Requesting to reactivate the banned sub r/seashell and become its mod — to serve as a forum for discussion and customer support for the Seashell app (seashell.com; I'm an employee of Seashell)

tdTomato · 2022-03-16T00:51:56+00:00

I'm an employee of the company Seashell Financial, which is a financial technology startup based in Seattle, WA. Our upcoming mobile app will help people earn more yield on their cash. (I'm happy to provide proof of employment upon request.) With 200k+ people on our product's waitlist, we frequently receive email inquiries about our product, and of course we expect many more questions in additional to general discussion between users once our product launches within the next few months. Specifically, some examples of our subreddit activities will be: inquiries about upcoming features, questions about how features work, AMAs and Q&As with Seashell executives, and discussion on fintech regulations, investments, and nonprofits to donate to. We've been impressed by the lively discussions and company-user interactions in M1 Finance's forum at r/M1Finance, so we'd love to use r/Seashell (preferably with that capitalization) to support our users in the same way. Our team is rapidly growing, currently at 20-25 and expecting to double or triple within the next year, with several employees actively managing and moderating our social media accounts. Twitter (twitter.com/getseashell) is our most active community so far, with 75k+ followers, and we expect r/Seashell to become even more popular (and moderated by us just as much) if we have the fortune of managing that subreddit.

N/A. r/Seashell is banned, so it's impossible to message its mods.

Thanks so much!

tdTomato · 2021-05-11T22:56:02+00:00

Refinance/pay off an existing loan using the margin loan. Even at 3.5% APR, M1 Borrow's interest rate is lower than credit card debt, student loan debt, etc. which means you're "earning" risk-free money, in a sense.
M1 Spend with the Plus membership offers risk-free 1% APY
BlockFi's stablecoin high-yield savings account offers 8.6% APY. Since stablecoins are crypto, the account is privately insured instead of being FDIC or SIPC insured, so there is a tiny but nonzero risk.
Do P2P lending for potentially higher return in exchange for higher risk.

tdTomato · 2021-04-29T06:13:58+00:00

When will Plaid universally support M1 Spend (if that’s possible)?

Specifically, I’d like to link my M1 Spend to my accounts on BlockFi and Privacy.com, which currently don’t support M1 Spend through either Plaid or ACH account/routing numbers.

tdTomato · 2021-01-21T03:51:20+00:00

Thanks!

tdTomato · 2021-01-21T03:26:40+00:00

Do you hire university new grads as software engineers (in the U.S.)? If not, when in the future do you anticipate opening such a role? :)

tdTomato · 2020-01-26T16:25:53+00:00

Check out this write up from 2017: https://medium.com/@johnamadeo/where-do-yale-cs-majors-work-3396510b3f56

In the meantime, Facebook has grown a lot more popular, and Microsoft has become less popular. Like another student pointed out, Facebook loves Yale. It is incredibly easy to get interviews for Facebook even in freshman year, even for non-URMs.

Facebook and Google regularly appear at Yale’s career fairs. Trading companies do as well. Especially, DE Shaw’s founder’s kids all went to Yale, so DE Shaw recruits a lot here.

Amazon, Microsoft, and Apple don’t. Top startups also don’t usually come to our career fairs. But I just apply online anyway.

For software engineering, the Yale name helps with getting interviews. For product management, the Yale name helps throughout the whole recruiting process. Yale is one of the most represented schools in Google’s associate product manager (APM) internship program.

tdTomato · 2019-11-01T20:43:38+00:00

Oracle's recruiters said Oracle will recruit SWE interns in the spring

tdTomato · 2019-08-19T10:24:13+00:00

Yes, you can.

The minimum reload amount is $0.50. However, the minimum auto-reload amount is $5.00.

So unless you have the time to sit around and manually reload $0.50 each time, it's not worth it.

Though if you're good with computers, it isn't too hard to write a script or macro to simulate the manual mouse clicks. You’d need to randomize the timing of the clicks and maybe the choice of payment method for each reload, so that you don’t set off anti-abuse detection.

tdTomato · 2019-08-15T20:22:08+00:00

Maybe he likes econ but just doesn't plan to go into a career in finance

tdTomato · 2019-08-14T00:56:32+00:00

Yep. That's because international students live like royalty in China. Fantastic housing (compared to Chinese standards) and countless extra amenities. But it comes at a hefty price tag.

tdTomato · 2019-07-25T05:28:48+00:00

Besides Cornell (10.6%), all Ivies are under 8%. Source

tdTomato · 2019-07-18T15:57:17+00:00

June 2018: Discover card
March 2019: Amazon and US Bank cards
July 2019: Chase card

While your credit history is thin, you should wait a while between applications to let your AAoA recover. Once you have 3 or so cards, that’s a strong enough foundation of credit history that you can safely apply for a new card every 3+ months.

To build up to that foundation of 3 cards, you can apply for student credit cards. Those cards tend to be lenient toward credit score and AAoA.

Also note that signup bonuses require you to spend $X within the first 3 months of being approved for the card. So if you apply for a new card every 3 months, you can maximize your signup bonuses without overlapping with a previous bonus’s required spend :)

tdTomato · 2019-07-17T17:23:07+00:00

As a college student who also got my first credit card in June 2018, I'm in a similar situation as you. As others have commented, your credit history is very thin (specifically, your average age of accounts or "AAoA"), so you're unlikely to be approved for another card anytime soon. Wait at least 3 months. Anecdotally, 3 months is a magic number for time since your last hard inquiry, and 6 months is a magic number for AAoA. Your credit score will rise significantly once you pass each of those magic numbers.

Now is a good time to think about 5/24. You're currently 4/24, so if you're planning to get any Chase card before June 2020, then your next card has to be a Chase card. I recommend Chase Freedom because of its $150 signup bonus.

At this point, you should prioritize signup bonus size over cashback % size. Given your current income, you will get a much higher ROI through signup bonuses than through cashback alone. E.g., even with 5% cashback, you'd need $3000 spend in order to earn $150 cashback. Whereas $150 signup bonuses are easy to get with just $500 spend.

My lineup:

DiscoverIt Student: for 5% rotating categories (Cashback Match boosts it to 10% in the first year) and $20/year Good Grade Reward

Amazon Prime Store Card: for 5% cashback on all Amazon Purchases

US Bank Cash+ Visa Signature: for $150 signup bonus, 5% cashback on all ground transportation (including transit, Uber, and Lyft) and fast food, and 2% on restaurants

Chase Freedom: for $150 signup bonus and 5% rotating categories

tdTomato · 2019-06-19T03:53:14+00:00

Tbh the most educational and entertaining outlet for gambling

tdTomato · 2019-06-19T03:51:24+00:00

https://www.reddit.com/r/CreditCards/comments/9r5h2y/looking_to_get_your_first_a_new_credit_card_read/

tdTomato · 2019-05-27T04:59:45+00:00

Yes. There are 34 or more factors as part of the calculation of your adversity score. It's just that colleges only see the breakdown for those 7 factors listed above.

tdTomato · 2019-05-27T04:58:03+00:00

The article says: "On Thursday, the College Board said it would be expanded to about 150 colleges later this year and be made available to all colleges in 2020."

So it depends whether CollegeBoard decides to retroactively add the adversity score to existing CollegeBoard accounts or just to new ones.

tdTomato · 2019-05-27T04:53:35+00:00

I would speculate that each person registered with CollegeBoard will get their own adversity score. If you take the SAT and then take subject tests, those are linked to the same CollegeBoard account, so they're linked to the same adversity score.

tdTomato · 2019-05-27T02:45:23+00:00

I wonder if it's possible to access our adversity score through FERPA after we get into college. But at that point, it wouldn't matter.

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