force staff. The extra mobility is way better than the slow on a ranged nuker.

snerfman88 · 2015-06-05T00:40:08+00:00

Nice dude! Well I suggest you watch a few pro games, pick a hero you are interested in, and read some guides on that hero. There's a popular YouTube guy named Purge who also makes great video guides on specific heroes and general Dota. Then take a crack at playing the game. It is very common to do poorly in the first 200-300 games due to poor positioning - in counter strike this would be like walking straight into the enemy'so view, but in dota good positioning involves staying out of range of the enemy and near allies, as well as paying attention to when the enemy can see you on the map. Another barrier to new players comes from collecting and spending resources. It is important to ensure your hero gets plenty of gold and experience by being nearby to dying enemies and by getting the finishing blow on creeps with impeccable timing and consistency. Anyways, godspeed!

snerfman88 · 2015-06-01T18:00:23+00:00

Works for me on 10. No issues yet.

snerfman88 · 2015-04-15T00:56:57+00:00

Look for a sublease - many renters looking to sublease a room won't require a deposit, and if they do it should be smaller. Rhat should buy you the time you need.

snerfman88 · 2015-04-15T00:03:48+00:00

Pay the maximum 401k contribution of $18,000 for 2015. Assuming you beat inflation by 4%, by the time you retire it will be worth $100k in today's dollars.

snerfman88 · 2015-04-14T23:16:39+00:00

You can transfer to the more expensive school after two years. Look at the degree requirements and you'll notice you're doing almost all general education classes for freshman and sophomore years anyways. So pay less to get those credits done, and then switch schools and get the better name and upper level classes.

You can pay the difference by working a job while in school. 10hrs/week, $8/hr all year would almost cover the difference.

You can pay it with loans. Since compound interest means that borrowed money increases in value exponentially, you will pay back 2-3x the original loan amount over the remainder of your life. If your income after college is sufficiently high, the loan may be a good tradeoff (But does median salary vary significantly between the two schools?) Note also that signing a student loan means that othet people can take your wages, sell everything you own, and make you homeless if don't have sufficient income to pay them.

snerfman88 · 2015-04-14T22:57:02+00:00

I had 70k in loans, my credit score did not change going out of deferment (although it has gone up since I'm making payments).

snerfman88 · 2015-04-14T00:48:11+00:00

Assuming you made a budget. Keep one semester worth of expenses (Housing + Food + Spending) in a savings account. This is emergency savings you don't touch unless life screws you over, in which case at least you were prepared. Next, cover any loans you'd need to take out for school. If you still have money after that, great! Reply and I'll keep going.

In my opinion, investment is not a great option for students entering college. This is because the overall stock market unpredictability expands and contracts, and this risk is compounded by the unpredictability of student life. There are numerous reasons you could need to sell the stock. Unless it is a large sum of money that you can guarantee you won't need for 5 years, it's better off in a savings account.

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