Hello fellow appraisers.
I’m creating a platform for home owners to obtain an estimated value with a photo/address of the 3 best comparable sales for the subject property.
The purpose will be for single family homeowners to track their value, and also as a pre qualifier before proceeding with a full appraisal. We are the only ‘appraiser powered’ option that will be competing with auto-valuators.
Our platform will pay $29.99 per EVA (Estimated Value by Appraiser).
This will be completely anonymous (absolutely no liability, only repercussion is to be removed from the queue to receive work).
No inspection required (this is a loose estimate of FMV, users will provide a sales cut sheet full of their info - if they misrepresent any features of the home then that is on them).
Estimated time to complete is 20 minutes based on trials completed.
I am hoping to gauge interest from more appraisers other than from my area, so far we have had decent reception due to no liability, no fee split to parent company, no inspection, no gas/wear&tear, and no possible influence on value from clients.
We are allowing appraisers to do what they do best, focus on providing fair market value.
Would love to hear the thoughts from the community, if you are interested in working with us we plan to launch throughout the USA in early 2024.

This game is a masterpiece. Absolute 10/10.
I can gush about everything in this game. The improved graphics, the combat, the environments, Ashley's AI(which is so smart that she never got caught in my playthrough except in one location but that was my fault), etc.
But the aspect that I wanted to talk about is the improved storytelling, lore and the character arcs.
THE LORE AND THE ENVIRONMENTAL STORYTELLING
This games added so much context and lore for the village, the castle, the factory, the enemies, Luis and the bosses.
Through notes and photos we find out about what a loving and caring mayor Mendez was, how he used to take pictures in order to preserve the memories of his beloved townspeople, how he used to visit an old hunter who had a young boy who was genius and he used to tell stories to Mendez. The industrialization of the village and then the invasion of the los illuminados and then the downfall of their village. All of this lore and context makes the world building great and builds Mendez's character. I felt for him during the boss battle and it was really sad to see such a kind and ambitious man reduced to such a state because of a greedy evil cult.
We get the backstory for the Plaga and why it was under the Salazar castle. We get the context for the factory Island and Saddler's lineage and his purpose. This game transform Saddler from a goofy looney toones villain into a menacing and intimidating overlord. We get the backstory of how he tricked the Salazar family into becoming his slaves.
THE BACKSTORIES AND CHARACTER ARCS
The one character arc that i wanna really discuss is Luis.
Luis was a genius born in the isolated village far from any modern civilization. He had a fondness for reading stories. Eventually he had his everything taken away from him due to an unfortunate event. He ran away from the village and into the clutches of Umbrella. And that was probably the first time where he got to express himself and his interests in an environment that would match and exceed his passion and make it grow. So he got carried away in the pursuit of 'if he could' make something and he forgot the importance of 'if he should' make something. He was leading the life he thought would bring him the most glory and honor. A life of intellectual pursuit and invention but that is where his dreams were shattered when he witnessed the Raccoon City incident, an incident where countless men, woman and children, an incident where happy families where ripped apart, an incident that he had a huge role in(he was part of the team that created Nemesis). That event shook him to his core and he ran away to his old village seeking the peace and the small good he had in his life only to find that it had all been ripped away by the hands of Los Illuminados. He was captured and then put to work under the watchful eye of Saddler. This is where Luis realises that he can't be a part of this, he can't keep making the same mistakes that he's made and he can't keep letting the innocent die. So he contacted Ada in an attempt to remove himself from Saddler thereby taking a huge intellectual property from him but sadly Ada didn't work for free and she wanted the amber which housed the original Plaga. Luis agreed to her terms but he always intended to betray her. He made his escape from the factory but he was captured by Mendez. Maybe Mendez's subconscious still has a smidge of his humanity left because he stashed Luis in the basement of the burned remains of Luis's old house instead of delivering him directly to Saddler.
I'm gonna fast forward a bit, Luis see that Leon and Ashley need his help in order to cure their infection, so he goes back to get the suppressant and the key to his old lab so that he can help Leon and Ashley. He puts his own life on the line to help those two even though he doesn't know them simply because he wants to be better than the monster he had become. He has to confront the horrors of his past as Leon despises Luis because his involvement with Umbrella. But Luis's dedication to saving Leon and Ashley and his genuinity in changing himself convinces Leon that at least Luis isn't a monster anymore. Unfortunately that moment is short-lived as Krauser pulls the curtain on Luis's life.
As Luis's life fades away, he says 'I've loved pretty shitty life eh' and he asks Leon in his last desparate attempt 'people can change, right?'.
Luis was a child who was left completely alone in this world in two ways first due to his intelligence and interests and the death of the old hunter. That led him to become a monster under Umbrella but his eyes were opened with the Raccoon City incident and he took the steps he needed to take in order to be better and make amends for his actions. I think we can all agree that Luis's actions in creating Nemesis are unforgivable, the inhumane experiments and the casualties ensure that. But that doesn't mean that Luis desire and dedication to becoming a better person were meaningless.
I wanna discuss so much more about the other characters but i think that I should make dedicated posts for each character just so that it would make a better reading experience.

This game is a masterpiece. Absolute 10/10.
I can gush about everything in this game. The improved graphics, the combat, the environments, Ashley's AI(which is so smart that she never got caught in my playthrough except in one location but that was my fault), etc.
But the aspect that I wanted to talk about is the improved storytelling, lore and the character arcs.
THE LORE AND THE ENVIRONMENTAL STORYTELLING
This games added so much context and lore for the village, the castle, the factory, the enemies, Luis and the bosses.
Through notes and photos we find out about what a loving and caring mayor Mendez was, how he used to take pictures in order to preserve the memories of his beloved townspeople, how he used to visit an old hunter who had a young boy who was genius and he used to tell stories to Mendez. The industrialization of the village and then the invasion of the los illuminados and then the downfall of their village. All of this lore and context makes the world building great and builds Mendez's character. I felt for him during the boss battle and it was really sad to see such a kind and ambitious man reduced to such a state because of a greedy evil cult.
We get the backstory for the Plaga and why it was under the Salazar castle. We get the context for the factory Island and Saddler's lineage and his purpose. This game transform Saddler from a goofy looney toones villain into a menacing and intimidating overlord. We get the backstory of how he tricked the Salazar family into becoming his slaves.
THE BACKSTORIES AND CHARACTER ARCS
The one character arc that i wanna really discuss is Luis.
Luis was a genius born in the isolated village far from any modern civilization. He had a fondness for reading stories. Eventually he had his everything taken away from him due to an unfortunate event. He ran away from the village and into the clutches of Umbrella. And that was probably the first time where he got to express himself and his interests in an environment that would match and exceed his passion and make it grow. So he got carried away in the pursuit of 'if he could' make something and he forgot the importance of 'if he should' make something. He was leading the life he thought would bring him the most glory and honor. A life of intellectual pursuit and invention but that is where his dreams were shattered when he witnessed the Raccoon City incident, an incident where countless men, woman and children, an incident where happy families where ripped apart, an incident that he had a huge role in(he was part of the team that created Nemesis). That event shook him to his core and he ran away to his old village seeking the peace and the small good he had in his life only to find that it had all been ripped away by the hands of Los Illuminados. He was captured and then put to work under the watchful eye of Saddler. This is where Luis realises that he can't be a part of this, he can't keep making the same mistakes that he's made and he can't keep letting the innocent die. So he contacted Ada in an attempt to remove himself from Saddler thereby taking a huge intellectual property from him but sadly Ada didn't work for free and she wanted the amber which housed the original Plaga. Luis agreed to her terms but he always intended to betray her. He made his escape from the factory but he was captured by Mendez. Maybe Mendez's subconscious still has a smidge of his humanity left because he stashed Luis in the basement of the burned remains of Luis's old house instead of delivering him directly to Saddler.
I'm gonna fast forward a bit, Luis see that Leon and Ashley need his help in order to cure their infection, so he goes back to get the suppressant and the key to his old lab so that he can help Leon and Ashley. He puts his own life on the line to help those two even though he doesn't know them simply because he wants to be better than the monster he had become. He has to confront the horrors of his past as Leon despises Luis because his involvement with Umbrella. But Luis's dedication to saving Leon and Ashley and his genuinity in changing himself convinces Leon that at least Luis isn't a monster anymore. Unfortunately that moment is short-lived as Krauser pulls the curtain on Luis's life.
As Luis's life fades away, he says 'I've loved pretty shitty life eh' and he asks Leon in his last desparate attempt 'people can change, right?'.
Luis was a child who was left completely alone in this world in two ways first due to his intelligence and interests and the death of the old hunter. That led him to become a monster under Umbrella but his eyes were opened with the Raccoon City incident and he took the steps he needed to take in order to be better and make amends for his actions. I think we can all agree that Luis's actions in creating Nemesis are unforgivable, the inhumane experiments and the casualties ensure that. But that doesn't mean that Luis desire and dedication to becoming a better person were meaningless.
I wanna discuss so much more about the other characters but i think that I should make dedicated posts for each character just so that it would make a better reading experience.

Preface

I originally wrote this like a year ago and it's been sitting in my drive since. I really need to start busting out a lot of the half finished content I have so here's the first one! I did a fresh review of the documents and made some edits but I'm sure there's some mistakes. I have many more in store but no ETA on when I'll get to them.
Like most things I create this should be viewed as an ongoing document to be improved and carried into the future. Feel free to suggest improvements in the comments! There's already a lot of organization to be done by creating lists with a lot of my suggestions for easy reference.

Introduction

OPSEC is a ongoing assessment of your threat model and allowable risks against your implemented security measures. Threat model would be how we might get investigated by law enforcement (LE) and subsequently arrested or it might be how we prevent any malicious actors from using this info to bring you harm. Allowable risk is how much you really think you're going to get nailed for buying bark online or buying lab equipment off Amazon, it could even be how much you risk telling your neighbours who might perceive it as a meth lab and call the cops.
Not all of the factors and risks discussed in this post will apply to you but that's to be expected. The point is that you thought about it, assessed it's merit and reacted appropriately to protect yourself. Sometimes it's not about realistic threats as much as it's about piece of mind but if you find yourself constantly stressed about your OPSEC then it's time to re-evaluate your posture. If that stress is irrational, unreasonable and persisting you may be a victim of FUD; fear, uncertainty, doubt. A chronic disease that wastes away the sanity of good folk, the only known cure for FUD is cold, hard, facts preferably ingested in the form of well research studies, experiments and expert opinions.

Your Personal Responsibility

Loose lips sink ships and this remains true when you move up the chain to become your very own drug manufacturer. So let's keep this between us, the special people you hold close and curious like minded folk so they can venture on their own journey.
Depending on where you live, posting about this sort of project online in connection with your real identity could be quite costly to your future and freedom, be sure to manage this accordingly and when it doubt just shut the fuck up okay?

Location and Work Area

Simply put, if you don't own or pay for the place then I can't condone extracting in someone else's house. Please wait until you're in an appropriate living situation before extracting anything as it could land them in serious legal trouble or lead to injury as they are unaware of these powerful chemicals in their house. If you have roommates then I suggest you get their input on the matter but at the very least keep it all contained within the confines of the space you pay for exclusive access to. You should be considerate of the smells and fumes emitted during an extraction and mitigate them with sealing and ventilation where appropriate?
It is possible to easily extract on a small table in your bedroom closet for the large majority of an extraction but not every work area is suited for every tek. An A/B where you reduce litres of water would be a struggle in a bedroom closet without adequate ventilation but is perfect for a basic STB. Overall I would argue that STBs are the stealthiest form of extraction requiring the least variety of items and ingredients, don't require heating (not that any tek truly does), have the least steps and are a breeze for even the greenest novices.
Avoid leaving your extraction materials out for long periods of time, cleaning then putting them away and taking out as needed is recommended is a good hygiene practice so you're not caught with direct evidence or lots of equipment out in the open. Ensure everything is sealed firmly and packed properly when storing using padding as needed, store them inside an opaque container away from view. When you're done clean your work area by wiping it down, disposing of any garbage properly by concealing it in opaque bags, freshen the smell if necessary and conceal anything that may be left out like when evaporating solvent. When I would evap something I would simply put it in a card box outside on the desk, a mesh screen keeps solid materials out and air flowing.

Digital Safety

If you wish to bolster your digital opsec posture then https://privacyguides.org/ is one of the best resources for up to date info on software that protects your digital freedom: OS, encryption, messaging, password storage, search engines, metadata (EXIF) removal tools, etc. There is lots here.
Any OS is fine for our purposes as long as you take a few steps to guard it. Local disk encryption is a must and can be achieved easily on Windows, Mac, Linux, Android or iOS if not already on by default and ensure you have a sufficient lock screen password/pin, biometric locks are not secure since they can be used against your will. Take the time to go through your settings to ensure things like screen timeout are set to appropriate levels. Phones in particular contain a lot of data on you so take the time to ensure it is well secured.
When communicating with like-minded people I suggest you use messaging apps like Signal which has been proven effective by government subpoenas, be sure to leverage its feature set like local encryption, screen lock timeout, disappearing messages/photos and sealed sender, optionally it can be routed over Tor or a VPN but this will be overkill for almost all of you and is not recommended. When setup with a password Signal can also act as a vault for any photos you take hiding them from other apps and the view of other, simply take the picture and send to your own number and it will save as a note-to-self.
The signal app by default will wipe EXIF/metadata when a photo is saved inside the app. If you're not using Signal then I would suggest an app from this list here. For desktop I use ExifCleaner which is a great option and very easy to use but MAT2 is another method you can look at, with these tools you can also see what is being removed for comparison sake. The most important EXIF to wipe is location data if that is not already clear but camera, device and dates can also be of concern.
In my opinion nothing sensitive should remain on your phone forever. If you have photos you absolutely must (or just want I guess) keep I suggest moving them to desktop or cloud storage with strong encryption and access controls, not Google drive! Check out here for more details on encryption options. For Windows encryption on Windows you can use Veracrypt for both full disk encryption (FDE), single files and storage containers, storage containers are a great compromise for those not willing to FDE as they provide similar levels of protection but in a smaller package. I don't recommend using hidden containers unless you are an advanced user. For Debian based linux distros you can enable LUKS during install for FDE along with encrypting your home folder. Remember that encryption only works if they can't login freely so be sure to shutdown your devices when you're away from it for extended periods. Syncthing can be used to regularly move content off your phone to a safer location.
When talking encryption you absolutely must talk passwords or else all if for naught, I highly suggest getting a password manager mentioned here. Use different, long randomly generated passwords for each site and same goes for your master password, learn a but more on creating a good password here. I have passwords over 40 characters in length using Snowden's advice

• 3ATINGr1nkSnak3*[email protected]?YES!

Which translates to:

• Eating Rink Snake Stars at 2pm? Yes!

As a general example I just made up and if you want it even longer....

• 3ATINGr1nkSnak3*[email protected]?YES!3ATINGr1nkSnak3*[email protected]?YES!

Yes, that's right, just fucking double it! Simple as shit and makes your password far too long to crack. Having it written down somewhere on a destructible piece of paper until you learn by memory is HIGHLY suggested, when writing it should differ from your actual password by leaving out parts:

• 3ATINGr1nkSnak3*[email protected]?YES!

Could become:

• 3ATINGr1nkSnak3*[email protected]?YES!
• EATINGrinkSnakeStarsAt2?YEP
• Eating rink snake stars at 2 okay

Test and access/decrypt it frequently so you can get use to typing it early on. I use Bitwarden which is cloud based but I don't mind the risk as I have strong password practices and I don't have to maintain my password vault. If you would rather use local encryption KeePassXC is the best option but be warned that if you experience any kind of disaster to your storage you lose everything, you must back up your encrypted vault to offline media like a few flash drives or SD cards and keep them in separate safe locations, SD cards in particular can hidden in the smallest of spaces. Always save your created passwords/logins before entering them password into a website to avoid losing them accidentally.
For browsing, any browser using a private/incognito mode is really all you need. For enhanced protection FireFox or any other browser shown here with the correct settings is probably enough. You can also use your password manager to store links and keep them out of anyone's view. For email I recommend you use something from this list but I personally use protonmail. For enhanced security you can use multiple emails when creating login details for websites. I recommend using your real name when ordering since receiving packages in somebody else's name is about as suspicious as it comes, additionally if you needed to claim the package you would be out of luck.

Buying Supplies

Yes the screenshots of amazon suggesting us our entire equipment sets are funny but they do highlight a problem of how specific and identifiable our purchasing habits can be. Whenever possible I would suggest diversifying your spending habits, some examples of this include but not limited too

• Swapping cash, prepaid credit cards or gift cards into the mix
• Buying 2nd-hand with cash
• Mix purchases between physical stores and various online retailers.
• Buying small amounts or only what you need.

There is nothing inherently wrong or illegal about buying this equipment but in conjunction with bark and other evidence it could be construed as extraction equipment which is why cleaning and proper storage can be so important.
There's two routes you can go when it comes to DMT extraction equipment, the lab equipment route or the home equipment route. Lab equipment are purpose made so they do an excellent job and increase safety significantly when used right. Home equipment is mega stealthy and cheap but with it you are often compromising your own safety. Virtually everyone strikes a balance in this regard to suit their tek and flavour of risk, something to consider when choosing your tek.

Closing

The best judge on which scenarios to protect against is you! OPSEC should be something you own as a whole so doing some critical thinking will be necessary to achieve your goals.
When in doubt, STOP and seek help from your fellow extractors on what is your best course of action.

Wrist Check = What are you wearing?
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Post a photo of your watch of the day.
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Please try to include the brand and model in your post!
You're also encouraged to write a few words about your watch. Some users might also appreciate knowing your wrist size, for a virtual fit check.
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If you'd like some tips on improving the quality of your watch photos, check out these useful guides:
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• GUIDE: Your Phone Camera & You by EnderBaggins
• Watch Photography Guide: Taking better watch photos, it can be done cheaply and easily! by FrancisHC
• Timekeeping: How To Take Better Watch Photos
• Tips on watch photography
• Photographing Watches
• http://forums.watchuseek.com/f109/tips-tricks-15719.html
• (...and some inspiration from SJX)

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As always, be respectful of others and follow the rest of our rules. All reasoned opinions are welcome, and remember: criticism about a watch is not a criticism of the owner. Just because someone hates your watch doesn't mean they hate you.
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Have fun!
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...and one quick note: these threads will be auto-posted each morning at 6am eastern. Any other WRUW posts/threads will be removed.

So basically I installed a some of googles apps in chrome (drive, photos and classroom) and they show up in my installed apps list in settings. Although they don’t have a file location and don’t come up when I search for them. When I try to uninstall them in settings it doesn’t come up with any error message and just doesn’t uninstall. I have already looked up on how to fix this and a lot of the videos said to use the registry editor (which I tried and couldn’t find the file) or to uninstall another program to fix it which I don’t want to do. In case it matters I am on windows 11.

Recently, everyone's Instagram feeds have been flooded with captivating AI-generated selfies. Well, the secret behind these eye-catching images is the AI Photo App called LENSA!
Basically, this Lensa app combines the power of AI with a user-friendly interface, making it suitable for beginners and professional photographers. That's what the beauty of this app is; Simplicity. You don't need any technical knowledge to use it – just upload your photo, apply the desired filter or effect, and voila!
It works by utilizing advanced algorithms; the app analyzes key aspects of an image, including lighting, composition, color, and even facial features, to enhance and optimize each photo automatically. With just a few taps, users can make amazing results that were previously only possible with advanced editing software. It's like having a professional photo editor at your fingertips!
The best part is that this AI photo app effortlessly connects with Instagram, making it easy to share the edited photos directly on the Instagram feed. This instant sharing feature has propelled the app's popularity, as users can easily join the viral trend and share their AI-enhanced photos with their followers.

I’ve been grinding away on a lot of writing on credit recruiting, advice for interns, and other career resources for junior peers in finance and have roughly 17,000 words written so far. This will steadily be coming out over the next few months – and we’re kicking it off today starting with advice for interns. My disclaimer for everything I’ll be writing is as follows – one person’s career advice may not be the perfect fit for you and you should combine the opinion of 5-10 people you respect and then determine what is YOUR best path. But alas, I’ve walked the path of being a bulge bracket intern, and have spent a lot of time thinking through the insight I can provide the interns and junior people that follow the account – and here’s what I’ve got.
First – advice for people with interns: Be nice and understanding to your intern.
To be honest, whether we like to admit it or not, this is how most of us came into the industry: A lot of us came into the industry thinking we knew more than we actually did because we read about it in a textbook, got good grades, and saw xyz finance meme. But the reality is a lot of us were vastly unprepared to be a value-added resource during the early stages of our career. One MD said to me once as a college senior “They don’t expect you to know anything. They’re hiring for someone who can learn as they go.” I didn’t realize this as a college senior, but after six months of working this became very obvious to me. Companies are hiring interns for their potential. Their potential comes from 1) having a good work ethic and 2) having a good attitude. As an intern, if you work hard and be pleasant to work with, then you’re going to win 9 times out of 10.
It's hard to remember, but there was a time where none of us had any clue what we were doing. Arguably, this continues on in your career and the humblest investors truly believe this. So look here’s my advice – sure interns be saying the darndest things sometimes – but let’s try to cut them slack, treat them fairly, and remember we were once in their same shoes?
Sure, if a Gen Z intern is out there being a jerk and snobbish, then maybe this isn’t valid, but if they’re hardworking, showing a lot of potential, and are super coachable then it is your job to help them develop into a potential asset at your firm.
Also – this is a relatively more “stressful” year for interns. College kids are always a lot more panicked about the job market than people who already have experience under their belt to begin with - but this economy isn’t lessening their worries. A lot of college kids are seeing the class of 2023 have offers pulled and enter a tougher job market. Now they’re starting to get spooked a bit and may feel a little out of control. Try your best to encourage and develop them – these guys are probably feeling a little like how the 2008-2009 grads felt, to a degree.
Okay – so here’s my 20 point list of recommendations for interns.
First - last year I started a debate over whether banking interns should take vacations in the middle of their internship….and people actually tried countering it. LMAO! I’m going to try this bit again sometime soon to get the people going and let’s still see people still think that while we’re on the precipice of a recession.
1) Be careful with social media. DO NOT MAKE TIKTOKS. Emphasizing this in all caps. There’s a reason all the Finmemes and FinTwit burners are anonymous and not dancing around on the internet. Most TikToks are very cringeworthy and seem to always find their way to HR once they go viral. People will 100% get fired over what they post to TikTok or Snapchat. Your TikToks are very likely to be spread to large audiences on Instagram or Twitter – which is totally fair game (you posted it, you gotta own what you post). With that said, if you ask nicely I’ll take a TikTok down, but other accounts openly will not. In general, don’t take your phone out and record or take photos of stuff, especially given all the sensitive materials we work with. Don’t post sensitive information from your computer on your IG story captioned “grinding hard” “working on the weekend like usual” or some shit.
2) Don’t take a week long vacation during a ten-week internship. Last year, I made this obvious remark on twitter, got a bunch of ppl in agreement, but also riled up a tonnnn of people on twitter (didn’t seem like the typical finance folk though) but it’s true. I want everyone reading this to succeed – which is why I’m telling this hard truth. Bosses in banking will frown upon you missing 10% of your learning experience to go vacation. You can always vacation before or after your internship (this is what I did lol). Remember as an intern, you are trying out for a sports team – you haven’t made the team yet, but you’re getting the chance to make the big leagues. Would you leave the team in the middle of preseason before the roster is finalized? Of course not. It’s that simple.
3) Dress the part without overdressing: You don’t want to wear a significantly oversized suit but you also shouldn’t be wearing Gucci loafers as an intern. Ideally you want to dress in a pretty standard way that isn’t drawing attention to yourself as someone who seems out of place. I’d lose any dress shirts with shirt pockets and I’m not a fan of oxford collars (this one may be too harsh but just my opinion). I just don’t think oxford collars go well with a tie and/or suit. Make sure your dress shirts aren’t wrinkled af. Obviously no Gordon Gekko dress shirts. In terms of shoes, Gucci loafers are frowned upon as an intern/first year because you haven’t really gone through the ringer, may be perceived as entitled, and hence don’t deserve this status symbol. This is the case for nice watches too. This is the perception from senior people, so ya, just wait until after a sick bonus and snag the more-status like attire after your first 1-3 years.
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https://preview.redd.it/fq92pqseg63b1.png?width=717&format=png&auto=webp&s=2b02171dd0c4df030bfbc7b897ddb572cf050a5b
4) You want to look professional, this may mean having a professional haircut: Look – so if I see a Gen Z analyst with that typical Gen Z haircut (I later learned it’s called a “broccoli cut”) I do not take them seriously. I figured this was kind of mean of me, so I went to Twitter to confirm whether other people think this. In fact, they overwhelmingly agree. Older generations think the broccoli cut looks stupid as hell.
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Again, it’s not about “what’s accepted” by your generation, it’s about what’s accepted (without being said obviously) within the workforce. Again, this is me speaking a hard truth. I’d like for HYH readers to be taken seriously – and I’m telling you a large amount of FinTwit just said this haircut below looks silly! Read the tea leaves.
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https://preview.redd.it/bvgvzcuhg63b1.png?width=477&format=png&auto=webp&s=3ea98cc719152f926751f143066a562ac6421e13
5) Don’t make the same mistake twice: Easier said than done, but the people evaluating you are keeping tabs on whether you’re smart/teachable. They’ve been trained by this philosophy and are judging you by the same standards. If you make the same mistake twice, then they may perceive that you may not have the ability to retain information, learn from experience, etc. Tough, but this is true and happens constantly. I got screamed at once where my VP said “he asked this same question before!!” to a couple of MDs. Tbh the MDs didn’t really care, but wasn’t a great feeling. Try to keep tabs on what you’ve already asked and have been shown.
6) Don’t #REF the model or some important file: When you’re working in an excel model or PowerPoint on your own you should make a copy from the original just in case you totally #REF! the model. Create a copy of “ImportantModel” and name it “ImportantModelYourInitials”. That way if you do something really dumb (who knows, you may change something they don’t like), at least there’s a backup. Tbh you may need to keep doing this throughout the entirety of your career and should engrain this in yourself as a best practice.
7) Steve Schwarzman (Founder of Blackstone) once said this isn’t school – you need a 100% score. This is the most important lesson here. In college, an A is a mid-90s grade. In a famous YouTube video where Schwarzman greets the first year analyst class at Blackstone, he notes how only a 100 is acceptable and As/Bs are not. He says this was his biggest challenge when he was just starting out. I’d strongly recommend watching this video later when you’re done reading through my list. He spits absolute fire here.
8) WFH will happen later in your career….your internship isn’t the time to be remote: In 2021/2022 I got some pushback on this point, but look now! Finance firms have brought pretty much everyone back to the office and a large chunk of front office professionals are in five days a week. Obviously there’s plenty of people at three days a week and four days a week, but I don’t know anyone in finance with “one or two days or fully remote”. I’ve previously noted that I thought a bunch of people were making a mistake by moving to fully remote too soon in their careers. I thought remote workers would be the first to go in a downturn and that has played out a ton over the past year. A remote worker’s connectivity is lower than the people a manager may see around a water cooler. Obviously, someone outside of finance, someone who’s an absolute stud, or an entrepreneur can leverage remote work ofc. I personally don’t think your 20’s are a great time to be too focused on being remote first, and the focus should be on building a reputation first. Obviously your first job (your internship) is meant as mainly a learning experience and a great opportunity to learn from smart people! Therefore as long as those smart people are in the office, you should be there too. If the firm has a 3-4 day policy then you get to follow that, but if you have a couple notable people in 5 days a week, then I would suck it up and get in the office 5 days a week. Also, this may be a great way to differentiate yourself and get more one-on-one time while the rest of the office is empty. Also – you’re trying out for a team! Make the team!
9) Proofread constantly: The more you re-read the higher the probability of catching errors! I’m terrible at proofreading. My ADHD ass is bouncing around constantly and I always miss stuff – but hopefully you guys can do better than me. Some tips: A) read from beginning to end, B) read backwards (from end to beginning), C) say out loud what you’re proofreading under your breath, D) read on a different format (for ex. If you were proofreading in word, try proofreading again in a PDF format), and E) print out the end product and proofread on paper. You don’t have to do all 5…(I don’t)..but you should find a formula to proofread and over-read effectively.
10) Over-communicate: It’s okay if you say or email “Will do”, “sounds good” , or “On it” constantly – I would confirm receipt to every email your direct co-workers send you so the sender knows you’re attentive and understood their instructions. Over-communicating via responding to emails is the move because it allows the person delegating work to you to understand that they don’t have to hover over you. When someone who isn’t your staffer talks to you too, it might be helpful to bring up in conversation – “I’m working with Kevin on xyz deal” or “I’ve been helping with xyz”- this is a good way to show people that you’re 1) staying busy and 2) contributing and people actually know what you’re up to.
11) Write everything down: When someone is speaking to you there is an expectation that you should be taking notes. Would be brutal if you finish an assignment but forget one piece because you forgot and didn’t have that part written down. Part of writing everything down too is so you can review and refresh on the lessons you’ve learned from your internship. I’d recommend reading through the learnings you have written down once a week. And obviously, post internship you can reflect on what you’ve learned and have off hand in case you need it in another setting. On that note, if there’s anything interesting you wrote down or worked on that you need to reference going forward – make sure you grab it and take it with you before your final day. Not the cleanest advice I’m giving rn – but it’s something a lot of people do and post-internship you may regret forgetting to bring home your firm’s powerpoint shortcut pdf, a primer on covenant lite loans, or a certain sell-side research report. Just speaking facts.
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12) Predict demands: This may be more for first-year analysts, but figuring out where you can add value and save people time is how you can justify your salary. For interns, it’s more about 1) learning experience, 2) being a good cultural fit, and 3) being teachable. But if you’re an intern tasked with “analyst like tasks” then I would try to take a step back and think of where you can add value. If someone senior asks you to do a task that seems recurring in nature, that’s a good place to take initiative going forward. Just confirm with them of course, that this is something recurring and something they want you to do, as you don’t want to accidentally mess something up or overstep. If you can get started on a task that you know someone is going to ask you to do anyways, go for it. Show that initiative.
13) Network with everyone, leave no stone unturned: I wouldn’t network with people immediately (you need to find your footing the first week or two) but it’s a mistake to not block off time to talk to every relevant person you can get in front of. Personalize your approaches and personalize your follow-ups, but recognize as an intern you’ll get a lot of flexibility to get in front of people that you may not be able to get in front of in a couple of years. Also make sure you chill with your fellow interns. Don’t be the person who doesn’t converse with the other interns. These are relationships that can become pretty important down the line as you will be able to pick each other’s brains as you navigate your early career. Also make sure you remember people’s names and don’t guess if you don’t know. If someone has a name that’s hard to spell – check their email first to make sure you spelled it right before firing it off. Last summer I got called the wrong name a few times by an intern on a different team. I didn’t bother correcting them, figuring it’s funnier to let them keep making the same mistake, and they looked like an idiot when they got it wrong in front of other people near the end of their internship
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14) Show this is where you want to work after graduation (even if that’s not true): Remember, you’re trying out for a sports team, make sure you show you want to join the big leagues. Look, you may even have to pretend you want to work there after graduation even if that’s a bold faced lie. If there’s murmurs you’re just using this internship as a stepping stone, you will be toast. You’ll have a year to shop for a better gig – just focus on securing the offer! Also – we’re probably about to enter a recession – don’t get cute! Get the job!
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15) Don’t get sloppy while drinking: This is very important. This isn’t college anymore. Bosses don’t care about how much you drink or how sick you are (I’ve made this mistake honestly). Keep your cool while drinking with colleagues and keep your cool if there’s an intern after party that follows a general work party. Again, this isn’t college, use your best judgement even when impaired.
16) Focus on what you can control, don’t focus on what you can’t control. This was really good advice I got from a MD. You have to accept some things are out of your control, which is tough for the personality types that know they can force a lot of their own future. If you put a lot of work in and are strategic, you can carve your own path forward, but there will still be external stuff out of your control that you can’t sweat over and will have to power through. Differentiating the two is crucial. But if there is something you can improve on that will impact your outcomes going forward, make sure you address that vs. incorrectly think it’s something you can’t control. Once you know what you can and cannot control you’ll be able to shape the path you want.
17) In hindsight you’ll realize you asked dumb questions/cared about the wrong stuff: You may realize over a few years that you panicked over stuff that didn’t matter. Try not to sweat it. It’s all part of the process. The stuff you read on WSO isn’t the bible. Just remember to be fair and helpful when an intern a few years from now has the same level of naivety and comes to you to learn.
18) Don’t beat yourself up over mistakes: I still vividly recall dumb mistakes I made as an intern/first year analyst. Hell, I still remember the dumb mistakes I made in middle school! It’s easier said than done, but try not to be too hard on yourself. It’s important to learn from mistakes, but make sure you learn to forgive yourself.
19) Don’t beat yourself up if you don’t get the offer: This doesn’t mean you’re a flawed human. You may not have been ready yet, the standards of the firm may be unrealistically high, or (more likely than not) they may not actually have the ability to hire a full-time analyst and just wanted a cheap intern. Also, in 2023/2024 – the market sucks. M&A is grinding to a halt and high interest rates are hurting economic activity. Hell, the bank you intern at may not exist in a year. One job will not define you. If there are mistakes you think you can improve on, then recognize what they are and adapt.
20) It’s just a job. All this aside, remember, it’s just a job, not your life. A job is only a way to drive cash flow to fund your livelihood. That is it. You are young, you are energized, you are fungible – you will figure it out even if the path seems unclear sometimes.
That’s all! Best of luck!

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Since Broadway closed down and everyone is sad about it, I think I'll just drop this
I'm going to try and write an ARG that's a sequel to POTO, and I'm going to try and make sure it makes as much sense as possible. This is kind of a casting call, but since the plot hasn't been written and I don't know how many people we have, or the kind of "budget" (since this is purely a passion project) we'll be having in it.
We wish for this project to be more than just a text based fanfiction, and to attempt to capture the extravagant opulence of the original Broadway musical, or attempt to, since the aesthetics and budget of the musical is something a lot of fans find attractive. I don't think we'll have anything NEAR the budget to work with unfortunately, but we can try to make up for it in creativity.
Without spoiling too much, the plot follows the characters of POTO in modern day, although they are either reincarnations who eventually regain some of their memories, or ghosts. Something happened after the musical that pissed the phantom off BAD, even worse than Raoul romancing Christine, and the ARG follows what it is while exploring the events that led to it, and the aftermath.
most of you don't know what an ARG is, an ARG stands for Alternate Reality Game.
ARGs are a highly diverse medium, but the bare fundamentals is that it's a story told in real time in which the audience plays a role in shaping events, through directly interacting with characters. It is treated as if the game is reality. So therefore, it can be told through journal entries, letters, blog posts, tweets, photo albums, forums, just about ANYTHING. I'll think of ways to fit stuff in depending on the skillset of volunteers in the comments section.
If you want to participate and you have any certain skills you think can help, please let me know! I'll list a few for examples. Note that this list doesn't need to be filled, and multiple people can do the same thing for a lighter workload in general since no one's getting paid (sorry)

• video editors
• makeup artists
• photoshoppers
• voice actors
• actors
• composers
• singers
• website programmers
• writers
• historians
• cosplayers

If you have something that isn't on the list but would like to participate anyway, write it down, I'll see what I can do to work it in somehow.
You will not be paid for this (sorry) I wish I could though
If you want to help us make the ARG but also want to participate in the story as an audience member free of spoilers, don't worry. I'll give as little context as possible.

I feel like i need some context bc the title makes me seem like a brat. I (21 F) come from a "well off" family, but the only people who profit from the money are my two younger siblings. I have worked since I was 15, pay for basically everything I have except for rent since I live with my family. I met my boyfriend John (M 23) (fake name) a few years ago. Ive been editing on my computer since a young age and have always had crappy PCs and laptops that barely function, while my siblings get giant gaming PC rigs and built PCs. I have been begging for years from my parents to help me pay for a computer so i can pursue my passion of editing and animation, since fellow editors know the struggle of a program crashing midway and losing all your progress. My computer is so bad it even lags on netflix, so Adobe, Sony Vegas and all other editing softwares cannot function.
My parents keep promising me a laptop, but never bought one. So i complained to my boyfriend. I would buy myself one but as a uni student i cannot afford it. So John offered to buy me one for my birthday next month (late July). Since then my parents have none stop fought with me, demanded he "does not waste his money" on me, and have generally picked a ton of fights over this. He alos surprised me with new headphones, that my parents demanded to know the price of, and when i refused to tell them my mother said he shouldnt waste his money on me, (her favorite phrase i guess) then looked it up behind my back and continue to mention how expensive they are and how itll go to waste with me.
I can provide more context if needed but this has been happening for months and I cant wrap my head around why this is such a big problem for them.
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TLDR- Parents spoil my siblings with all needed technology, refuse to get it for me when im struggling and need it, boyfriend offers to buy it for me, causes a shitton of problems in my household.
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Edit: For my own safety i had to remove identifiable information.

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