CINXE.COM
<!doctype html><html lang="en"><head><title data-rh="true">The most insightful stories about Credit - Medium</title><meta data-rh="true" charset="utf-8"/><meta data-rh="true" name="viewport" content="width=device-width,minimum-scale=1,initial-scale=1,maximum-scale=1"/><meta data-rh="true" name="theme-color" content="#000000"/><meta data-rh="true" name="twitter:app:name:iphone" content="Medium"/><meta data-rh="true" name="twitter:app:id:iphone" content="828256236"/><meta data-rh="true" property="al:ios:app_name" content="Medium"/><meta data-rh="true" property="al:ios:app_store_id" content="828256236"/><meta data-rh="true" property="al:android:package" content="com.medium.reader"/><meta data-rh="true" property="al:android:app_name" content="Medium"/><meta data-rh="true" property="fb:app_id" content="542599432471018"/><meta data-rh="true" property="og:site_name" content="Medium"/><meta data-rh="true" name="title" content="The most insightful stories about Credit - Medium"/><meta data-rh="true" name="description" content="Read stories about Credit on Medium. Discover smart, unique perspectives on Credit and the topics that matter most to you like Credit Score, Credit Cards, Finance, Credit Repair, Blockchain, Money, Loans, Debt, and Fintech."/><meta data-rh="true" name="robots" content="index,follow"/><meta data-rh="true" name="twitter:card" content="summary_large_image"/><meta data-rh="true" name="twitter:site" content="@Medium"/><meta data-rh="true" name="twitter:description" content="Read stories about Credit on Medium. Discover smart, unique perspectives on Credit and the topics that matter most to you like Credit Score, Credit Cards, Finance, Credit Repair, Blockchain, Money, Loans, Debt, and Fintech."/><meta data-rh="true" name="twitter:image:src" content="https://miro.medium.com/v2/1*0L5w2b6T1yEVI3_ZYUWONw.png"/><meta data-rh="true" property="og:title" content="The most insightful stories about Credit - Medium"/><meta data-rh="true" property="og:type" content="website"/><meta data-rh="true" property="og:description" content="Read stories about Credit on Medium. Discover smart, unique perspectives on Credit and the topics that matter most to you like Credit Score, Credit Cards, Finance, Credit Repair, Blockchain, Money, Loans, Debt, and Fintech."/><meta data-rh="true" property="og:image" content="https://miro.medium.com/v2/1*0L5w2b6T1yEVI3_ZYUWONw.png"/><link data-rh="true" rel="icon" href="https://miro.medium.com/v2/5d8de952517e8160e40ef9841c781cdc14a5db313057fa3c3de41c6f5b494b19"/><link data-rh="true" rel="search" type="application/opensearchdescription+xml" title="Medium" href="/osd.xml"/><link data-rh="true" rel="apple-touch-icon" sizes="152x152" href="https://miro.medium.com/v2/resize:fill:304:304/10fd5c419ac61637245384e7099e131627900034828f4f386bdaa47a74eae156"/><link data-rh="true" rel="apple-touch-icon" sizes="120x120" href="https://miro.medium.com/v2/resize:fill:240:240/10fd5c419ac61637245384e7099e131627900034828f4f386bdaa47a74eae156"/><link data-rh="true" rel="apple-touch-icon" sizes="76x76" href="https://miro.medium.com/v2/resize:fill:152:152/10fd5c419ac61637245384e7099e131627900034828f4f386bdaa47a74eae156"/><link data-rh="true" rel="apple-touch-icon" sizes="60x60" href="https://miro.medium.com/v2/resize:fill:120:120/10fd5c419ac61637245384e7099e131627900034828f4f386bdaa47a74eae156"/><link data-rh="true" rel="mask-icon" href="https://miro.medium.com/v2/resize:fill:1000:1000/7*GAOKVe--MXbEJmV9230oOQ.png" color="#171717"/><link data-rh="true" rel="preconnect" href="https://glyph.medium.com" crossOrigin=""/><link data-rh="true" id="glyph_preload_link" rel="preload" as="style" type="text/css" href="https://glyph.medium.com/css/unbound.css"/><link data-rh="true" id="glyph_link" rel="stylesheet" type="text/css" href="https://glyph.medium.com/css/unbound.css"/><link data-rh="true" rel="canonical" href="https://medium.com/tag/credit"/><style type="text/css" data-fela-rehydration="511" data-fela-type="STATIC">html{box-sizing:border-box;-webkit-text-size-adjust:100%}*, *:before, *:after{box-sizing:inherit}body{margin:0;padding:0;text-rendering:optimizeLegibility;-webkit-font-smoothing:antialiased;color:rgba(0,0,0,0.8);position:relative;min-height:100vh}h1, h2, h3, h4, h5, h6, dl, dd, ol, ul, menu, figure, blockquote, p, pre, form{margin:0}menu, ol, ul{padding:0;list-style:none;list-style-image:none}main{display:block}a{color:inherit;text-decoration:none}a, button, input{-webkit-tap-highlight-color:transparent}img, svg{vertical-align:middle}button{background:transparent;overflow:visible}button, input, optgroup, select, textarea{margin:0}:root{--reach-tabs:1;--reach-menu-button:1}#speechify-root{font-family:Sohne, sans-serif}div[data-popper-reference-hidden="true"]{visibility:hidden;pointer-events:none}.grecaptcha-badge{visibility:hidden} /*XCode style (c) Angel Garcia <angelgarcia.mail@gmail.com>*/.hljs {background: #fff;color: black; }/* Gray DOCTYPE selectors like WebKit */ .xml .hljs-meta {color: #c0c0c0; }.hljs-comment, .hljs-quote {color: #007400; }.hljs-tag, .hljs-attribute, .hljs-keyword, .hljs-selector-tag, .hljs-literal, .hljs-name {color: #aa0d91; }.hljs-variable, .hljs-template-variable {color: #3F6E74; }.hljs-code, .hljs-string, .hljs-meta .hljs-string {color: #c41a16; }.hljs-regexp, .hljs-link {color: #0E0EFF; }.hljs-title, .hljs-symbol, .hljs-bullet, .hljs-number {color: #1c00cf; }.hljs-section, .hljs-meta {color: #643820; }.hljs-title.class_, .hljs-class .hljs-title, .hljs-type, .hljs-built_in, .hljs-params {color: #5c2699; }.hljs-attr {color: #836C28; }.hljs-subst {color: #000; }.hljs-formula {background-color: #eee;font-style: italic; }.hljs-addition {background-color: #baeeba; }.hljs-deletion {background-color: #ffc8bd; }.hljs-selector-id, .hljs-selector-class {color: #9b703f; }.hljs-doctag, .hljs-strong {font-weight: bold; }.hljs-emphasis {font-style: italic; } </style><style type="text/css" data-fela-rehydration="511" data-fela-type="KEYFRAME">@-webkit-keyframes k1{0%{opacity:0.8}50%{opacity:0.5}100%{opacity:0.8}}@-moz-keyframes k1{0%{opacity:0.8}50%{opacity:0.5}100%{opacity:0.8}}@keyframes k1{0%{opacity:0.8}50%{opacity:0.5}100%{opacity:0.8}}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE">.a{font-family:medium-content-sans-serif-font, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen, Ubuntu, Cantarell, "Open Sans", "Helvetica Neue", sans-serif}.b{font-weight:400}.c{background-color:rgba(255, 255, 255, 1)}.l{display:block}.m{position:sticky}.n{top:0}.o{z-index:500}.p{padding:0 24px}.q{align-items:center}.r{border-bottom:solid 1px #F2F2F2}.y{height:41px}.z{line-height:20px}.ab{display:flex}.ac{height:57px}.ae{flex:1 0 auto}.af{color:inherit}.ag{fill:inherit}.ah{font-size:inherit}.ai{border:inherit}.aj{font-family:inherit}.ak{letter-spacing:inherit}.al{font-weight:inherit}.am{padding:0}.an{margin:0}.ao{cursor:pointer}.ap:disabled{cursor:not-allowed}.aq:disabled{color:#6B6B6B}.ar:disabled{fill:#6B6B6B}.au{width:auto}.av path{fill:#242424}.aw{height:25px}.ax{margin-left:16px}.ay{border:none}.az{border-radius:20px}.ba{width:240px}.bb{background:#F9F9F9}.bc path{fill:#6B6B6B}.be{outline:none}.bf{font-family:sohne, "Helvetica Neue", Helvetica, Arial, sans-serif}.bg{font-size:14px}.bh{width:100%}.bi{padding:10px 20px 10px 0}.bj{background-color:transparent}.bk{color:#242424}.bl::placeholder{color:#6B6B6B}.bm{display:inline-block}.bn{margin-left:12px}.bo{margin-right:12px}.bp{border-radius:4px}.bq{margin-left:24px}.br{height:24px}.bx{background-color:#F9F9F9}.by{border-radius:50%}.bz{height:32px}.ca{width:32px}.cb{animation:k1 1.2s ease-in-out infinite}.cc{justify-content:center}.ci{max-width:1192px}.cj{min-width:0}.ck{margin-bottom:48px}.cl{margin-top:24px}.cm{overflow:hidden}.cq{border-radius:100px}.cr{margin-right:8px}.cs{height:38px}.ct{width:120px}.cu{flex:0 0 auto}.cv{background-color:#F2F2F2}.db{flex-direction:column}.dc{margin-bottom:16px}.dn{margin-bottom:24px}.do{height:16px}.du{width:80px}.eb{height:1px}.ec{align-items:stretch}.ed{flex-direction:row}.ee{flex-wrap:wrap}.fp{flex-grow:0}.fq{margin-bottom:32px}.fr{height:200px}.fs{width:158px}.ft{margin-bottom:8px}.fu{width:288px}.fv{width:296px}.fw{margin-bottom:56px}.fx{width:224px}.fy{margin-left:8px}.fz{color:#6B6B6B}.ga{font-size:13px}.gb{height:100%}.gt{color:#FFFFFF}.gu{fill:#FFFFFF}.gv{background:#1A8917}.gw{border-color:#1A8917}.ha:disabled{cursor:inherit !important}.hb:disabled{opacity:0.3}.hc:disabled:hover{background:#1A8917}.hd:disabled:hover{border-color:#1A8917}.he{border-radius:99em}.hf{border-width:1px}.hg{border-style:solid}.hh{box-sizing:border-box}.hi{text-decoration:none}.hj{text-align:center}.hm{margin-right:32px}.hn{position:relative}.ho{fill:#6B6B6B}.hr{background:transparent}.hs svg{margin-left:4px}.ht svg{fill:#6B6B6B}.hv{box-shadow:inset 0 0 0 1px rgba(0, 0, 0, 0.05)}.hw{position:absolute}.ig{margin-top:22px}.ih{overflow-x:scroll}.ii{overflow-y:hidden}.ij::-webkit-scrollbar{height:0}.ik::-webkit-scrollbar{width:0}.il::-webkit-scrollbar{background:transparent}.im{scrollbar-width:none}.in{-ms-overflow-style:none}.io::-webkit-scrollbar:horizontal{height:0}.ip{width:24px}.iq{border:1px solid #F2F2F2}.ir{padding:6px}.iz{white-space:nowrap}.ja{transition:background 300ms ease}.jc{padding:8px 16px}.jd{border:1px solid #242424}.je{right:0}.jf{bottom:12px}.jg{padding-left:42px}.jh{pointer-events:none}.ji{opacity:0}.jj{background:linear-gradient(90deg, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.75) 25%, rgba(255, 255, 255, 0.9) 50%, rgba(255, 255, 255, 1) 75%)}.jk{height:42px}.jl{margin:2px}.jm svg path{fill:#6B6B6B}.jo{left:0}.jp{padding-right:42px}.jq{background:linear-gradient(270deg, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 0.75) 25%, rgba(255, 255, 255, 0.9) 50%, rgba(255, 255, 255, 1) 75%)}.kj{font-weight:500}.kz{margin:0 8px}.la{color:rgba(255, 255, 255, 1)}.lb{fill:rgba(255, 255, 255, 1)}.lc{background:rgba(25, 25, 25, 1)}.ld{border-color:rgba(25, 25, 25, 1)}.lg:disabled{opacity:0.1}.lh:disabled:hover{background:rgba(25, 25, 25, 1)}.li:disabled:hover{border-color:rgba(25, 25, 25, 1)}.lj{height:0px}.lo{margin:40px 0}.me{margin-top:0px}.mf{box-sizing:content-box}.mg{display:grid}.mh{grid-template-columns:repeat(12, 1fr)}.mi{grid-template-rows:auto 1fr}.mt{grid-area:image}.mu{grid-area:content}.na{border-radius:2px}.nb{aspect-ratio:2}.nc{object-fit:cover}.nd{object-position:50% 50%}.ne{flex-grow:1}.nf a{position:relative}.ng a{z-index:2}.nh button{position:relative}.ni button{z-index:2}.no{height:20px}.np{width:20px}.nr{max-height:20px}.ns{text-overflow:ellipsis}.nt{display:-webkit-box}.nu{-webkit-line-clamp:1}.nv{-webkit-box-orient:vertical}.nw{word-break:break-all}.ny{padding-bottom:12px}.oe{word-break:break-word}.of a{position:static}.og a::before{content:""}.oh a::before{position:absolute}.oi a::before{z-index:1}.oj a::before{top:0}.ok a::before{left:0}.ol a::before{bottom:0}.om a::before{right:0}.on{font-weight:700}.pe{padding-top:8px}.pf{font-size:16px}.pg{max-height:40px}.ph{-webkit-line-clamp:2}.pi{height:48px}.pj{justify-content:space-between}.pk{max-width:200px}.pl{opacity:1}.pm{transition:opacity 300ms ease-out}.pn{gap:16px}.po{justify-content:flex-end}.pp{flex:0 0 0}.pr{padding:12px}.ps{margin-top:32px}.pt{gap:4px}.pu{flex:1 1 auto}.pv a{display:flex}.pw a{flex-direction:column}.qw{padding-top:12px}.ri{gap:80px 48px}.rj{grid-area:post0}.rk{grid-area:post1}.rl{grid-area:post2}.rm{grid-area:post3}.rn{grid-area:post4}.ro{grid-area:post5}.rp{grid-area:post6}.rq{grid-area:post7}.sh{fill:#242424}.si{background:0}.sj{border-color:#242424}.sl:disabled:hover{color:#242424}.sm:disabled:hover{fill:#242424}.sn:disabled:hover{border-color:#242424}.so{width:min-width}.sp{bottom:0}.sq{z-index:800}.sr{background:rgba(255,255,255,0.7)}.as:hover:not(:disabled){color:rgba(25, 25, 25, 1)}.at:hover:not(:disabled){fill:rgba(25, 25, 25, 1)}.gx:hover{background:#156D12}.gy:hover{border-color:#156D12}.gz:hover{cursor:pointer}.hp:hover{color:#242424}.hq:hover{fill:#242424}.hu:hover svg{fill:#242424}.hx:hover{background-color:rgba(0, 0, 0, 0.1)}.jb:hover{background-color:#F2F2F2}.jn:hover svg path{fill:#000000}.le:hover{background:#000000}.lf:hover{border-color:#242424}.nq:hover{text-decoration:underline}.pq:hover{color:#000000}.sk:hover{fill:#000000}.bd:focus-within path{fill:#242424}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (min-width: 1080px)">.d{display:none}.bw{width:64px}.ch{margin:0 24px}.cp{justify-content:center}.da{margin:0 64px}.dl{height:48px}.dm{width:280px}.dt{margin-bottom:76px}.ea{margin-bottom:40px}.es{width:calc(100% + 48px)}.et{margin-left:-24px}.eu{margin-right:-24px}.fl{padding-left:24px}.fm{padding-right:24px}.fn{flex-basis:50%}.fo{max-width:50%}.gk{font-size:14px}.gl{line-height:20px}.gr{font-size:13px}.gs{padding:5px 12px}.hl{display:flex}.if{margin-bottom:46px}.ix{padding-right:16px}.iy{margin-right:24px}.kb{margin-top:16px}.kc{font-size:16px}.kd{line-height:24px}.ki{margin:0 24px 56px}.kw{font-size:42px}.kx{line-height:52px}.ky{letter-spacing:-0.011em}.ln{margin:0 24px 80px}.mb{font-size:24px}.mc{line-height:30px}.md{letter-spacing:-0.016em}.mr{gap:24px 0}.ms{grid-template-areas:"image image image image image image image image image image image image" "content content content content content content content content content content content content"}.mz{display:block}.nn{margin-bottom:16px}.od{flex:1 0 auto}.pa{font-size:20px}.pb{max-height:48px}.pc{-webkit-line-clamp:2}.pd{letter-spacing:0}.qf{max-height:96px}.qg{-webkit-line-clamp:4}.qp{padding-top:2px}.qq{width:100%}.qv{margin-left:24px}.rb{margin-top:20px}.rg{grid-template-columns:repeat(6, 1fr)}.rh{grid-template-areas: "post0 post0 post0 post1 post1 post1" "post2 post2 post3 post3 post4 post4" "post5 post5 post6 post6 post7 post7" }.rs{gap:32px 0}.rx{aspect-ratio:1.5}.rz{max-height:60px}.sb{aspect-ratio:2}.sg{margin-top:80px}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (max-width: 1079.98px)">.e{display:none}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (max-width: 903.98px)">.f{display:none}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (max-width: 727.98px)">.g{display:none}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (max-width: 551.98px)">.h{display:none}.s{display:flex}.t{justify-content:space-between}.bs{width:24px}.cd{margin:0 0 0 24px}.cw{margin:0 24px}.dd{height:32px}.de{width:200px}.dp{margin-bottom:48px}.dv{margin:0}.ef{width:calc(100% + 24px)}.eg{margin-left:-12px}.eh{margin-right:-12px}.ev{padding-left:12px}.ew{padding-right:12px}.ex{flex-basis:100%}.ey{max-width:100%}.gc{font-size:13px}.gd{line-height:20px}.gm{padding:0px 8px 1px}.hy{margin:0px}.ib{margin-bottom:38px}.is{margin-right:16px}.jr{margin-top:12px}.js{font-size:14px}.ke{margin:0 24px 48px}.kk{font-size:24px}.kl{line-height:30px}.km{letter-spacing:-0.016em}.lk{margin:0 24px 56px}.lp{font-size:20px}.lq{line-height:24px}.lr{letter-spacing:0}.mj{gap:24px 0}.mk{grid-template-areas:"image image image image image image image image image image image image" "content content content content content content content content content content content content"}.mv{display:block}.nj{margin-bottom:16px}.nz{flex:1 0 auto}.oo{max-height:48px}.op{-webkit-line-clamp:2}.px{max-height:96px}.py{-webkit-line-clamp:4}.qh{padding-top:2px}.qi{width:100%}.qr{margin-left:24px}.qx{margin-top:20px}.rt{aspect-ratio:2}.sc{margin-top:32px}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (min-width: 904px) and (max-width: 1079.98px)">.i{display:none}.bv{width:64px}.cg{margin:0 24px}.co{justify-content:center}.cz{margin:0 64px}.dj{height:48px}.dk{width:280px}.ds{margin-bottom:76px}.dz{margin-bottom:40px}.ep{width:calc(100% + 32px)}.eq{margin-left:-16px}.er{margin-right:-16px}.fh{padding-left:16px}.fi{padding-right:16px}.fj{flex-basis:50%}.fk{max-width:50%}.gi{font-size:14px}.gj{line-height:20px}.gp{font-size:13px}.gq{padding:5px 12px}.hk{display:flex}.ie{margin-bottom:46px}.iw{margin-right:24px}.jy{margin-top:16px}.jz{font-size:16px}.ka{line-height:24px}.kh{margin:0 24px 56px}.kt{font-size:42px}.ku{line-height:52px}.kv{letter-spacing:-0.011em}.lm{margin:0 24px 80px}.ly{font-size:24px}.lz{line-height:30px}.ma{letter-spacing:-0.016em}.mp{gap:24px 0}.mq{grid-template-areas:"image image image image image image image image image image image image" "content content content content content content content content content content content content"}.my{display:block}.nm{margin-bottom:16px}.oc{flex:1 0 auto}.ow{font-size:20px}.ox{max-height:48px}.oy{-webkit-line-clamp:2}.oz{letter-spacing:0}.qd{max-height:96px}.qe{-webkit-line-clamp:4}.qn{padding-top:2px}.qo{width:100%}.qu{margin-left:24px}.ra{margin-top:20px}.re{grid-template-columns:repeat(6, 1fr)}.rf{grid-template-areas: "post0 post0 post0 post1 post1 post1" "post2 post2 post3 post3 post4 post4" "post5 post5 post6 post6 post7 post7" }.rr{gap:32px 0}.rw{aspect-ratio:1.5}.ry{max-height:60px}.sa{aspect-ratio:2}.sf{margin-top:80px}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (min-width: 728px) and (max-width: 903.98px)">.j{display:none}.w{display:flex}.x{justify-content:space-between}.bu{width:64px}.cf{margin:0 24px}.cn{justify-content:center}.cy{margin:0 48px}.dh{height:48px}.di{width:280px}.dr{margin-bottom:76px}.dx{margin:0}.dy{margin-bottom:40px}.el{width:calc(100% + 28px)}.em{margin-left:-14px}.eo{margin-right:-14px}.fd{padding-left:14px}.fe{padding-right:14px}.ff{flex-basis:50%}.fg{max-width:50%}.gg{font-size:13px}.gh{line-height:20px}.go{padding:0px 8px 1px}.ia{margin:0px}.id{margin-bottom:46px}.iu{padding-right:16px}.iv{margin-right:24px}.jv{margin-top:16px}.jw{font-size:16px}.jx{line-height:24px}.kg{margin:0 24px 56px}.kq{font-size:42px}.kr{line-height:52px}.ks{letter-spacing:-0.011em}.lv{font-size:24px}.lw{line-height:30px}.lx{letter-spacing:-0.016em}.mn{gap:24px 0}.mo{grid-template-areas:"image image image image image image image image image image image image" "content content content content content content content content content content content content"}.mx{display:block}.nl{margin-bottom:16px}.ob{flex:1 0 auto}.os{font-size:20px}.ot{max-height:48px}.ou{-webkit-line-clamp:2}.ov{letter-spacing:0}.qb{max-height:96px}.qc{-webkit-line-clamp:4}.ql{padding-top:2px}.qm{width:100%}.qt{margin-left:24px}.qz{margin-top:20px}.rc{grid-template-columns:repeat(2, 1fr)}.rd{grid-template-areas: "post0 post1" "post2 post3" "post4 post5" "post6 post7" }.rv{aspect-ratio:2}.se{margin-top:80px}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="all and (min-width: 552px) and (max-width: 727.98px)">.k{display:none}.u{display:flex}.v{justify-content:space-between}.bt{width:24px}.ce{margin:0 0 0 24px}.cx{margin:0 24px}.df{height:32px}.dg{width:200px}.dq{margin-bottom:48px}.dw{margin:0}.ei{width:calc(100% + 24px)}.ej{margin-left:-12px}.ek{margin-right:-12px}.ez{padding-left:12px}.fa{padding-right:12px}.fb{flex-basis:100%}.fc{max-width:100%}.ge{font-size:13px}.gf{line-height:20px}.gn{padding:0px 8px 1px}.hz{margin:0px}.ic{margin-bottom:38px}.it{margin-right:16px}.jt{margin-top:12px}.ju{font-size:14px}.kf{margin:0 24px 48px}.kn{font-size:24px}.ko{line-height:30px}.kp{letter-spacing:-0.016em}.ll{margin:0 24px 56px}.ls{font-size:20px}.lt{line-height:24px}.lu{letter-spacing:0}.ml{gap:24px 0}.mm{grid-template-areas:"image image image image image image image image image image image image" "content content content content content content content content content content content content"}.mw{display:block}.nk{margin-bottom:16px}.oa{flex:1 0 auto}.oq{max-height:48px}.or{-webkit-line-clamp:2}.pz{max-height:96px}.qa{-webkit-line-clamp:4}.qj{padding-top:2px}.qk{width:100%}.qs{margin-left:24px}.qy{margin-top:20px}.ru{aspect-ratio:2}.sd{margin-top:32px}</style><style type="text/css" data-fela-rehydration="511" data-fela-type="RULE" media="(orientation: landscape) and (max-width: 903.98px)">.nx{max-height:none}</style></head><body><div id="root"><div class="a b c"><div class="d e f g h i j k"></div><script>document.domain = document.domain;</script><div class="l c"><div class="l m n o c"><div class="p q r s t u v w x i d y z"><a class="fz ag ga bf ak b am an ao ap aq ar as at s u w i d q gb z" href="https://rsci.app.link/?%24canonical_url=https%3A%2F%2Fmedium.com%2Ftag%2Fcredit&%7Efeature=LoOpenInAppButton&%7Echannel=ShowTagPosts&source=---top_nav_layout_nav-----------------------------------------" rel="noopener follow">Open in app<svg xmlns="http://www.w3.org/2000/svg" width="10" height="10" fill="none" viewBox="0 0 10 10" class="fy"><path fill="currentColor" d="M.985 8.485a.375.375 0 1 0 .53.53zM8.75 1.25h.375A.375.375 0 0 0 8.75.875zM8.375 6.5a.375.375 0 1 0 .75 0zM3.5.875a.375.375 0 1 0 0 .75zm-1.985 8.14 7.5-7.5-.53-.53-7.5 7.5zm6.86-7.765V6.5h.75V1.25zM3.5 1.625h5.25v-.75H3.5z"></path></svg></a><div class="ab q"><p class="bf b gc gd ge gf gg gh gi gj gk gl fz"><span><button class="bf b gc gd gm ge gf gn gg gh go gp gj gq gr gl gs gt gu gv gw gx gy gz ha hb hc hd he hf hg hh bm hi hj" data-testid="headerSignUpButton">Sign up</button></span></p><div class="ax l"><p class="bf b gc gd ge gf gg gh gi gj gk gl fz"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" data-testid="headerSignInButton" rel="noopener follow" href="/m/signin?operation=login&redirect=https%3A%2F%2Fmedium.com%2Ftag%2Fcredit&source=login---top_nav_layout_nav-----------------------global_nav------------------">Sign in</a></span></p></div></div></div><div class="p q r ab ac"><div class="ab q ae"><a class="af ag ah ai aj ak al am an ao ap aq ar as at ab" aria-label="Homepage" data-testid="headerMediumLogo" rel="noopener follow" href="/?source=---top_nav_layout_nav-----------------------------------------"><svg xmlns="http://www.w3.org/2000/svg" width="719" height="160" fill="none" viewBox="0 0 719 160" class="au av aw"><path fill="#242424" d="m174.104 9.734.215-.047V8.02H130.39L89.6 103.89 48.81 8.021H1.472v1.666l.212.047c8.018 1.81 12.09 4.509 12.09 14.242V137.93c0 9.734-4.087 12.433-12.106 14.243l-.212.047v1.671h32.118v-1.665l-.213-.048c-8.018-1.809-12.089-4.509-12.089-14.242V30.586l52.399 123.305h2.972l53.925-126.743V140.75c-.687 7.688-4.721 10.062-11.982 11.701l-.215.05v1.652h55.948v-1.652l-.215-.05c-7.269-1.639-11.4-4.013-12.087-11.701l-.037-116.774h.037c0-9.733 4.071-12.432 12.087-14.242m25.555 75.488c.915-20.474 8.268-35.252 20.606-35.507 3.806.063 6.998 1.312 9.479 3.714 5.272 5.118 7.751 15.812 7.368 31.793zm-.553 5.77h65.573v-.275c-.186-15.656-4.721-27.834-13.466-36.196-7.559-7.227-18.751-11.203-30.507-11.203h-.263c-6.101 0-13.584 1.48-18.909 4.16-6.061 2.807-11.407 7.003-15.855 12.511-7.161 8.874-11.499 20.866-12.554 34.343q-.05.606-.092 1.212a50 50 0 0 0-.065 1.151 85.807 85.807 0 0 0-.094 5.689c.71 30.524 17.198 54.917 46.483 54.917 25.705 0 40.675-18.791 44.407-44.013l-1.886-.664c-6.557 13.556-18.334 21.771-31.738 20.769-18.297-1.369-32.314-19.922-31.042-42.395m139.722 41.359c-2.151 5.101-6.639 7.908-12.653 7.908s-11.513-4.129-15.418-11.63c-4.197-8.053-6.405-19.436-6.405-32.92 0-28.067 8.729-46.22 22.24-46.22 5.657 0 10.111 2.807 12.236 7.704zm43.499 20.008c-8.019-1.897-12.089-4.722-12.089-14.951V1.309l-48.716 14.353v1.757l.299-.024c6.72-.543 11.278.386 13.925 2.83 2.072 1.915 3.082 4.853 3.082 8.987v18.66c-4.803-3.067-10.516-4.56-17.448-4.56-14.059 0-26.909 5.92-36.176 16.672-9.66 11.205-14.767 26.518-14.767 44.278-.003 31.72 15.612 53.039 38.851 53.039 13.595 0 24.533-7.449 29.54-20.013v16.865h43.711v-1.746zM424.1 19.819c0-9.904-7.468-17.374-17.375-17.374-9.859 0-17.573 7.632-17.573 17.374s7.721 17.374 17.573 17.374c9.907 0 17.375-7.47 17.375-17.374m11.499 132.546c-8.019-1.897-12.089-4.722-12.089-14.951h-.035V43.635l-43.714 12.551v1.705l.263.024c9.458.842 12.047 4.1 12.047 15.152v81.086h43.751v-1.746zm112.013 0c-8.018-1.897-12.089-4.722-12.089-14.951V43.635l-41.621 12.137v1.71l.246.026c7.733.813 9.967 4.257 9.967 15.36v59.279c-2.578 5.102-7.415 8.131-13.274 8.336-9.503 0-14.736-6.419-14.736-18.073V43.638l-43.714 12.55v1.703l.262.024c9.459.84 12.05 4.097 12.05 15.152v50.17a56.3 56.3 0 0 0 .91 10.444l.787 3.423c3.701 13.262 13.398 20.197 28.59 20.197 12.868 0 24.147-7.966 29.115-20.43v17.311h43.714v-1.747zm169.818 1.788v-1.749l-.213-.05c-8.7-2.006-12.089-5.789-12.089-13.49v-63.79c0-19.89-11.171-31.761-29.883-31.761-13.64 0-25.141 7.882-29.569 20.16-3.517-13.01-13.639-20.16-28.606-20.16-13.146 0-23.449 6.938-27.869 18.657V43.643L545.487 55.68v1.715l.263.024c9.345.829 12.047 4.181 12.047 14.95v81.784h40.787v-1.746l-.215-.053c-6.941-1.631-9.181-4.606-9.181-12.239V66.998c1.836-4.289 5.537-9.37 12.853-9.37 9.086 0 13.692 6.296 13.692 18.697v77.828h40.797v-1.746l-.215-.053c-6.94-1.631-9.18-4.606-9.18-12.239V75.066a42 42 0 0 0-.578-7.26c1.947-4.661 5.86-10.177 13.475-10.177 9.214 0 13.691 6.114 13.691 18.696v77.828z"></path></svg></a><div class="ax h"><div class="ab ay az ba bb q bc bd"><div class="bm" aria-hidden="false" aria-describedby="searchResults" aria-labelledby="searchResults"></div><div class="bn bo ab"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" viewBox="0 0 24 24"><path fill="currentColor" fill-rule="evenodd" d="M4.092 11.06a6.95 6.95 0 1 1 13.9 0 6.95 6.95 0 0 1-13.9 0m6.95-8.05a8.05 8.05 0 1 0 5.13 14.26l3.75 3.75a.56.56 0 1 0 .79-.79l-3.73-3.73A8.05 8.05 0 0 0 11.042 3z" clip-rule="evenodd"></path></svg></div><input role="combobox" aria-controls="searchResults" aria-expanded="false" aria-label="search" data-testid="headerSearchInput" tabindex="0" class="ay be bf bg z bh bi bj bk bl" placeholder="Search" value=""/></div></div></div><div class="h k w hk hl"><div class="hm ab"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" data-testid="headerWriteButton" rel="noopener follow" href="/m/signin?operation=register&redirect=https%3A%2F%2Fmedium.com%2Fnew-story&source=---top_nav_layout_nav-----------------------new_post_topnav------------------"><div class="bf b bg z fz hn ho ab q hp hq"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" viewBox="0 0 24 24" aria-label="Write"><path fill="currentColor" d="M14 4a.5.5 0 0 0 0-1zm7 6a.5.5 0 0 0-1 0zm-7-7H4v1h10zM3 4v16h1V4zm1 17h16v-1H4zm17-1V10h-1v10zm-1 1a1 1 0 0 0 1-1h-1zM3 20a1 1 0 0 0 1 1v-1zM4 3a1 1 0 0 0-1 1h1z"></path><path stroke="currentColor" d="m17.5 4.5-8.458 8.458a.25.25 0 0 0-.06.098l-.824 2.47a.25.25 0 0 0 .316.316l2.47-.823a.25.25 0 0 0 .098-.06L19.5 6.5m-2-2 2.323-2.323a.25.25 0 0 1 .354 0l1.646 1.646a.25.25 0 0 1 0 .354L19.5 6.5m-2-2 2 2"></path></svg><div class="fy l">Write</div></div></a></span></div></div><div class="k j i d"><div class="hm ab"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" data-testid="headerSearchButton" rel="noopener follow" href="/search?source=---top_nav_layout_nav-----------------------------------------"><div class="bf b bg z fz hn ho ab q hp hq"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" fill="none" viewBox="0 0 24 24" aria-label="Search"><path fill="currentColor" fill-rule="evenodd" d="M4.092 11.06a6.95 6.95 0 1 1 13.9 0 6.95 6.95 0 0 1-13.9 0m6.95-8.05a8.05 8.05 0 1 0 5.13 14.26l3.75 3.75a.56.56 0 1 0 .79-.79l-3.73-3.73A8.05 8.05 0 0 0 11.042 3z" clip-rule="evenodd"></path></svg></div></a></div></div><div class="hm h k j"><div class="ab q"><p class="bf b gc gd ge gf gg gh gi gj gk gl fz"><span><button class="bf b gc gd gm ge gf gn gg gh go gp gj gq gr gl gs gt gu gv gw gx gy gz ha hb hc hd he hf hg hh bm hi hj" data-testid="headerSignUpButton">Sign up</button></span></p><div class="ax l"><p class="bf b gc gd ge gf gg gh gi gj gk gl fz"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" data-testid="headerSignInButton" rel="noopener follow" href="/m/signin?operation=login&redirect=https%3A%2F%2Fmedium.com%2Ftag%2Fcredit&source=login---top_nav_layout_nav-----------------------global_nav------------------">Sign in</a></span></p></div></div></div><div class="l" aria-hidden="false"><button class="ay hr am ab q ao hs ht hu" aria-label="user options menu" data-testid="headerUserIcon"><div class="l hn"><img alt="" class="l hh by bz ca cv" src="https://miro.medium.com/v2/resize:fill:64:64/1*dmbNkD5D-u45r44go_cf0g.png" width="32" height="32" loading="lazy" role="presentation"/><div class="hv by l bz ca hw n ay hx"></div></div></button></div></div></div><div class="ab cc"><div class="hy hz ia cg ch ci cj bh"><div class="ib ic id ie if ig l hn"><div class="ab q ih ii ij ik il im in io"><div class="ip i d cu"></div><a class="bk ag bg iq bf ak b ir an ao ap aq ar as at z ab q is it iu iv fi iw ix iy iz cv cq ja jb" rel="noopener follow" href="/explore-topics?source=topic_portal---topic_nav---credit--------------------------------------"><svg xmlns="http://www.w3.org/2000/svg" fill="none" viewBox="0 0 24 24" height="24" width="24"><circle cx="12" cy="12.001" r="10.5" stroke="currentColor"></circle><path fill="currentColor" fill-rule="evenodd" d="m16.083 6.167-.147.989-.984 6.636-.036.247-.22.119-5.899 3.194-.88.476.147-.989.984-6.635.037-.248.22-.119 5.899-3.194zM9.92 11.15 9.2 15.997l4.308-2.333zm4.163 1.695-3.59-2.514L14.8 8z" clip-rule="evenodd"></path></svg><div class="fy h k">Explore topics</div></a><a class="cr ay am ao" aria-current="page" rel="noopener follow" href="/tag/credit?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq jd ja jb bf b bg z bk iz">Credit</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/credit-score?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Credit Score</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/credit-cards?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Credit Cards</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/finance?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Finance</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/credit-repair?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Credit Repair</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/blockchain?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Blockchain</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/money?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Money</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/loans?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Loans</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/debt?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Debt</div></a><a class="cr ay am ao" rel="noopener follow" href="/tag/fintech?source=topic_portal---topic_nav---credit--------------------------------------"><div class="jc hn cv cq iq ja jb bf b bg z bk iz">Fintech</div></a><div class="hw je n jf jg ab q jh ji jj jk"><button class="ay am jl ao jm jn" aria-label="next sections" tabindex="-1"><svg width="26px" height="26px" class="svgIcon-use" viewBox="0 0 19 19" style="transform:rotate(180deg)" aria-hidden="true"><path fill-rule="evenodd" d="M11.47 13.969 6.986 9.484 11.47 5l.553.492L8.03 9.484l3.993 3.993z"></path></svg></button></div><div class="hw jo n jf jp ab q jh ji jq jk"><button class="ay am jl ao jm jn" aria-label="previous sections" tabindex="-1"><svg width="26px" height="26px" class="svgIcon-use" viewBox="0 0 19 19" aria-hidden="true"><path fill-rule="evenodd" d="M11.47 13.969 6.986 9.484 11.47 5l.553.492L8.03 9.484l3.993 3.993z"></path></svg></button></div></div></div></div></div><div class="l hn"><div class="ab cc"><div class="ke kf kg kh ki ci cj bh"><div class="l hj"><h2 class="bf kj kk kl km kn ko kp kq kr ks kt ku kv kw kx ky bk">Credit</h2><div class="ab cc jr js gd jt ju gf jv jw jx jy jz ka kb kc kd dn bf b fz">Topic<div class="kz l">·</div>85<!-- --> <!-- -->Followers<div class="kz l">·</div>9.2K<!-- --> <!-- -->Stories</div><div class="l"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2Fsignedin%2Fsubscriptions%2Ftag%2Fcredit%3FfollowSource%3Dtopics_v2&operation=register&redirect=https%3A%2F%2Fmedium.com%2Ftag%2Fcredit&source=------credit--------------------follow_tag------------------"><button class="bf b bg z la jc lb lc ld le lf gz ha lg lh li he hf hg hh bm hi hj">Follow</button></a></span></div></div></div></div><div class="ab cc"><div class="hy hz ia cg ch ci cj bh"><div class="lj bh r"></div></div></div><div class="ab cc"><div class="lk ll kg lm ln ci cj bh"><div class="lo l"><h2 class="bf kj lp lq lr ls lt lu lv lw lx ly lz ma mb mc md bk">Recommended stories</h2></div><div class="j i d"><div class="ab db"><div class="me l"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e" tabindex="0"><div class="mt"><div aria-label="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow."><div class="mv mw mx my mz"><img alt="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow." class="bh na nb nc nd bx" src="https://miro.medium.com/v2/resize:fit:1358/format:webp/1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg" loading="eager"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@channelsehgalmedia?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="Media Channel" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*eNdy5eh9sqBp78PNqGGTnw.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@channelsehgalmedia?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">Media Channel</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow."><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow.</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">“Sehgal’s comparison is a rare blend of wisdom, humility, and self-awareness. While other thinkers have touched upon these ideas, his…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">1d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F7b8a2ea6517e&operation=register&redirect=https%3A%2F%2Fmedium.com%2F%40channelsehgalmedia%2Fehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e&source=---recommended_stories---credit---0-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="ps l"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee" tabindex="0"><div class="mt"><div aria-label="How Fair is Performance Evaluation for Tech ICs vs Managers?"><div class="mv mw mx my mz"><img alt="How Fair is Performance Evaluation for Tech ICs vs Managers?" class="bh na nb nc nd bx" src="https://miro.medium.com/v2/resize:fit:1358/format:webp/0*4Mrf8XMlRYHAb-z0" loading="eager"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@tldr0?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="TLDR0 - Ritendra" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*wWrCe8vqiEszDgUgnyQ1gA.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@tldr0?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">TLDR0 - Ritendra</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">How Fair is Performance Evaluation for Tech ICs vs Managers?</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">In the 13+ years that I spent in engineering at Google and Facebook, a little over half of it was as a manager, and the rest was as an…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Oct 31, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div><div class="ab" aria-hidden="false"><div class="ab q pt"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="#6B6B6B" viewBox="0 0 16 16"><path fill="#6B6B6B" d="M12.344 11.458A5.28 5.28 0 0 0 14 7.526C14 4.483 11.391 2 8.051 2S2 4.483 2 7.527c0 3.051 2.712 5.526 6.059 5.526a6.6 6.6 0 0 0 1.758-.236q.255.223.554.414c.784.51 1.626.768 2.512.768a.37.37 0 0 0 .355-.214.37.37 0 0 0-.03-.384 4.7 4.7 0 0 1-.857-1.958v.014z"></path></svg><span>7</span></div></div></div></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2Fe2b71f3055ee&operation=register&redirect=https%3A%2F%2Ftldr0.medium.com%2Fhow-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee&source=---recommended_stories---credit---1-107----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="ps l"><article class=""><div class="mf l"><div class="bh gb"><div class="l"><div class="bh l"><div style="position:relative;display:flex" role="link" data-href="https://medium.com/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c" tabindex="0"><div class="bh nf ng nh ni"><div class="ab"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@2os?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="2nd Order Solutions" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*kSKBgEXauEXWxRd-MW6gNw.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@2os?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">2nd Order Solutions</p></a></div></div></div></div><div class="ab"><div class="l pu oe"><div class="of og oh oi oj ok ol om pv pw"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><h2 class="bf on lp lq px py lr ls lt pz qa lu os jx qb qc ov ow ka qd qe oz pa kd qf qg pd cm ns nt nv nx bk">Logistic Regression in the Credit Risk Industry</h2><div class="pe"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">Author: Katie Shewell</h3></div></a></div><div class="h k j i d"><div class="qh qi qj qk ql qm qn qo qp qq l"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Mar 19, 2024</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F6eb27bc2784c&operation=register&redirect=https%3A%2F%2F2os.medium.com%2Flogistic-regression-in-the-credit-risk-industry-6eb27bc2784c&source=---recommended_stories---credit---2-85----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="qr qs qt qu qv l"><div aria-label="Logistic Regression in the Credit Risk Industry"><div class=""><img alt="Logistic Regression in the Credit Risk Industry" class="bx na" src="https://miro.medium.com/v2/resize:fill:160:106/format:webp/1*puytVpkKO6SsOecfh4qEGw.png" width="80" height="53" loading="lazy"/></div></div></div></div><div class="qw"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Mar 19, 2024</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F6eb27bc2784c&operation=register&redirect=https%3A%2F%2F2os.medium.com%2Flogistic-regression-in-the-credit-risk-industry-6eb27bc2784c&source=---recommended_stories---credit---2-85----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="lj bh r qx qy qz ra rb"></div></div></div></div></div></article></div><div class="ps l"><article class=""><div class="mf l"><div class="bh gb"><div class="l"><div class="bh l"><div style="position:relative;display:flex" role="link" data-href="https://medium.com/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac" tabindex="0"><div class="bh nf ng nh ni"><div class="ab"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@rwmhomeloans?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="RWM Home Loans" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*HrUXYJ5kG3hDObjFwqyihw.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@rwmhomeloans?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">RWM Home Loans</p></a></div></div></div></div><div class="ab"><div class="l pu oe"><div class="of og oh oi oj ok ol om pv pw"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><h2 class="bf on lp lq px py lr ls lt pz qa lu os jx qb qc ov ow ka qd qe oz pa kd qf qg pd cm ns nt nv nx bk">The Ideal Debt-to-Income Ratio for Buying a Home</h2><div class="pe"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">A common misconception in homebuying is that having debt automatically rules out the possibility of owning a home. In reality, a…</h3></div></a></div><div class="h k j i d"><div class="qh qi qj qk ql qm qn qo qp qq l"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">1d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F5419175a55ac&operation=register&redirect=https%3A%2F%2Frwmhomeloans.medium.com%2Fthe-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac&source=---recommended_stories---credit---3-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="qr qs qt qu qv l"><div aria-label="The Ideal Debt-to-Income Ratio for Buying a Home"><div class=""><img alt="The Ideal Debt-to-Income Ratio for Buying a Home" class="bx na" src="https://miro.medium.com/v2/resize:fill:160:106/format:webp/0*C9ZdcShXzkj5vZdl.png" width="80" height="53" loading="lazy"/></div></div></div></div><div class="qw"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">1d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F5419175a55ac&operation=register&redirect=https%3A%2F%2Frwmhomeloans.medium.com%2Fthe-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac&source=---recommended_stories---credit---3-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="lj bh r qx qy qz ra rb"></div></div></div></div></div></article></div><div class="ps l"><article class=""><div class="mf l"><div class="bh gb"><div class="l"><div class="bh l"><div style="position:relative;display:flex" role="link" data-href="https://medium.com/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed" tabindex="0"><div class="bh nf ng nh ni"><div class="ab"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@matt-croak?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="Code & Coins" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*HLHRHqE91C1dj5jm1GYO3A@2x.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@matt-croak?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">Code & Coins</p></a></div></div></div></div><div class="ab"><div class="l pu oe"><div class="of og oh oi oj ok ol om pv pw"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><h2 class="bf on lp lq px py lr ls lt pz qa lu os jx qb qc ov ow ka qd qe oz pa kd qf qg pd cm ns nt nv nx bk">Square, Tips, And The Guilt Economy</h2><div class="pe"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">The truth behind the new tipping landscape</h3></div></a></div><div class="h k j i d"><div class="qh qi qj qk ql qm qn qo qp qq l"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><div class="mf ab"><div class="bm" aria-hidden="false"><button class="l ay ao am" aria-label="Member-only story"><div class=""><div><div class="bm" aria-hidden="false"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="none" viewBox="0 0 64 64"><path fill="#FFC017" d="m39.637 40.831-5.771 15.871a1.99 1.99 0 0 1-3.732 0l-5.771-15.87a2.02 2.02 0 0 0-1.194-1.195L7.298 33.866a1.99 1.99 0 0 1 0-3.732l15.87-5.771a2.02 2.02 0 0 0 1.195-1.194l5.771-15.871a1.99 1.99 0 0 1 3.732 0l5.771 15.87a2.02 2.02 0 0 0 1.194 1.195l15.871 5.771a1.99 1.99 0 0 1 0 3.732l-15.87 5.771a2.02 2.02 0 0 0-1.195 1.194"></path></svg></div></div></div></button></div></div><span>Nov 29, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div><div class="ab" aria-hidden="false"><div class="ab q pt"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="#6B6B6B" viewBox="0 0 16 16"><path fill="#6B6B6B" d="M12.344 11.458A5.28 5.28 0 0 0 14 7.526C14 4.483 11.391 2 8.051 2S2 4.483 2 7.527c0 3.051 2.712 5.526 6.059 5.526a6.6 6.6 0 0 0 1.758-.236q.255.223.554.414c.784.51 1.626.768 2.512.768a.37.37 0 0 0 .355-.214.37.37 0 0 0-.03-.384 4.7 4.7 0 0 1-.857-1.958v.014z"></path></svg><span>7</span></div></div></div></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F99afb59744ed&operation=register&redirect=https%3A%2F%2Fmatt-croak.medium.com%2Fsquare-tips-and-the-guilt-economy-99afb59744ed&source=---recommended_stories---credit---4-107----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="qr qs qt qu qv l"><div aria-label="Square, Tips, And The Guilt Economy"><div class=""><img alt="Square, Tips, And The Guilt Economy" class="bx na" src="https://miro.medium.com/v2/resize:fill:160:106/format:webp/1*13UjdedBw4ys44a1xMzQXA.jpeg" width="80" height="53" loading="lazy"/></div></div></div></div><div class="qw"><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><div class="mf ab"><div class="bm" aria-hidden="false"><button class="l ay ao am" aria-label="Member-only story"><div class=""><div><div class="bm" aria-hidden="false"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="none" viewBox="0 0 64 64"><path fill="#FFC017" d="m39.637 40.831-5.771 15.871a1.99 1.99 0 0 1-3.732 0l-5.771-15.87a2.02 2.02 0 0 0-1.194-1.195L7.298 33.866a1.99 1.99 0 0 1 0-3.732l15.87-5.771a2.02 2.02 0 0 0 1.195-1.194l5.771-15.871a1.99 1.99 0 0 1 3.732 0l5.771 15.87a2.02 2.02 0 0 0 1.194 1.195l15.871 5.771a1.99 1.99 0 0 1 0 3.732l-15.87 5.771a2.02 2.02 0 0 0-1.195 1.194"></path></svg></div></div></div></button></div></div><span>Nov 29, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div><div class="ab" aria-hidden="false"><div class="ab q pt"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="#6B6B6B" viewBox="0 0 16 16"><path fill="#6B6B6B" d="M12.344 11.458A5.28 5.28 0 0 0 14 7.526C14 4.483 11.391 2 8.051 2S2 4.483 2 7.527c0 3.051 2.712 5.526 6.059 5.526a6.6 6.6 0 0 0 1.758-.236q.255.223.554.414c.784.51 1.626.768 2.512.768a.37.37 0 0 0 .355-.214.37.37 0 0 0-.03-.384 4.7 4.7 0 0 1-.857-1.958v.014z"></path></svg><span>7</span></div></div></div></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F99afb59744ed&operation=register&redirect=https%3A%2F%2Fmatt-croak.medium.com%2Fsquare-tips-and-the-guilt-economy-99afb59744ed&source=---recommended_stories---credit---4-107----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span></div></div></div><div class="lj bh r qx qy qz ra rb"></div></div></div></div></div></article></div></div></div><div class="h k"><div class="mg rc rd re rf rg rh ri"><div class="rj"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo rr mq rs ms" role="link" data-href="https://medium.com/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e" tabindex="0"><div class="mt"><div aria-label="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow."><div class="mv mw mx i d"><img alt="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow." class="bh na rt ru rv rw rx nc nd bx" src="https://miro.medium.com/v2/resize:fit:1144/format:webp/1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg" loading="eager"/></div><div class="h k j my mz"><img alt="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow." class="bh na rt ru rv rw rx nc nd bx" src="https://miro.medium.com/v2/resize:fit:1144/format:webp/1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg" loading="eager"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@channelsehgalmedia?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="Media Channel" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*eNdy5eh9sqBp78PNqGGTnw.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@channelsehgalmedia?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">Media Channel</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title="Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow."><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ly lz ry oy ma mb mc rz pc md cm ns nt nv nx bk">Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow.</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">“Sehgal’s comparison is a rare blend of wisdom, humility, and self-awareness. While other thinkers have touched upon these ideas, his…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">1d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@channelsehgalmedia/ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e?source=topic_portal---recommended_stories---credit---0-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F7b8a2ea6517e&operation=register&redirect=https%3A%2F%2Fmedium.com%2F%40channelsehgalmedia%2Fehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e&source=---recommended_stories---credit---0-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rk"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo rr mq rs ms" role="link" data-href="https://medium.com/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee" tabindex="0"><div class="mt"><div aria-label="How Fair is Performance Evaluation for Tech ICs vs Managers?"><div class="mv mw mx i d"><img alt="How Fair is Performance Evaluation for Tech ICs vs Managers?" class="bh na rt ru rv rw rx nc nd bx" src="https://miro.medium.com/v2/resize:fit:1144/format:webp/0*4Mrf8XMlRYHAb-z0" loading="eager"/></div><div class="h k j my mz"><img alt="How Fair is Performance Evaluation for Tech ICs vs Managers?" class="bh na rt ru rv rw rx nc nd bx" src="https://miro.medium.com/v2/resize:fit:1144/format:webp/0*4Mrf8XMlRYHAb-z0" loading="eager"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@tldr0?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="TLDR0 - Ritendra" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*wWrCe8vqiEszDgUgnyQ1gA.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@tldr0?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">TLDR0 - Ritendra</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ly lz ry oy ma mb mc rz pc md cm ns nt nv nx bk">How Fair is Performance Evaluation for Tech ICs vs Managers?</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">In the 13+ years that I spent in engineering at Google and Facebook, a little over half of it was as a manager, and the rest was as an…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Oct 31, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@tldr0/how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee?source=topic_portal---recommended_stories---credit---1-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div><div class="ab" aria-hidden="false"><div class="ab q pt"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="#6B6B6B" viewBox="0 0 16 16"><path fill="#6B6B6B" d="M12.344 11.458A5.28 5.28 0 0 0 14 7.526C14 4.483 11.391 2 8.051 2S2 4.483 2 7.527c0 3.051 2.712 5.526 6.059 5.526a6.6 6.6 0 0 0 1.758-.236q.255.223.554.414c.784.51 1.626.768 2.512.768a.37.37 0 0 0 .355-.214.37.37 0 0 0-.03-.384 4.7 4.7 0 0 1-.857-1.958v.014z"></path></svg><span>7</span></div></div></div></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2Fe2b71f3055ee&operation=register&redirect=https%3A%2F%2Ftldr0.medium.com%2Fhow-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee&source=---recommended_stories---credit---1-107----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rl"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c" tabindex="0"><div class="mt"><div aria-label="Logistic Regression in the Credit Risk Industry"><div class="mv mw mx my mz"><img alt="Logistic Regression in the Credit Risk Industry" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/1*puytVpkKO6SsOecfh4qEGw.png" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@2os?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="2nd Order Solutions" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*kSKBgEXauEXWxRd-MW6gNw.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@2os?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">2nd Order Solutions</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">Logistic Regression in the Credit Risk Industry</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">Author: Katie Shewell</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Mar 19, 2024</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@2os/logistic-regression-in-the-credit-risk-industry-6eb27bc2784c?source=topic_portal---recommended_stories---credit---2-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F6eb27bc2784c&operation=register&redirect=https%3A%2F%2F2os.medium.com%2Flogistic-regression-in-the-credit-risk-industry-6eb27bc2784c&source=---recommended_stories---credit---2-85----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rm"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac" tabindex="0"><div class="mt"><div aria-label="The Ideal Debt-to-Income Ratio for Buying a Home"><div class="mv mw mx my mz"><img alt="The Ideal Debt-to-Income Ratio for Buying a Home" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/0*C9ZdcShXzkj5vZdl.png" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@rwmhomeloans?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="RWM Home Loans" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*HrUXYJ5kG3hDObjFwqyihw.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@rwmhomeloans?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">RWM Home Loans</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">The Ideal Debt-to-Income Ratio for Buying a Home</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">A common misconception in homebuying is that having debt automatically rules out the possibility of owning a home. In reality, a…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">1d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@rwmhomeloans/the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac?source=topic_portal---recommended_stories---credit---3-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F5419175a55ac&operation=register&redirect=https%3A%2F%2Frwmhomeloans.medium.com%2Fthe-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac&source=---recommended_stories---credit---3-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rn"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed" tabindex="0"><div class="mt"><div aria-label="Square, Tips, And The Guilt Economy"><div class="mv mw mx my mz"><img alt="Square, Tips, And The Guilt Economy" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/1*13UjdedBw4ys44a1xMzQXA.jpeg" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@matt-croak?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="Code & Coins" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*HLHRHqE91C1dj5jm1GYO3A@2x.jpeg" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@matt-croak?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">Code & Coins</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">Square, Tips, And The Guilt Economy</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">The truth behind the new tipping landscape</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><div class="mf ab"><div class="bm" aria-hidden="false"><button class="l ay ao am" aria-label="Member-only story"><div class=""><div><div class="bm" aria-hidden="false"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="none" viewBox="0 0 64 64"><path fill="#FFC017" d="m39.637 40.831-5.771 15.871a1.99 1.99 0 0 1-3.732 0l-5.771-15.87a2.02 2.02 0 0 0-1.194-1.195L7.298 33.866a1.99 1.99 0 0 1 0-3.732l15.87-5.771a2.02 2.02 0 0 0 1.195-1.194l5.771-15.871a1.99 1.99 0 0 1 3.732 0l5.771 15.87a2.02 2.02 0 0 0 1.194 1.195l15.871 5.771a1.99 1.99 0 0 1 0 3.732l-15.87 5.771a2.02 2.02 0 0 0-1.195 1.194"></path></svg></div></div></div></button></div></div><span>Nov 29, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@matt-croak/square-tips-and-the-guilt-economy-99afb59744ed?source=topic_portal---recommended_stories---credit---4-107--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div><div class="ab" aria-hidden="false"><div class="ab q pt"><svg xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="#6B6B6B" viewBox="0 0 16 16"><path fill="#6B6B6B" d="M12.344 11.458A5.28 5.28 0 0 0 14 7.526C14 4.483 11.391 2 8.051 2S2 4.483 2 7.527c0 3.051 2.712 5.526 6.059 5.526a6.6 6.6 0 0 0 1.758-.236q.255.223.554.414c.784.51 1.626.768 2.512.768a.37.37 0 0 0 .355-.214.37.37 0 0 0-.03-.384 4.7 4.7 0 0 1-.857-1.958v.014z"></path></svg><span>7</span></div></div></div></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F99afb59744ed&operation=register&redirect=https%3A%2F%2Fmatt-croak.medium.com%2Fsquare-tips-and-the-guilt-economy-99afb59744ed&source=---recommended_stories---credit---4-107----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="ro"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@chrisdemuthjr/bonds-7b63e36e9fc2" tabindex="0"><div class="mt"><div aria-label="Bonds?"><div class="mv mw mx my mz"><img alt="Bonds?" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/1*vbwpHNamlUXmOjYeGeN1ag.png" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@chrisdemuthjr?source=topic_portal---recommended_stories---credit---5-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="Chris DeMuth Jr" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*NGCp2dJi8BHNY2AYn6KO-w.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@chrisdemuthjr?source=topic_portal---recommended_stories---credit---5-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">Chris DeMuth Jr</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@chrisdemuthjr/bonds-7b63e36e9fc2?source=topic_portal---recommended_stories---credit---5-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">Bonds?</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">Credit for an equity guy.</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Feb 7</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@chrisdemuthjr/bonds-7b63e36e9fc2?source=topic_portal---recommended_stories---credit---5-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2F7b63e36e9fc2&operation=register&redirect=https%3A%2F%2Fchrisdemuthjr.medium.com%2Fbonds-7b63e36e9fc2&source=---recommended_stories---credit---5-85----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rp"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@androidcrypto/talk-to-your-credit-card-android-nfc-java-d782ff19fc4a" tabindex="0"><div class="mt"><div aria-label="Talk to your Credit Card (Android NFC Java)"><div class="mv mw mx my mz"><img alt="Talk to your Credit Card (Android NFC Java)" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/1*F2fTWovjxPPa4aeRl1ld5w.png" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@androidcrypto?source=topic_portal---recommended_stories---credit---6-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="AndroidCrypto" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/1*AA0rI01_Tb7GaZZfcMGpPQ.png" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@androidcrypto?source=topic_portal---recommended_stories---credit---6-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">AndroidCrypto</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@androidcrypto/talk-to-your-credit-card-android-nfc-java-d782ff19fc4a?source=topic_portal---recommended_stories---credit---6-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title=""><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">Talk to your Credit Card (Android NFC Java)</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">This is an article series about reading a Credit Card (or in general a Payment Card) with your Android device. Im using Java as framework…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn"><span>Apr 12, 2023</span><div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@androidcrypto/talk-to-your-credit-card-android-nfc-java-d782ff19fc4a?source=topic_portal---recommended_stories---credit---6-85--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2Fd782ff19fc4a&operation=register&redirect=https%3A%2F%2Fmedium.com%2F%40androidcrypto%2Ftalk-to-your-credit-card-android-nfc-java-d782ff19fc4a&source=---recommended_stories---credit---6-85----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div><div class="rq"><article class="gb"><div class="gb mf l"><div class="bh gb"><div class="gb l"><div class="hn gb mg mh mi mj mk ml mm mn mo mp mq mr ms" role="link" data-href="https://medium.com/@jamesburchill/the-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f" tabindex="0"><div class="mt"><div aria-label="The Financial Tightrope: Navigating Canada’s Economic Realities in 2025"><div class="mv mw mx my mz"><img alt="The Financial Tightrope: Navigating Canada’s Economic Realities in 2025" class="bh na rt ru rv sa sb nc nd bx" src="https://miro.medium.com/v2/resize:fit:730/format:webp/1*KuUFyK5kI1YcvlXpaSlycw.jpeg" loading="lazy"/></div></div></div><div class="mu ab cc db"><div class="ab db ne bh nf ng nh ni"><div class="nj nk nl nm nn ab q"><div class="cr l"><div><div class="l" aria-hidden="false"><a tabindex="-1" rel="noopener follow" href="/@jamesburchill?source=topic_portal---recommended_stories---credit---7-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div class="l hn"><img alt="James C. Burchill" class="l hh by no np cv" src="https://miro.medium.com/v2/resize:fill:40:40/0*Bm0XUl4GXbxKCdt3" width="20" height="20" loading="lazy"/><div class="hv by l no np hw n ay hx"></div></div></a></div></div></div><div><div class="l" aria-hidden="false"><a class="af ag ah ai aj ak al am an ao ap aq ar nq ab q" rel="noopener follow" href="/@jamesburchill?source=topic_portal---recommended_stories---credit---7-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><p class="bf b ga z cm nr ns nt nu nv nw nx bk">James C. Burchill</p></a></div></div></div><div class="ny l nz oa ob oc od oe"><div class="of og oh oi oj ok ol om"><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/@jamesburchill/the-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f?source=topic_portal---recommended_stories---credit---7-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"><div title="The Financial Tightrope: Navigating Canada’s Economic Realities in 2025"><h2 class="bf on lp lq oo op lr ls lt oq or lu os jx ot ou ov ow ka ox oy oz pa kd pb pc pd cm ns nt nv nx bk">The Financial Tightrope: Navigating Canada’s Economic Realities in 2025</h2></div><div class="pe l"><h3 class="bf b pf z cm pg ns nt ph nv nx fz">The financial landscape for the average Canadian has never been more complex. With rising costs, increasing debt levels, and economic…</h3></div></a></div></div><span class="bf b ga z fz"><div class="pi ab pj ae"><div class="ab q pn">2d ago<div class="h k j i d"><div class="hn pk do ab q"><div class="hw pl pm ab q pn"><div class="ax do du l cv"></div></div><a class="hw ji pm ab q pn" tabindex="-1" rel="noopener follow" href="/@jamesburchill/the-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f?source=topic_portal---recommended_stories---credit---7-84--------------------d897955e_c1b4_448b_961b_91999d10cc8a--------------"></a></div></div></div><div class="ab q po pp"><div class="h k j i d"><div><div class="bm" aria-hidden="false"><span><a class="af ag ah ai aj ak al am an ao ap aq ar as at" rel="noopener follow" href="/m/signin?actionUrl=https%3A%2F%2Fmedium.com%2F_%2Fbookmark%2Fp%2Fb44d36b8f37f&operation=register&redirect=https%3A%2F%2Fjamesburchill.medium.com%2Fthe-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f&source=---recommended_stories---credit---7-84----------------bookmark_preview----d897955e_c1b4_448b_961b_91999d10cc8a--------------"><svg xmlns="http://www.w3.org/2000/svg" width="25" height="25" fill="none" viewBox="0 0 25 25" class="fz pq pr" aria-label="Add to list bookmark button"><path fill="currentColor" d="M18 2.5a.5.5 0 0 1 1 0V5h2.5a.5.5 0 0 1 0 1H19v2.5a.5.5 0 1 1-1 0V6h-2.5a.5.5 0 0 1 0-1H18zM7 7a1 1 0 0 1 1-1h3.5a.5.5 0 0 0 0-1H8a2 2 0 0 0-2 2v14a.5.5 0 0 0 .805.396L12.5 17l5.695 4.396A.5.5 0 0 0 19 21v-8.5a.5.5 0 0 0-1 0v7.485l-5.195-4.012a.5.5 0 0 0-.61 0L7 19.985z"></path></svg></a></span></div></div></div></div></div></span><div class="h k j i d"><div class="lj bh r me"></div></div></div></div></div></div></div></div></article></div></div></div><div class="sc sd se sf sg l"><a class="bf b bg z bk jc sh si sj pq sk lf gz ha hb sl sm sn he so hf hg hh bm hi hj" rel="noopener follow" href="/tag/credit/recommended?source=topic_portal------credit--------------------------------------"><div class="l hj">See more recommended stories</div></a></div></div></div><div class="l hw n je sp jo sq sr"></div></div></div></div></div><script>window.__BUILD_ID__="main-20250214-225023-b6ac233ec4"</script><script>window.__GRAPHQL_URI__ = "https://medium.com/_/graphql"</script><script>window.__PRELOADED_STATE__ = {"algolia":{"queries":{}},"cache":{"experimentGroupSet":true,"reason":"","group":"enabled","tags":["group-edgeCacheTags","tag-credit"],"serverVariantState":"44136fa355b3678a1146ad16f7e8649e94fb4fc21fe77e8310c060f61caaff8a","middlewareEnabled":true,"cacheStatus":"DYNAMIC","shouldUseCache":true,"vary":[],"pubFeaturingPostPageLabelEnabled":false},"client":{"hydrated":false,"isUs":false,"isNativeMedium":false,"isSafariMobile":false,"isSafari":false,"isFirefox":true,"routingEntity":{"type":"DEFAULT","explicit":false},"viewerIsBot":false},"debug":{"requestId":"e88e512a-e787-4e06-89a8-5912f34cc89d","requestTag":"","hybridDevServices":[],"originalSpanCarrier":{"traceparent":"00-723e166d01af6fc812a46aaf0c214db0-ad39bc894a35e1ea-01"}},"multiVote":{"clapsPerPost":{}},"navigation":{"branch":{"show":null,"hasRendered":null,"blockedByCTA":false},"hideGoogleOneTap":false,"hasRenderedAlternateUserBanner":null,"currentLocation":"https:\u002F\u002Fmedium.com\u002Ftag\u002Fcredit","host":"medium.com","hostname":"medium.com","referrer":"","hasSetReferrer":false,"susiModal":{"step":null,"operation":"register"},"postRead":false,"partnerProgram":{"selectedCountryCode":null},"queryString":"","currentHash":""},"config":{"nodeEnv":"production","version":"main-20250214-225023-b6ac233ec4","target":"production","productName":"Medium","publicUrl":"https:\u002F\u002Fcdn-client.medium.com\u002Flite","authDomain":"medium.com","authGoogleClientId":"216296035834-k1k6qe060s2tp2a2jam4ljdcms00sttg.apps.googleusercontent.com","favicon":"production","glyphUrl":"https:\u002F\u002Fglyph.medium.com","branchKey":"key_live_ofxXr2qTrrU9NqURK8ZwEhknBxiI6KBm","algolia":{"appId":"MQ57UUUQZ2","apiKeySearch":"394474ced050e3911ae2249ecc774921","indexPrefix":"medium_","host":"-dsn.algolia.net"},"recaptchaKey":"6Lfc37IUAAAAAKGGtC6rLS13R1Hrw_BqADfS1LRk","recaptcha3Key":"6Lf8R9wUAAAAABMI_85Wb8melS7Zj6ziuf99Yot5","recaptchaEnterpriseKeyId":"6Le-uGgpAAAAAPprRaokM8AKthQ9KNGdoxaGUvVp","datadog":{"applicationId":"6702d87d-a7e0-42fe-bbcb-95b469547ea0","clientToken":"pub853ea8d17ad6821d9f8f11861d23dfed","rumToken":"pubf9cc52896502b9413b68ba36fc0c7162","context":{"deployment":{"target":"production","tag":"main-20250214-225023-b6ac233ec4","commit":"b6ac233ec4e33c48e304b373b7df8c338a410ef2"}},"datacenter":"us"},"googleAnalyticsCode":"G-7JY7T788PK","googlePay":{"apiVersion":"2","apiVersionMinor":"0","merchantId":"BCR2DN6TV7EMTGBM","merchantName":"Medium","instanceMerchantId":"13685562959212738550"},"applePay":{"version":3},"signInWallCustomDomainCollectionIds":["3a8144eabfe3","336d898217ee","61061eb0c96b","138adf9c44c","819cc2aaeee0"],"mediumMastodonDomainName":"me.dm","mediumOwnedAndOperatedCollectionIds":["8a9336e5bb4","b7e45b22fec3","193b68bd4fba","8d6b8a439e32","54c98c43354d","3f6ecf56618","d944778ce714","92d2092dc598","ae2a65f35510","1285ba81cada","544c7006046e","fc8964313712","40187e704f1c","88d9857e584e","7b6769f2748b","bcc38c8f6edf","cef6983b292","cb8577c9149e","444d13b52878","713d7dbc99b0","ef8e90590e66","191186aaafa0","55760f21cdc5","9dc80918cc93","bdc4052bbdba","8ccfed20cbb2"],"tierOneDomains":["medium.com","thebolditalic.com","arcdigital.media","towardsdatascience.com","uxdesign.cc","codeburst.io","psiloveyou.xyz","writingcooperative.com","entrepreneurshandbook.co","prototypr.io","betterhumans.coach.me","theascent.pub"],"topicsToFollow":["d61cf867d93f","8a146bc21b28","1eca0103fff3","4d562ee63426","aef1078a3ef5","e15e46793f8d","6158eb913466","55f1c20aba7a","3d18b94f6858","4861fee224fd","63c6f1f93ee","1d98b3a9a871","decb52b64abf","ae5d4995e225","830cded25262"],"topicToTagMappings":{"accessibility":"accessibility","addiction":"addiction","android-development":"android-development","art":"art","artificial-intelligence":"artificial-intelligence","astrology":"astrology","basic-income":"basic-income","beauty":"beauty","biotech":"biotech","blockchain":"blockchain","books":"books","business":"business","cannabis":"cannabis","cities":"cities","climate-change":"climate-change","comics":"comics","coronavirus":"coronavirus","creativity":"creativity","cryptocurrency":"cryptocurrency","culture":"culture","cybersecurity":"cybersecurity","data-science":"data-science","design":"design","digital-life":"digital-life","disability":"disability","economy":"economy","education":"education","equality":"equality","family":"family","feminism":"feminism","fiction":"fiction","film":"film","fitness":"fitness","food":"food","freelancing":"freelancing","future":"future","gadgets":"gadgets","gaming":"gaming","gun-control":"gun-control","health":"health","history":"history","humor":"humor","immigration":"immigration","ios-development":"ios-development","javascript":"javascript","justice":"justice","language":"language","leadership":"leadership","lgbtqia":"lgbtqia","lifestyle":"lifestyle","machine-learning":"machine-learning","makers":"makers","marketing":"marketing","math":"math","media":"media","mental-health":"mental-health","mindfulness":"mindfulness","money":"money","music":"music","neuroscience":"neuroscience","nonfiction":"nonfiction","outdoors":"outdoors","parenting":"parenting","pets":"pets","philosophy":"philosophy","photography":"photography","podcasts":"podcast","poetry":"poetry","politics":"politics","privacy":"privacy","product-management":"product-management","productivity":"productivity","programming":"programming","psychedelics":"psychedelics","psychology":"psychology","race":"race","relationships":"relationships","religion":"religion","remote-work":"remote-work","san-francisco":"san-francisco","science":"science","self":"self","self-driving-cars":"self-driving-cars","sexuality":"sexuality","social-media":"social-media","society":"society","software-engineering":"software-engineering","space":"space","spirituality":"spirituality","sports":"sports","startups":"startup","style":"style","technology":"technology","transportation":"transportation","travel":"travel","true-crime":"true-crime","tv":"tv","ux":"ux","venture-capital":"venture-capital","visual-design":"visual-design","work":"work","world":"world","writing":"writing"},"defaultImages":{"avatar":{"imageId":"1*dmbNkD5D-u45r44go_cf0g.png","height":150,"width":150},"orgLogo":{"imageId":"7*V1_7XP4snlmqrc_0Njontw.png","height":110,"width":500},"postLogo":{"imageId":"bd978bb536350a710e8efb012513429cabdc4c28700604261aeda246d0f980b7","height":810,"width":1440},"postPreviewImage":{"imageId":"1*hn4v1tCaJy7cWMyb0bpNpQ.png","height":386,"width":579}},"collectionStructuredData":{"8d6b8a439e32":{"name":"Elemental","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fcdn-images-1.medium.com\u002Fmax\u002F980\u002F1*9ygdqoKprhwuTVKUM0DLPA@2x.png","width":980,"height":159}}},"3f6ecf56618":{"name":"Forge","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fcdn-images-1.medium.com\u002Fmax\u002F596\u002F1*uULpIlImcO5TDuBZ6lm7Lg@2x.png","width":596,"height":183}}},"ae2a65f35510":{"name":"GEN","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fmiro.medium.com\u002Fmax\u002F264\u002F1*RdVZMdvfV3YiZTw6mX7yWA.png","width":264,"height":140}}},"88d9857e584e":{"name":"LEVEL","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fmiro.medium.com\u002Fmax\u002F540\u002F1*JqYMhNX6KNNb2UlqGqO2WQ.png","width":540,"height":108}}},"7b6769f2748b":{"name":"Marker","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fcdn-images-1.medium.com\u002Fmax\u002F383\u002F1*haCUs0wF6TgOOvfoY-jEoQ@2x.png","width":383,"height":92}}},"444d13b52878":{"name":"OneZero","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fmiro.medium.com\u002Fmax\u002F540\u002F1*cw32fIqCbRWzwJaoQw6BUg.png","width":540,"height":123}}},"8ccfed20cbb2":{"name":"Zora","data":{"@type":"NewsMediaOrganization","ethicsPolicy":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Farticles\u002F360043290473","logo":{"@type":"ImageObject","url":"https:\u002F\u002Fmiro.medium.com\u002Fmax\u002F540\u002F1*tZUQqRcCCZDXjjiZ4bDvgQ.png","width":540,"height":106}}}},"embeddedPostIds":{"coronavirus":"cd3010f9d81f"},"sharedCdcMessaging":{"COVID_APPLICABLE_TAG_SLUGS":[],"COVID_APPLICABLE_TOPIC_NAMES":[],"COVID_APPLICABLE_TOPIC_NAMES_FOR_TOPIC_PAGE":[],"COVID_MESSAGES":{"tierA":{"text":"For more information on the novel coronavirus and Covid-19, visit cdc.gov.","markups":[{"start":66,"end":73,"href":"https:\u002F\u002Fwww.cdc.gov\u002Fcoronavirus\u002F2019-nCoV"}]},"tierB":{"text":"Anyone can publish on Medium per our Policies, but we don’t fact-check every story. For more info about the coronavirus, see cdc.gov.","markups":[{"start":37,"end":45,"href":"https:\u002F\u002Fhelp.medium.com\u002Fhc\u002Fen-us\u002Fcategories\u002F201931128-Policies-Safety"},{"start":125,"end":132,"href":"https:\u002F\u002Fwww.cdc.gov\u002Fcoronavirus\u002F2019-nCoV"}]},"paywall":{"text":"This article has been made free for everyone, thanks to Medium Members. For more information on the novel coronavirus and Covid-19, visit cdc.gov.","markups":[{"start":56,"end":70,"href":"https:\u002F\u002Fmedium.com\u002Fmembership"},{"start":138,"end":145,"href":"https:\u002F\u002Fwww.cdc.gov\u002Fcoronavirus\u002F2019-nCoV"}]},"unbound":{"text":"This article is free for everyone, thanks to Medium Members. For more information on the novel coronavirus and Covid-19, visit cdc.gov.","markups":[{"start":45,"end":59,"href":"https:\u002F\u002Fmedium.com\u002Fmembership"},{"start":127,"end":134,"href":"https:\u002F\u002Fwww.cdc.gov\u002Fcoronavirus\u002F2019-nCoV"}]}},"COVID_BANNER_POST_ID_OVERRIDE_WHITELIST":["3b31a67bff4a"]},"sharedVoteMessaging":{"TAGS":["politics","election-2020","government","us-politics","election","2020-presidential-race","trump","donald-trump","democrats","republicans","congress","republican-party","democratic-party","biden","joe-biden","maga"],"TOPICS":["politics","election"],"MESSAGE":{"text":"Find out more about the U.S. election results here.","markups":[{"start":46,"end":50,"href":"https:\u002F\u002Fcookpolitical.com\u002F2020-national-popular-vote-tracker"}]},"EXCLUDE_POSTS":["397ef29e3ca5"]},"embedPostRules":[],"recircOptions":{"v1":{"limit":3},"v2":{"limit":8}},"braintreeClientKey":"production_zjkj96jm_m56f8fqpf7ngnrd4","braintree":{"enabled":true,"merchantId":"m56f8fqpf7ngnrd4","merchantAccountId":{"usd":"AMediumCorporation_instant","eur":"amediumcorporation_EUR","cad":"amediumcorporation_CAD"},"publicKey":"ds2nn34bg2z7j5gd","braintreeEnvironment":"production","dashboardUrl":"https:\u002F\u002Fwww.braintreegateway.com\u002Fmerchants","gracePeriodDurationInDays":14,"mediumMembershipPlanId":{"monthly":"ce105f8c57a3","monthlyV2":"e8a5e126-792b-4ee6-8fba-d574c1b02fc5","monthlyWithTrial":"d5ee3dbe3db8","monthlyPremium":"fa741a9b47a2","yearly":"a40ad4a43185","yearlyV2":"3815d7d6-b8ca-4224-9b8c-182f9047866e","yearlyStaff":"d74fb811198a","yearlyWithTrial":"b3bc7350e5c7","yearlyPremium":"e21bd2c12166","monthlyOneYearFree":"e6c0637a-2bad-4171-ab4f-3c268633d83c","monthly25PercentOffFirstYear":"235ecc62-0cdb-49ae-9378-726cd21c504b","monthly20PercentOffFirstYear":"ba518864-9c13-4a99-91ca-411bf0cac756","monthly15PercentOffFirstYear":"594c029b-9f89-43d5-88f8-8173af4e070e","monthly10PercentOffFirstYear":"c6c7bc9a-40f2-4b51-8126-e28511d5bdb0","monthlyForStudents":"629ebe51-da7d-41fd-8293-34cd2f2030a8","yearlyOneYearFree":"78ba7be9-0d9f-4ece-aa3e-b54b826f2bf1","yearly25PercentOffFirstYear":"2dbb010d-bb8f-4eeb-ad5c-a08509f42d34","yearly20PercentOffFirstYear":"47565488-435b-47f8-bf93-40d5fbe0ebc8","yearly15PercentOffFirstYear":"8259809b-0881-47d9-acf7-6c001c7f720f","yearly10PercentOffFirstYear":"9dd694fb-96e1-472c-8d9e-3c868d5c1506","yearlyForStudents":"e29345ef-ab1c-4234-95c5-70e50fe6bc23","monthlyCad":"p52orjkaceei","yearlyCad":"h4q9g2up9ktt"},"braintreeDiscountId":{"oneMonthFree":"MONTHS_FREE_01","threeMonthsFree":"MONTHS_FREE_03","sixMonthsFree":"MONTHS_FREE_06","fiftyPercentOffOneYear":"FIFTY_PERCENT_OFF_ONE_YEAR"},"3DSecureVersion":"2","defaultCurrency":"usd","providerPlanIdCurrency":{"4ycw":"usd","rz3b":"usd","3kqm":"usd","jzw6":"usd","c2q2":"usd","nnsw":"usd","q8qw":"usd","d9y6":"usd","fx7w":"cad","nwf2":"cad"}},"paypalClientId":"AXj1G4fotC2GE8KzWX9mSxCH1wmPE3nJglf4Z2ig_amnhvlMVX87otaq58niAg9iuLktVNF_1WCMnN7v","paypal":{"host":"https:\u002F\u002Fapi.paypal.com:443","clientMode":"production","serverMode":"live","webhookId":"4G466076A0294510S","monthlyPlan":{"planId":"P-9WR0658853113943TMU5FDQA","name":"Medium Membership (Monthly) with setup fee","description":"Unlimited access to the best and brightest stories on Medium. Membership billed monthly."},"yearlyPlan":{"planId":"P-7N8963881P8875835MU5JOPQ","name":"Medium Membership (Annual) with setup fee","description":"Unlimited access to the best and brightest stories on Medium. Membership billed annually."},"oneYearGift":{"name":"Medium Membership (1 Year, Digital Gift Code)","description":"Unlimited access to the best and brightest stories on Medium. Gift codes can be redeemed at medium.com\u002Fredeem.","price":"50.00","currency":"USD","sku":"membership-gift-1-yr"},"oldMonthlyPlan":{"planId":"P-96U02458LM656772MJZUVH2Y","name":"Medium Membership (Monthly)","description":"Unlimited access to the best and brightest stories on Medium. Membership billed monthly."},"oldYearlyPlan":{"planId":"P-59P80963JF186412JJZU3SMI","name":"Medium Membership (Annual)","description":"Unlimited access to the best and brightest stories on Medium. Membership billed annually."},"monthlyPlanWithTrial":{"planId":"P-66C21969LR178604GJPVKUKY","name":"Medium Membership (Monthly) with setup fee","description":"Unlimited access to the best and brightest stories on Medium. Membership billed monthly."},"yearlyPlanWithTrial":{"planId":"P-6XW32684EX226940VKCT2MFA","name":"Medium Membership (Annual) with setup fee","description":"Unlimited access to the best and brightest stories on Medium. Membership billed annually."},"oldMonthlyPlanNoSetupFee":{"planId":"P-4N046520HR188054PCJC7LJI","name":"Medium Membership (Monthly)","description":"Unlimited access to the best and brightest stories on Medium. Membership billed monthly."},"oldYearlyPlanNoSetupFee":{"planId":"P-7A4913502Y5181304CJEJMXQ","name":"Medium Membership (Annual)","description":"Unlimited access to the best and brightest stories on Medium. Membership billed annually."},"sdkUrl":"https:\u002F\u002Fwww.paypal.com\u002Fsdk\u002Fjs"},"stripePublishableKey":"pk_live_7FReX44VnNIInZwrIIx6ghjl","log":{"json":true,"level":"info"},"imageUploadMaxSizeMb":25,"staffPicks":{"title":"Staff Picks","catalogId":"c7bc6e1ee00f"}},"session":{"xsrf":""}}</script><script>window.__APOLLO_STATE__ = {"ROOT_QUERY":{"__typename":"Query","viewer":null,"collectionByDomainOrSlug({\"domainOrSlug\":\"medium.com\"})":null,"tagFromSlug({\"tagSlug\":\"credit\"})":{"__ref":"Tag:credit"},"relatedTags({\"tagSlug\":\"credit\"})":[{"__ref":"Tag:credit-score"},{"__ref":"Tag:credit-cards"},{"__ref":"Tag:finance"},{"__ref":"Tag:credit-repair"},{"__ref":"Tag:blockchain"},{"__ref":"Tag:money"},{"__ref":"Tag:loans"},{"__ref":"Tag:debt"},{"__ref":"Tag:fintech"}]},"ImageMetadata:1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg":{"__typename":"ImageMetadata","id":"1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg","focusPercentX":null,"focusPercentY":null,"alt":null},"User:f64c704722f0":{"__typename":"User","id":"f64c704722f0","name":"Media Channel","viewerEdge":{"__ref":"UserViewerEdge:userId:f64c704722f0-viewerId:lo_cda5887214c1"},"bio":"Another account, the Media Channel, is run by Admins for the purpose of safety.","imageId":"1*eNdy5eh9sqBp78PNqGGTnw.jpeg","membership":null,"username":"channelsehgalmedia","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:f64c704722f0-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:f64c704722f0-viewerId:lo_cda5887214c1","isMuting":false},"Post:7b8a2ea6517e":{"__typename":"Post","id":"7b8a2ea6517e","title":"Ehsan Sehgal vs. Omar Khayyam: Fools -Wisdom -Reward -It is an Incredible Credit We Borrow.","previewImage":{"__ref":"ImageMetadata:1*Mb14v0Vebyx4_-gQ0BVU0w.jpeg"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"“Sehgal’s comparison is a rare blend of wisdom, humility, and self-awareness. While other thinkers have touched upon these ideas, his…","isFullContent":false},"creator":{"__ref":"User:f64c704722f0"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@channelsehgalmedia\u002Fehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739598765940,"latestPublishedAt":1739598765940,"pinnedAt":0,"readingTime":7.981132075471698,"sequence":null,"isSeries":false,"uniqueSlug":"ehsan-sehgal-vs-omar-khayyam-fools-wisdom-reward-it-is-an-incredible-credit-we-borrow-7b8a2ea6517e"},"ImageMetadata:0*4Mrf8XMlRYHAb-z0":{"__typename":"ImageMetadata","id":"0*4Mrf8XMlRYHAb-z0","focusPercentX":null,"focusPercentY":null,"alt":null},"User:53cf18372d23":{"__typename":"User","id":"53cf18372d23","name":"TLDR0 - Ritendra","viewerEdge":{"__ref":"UserViewerEdge:userId:53cf18372d23-viewerId:lo_cda5887214c1"},"bio":"My name is Ritendra. I've been in tech for many years (IBM Watson, Xerox PARC, Google, Facebook, Databricks, PhD in CS). I don't represent any company.","imageId":"1*wWrCe8vqiEszDgUgnyQ1gA.jpeg","membership":null,"username":"tldr0","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"tldr0.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:53cf18372d23-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:53cf18372d23-viewerId:lo_cda5887214c1","isMuting":false},"Post:e2b71f3055ee":{"__typename":"Post","id":"e2b71f3055ee","title":"How Fair is Performance Evaluation for Tech ICs vs Managers?","previewImage":{"__ref":"ImageMetadata:0*4Mrf8XMlRYHAb-z0"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"In the 13+ years that I spent in engineering at Google and Facebook, a little over half of it was as a manager, and the rest was as an…","isFullContent":false},"creator":{"__ref":"User:53cf18372d23"},"isPublished":true,"mediumUrl":"https:\u002F\u002Ftldr0.medium.com\u002Fhow-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":7},"visibility":"PUBLIC","clapCount":330,"isLocked":false,"firstPublishedAt":1698770166953,"latestPublishedAt":1709278734876,"pinnedAt":0,"readingTime":5.19622641509434,"sequence":null,"isSeries":false,"uniqueSlug":"how-fair-is-performance-evaluation-for-tech-ics-vs-managers-e2b71f3055ee"},"ImageMetadata:1*puytVpkKO6SsOecfh4qEGw.png":{"__typename":"ImageMetadata","id":"1*puytVpkKO6SsOecfh4qEGw.png","focusPercentX":null,"focusPercentY":null,"alt":null},"User:2b05758af056":{"__typename":"User","id":"2b05758af056","name":"2nd Order Solutions","viewerEdge":{"__ref":"UserViewerEdge:userId:2b05758af056-viewerId:lo_cda5887214c1"},"bio":"A boutique credit advisory firm providing credit risk & data science consulting services from top 10 banks to fintech startups https:\u002F\u002F2os.com\u002F","imageId":"1*kSKBgEXauEXWxRd-MW6gNw.png","membership":null,"username":"2os","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"2os.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:2b05758af056-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:2b05758af056-viewerId:lo_cda5887214c1","isMuting":false},"Post:6eb27bc2784c":{"__typename":"Post","id":"6eb27bc2784c","title":"Logistic Regression in the Credit Risk Industry","previewImage":{"__ref":"ImageMetadata:1*puytVpkKO6SsOecfh4qEGw.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"Author: Katie Shewell","isFullContent":false},"creator":{"__ref":"User:2b05758af056"},"isPublished":true,"mediumUrl":"https:\u002F\u002F2os.medium.com\u002Flogistic-regression-in-the-credit-risk-industry-6eb27bc2784c","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":6,"isLocked":false,"firstPublishedAt":1710856016423,"latestPublishedAt":1714485224792,"pinnedAt":0,"readingTime":7.390566037735849,"sequence":null,"isSeries":false,"uniqueSlug":"logistic-regression-in-the-credit-risk-industry-6eb27bc2784c"},"ImageMetadata:0*C9ZdcShXzkj5vZdl.png":{"__typename":"ImageMetadata","id":"0*C9ZdcShXzkj5vZdl.png","focusPercentX":null,"focusPercentY":null,"alt":null},"User:40629bf68b52":{"__typename":"User","id":"40629bf68b52","name":"RWM Home Loans","viewerEdge":{"__ref":"UserViewerEdge:userId:40629bf68b52-viewerId:lo_cda5887214c1"},"bio":"RWM Home Loans: Family-owned with 30+ years of award-winning service. Offering diverse loan options, tailored advice & competitive rates to achieve your goals!","imageId":"1*HrUXYJ5kG3hDObjFwqyihw.png","membership":null,"username":"rwmhomeloans","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"rwmhomeloans.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:40629bf68b52-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:40629bf68b52-viewerId:lo_cda5887214c1","isMuting":false},"Post:5419175a55ac":{"__typename":"Post","id":"5419175a55ac","title":"The Ideal Debt-to-Income Ratio for Buying a Home","previewImage":{"__ref":"ImageMetadata:0*C9ZdcShXzkj5vZdl.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"A common misconception in homebuying is that having debt automatically rules out the possibility of owning a home. In reality, a…","isFullContent":false},"creator":{"__ref":"User:40629bf68b52"},"isPublished":true,"mediumUrl":"https:\u002F\u002Frwmhomeloans.medium.com\u002Fthe-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739573438867,"latestPublishedAt":1739573438867,"pinnedAt":0,"readingTime":4.609433962264151,"sequence":null,"isSeries":false,"uniqueSlug":"the-ideal-debt-to-income-ratio-for-buying-a-home-5419175a55ac"},"ImageMetadata:1*13UjdedBw4ys44a1xMzQXA.jpeg":{"__typename":"ImageMetadata","id":"1*13UjdedBw4ys44a1xMzQXA.jpeg","focusPercentX":null,"focusPercentY":null,"alt":null},"User:4180c044f281":{"__typename":"User","id":"4180c044f281","name":"Code & Coins","viewerEdge":{"__ref":"UserViewerEdge:userId:4180c044f281-viewerId:lo_cda5887214c1"},"bio":"Blogging about software 👨🏻💻 and money 💰 https:\u002F\u002Flinktr.ee\u002Fmattcroak","imageId":"1*HLHRHqE91C1dj5jm1GYO3A@2x.jpeg","membership":null,"username":"matt-croak","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"matt-croak.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:4180c044f281-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:4180c044f281-viewerId:lo_cda5887214c1","isMuting":false},"Post:99afb59744ed":{"__typename":"Post","id":"99afb59744ed","title":"Square, Tips, And The Guilt Economy","previewImage":{"__ref":"ImageMetadata:1*13UjdedBw4ys44a1xMzQXA.jpeg"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"The truth behind the new tipping landscape","isFullContent":false},"creator":{"__ref":"User:4180c044f281"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmatt-croak.medium.com\u002Fsquare-tips-and-the-guilt-economy-99afb59744ed","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":7},"visibility":"LOCKED","clapCount":296,"isLocked":true,"firstPublishedAt":1701269589573,"latestPublishedAt":1701269589573,"pinnedAt":0,"readingTime":9.954716981132076,"sequence":null,"isSeries":false,"uniqueSlug":"square-tips-and-the-guilt-economy-99afb59744ed"},"ImageMetadata:1*vbwpHNamlUXmOjYeGeN1ag.png":{"__typename":"ImageMetadata","id":"1*vbwpHNamlUXmOjYeGeN1ag.png","focusPercentX":null,"focusPercentY":null,"alt":null},"User:69b4cfa3b280":{"__typename":"User","id":"69b4cfa3b280","name":"Chris DeMuth Jr","viewerEdge":{"__ref":"UserViewerEdge:userId:69b4cfa3b280-viewerId:lo_cda5887214c1"},"bio":"Partner at Rangeley Capital","imageId":"1*NGCp2dJi8BHNY2AYn6KO-w.png","membership":null,"username":"chrisdemuthjr","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"chrisdemuthjr.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:69b4cfa3b280-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:69b4cfa3b280-viewerId:lo_cda5887214c1","isMuting":false},"Post:7b63e36e9fc2":{"__typename":"Post","id":"7b63e36e9fc2","title":"Bonds?","previewImage":{"__ref":"ImageMetadata:1*vbwpHNamlUXmOjYeGeN1ag.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"Credit for an equity guy.","isFullContent":false},"creator":{"__ref":"User:69b4cfa3b280"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fchrisdemuthjr.medium.com\u002Fbonds-7b63e36e9fc2","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":3,"isLocked":false,"firstPublishedAt":1738886585730,"latestPublishedAt":1738886585730,"pinnedAt":0,"readingTime":2.0113207547169814,"sequence":null,"isSeries":false,"uniqueSlug":"bonds-7b63e36e9fc2"},"ImageMetadata:1*F2fTWovjxPPa4aeRl1ld5w.png":{"__typename":"ImageMetadata","id":"1*F2fTWovjxPPa4aeRl1ld5w.png","focusPercentX":null,"focusPercentY":null,"alt":null},"User:8d474649a487":{"__typename":"User","id":"8d474649a487","name":"AndroidCrypto","viewerEdge":{"__ref":"UserViewerEdge:userId:8d474649a487-viewerId:lo_cda5887214c1"},"bio":"","imageId":"1*AA0rI01_Tb7GaZZfcMGpPQ.png","membership":null,"username":"androidcrypto","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:8d474649a487-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:8d474649a487-viewerId:lo_cda5887214c1","isMuting":false},"Post:d782ff19fc4a":{"__typename":"Post","id":"d782ff19fc4a","title":"Talk to your Credit Card (Android NFC Java)","previewImage":{"__ref":"ImageMetadata:1*F2fTWovjxPPa4aeRl1ld5w.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"This is an article series about reading a Credit Card (or in general a Payment Card) with your Android device. Im using Java as framework…","isFullContent":false},"creator":{"__ref":"User:8d474649a487"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@androidcrypto\u002Ftalk-to-your-credit-card-android-nfc-java-d782ff19fc4a","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":18,"isLocked":false,"firstPublishedAt":1681291928044,"latestPublishedAt":1681292830874,"pinnedAt":0,"readingTime":13.005974842767294,"sequence":null,"isSeries":false,"uniqueSlug":"talk-to-your-credit-card-android-nfc-java-d782ff19fc4a"},"ImageMetadata:1*KuUFyK5kI1YcvlXpaSlycw.jpeg":{"__typename":"ImageMetadata","id":"1*KuUFyK5kI1YcvlXpaSlycw.jpeg","focusPercentX":null,"focusPercentY":null,"alt":null},"User:3a7047a8678a":{"__typename":"User","id":"3a7047a8678a","name":"James C. Burchill","viewerEdge":{"__ref":"UserViewerEdge:userId:3a7047a8678a-viewerId:lo_cda5887214c1"},"bio":"Bestselling author and instructor. I help you use technology to save time and make more money. Read my 'Tech with a Twist' for free at JamesNewsletter.com","imageId":"0*Bm0XUl4GXbxKCdt3","membership":{"__ref":"Membership:77465e7f-3ce4-4636-9a86-faa0e3ff9319"},"username":"jamesburchill","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"jamesburchill.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:3a7047a8678a-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:3a7047a8678a-viewerId:lo_cda5887214c1","isMuting":false},"Membership:77465e7f-3ce4-4636-9a86-faa0e3ff9319":{"__typename":"Membership","tier":"MEMBER","id":"77465e7f-3ce4-4636-9a86-faa0e3ff9319"},"Post:b44d36b8f37f":{"__typename":"Post","id":"b44d36b8f37f","title":"The Financial Tightrope: Navigating Canada’s Economic Realities in 2025","previewImage":{"__ref":"ImageMetadata:1*KuUFyK5kI1YcvlXpaSlycw.jpeg"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"The financial landscape for the average Canadian has never been more complex. With rising costs, increasing debt levels, and economic…","isFullContent":false},"creator":{"__ref":"User:3a7047a8678a"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fjamesburchill.medium.com\u002Fthe-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739483971418,"latestPublishedAt":1739483971418,"pinnedAt":0,"readingTime":4.226415094339623,"sequence":null,"isSeries":false,"uniqueSlug":"the-financial-tightrope-navigating-canadas-economic-realities-in-2025-b44d36b8f37f"},"ImageMetadata:1*zMoT0IVCd9bdhG-FEn-tfg.png":{"__typename":"ImageMetadata","id":"1*zMoT0IVCd9bdhG-FEn-tfg.png","focusPercentX":null,"focusPercentY":null,"alt":"An AI generated image of AWS with Free Credits!"},"User:fd868de3edf1":{"__typename":"User","id":"fd868de3edf1","name":"Rojan Sedhai","viewerEdge":{"__ref":"UserViewerEdge:userId:fd868de3edf1-viewerId:lo_cda5887214c1"},"bio":"I am passionate about learning and empowering others in the technical field! And I value a fun, empowering, and collaborative environment!","imageId":"0*6CzwBIxDTosFmANe","membership":null,"username":"rojansedhai01","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:fd868de3edf1-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:fd868de3edf1-viewerId:lo_cda5887214c1","isMuting":false},"Post:ae39a45a1185":{"__typename":"Post","id":"ae39a45a1185","title":"How to get free AWS Credits!","previewImage":{"__ref":"ImageMetadata:1*zMoT0IVCd9bdhG-FEn-tfg.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"There are very few words people like more than the word “Free”. The same holds true in the realm of cloud computing, especially since…","isFullContent":false},"creator":{"__ref":"User:fd868de3edf1"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@rojansedhai01\u002Fhow-to-get-free-aws-credits-ae39a45a1185","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1738254505179,"latestPublishedAt":1738921758220,"pinnedAt":0,"readingTime":2.415094339622642,"sequence":null,"isSeries":false,"uniqueSlug":"how-to-get-free-aws-credits-ae39a45a1185"},"ImageMetadata:0*A8jSgGGRN88Y5F_8":{"__typename":"ImageMetadata","id":"0*A8jSgGGRN88Y5F_8","focusPercentX":null,"focusPercentY":null,"alt":null},"User:3a50317cd0b0":{"__typename":"User","id":"3a50317cd0b0","name":"octet","viewerEdge":{"__ref":"UserViewerEdge:userId:3a50317cd0b0-viewerId:lo_cda5887214c1"},"bio":"im a little bit of a yapper myself xx","imageId":"1*tBdmKzZhLIYxrFpdZ_1wwg.jpeg","membership":null,"username":"octeto","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:3a50317cd0b0-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:3a50317cd0b0-viewerId:lo_cda5887214c1","isMuting":false},"Post:872d38330d20":{"__typename":"Post","id":"872d38330d20","title":"a strange feeling when someone takes credit for something you’ve done?","previewImage":{"__ref":"ImageMetadata:0*A8jSgGGRN88Y5F_8"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"is giving credit easy?","isFullContent":false},"creator":{"__ref":"User:3a50317cd0b0"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@octeto\u002Fa-strange-feeling-for-someone-taking-credit-for-something-youve-done-872d38330d20","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739287641793,"latestPublishedAt":1739382199509,"pinnedAt":0,"readingTime":1.109433962264151,"sequence":null,"isSeries":false,"uniqueSlug":"a-strange-feeling-for-someone-taking-credit-for-something-youve-done-872d38330d20"},"ImageMetadata:0*wn5vOUUrPK1Lu8yE":{"__typename":"ImageMetadata","id":"0*wn5vOUUrPK1Lu8yE","focusPercentX":null,"focusPercentY":null,"alt":null},"User:fb4d5b9e6781":{"__typename":"User","id":"fb4d5b9e6781","name":"Spencer Coffman","viewerEdge":{"__ref":"UserViewerEdge:userId:fb4d5b9e6781-viewerId:lo_cda5887214c1"},"bio":"I will teach you to become an Internet Hustler. Grow your Medium followers, build passive income, make your money work for you, build wealth, and more!","imageId":"1*LV2hq_iDg9krPucs-JmB3Q.jpeg","membership":null,"username":"spencercoffman","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":true}},"UserViewerEdge:userId:fb4d5b9e6781-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:fb4d5b9e6781-viewerId:lo_cda5887214c1","isMuting":false},"Post:8b010cba5766":{"__typename":"Post","id":"8b010cba5766","title":"Get $100 With Discover","previewImage":{"__ref":"ImageMetadata:0*wn5vOUUrPK1Lu8yE"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"Hey guys, Spencer Coffman here with the Internet Hustler YouTube channel! Today we’re talking about the Discover It credit card.","isFullContent":false},"creator":{"__ref":"User:fb4d5b9e6781"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@spencercoffman\u002Fget-100-with-discover-8b010cba5766","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"LOCKED","clapCount":0,"isLocked":true,"firstPublishedAt":1739213218515,"latestPublishedAt":1739213218515,"pinnedAt":0,"readingTime":3.2830188679245285,"sequence":null,"isSeries":false,"uniqueSlug":"get-100-with-discover-8b010cba5766"},"ImageMetadata:":{"__typename":"ImageMetadata","id":"","focusPercentX":null,"focusPercentY":null,"alt":null},"User:0c01c42ba5a3":{"__typename":"User","id":"0c01c42ba5a3","name":"Jonathan Farchi-Segal","viewerEdge":{"__ref":"UserViewerEdge:userId:0c01c42ba5a3-viewerId:lo_cda5887214c1"},"bio":"Tech, Stocks, and Entrepreneurship","imageId":"0*W3F7ok98LU7Q25Nh","membership":{"__ref":"Membership:f1df9ddb-6fd5-40ba-b011-6ff2e322cc9c"},"username":"Jonathan_Farchi-Segal","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:0c01c42ba5a3-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:0c01c42ba5a3-viewerId:lo_cda5887214c1","isMuting":false},"Membership:f1df9ddb-6fd5-40ba-b011-6ff2e322cc9c":{"__typename":"Membership","tier":"MEMBER","id":"f1df9ddb-6fd5-40ba-b011-6ff2e322cc9c"},"Post:69ffa731cb77":{"__typename":"Post","id":"69ffa731cb77","title":"I Tried to Start a Fintech in Latin America — Here’s What I Learned About Credit Access","previewImage":{"__ref":"ImageMetadata:"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"I set out to build Pisto, a fintech aimed at expanding consumer lending in Latin America. The goal was simple: make credit more accessible…","isFullContent":false},"creator":{"__ref":"User:0c01c42ba5a3"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@Jonathan_Farchi-Segal\u002Fi-tried-to-start-a-fintech-in-latin-america-heres-what-i-learned-about-credit-access-69ffa731cb77","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739306131448,"latestPublishedAt":1739306131448,"pinnedAt":0,"readingTime":2.1962264150943396,"sequence":null,"isSeries":false,"uniqueSlug":"i-tried-to-start-a-fintech-in-latin-america-heres-what-i-learned-about-credit-access-69ffa731cb77"},"ImageMetadata:0*dq-e875ebKSlzh3T.jpg":{"__typename":"ImageMetadata","id":"0*dq-e875ebKSlzh3T.jpg","focusPercentX":null,"focusPercentY":null,"alt":null},"User:e266ecb34529":{"__typename":"User","id":"e266ecb34529","name":"Buckeye Car Loan","viewerEdge":{"__ref":"UserViewerEdge:userId:e266ecb34529-viewerId:lo_cda5887214c1"},"bio":"Ohio's Auto Finance Authority. Buckeyecarloan.com","imageId":"1*GC7eqb43KKyUKc5dcMBV7Q.png","membership":null,"username":"faithfairley","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"faithfairley.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:e266ecb34529-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:e266ecb34529-viewerId:lo_cda5887214c1","isMuting":false},"Post:05060c7e7a49":{"__typename":"Post","id":"05060c7e7a49","title":"Why You Should Never Finance with a Car Dealership","previewImage":{"__ref":"ImageMetadata:0*dq-e875ebKSlzh3T.jpg"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"Let the Past Die, Kill It If You Have To","isFullContent":false},"creator":{"__ref":"User:e266ecb34529"},"isPublished":true,"mediumUrl":"https:\u002F\u002Ffaithfairley.medium.com\u002Fwhy-you-should-never-finance-with-a-car-dealership-05060c7e7a49","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"PUBLIC","clapCount":0,"isLocked":false,"firstPublishedAt":1739067915184,"latestPublishedAt":1739067915184,"pinnedAt":0,"readingTime":3.7757861635220125,"sequence":null,"isSeries":false,"uniqueSlug":"why-you-should-never-finance-with-a-car-dealership-05060c7e7a49"},"ImageMetadata:1*RKDXONS7ZzxAjpl4E9EOTg.png":{"__typename":"ImageMetadata","id":"1*RKDXONS7ZzxAjpl4E9EOTg.png","focusPercentX":null,"focusPercentY":null,"alt":null},"User:532f633e4c1b":{"__typename":"User","id":"532f633e4c1b","name":"M. Frances 📖+ 💸","viewerEdge":{"__ref":"UserViewerEdge:userId:532f633e4c1b-viewerId:lo_cda5887214c1"},"bio":"#MoneyMatters. Finance MA. Certified Credit Councilor. Instructor @👉 TheCreditCourse.com","imageId":"1*lxXGjHmbeewb4vM5d3Lu1Q.jpeg","membership":null,"username":"moneyfrances","customDomainState":{"__typename":"CustomDomainState","live":{"__typename":"CustomDomain","domain":"moneyfrances.medium.com"}},"hasSubdomain":true,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:532f633e4c1b-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:532f633e4c1b-viewerId:lo_cda5887214c1","isMuting":false},"Post:7274185ba789":{"__typename":"Post","id":"7274185ba789","title":"Why Credit Repair Services are a TOTAL SCAM!","previewImage":{"__ref":"ImageMetadata:1*RKDXONS7ZzxAjpl4E9EOTg.png"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"UPDATE: If you would like more evidence of the scammy, spammy, and, dishonest nature of the credit repair industry, check the comments of…","isFullContent":false},"creator":{"__ref":"User:532f633e4c1b"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmoneyfrances.medium.com\u002Fwhy-credit-repair-services-are-a-total-scam-7274185ba789","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":54},"visibility":"PUBLIC","clapCount":456,"isLocked":false,"firstPublishedAt":1711376543587,"latestPublishedAt":1725368050462,"pinnedAt":0,"readingTime":4.028301886792453,"sequence":null,"isSeries":false,"uniqueSlug":"why-credit-repair-services-are-a-total-scam-7274185ba789"},"ImageMetadata:0*0a--gqw8PZCkgZ4H":{"__typename":"ImageMetadata","id":"0*0a--gqw8PZCkgZ4H","focusPercentX":null,"focusPercentY":null,"alt":null},"User:0998c2cee243":{"__typename":"User","id":"0998c2cee243","name":"Andrew Stone","viewerEdge":{"__ref":"UserViewerEdge:userId:0998c2cee243-viewerId:lo_cda5887214c1"},"bio":"Always be Positive, Spread Goodness","imageId":"1*Naq5eIPmT-C3ca6TuAwoKA.png","membership":{"__ref":"Membership:a6500db6-9f6c-449d-bb00-e3cf54cc7bdb"},"username":"anujrao24","customDomainState":null,"hasSubdomain":false,"verifications":{"__typename":"VerifiedInfo","isBookAuthor":false}},"UserViewerEdge:userId:0998c2cee243-viewerId:lo_cda5887214c1":{"__typename":"UserViewerEdge","id":"userId:0998c2cee243-viewerId:lo_cda5887214c1","isMuting":false},"Membership:a6500db6-9f6c-449d-bb00-e3cf54cc7bdb":{"__typename":"Membership","tier":"MEMBER","id":"a6500db6-9f6c-449d-bb00-e3cf54cc7bdb"},"Post:b64b2fe391bb":{"__typename":"Post","id":"b64b2fe391bb","title":"Credit Score Hacks: How to Boost Your Score in 3 Months","previewImage":{"__ref":"ImageMetadata:0*0a--gqw8PZCkgZ4H"},"extendedPreviewContent":{"__typename":"PreviewContent","subtitle":"A high credit score is the key to financial freedom. Whether you’re applying for a mortgage, car loan, or credit card, lenders rely on your…","isFullContent":false},"creator":{"__ref":"User:0998c2cee243"},"isPublished":true,"mediumUrl":"https:\u002F\u002Fmedium.com\u002F@anujrao24\u002Fcredit-score-hacks-how-to-boost-your-score-in-3-months-b64b2fe391bb","collection":null,"isLimitedState":false,"allowResponses":true,"postResponses":{"__typename":"PostResponses","count":0},"visibility":"LOCKED","clapCount":0,"isLocked":true,"firstPublishedAt":1739102070009,"latestPublishedAt":1739102070009,"pinnedAt":0,"readingTime":4.5698113207547175,"sequence":null,"isSeries":false,"uniqueSlug":"credit-score-hacks-how-to-boost-your-score-in-3-months-b64b2fe391bb"},"TagViewerEdge:tagSlug:credit-viewerId:lo_cda5887214c1":{"__typename":"TagViewerEdge","recommendedPostsFeed:(limit:15)":{"__typename":"TagFeedResult","items":[{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:7b8a2ea6517e"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":107,"post":{"__ref":"Post:e2b71f3055ee"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:6eb27bc2784c"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:5419175a55ac"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":107,"post":{"__ref":"Post:99afb59744ed"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:7b63e36e9fc2"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:d782ff19fc4a"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:b44d36b8f37f"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:ae39a45a1185"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:872d38330d20"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:8b010cba5766"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:69ffa731cb77"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:05060c7e7a49"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":85,"post":{"__ref":"Post:7274185ba789"}},{"__typename":"TagFeedItem","feedId":"d897955e-c1b4-448b-961b-91999d10cc8a","reason":84,"post":{"__ref":"Post:b64b2fe391bb"}}]},"id":"tagSlug:credit-viewerId:lo_cda5887214c1"},"Tag:credit":{"__typename":"Tag","id":"credit","normalizedTagSlug":"credit","displayTitle":"Credit","postCount":9231,"followerCount":85,"viewerEdge":{"__ref":"TagViewerEdge:tagSlug:credit-viewerId:lo_cda5887214c1"},"parentTag":null},"Tag:credit-score":{"__typename":"Tag","id":"credit-score","displayTitle":"Credit Score","normalizedTagSlug":"credit-score"},"Tag:credit-cards":{"__typename":"Tag","id":"credit-cards","displayTitle":"Credit Cards","normalizedTagSlug":"credit-cards"},"Tag:finance":{"__typename":"Tag","id":"finance","displayTitle":"Finance","normalizedTagSlug":"finance"},"Tag:credit-repair":{"__typename":"Tag","id":"credit-repair","displayTitle":"Credit Repair","normalizedTagSlug":"credit-repair"},"Tag:blockchain":{"__typename":"Tag","id":"blockchain","displayTitle":"Blockchain","normalizedTagSlug":"blockchain"},"Tag:money":{"__typename":"Tag","id":"money","displayTitle":"Money","normalizedTagSlug":"money"},"Tag:loans":{"__typename":"Tag","id":"loans","displayTitle":"Loans","normalizedTagSlug":"loans"},"Tag:debt":{"__typename":"Tag","id":"debt","displayTitle":"Debt","normalizedTagSlug":"debt"},"Tag:fintech":{"__typename":"Tag","id":"fintech","displayTitle":"Fintech","normalizedTagSlug":"fintech"}}</script><script>window.__MIDDLEWARE_STATE__={"session":{"xsrf":""},"cache":{"cacheStatus":"HIT"}}</script><script src="https://cdn-client.medium.com/lite/static/js/manifest.8b67b313.js"></script><script src="https://cdn-client.medium.com/lite/static/js/9865.1496d74a.js"></script><script src="https://cdn-client.medium.com/lite/static/js/main.94ea62ed.js"></script><script src="https://cdn-client.medium.com/lite/static/js/instrumentation.5bef8967.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/reporting.ff22a7a5.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/5049.d1ead72d.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/4505.6dfaf853.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/2707.dc8dbee4.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/9977.933c1c9a.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/8599.68bc318b.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/3045.1cc3d8cb.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/6349.3329b100.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/2648.26563adf.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/8393.a4ecfb83.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/6428.36238b5a.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/6199.6da73f3b.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/5642.7d9f7f3d.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/6834.8aa8d357.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/6882.48ae3943.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/1021.76601e3c.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/9553.fc4a22e5.chunk.js"></script> <script src="https://cdn-client.medium.com/lite/static/js/TopicPortalPage.MainContent.04085ffb.chunk.js"></script><script>window.main();</script><script>(function(){function c(){var b=a.contentDocument||a.contentWindow.document;if(b){var d=b.createElement('script');d.innerHTML="window.__CF$cv$params={r:'9134106fdf0bfd29',t:'MTczOTc3NzM0NC4wMDAwMDA='};var a=document.createElement('script');a.nonce='';a.src='/cdn-cgi/challenge-platform/scripts/jsd/main.js';document.getElementsByTagName('head')[0].appendChild(a);";b.getElementsByTagName('head')[0].appendChild(d)}}if(document.body){var a=document.createElement('iframe');a.height=1;a.width=1;a.style.position='absolute';a.style.top=0;a.style.left=0;a.style.border='none';a.style.visibility='hidden';document.body.appendChild(a);if('loading'!==document.readyState)c();else if(window.addEventListener)document.addEventListener('DOMContentLoaded',c);else{var e=document.onreadystatechange||function(){};document.onreadystatechange=function(b){e(b);'loading'!==document.readyState&&(document.onreadystatechange=e,c())}}}})();</script></body></html>