Most software is a terrible pile of unreadable code with no tests and horrible architecture choices, that somehow manages to keep working just through the power of years of customers finding bugs and complaining loud enough to get them fixed.
If you write any automated tests at all, you’re already better than most “professional” software companies. If you have a CI/CD pipeline, you’re far ahead.
Was it ever good?
I don’t think you understand how fractional reserve banking works. The first paragraph of that Wikipedia page already clearly contradicts you. The banks can still only lend money they have (otherwise how would they lend it? Where would it come from? Only the central bank can print currency). What fractional reserve banking is saying is that banks can invest some portion of the customer deposits that they hold into non-liquid assets, often in the form of loans to other customers, but it could also be invested in other things eg government bonds. The interest banks earn by doing that helps pay for the interest they pay to customers on their saving. They also have to carefully manage their liquidity: maximising returns while still holding enough liquid assets to cover any potential spikes in withdrawals.
Even when investing customer funds, banks still have to meet captial requirements set by the regulators which basically say that their risk-adjusted assets have to cover the liabilities of customer deposits, so that for example they can’t just invest all the deposits in Bitcoin as that would pose too high a risk of insolvency. The reason SVB went insolvent recently was that they successfully lobbied the Trump administration to relax capital requirements for banks of their size, then made risky investments that lost money and they suddenly had less money than they owed their customers.
Having lots of rounds of interviews, as long as each one is effective and focused on a different aspect, in my experience is a green flag because it means they take great care in hiring and you end up working with excellent people. My current job had a talent team screening call, a high level technical best practices discussion, a practical homework assignment with follow-up peer interview and problem solving session, a cross-guild culture interview, and a chat with one of the founders. Apart from the first and last ones they each took more than an hour but they all felt very productive in terms of gathering information in both directions. And it’s by far the best job I’ve ever had
Also the large salary range makes sense if they are hiring e.g. multiple developers and are open to a large range of seniorities/experience levels
I don’t think all of these are true/accurate.
Remember: don’t believe everything you read on the internet
Can you tell me more?
And yet still no back button, the most basic feature that iPhones sorely lack :(
Better? The Apple hardware is always significantly worse than competition in the same price class. Most of the price of an iPhone goes to their excessive marketing and record profits, so they have to cut costs on hardware
So what you’re saying is, if you want advanced phone features sooner buy an Android, if you want to be subjected to dodgy business practices sooner buy an Apple
The order of superiority goes like this:
American bagels > German rolls > German bagels > American rolls
As an Australian living in Germany for over a decade I’m still not that impressed with German bakeries. The pretzels are awesome and the bread is fine but the sandwiches are lame. They’re like mostly bread and never more than 1 or 2 toppings. A German once told me it’s because the point of the sandwich is the bread and if there are too many toppings you won’t taste the bread 😅
Germans love their bread so much but I think it’s just because that’s what they grew up with, I don’t think it’s objectively as good as they think it is
What are the performance targets? And does the value of the package depend on share price?
What kind of parent has already shown their kid Lion King at age 2 wtf
What country are you in? If it’s the USA, then yeah my understanding is that regulations are a lot worse/weaker there. The stuff you described wouldn’t fly if it was a UK or EU bank I believe. SVB failing wouldn’t have happened here either (nor would it have in the USA before Trump)
Yeah PayPal are terrible lol, I’ve got some horror stories of my own
Then why not use the same app?
No, Volt are part of the green/EFA
Why is Trump the only alternative? There have to be 1000 better democrats than Biden.