9 Tips For Micro-Entrepreneurs & Small Business Owners Looking ...

Personal loans for business.

While the Peerform borrowing platform does not have a separate application procedure for small business as opposed to personal loans (Peerform?loans are non-collateralized personal loans), the purposes of a peer-to-peer loan can vary widely. These include micro-entrepreneurs needing a peer-to-peer personal loan for small business operations, for an expansion, or for just starting out.

In a previous post we talked about how successful peer-to-peer borrowers get their personal loans funded, and those strategies apply here, but we?ve also blogged about the increasing sophistication of peer lenders participating in the peer-to-peer lending market. This increased sophistication means that potential peer lenders will be giving loan requests, no matter what the purpose, increasingly close and detailed scrutiny. We advise borrowers therefore to make every effort to create a loan request that will both reassure and impress potential lenders, especially if it is a relatively large loan for business purposes.

The bottom line is that even though a peer based small business loan is still a personal loan, your chances of getting such a loan funded may be increased by treating the loan request as a traditional small business loan request, and the first step is to construct a simple business plan that you?ll ultimately present to peer lenders.

The benefits of developing a business plan are not always understood by those forming a new business or already running a business. The essence of a business plan is the identification and organization of goals and business objectives and outlining strategies to achieve those goals and objectives.

Most formal business plans are written to be presented to marketing and financial people. Addressing financial items from the beginning in your business plan will show your potential peer-to-peer lenders (i.e., investors) that you understand their importance in the success of your business.

Even if it is not a formal business plan, your loan listing can benefit from this information. Investors will probably be more likely to fund a borrower that presents a solid plan to pay back his loan.

Here are some items you will want to include in your loan request. You?ll use this information when you?re ready to provide a loan description on our peer-lending platform:

Note that none of these items are required to apply for a loan on the peerform.com platform, but the more detail you can provide in your small business loan request, everything else being equal, the better your chances of having your loan funded by our peer lending members.

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1. Include a brief summary of your business. This can include ?your background, a description of the product, market description, and key financial data such as the amount of money requested and how it will be used. Note: do not reveal any personal information about yourself as borrower and lender identities are kept strictly confidential in our system ? see Is borrower?s personal information visible to the investors?
2. Include a section about your management team. Because you?re likely a micro-entrepreneur, you probably don?t have a large management team on staff, but you probably do have personal advisors and mentors who you consult with. Without revealing any personal information, mention their roles in this section. Include their accomplishments, educational background, and any other relevant qualification, but ? again, don?t reveal any personal information.
3. Include a section about your product or service. Such an explanation of the product (or service) would include how it works, how it is unique, and/or how it compares with other like products or services.
4. If possible, include a section about your market. Who will be your customers? What would they be willing to pay? Who is the competition? Why would the customer choose your product or service over the competition?
5. Include a brief about your marketing plan, if you have one.
6. Include an operational plan. This portion ties many of the above sections together. It specifies how the company will operate, how the funding will be used, how the product will be distributed.
7. Include a financial analysis section. This section will probably be the most important to your potential lenders. Go into detail. Itemize cost and revenue projections. Include the cost of the loan you?re applying for. Use this section as an opportunity to assure lenders that you have a plan for paying back the loan.
8. Include a section on business objectives and milestones. Outline how progress will be measured, and what will happen at various points.
9. Finally, only reveal information that you?re comfortable with.

Source: http://blog.peerform.com/9-tips-for-micro-entrepreneurs-small-business-owners-looking-for-a-p2p-loan/?utm_source=rss&utm_medium=rss&utm_campaign=9-tips-for-micro-entrepreneurs-small-business-owners-looking-for-a-p2p-loan

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GLHFCasting ? Real Estate Management For All Types of Buildings

For people who own residential, commercial, or industrial properties, working with a property management and maintenance company can be a great resource. Property management works the same as management in any other field by overseeing what needs to be accounted, monitored, and cared for with any form of real estate. They work to locate long-term residents who respect and care for the property and always pay on time. A property manager acts as a buffer between the owner and the tenant alleviating the burden of busy owners. Hiring a respected property manager can make real estate ownership a breeze. Our managers have the experience and know-how to make every aspect of the process easy and pain-free. You can take comfort in knowing that we will always treat your property as if it were our own. Property Management Company Virginia

Source: http://www.glhfcasting.com/real-estate-management-for-all-types-of-buildings-2/

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Useful Credit Card Tips And Tricks For You | Jim McGilvary's Home ...

Mistakes Are Costing You! Learn To Stop?Making ALL 189 Of Them!

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Posted by Administrator on Dec 23, 2012 in Uncategorized | Comments Off

People all over the world use bank cards to help them get the things they need to achieve their goals. Credit cards can make life easier and provide a sense of freedom in the financial realm. However, it is vital that one looks into all their options and does their homework before opening any credit card accounts. The article below covers some of the basic credit information to help consumers achieve that balance.

Do not lend out charge cards under any circumstance. You may trust your friend, but it can cause problems. It is never a good idea to let friends use your card. They may make too many charges or go over whatever limit you set for them.

If you want to hang onto a credit card, make sure that you use it. Inactive accounts are usually closed by most creditors. The best way to ensure your account stays open for when you need it is to use a card occasionally. Remember to pay them off in full each month to avoid accumulating debt.

TIP! Fully pay off your monthly credit card charges when you receive the bill. Unless your credit card has 0 percent interest, every month that your card carries a balance, a finance charge is added.

All people with charge cards should get a copy of their credit report at no cost each year and look to see that everything is right. Compare the information on the report with your credit card statements and be certain they match.

Try to avoid credit card providers who charge an annual fee. Usually, no annual fees cards are offered to those with better credit scores. Fees can quickly eliminate the perks associated with any offers that accompany the card. Calculate it in your head. Annual fees are usually found finely written into the terms and conditions of the credit card, not in the promotional materials. Put your reading glasses on. Assess whether the card?s fees are a more substantial factor than the its possible benefits. Many times, they don?t.

TIP! Talk to the credit card company if you are having financial problems. Companies will sometimes set up payment plans for their customers.

Remember that you can always contact your credit card company directly and attempt to negotiate a new annual percentage rate if what you?re paying now is too high. A lot of times they will bring it down for you. This can wind up saving you a great deal of money, especially if you often carry a balance.

When closing card accounts, leave one open to help you build good credit. Try to make the one that you leave open the card with the longest history, as well as a strong payment record. Doing so helps show that you have handled one account well.

Do not charge everything on credit in an attempt to get points for rewards. If you want to accumulate airline points, you might rack up enough for a ticket if you make all your purchases on a single card. However, those tickets may end up costing you an a ghastly amount after racking up charges and interest rates.

TIP! Use your credit cards on a regular basis so that your accounts are not closed. If you do not use your card for a long period of time, the credit card company may close the account.

Always know the rate of interest on all your charge cards. This is very important: prior to singing up with a credit card company, be sure you know what rate you?re paying. If you aren?t aware of the rate, it could turn out to be much higher than you initially thought. If your interest rate is high, there is a good possibility that you won?t have enough money to pay your debt at the end of the month.

Always review the monthly statements for your credit card accounts. You need to do this regularly with each statement you receive. If you put this task off for weeks, you might not recall each and every transaction. Also, if you wait, you risk not fixing a problem if it currently exists.

Bank cards offer users financial flexibility and an ability to build a good credit history. When credit is used responsibly, it is great. However, poor credit habits have mired many consumers in ruin. This article has contained some valuable advice that can help any consumer to make educated credit card decisions that enhance their life and prevent credit pitfalls.

TIP! If you are looking for a secure card, try to stay away from a prepaid card. Prepaid cards are not credit cards at all, and they don?t report to any of the credit bureaus.

Are you ready to have success in the home based business industry and build it on autopilot? Click below to register for free today. See how it works here. Also check out our team benefits here

Source: http://leucabiz.com/blog/useful-credit-card-tips-and-tricks-for-you-2/

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Movie Review: ZERO DARK THIRTY - Assignment X Assignment X

By ABBIE BERNSTEIN / Contributing Writer

Posted: December 23rd, 2012 / 08:09 AM

Rating: R
Stars: Jessica Chastain, Jason Clarke, Kyle Chandler, Jennifer Ehle, Harold Perrineau, James Gandolfini
Writer: Mark Boal
Director: Kathryn Bigelow
Distributor: Columbia Pictures
Release Date: December 19, 2012

By now, pretty much everybody knows about the U.S. Navy SEAL raid in the compound in Pakistan that led to the death of Osama Bin Laden, head of Al-Qaeda, which claimed responsibility for the Sept. 11, 2001 attacks on the U.S.

What most people don?t know is exactly how the compound was found, how long it took and how it was determined to be the residence of Bin Laden. ZERO DARK THIRTY climaxes with the Seal Team Six nighttime raid (?Oh-dark-thirty? is the military term for 12:30 AM), but before that, director Kathryn Bigelow and writer Mark Boal, give us a chronicle of what led up to this.

We see much of ZERO DARK THIRTY through the eyes of CIA field agent Maya (Jessica Chastain), who has spent her entire adult life working for the CIA, and most of that time trying to find Bin Laden. We meet Maya as she arrives at a CIA ?black site? outside the U.S., where ?enhanced interrogation? (torture) is permitted. Maya watches as experienced interrogator Dan (Jason Clarke) does truly horrendous things to prisoner Ammar (Reda Katteb) in the name of getting information. Ammar begs Maya for help when they are alone; Maya tells him, ?You can help yourself by telling the truth.?

This aspect of ZERO DARK THIRTY, in addition to being tough to watch, has proven controversial, as the film depicts torture as a technique that can (albeit very slowly) yield useful information. Many in the intelligence community disagree with this assessment. In any case, the film doesn?t delve into the morality of this, beyond the toll it takes on both prisoner and interrogator. There is a moment of dark humor as the CIA agents watch President Obama on a newscast saying that torture will no longer be used. The alternative the CIA comes up with is more expensive, more effective and a lot easier to live with for all parties concerned (and makes for a bit of levity).

The eventual raid on Bin Laden?s compound, which forms most of the climax of the film, is of course action-packed and thrilling. However, the real demonstration of skill here, as other reviewers have pointed out, is how director Bigelow and writer Boal take what had to be a grueling slog of an investigation and turn it into something that makes us sit up in suspense at every turn. Maya (said to be a composite of several women involved in the investigation) is determination personified and she doesn?t have a lot of patience for even people above her who are hesitant to commit resources to the search.

Outright dread also comes from the unpredictability of the surroundings ?Pakistanand Afghanistan are countries where violence can very easily occur in even the safest-looking surroundings, as is shown repeatedly. Even when we realize that we?re about to see a dramatization of a known event in recent history, we?re made to feel as though we?re right on the ground with the characters.

Chastain gives us a real human being who lives for her work. This isn?t the unfortunately all-too-familiar situation of a young actress trying to show us someone with a steel spine, but rather a highly skilled performer who has no inhibitions about finding and revealing a fierce inner drive, along with an occasional bout of despair.

Clarke and Katteb are seamless in their scenes together and James Gandolfini is unexpectedly gentle as the CIA director. Jennifer Ehle is excellent as a colleague who initially disagrees with Maya on tactics but bonds with her anyway and Joel Edgerton is very persuasive as the Seal Team Six leader. TORCHWOOD fans should note that John Barrowman turns up in a small role.

Since many characters are composites, ZERO DARK THIRTY shouldn?t be taken as the last word on the raid on Osama Bin Laden?s compound. However, its depiction of the process by which the compound was ultimately found is richly detailed and feels authentic. There?s no show-boating or wasted time here ? this is a case where well-researched?art makes us believe we?re watching something that is true.

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JYP Entertainment takes legal action against a netizen sexually ...

On December 24th, miss A?s Suzy was victim to an unfortunate incident where a netizen sexually harassed her on Twitter.

The netizen had sent her a mention with a graphic picture of himself using a promotional picture board of Suzy to engage in a sexual activity. JYP Entertainment officials stepped up by announcing that they would be reporting the case to the appropriate authorities.

Officials announced, ?Recently, a picture of a netizen indirectly sexually harassing Suzy quickly made its way around the internet. As Suzy is still a minor and a high school student, we?ve decided that the situation was grave enough to involve the authorities. We have reported the picture to the Cyber Terror Response Center for further investigation.?

The Twitter account of the netizen in question has currently been deleted.

Source + Photos: Donga Ilbo via Naver

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Source: http://www.allkpop.com/2012/12/jyp-entertainment-takes-legal-action-against-a-netizen-sexually-harassing-suzy-on-twitter

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Hamming: "dubious that great programmers can be trained ...

	Hamming: "dubious that great programmers can be trained.."
	35 points by BlackJack 1 day ago | 60 comments
	I'm currently reading "The Art of Doing Science and Engineering" by Richard Hamming. The book is based off of lectures he gave in a course by the same name. Here are a few paragraphs that I found thought provoking: "I made the comparison of writing software with the act of literary writing; both seem to depend fundamentally on clear thinking. Can good programming be taught? If we look at the corresponding teaching of "creative writing" courses we find that most students of such courses do not become great writers, and most great writers in the past did not take creative writing courses! Hence it is dubious that great programmers can be trained easily. Does experience help? Do bureaucrats after years of writing reports and instructions get better? I have no real data but I suspect that with time they get worse! The habitual use of "governmentese" over the years probably seeps into their writing style and makes them worse. I suspect the same for programmers! Neither years of experience nor the number of languages used is any reason for thinking that the programmer is getting better from these experiences. An examination of books on programming suggests that most of the authors are not good programmers. The results I picture are not nice, but all you have to oppose it is wishful thinking - I have evidence of years and years of programming on my side." What do you guys think? I disagree with his creative writing analogy because I don't think creative writing courses were taught much in the past, but otherwise I feel it's spot on.

I firmly believe great programmers can be trained, but it's not going to happen after six months. I firmly believe in the 10000 hours rule, and I think it applies here as well, but to become a great programmer, that has to be 10000 hours of: * writing a lot of code, * reading other people's code, * evaluating and re-evaluating the code you've written and read, * learning and using different paradigms, languages and tools, and * being mentored by a great programmer who can teach. And, not surprisingly, these are all things that nearly anybody you consider a "great programmer" would have done to get to that point. Very few people who are not already inclined towards programming are going to be willing to put that kind of effort in. As a result, while I firmly believe great programmers can be trained, I think there are very few who actually are. In the end, I'm not even sure that "trained" can even be used as a classifier. I think a better classifier would be "self-selection". So, can a person who has not self-selected to be a programmer become a great programmer? Can a person who has not self-selected to become a basketball player become a Michael Jordan? Genetics may say yes one in a billion times, but most likely not. It may be easier for programming, thou, because you can spread those 10000 hours out over 15 years while still making a reasonable salary utilizing the mediocre skills you have today. Salary is a strong motivator, but I would be most people are willing to stay at the mediocre level. reply

If you spend 10.000 hours playing the same simple tune on a guitar you're not going to be a great musician. Similarly, if you spend 10.000 hours programming the same mediocre kind of code, you will not have become a great programmer. Programming is a craft, and like any craft it requires dedication to the craft to achieve a high level of skill in it. People without a passion for programming are not going to have that dedication, and therefore will not reach a high skill level. reply

I'm not sure how you could spend 10000 hours programming the same mediocre code if you were actually doing the things I outlined. The whole point of the list is to ensure you aren't spending the time doing that. I can't tell if you are disagreeing with me or not (I think you are), because you've said almost the same things I did. What you call dedication, I call self-selection. reply

One of the assumptions of the 10,000-Hour Rule, as Malcolm Gladwell asserts, is that a person spending 10,000 hours on an activity naturally has a strong proclivity for it. So working off that assumption: IF 10,000 hours = passion AND passion = great at a craft THEN 10,000 hours = great at a craft reply

That assumption is obviously wrong when you mix financial compensation into it. I've worked with more than a few programmers who were in it for a paycheck, some of them were perfectly competent at creating code for their little niche (CRUD apps, whatever), but were single-language, single-framework, lots-of-maintenance types of guys. Needless to say, them putting 10,000 hours into programming isn't the same as someone who is really passionate about it. To paraphrase: "Some people put in 10,000 hours, some people put in 1000 hours 10 times". reply

Two things people who put 10,000 hours have in common are: - They are naive and believe they can conquer the world - or are discouraged about their original inability and hide it. - They share a sense of destiny in what they do. They can't imagine a world where they wouldn't be working any more in their medium. So if you wanted to predict who will become a great programmer you could look for naivety and commitment. You could look for people who can't tell what they've accomplished. And which continue to obliviously work on (naively ambitious) things only because noone was around to stop them. reply

On (1) I point out naivety in particular because it's the most transparent and one of the most shocking. It's what you do not expect someone very capable to be. Paradoxical traits of personality in creative people are common. On (2) MacKinnon suggested the successful creative individual had an ongoing belief in the worth of their creative efforts. I don't claim these are the only two things to predict who will become a great programmer. http://arrow.dit.ie/cgi/viewcontent.cgi?article=1005&con... reply

Hmm. I'm not so sure about his analogy with writing. Of course, most people who take creative writing don't go on to become great writers; that pretty much goes without saying, most people in any field don't go on to become "great" (the very definition of "great" is that it's exceptional). So that part is a tautology. Now, I wonder about how many people who go on to be "great writers" received training in writing? Of course, "creative writing" as an academic discipline is rather new, but English has been around as a discipline for years. From a quick poll of the authors mentioned in http://en.wikipedia.org/wiki/20th_century_in_literature and http://en.wikipedia.org/wiki/21st_century_in_literature, almost every one had at least a college education, mostly in the humanities (which generally require a lot of writing, and train you in writing). And most of them have worked at lower-level writing jobs before becoming great writers; copy editors, journalists, corporate writers, and the like. Several of the more recent "great writers" of the late 20th and 21st centuries have indeed gone through creative writing programs. So his analogy, at least, seems to be false. How about in writing software? Well, as I mentioned, it's pretty much tautological that no training program can produce entirely great programmers. The purpose of training is to turn lousy programmers into mediocre. Mediocre into passable. Passable into good. Good into very good. And very good into great. You are not likely to train all of your lousy programmers into great; so claiming that training does not produce great programmers is attacking a strawman. I have seen plenty of people who have gotten a degree in computer science who are lousy programmers. And I have seen great programmers with no formal education. But on the whole, when I've looked at programmers with equivalent amounts of experience, but where one had formal training and the other did not, I would prefer the one who had some formal training. People who have not had formal training tend to not have much experience with reasoning about algorithms, or invariants, that can make their code a lot better. While its true that nowadays we have many libraries and tools that mean that the average programmer can just use built-in data structures and do a pretty good job, I've seen enough code that was so horribly inefficient that even a little bit of algorithmic analysis upfront would have been helpful. Or a lot of code where someone just hacked away at a problem until they had something that worked, rather than trying to formulate a model that would underly it and keep the code well-organized and understandable. And among those programmers who are self-taught but great, they have put in deliberate practice, and deliberate study, even if its on their own. So sure, there are some people who are just untrainable; I've worked with some of them. And there are some people who are naturally brilliant and able to study independently. But all else being equal, I think that deliberate training definitely has value in improving the quality of programmers as a whole; and so yes, training will lead to more great programmers. reply

"I made the comparison of writing software with the act of literary writing; both seem to depend fundamentally on clear thinking. Can good programming be taught? If we look at the corresponding teaching of "creative writing" courses we find that most students of such courses do not become great writers, and most great writers in the past did not take creative writing courses! Hence it is dubious that great programmers can be trained easily." That's just a staggering misuse of "hence". reply

The proverbial "10,000 hours" is not enough. Here are some problems with that. * You get 5 focused, highly effective hours in an average day, possibly 6 days per week. You can work productively for 10-12 hours in a single day, but it's not effective in the long run. As an absolute maximum, your harvest for something as difficult as programming is going to be about 1500 hours per year. So if you really max it out, you're going to need 7 years to become a great programmer. That's if you're maximally efficient and control your own schedule. * What you mentioned about bureaucrats becoming worse writers is probably true. It takes deliberate practice. It takes feedback and interaction and exposure. It may require a mentor. In fact, one of the most important "meta" skills is knowing when to recognize people are better than you, and to learn from them. Otherwise, you might be practicing doing things wrong. Most people at their paid jobs are doing just that, because the corporate world is one of oppressive mediocrity. * The software industry sucks. Most of the work is busywork and most of the shit being done is being done wrong. Few people get any deliberate practice at their paid jobs. In fact, I would say that most paid software work is negative toward long-term greatness, because it forces you to do things wrong. Programming is an especially hard thing to become really good at, because (a) to become a great software engineer, you must interact with the real world, but (b) the vast majority of the real world is dismally broken, and 99% of the real shot-callers are idiots who've never even seen a line of code except in the movies. reply

Note that Hemming is using the word "training" precisely, to contrast with "education": > * Education is what, when, and why to do things > * Training is how to do it > Either one without the other is not much use. reply

When asked, greater writers and programmers will both emphasize study and practice. They recognize they were once bad writers and programmers and got better via study and practice. I see no reason to doubt these self-reports. I think Richard Hamming is out of his depth here, as evidenced by his use of naive anecdotes and analogies. If programming is like writing, it is like a severely restricted writing exercise, where you can only use certain grammatical structures, where you have to define a lot of words explicitly and where your stories have to explain to a machine how to achieve a slew of mundane goals. reply

I don't know; I've never written much, and I didn't read nearly as much as I should have in my youth, but I always did seem to have a natural propensity for writing. For some kids in my class it was a war. They had to really battle to make the words come out on a page in a way that was as comprehendable as is their vocal speech, but for me I needed only to type and let it flow. So I while I agree with the notion that one will become better with practice, I question the ideas that all will progress at a similar rate and that the "ceiling" for their abilities are at the same level of skill. I think a bit of success bias is operating here. If you take the average NBA player and ask him why he made it, he'll likely cite hard work, having a winning attitude, or something to a similar effect. The fact that he is six foot six never enters into the equation. The chances of an athletically gifted giant making it to the NBA are inherently different than those of one who may have a natural tendency to programm. To pretend like the two could switch places and, having put in a lot of practice hours, end up in the same place, is either na?vet? or self-deception. reply

While you wait for confirmation that studying and practicing increases your changes of becoming Great at what you do, I'm just gonna go practice, expecting to race way ahead of you. I don't need an academic study to confirm the obvious: practice makes perfect. If all survivors did A and none did not do A, then A is likely to be at least a precondition. But more than that: the number of people that choose to spend time deliberately studying and practicing is already so small that there is room for them all to be Great. I am convinced that nearly every single person that deliberately studies and practices to become better at what he does will become Great at what he does, because 'Great' is a relative concept and most people are easily contented. reply

It was not intended aggressively, but rather rhetorically. We are not racing against each other, but if you intend to be 'good' at something, you are in a competition with a great many other. If you find excuses not to improve yourself, you will definitely not be 'good'. If you practiced basketball every day for the next year, and enjoyed doing that, you'd be an excellent basketball player after that year. That you couldn't make it as a pro doesn't detract anything from that. There's a near infinite amount of things every single one of us could do if they wanted to. The only problem is that we usually do not want to. The number of things that you truly can't do because it depends on some physical characteristic is fairly limited. You could be a physics professor, an awesome captain, an excellent stock broker or a locally successful artist. You are just not interested in any of those things. reply

It's a fact that you cannot become better at something without doing it. But it is not guaranteed that you become better at something because you're doing it. The personality traits that let you become a great writer or programmer are not innate in everybody. And for the most part you can't reshape a personality to have the right traits. It's not talent, but the right precondition to make use of the practice. reply

It is practically guaranteed that you will become better if you 'study and practice', which implies the explicit goal of becoming better. It's almost impossible to become worse by practicing with the explicit goal of becoming better. I don't have any reason to believe there exists such a thing as an identifiable "personality trait that let's you become a great writer or programmer". Perhaps a predisposition towards "being good at what you do" and "practicing and studying to become better" is such a thing, but when I speak for myself I know such tendencies can thoroughly change over time. I believe it's easy to engage in armchair psychology, while simultaneously thinking ourselves members of a special breed. reply

Becoming better isn't the same as becoming great. I don't think there is such a thing as an identifiable personality trait, not in the way you mean it. Yet I'll propose to you a simple proof of two points. The first point is that there is more going on than simply applying yourself. And the second point is that whatever that is, it has to do with your personality. To the first point: If there was a recipe to greatness (the Amadeus, Shakespeare, Einstein, Goedel, Knuth kind) then everybody would simply do it and we'd be a race of supermen. So obviously any argument for the existence of such a recipe has to be fundamentally flawed. This presents us with a paradox, as we do know that great people did apply themselves to become what they are, and we know that within bounds everybody is equipped with the same mental facilities. How do we reconcile this? To the second point: Great people applied themselves over decades and tens of thousands of hours. This level of commitment can neither be forced upon you, nor can you make yourself do it with discipline. You will have to find a drive inside yourself to do it. All things being equal and your personality being fully formed as you enter your teens, the answer obviously is that how that happens is your personality. You cannot predict how the personality of a person will interact with that persons life and goals, so there is no "identifyable". But with hindsight you can analyze a person and see what made somebody apply himself consistently for decades. And every person is different, so you cannot predict if a person will become great or not. reply

I think what makes one great in craft is deeply caring about the craft. It's not just a means to an end, it is something one truly feels passionate about. When one has that visceral calling for something, I think they find ways to get better at what they do. The greatest attribute of humans is that they adapt and learn. I know several people who could be great programmers, in terms of the ability to solve complex problems, but they do not care enough about their code to do so; which is fine, they find passion elsewhere. Programming is not for everyone, but I do think that it can be learned over time with patience, passion, and practice. reply

HackerNews has always been enamored with the perception of the so called Great Programmer that seemed to attract the next logical discussions: productivity and compensation. In a big scale software product, great programmer is only marginally important. In a startup, great programmer is definitely useful provided they do not come with "baggages" and asking for top notch compensation (how would you maintain your company's financial health if you are paying him tons of money and giving him stocks while it is your dream, passions, goals, and livelihood that is on the line). Programmers love to talk about great programmer because that is their dream: fame, money, and freedom. The real great programmers keep writing good code and act normally like any other workers...and I do not think that the bar is that high...most of us painted it otherwise. reply

I don't think you should underestimate the essential contributions that great programmers make to large-scale software products. They can: - Keep the entire system in their heads, which is of great help to other programmers who have questions about how the code works. - See several steps ahead and thus avoid pitfalls that may not be obvious to others. - Design stable and maintainable architectures. - Debug nasty bugs that others on the team may never be able to solve. - Mentor less-advanced programmers. Without at least a handful of really good programmers to lead the way, a large development project probably has a very small probability of success. reply

Hemming's point can be summed up with this pithy question: Do you have n years of experience, or n * 1 year of experience? Spending years on the job learning nothing or barely learning lots of programming languages does not make one into a great programmer. My mother taught creative writing, and it's exactly the same. Writers got good ultimately by writing, not by reading books about writing or taking classes on writing. (edit: Let me add that this is a central problem faced by educators: The good ones know that they can't teach/train success directly, rather that the students must take that training and educate themselves about how to use it to achieve their own success.) reply

> Writers got good ultimately by writing, not by reading books about writing or taking classes on writing. I'm not sure this is true. I've had a little success in short story writing, and have been pushing myself to get better over quite a few years now. At least for me, writing seems necessary but not sufficient. I have to: * Write * Think hard about what I write * Critique other writers * Read books by people who know the subject * Write some more The key seems to be reflecting as well as writing. It's essentially a constant struggle to improve rather than just cranking the handle. I think that's why the answer to: > Do bureaucrats after years of writing reports and instructions get better? is no. They're not striving to be better. reply

Based on years of research by folks like Cal Newport and Scott H. Young, the bureaucratic world epitomizes the antithesis of an efficient learning environment. To learn, one needs: * A constant influx of new and increasingly difficult challenges. * Opportunities to step back and review prior learning, in order to develop a more holistic understanding. * As rapid and accurate feedback as possible. As learning animals, we love video games because they hit all of those buttons of ours in rapid succession. The start-up world hosts a disproportionate amount of innovation and technical proficiency for the same reason. reply

Two important issues to take into account: 1) The use of "worse" or "better" keeps the conversation very subjective. Better in what sense? What metrics are you using to measure the skill? 2) Deliberate Practice: same as with physical training if you practice in ways that strain your capacity, it will grow as long as the necessary amount of time is put into the activity. Highly recommended: http://www.amazon.com/Talent-Overrated-World-Class-Performer... reply

Let's clear some facts first: - You're not born a programmer, there's no such thing as "talented" - Different people have wildly different levels of skill/proficiency in programming. - Skill in programming invariably takes time to acquire, nobody has become a great programmer after programming for a week. With that being said, what the author aims for is to predict who will become a great programmer, not just an average one, he's looking for the 99.9th percentile of programmers, for the 0.1%, the ones which outrank 1000 of their peers. For most of the profession/craft of programming that doesn't matter. You're certainly looking for people to hire in the 80th percentile and above but between 1:1000 and 1:5 there's a huge difference. We know that you can train people to become proficient enough in programming to be useful in it. As to the difficulty of "training" great programmers, it takes a long time and a lot of hours, persistence and passion to become one. Probably in the order of 10 years, 10'000 hours. Not everybody can do that. The simple fact that different people have different preferences, priorities, etc. ensures that most people on the path from beginner to great programmer fall somewhere along the wayside. But those few with the stamina to persist, who push themselves, for a decade or more, those people have a shot. So can you train personality traits that will allow you to pull trough? I think it's unlikely. You can show so-inclined persons the way, and if they have the right personality they can walk it, and you can train them on walking the path well. But you can't reshape their psychology to fit the path. reply

There are an infinite number of ways of solving the same problem. I have dozens of tools with which I can solve most of my problems; and I can choose to do it in many ways. Sure, there are only so many ways you can write binary search, in a given language. But that doesn't mean there is only one way to solve an actual problem. For example, if your problem is looking up elements in a dictionary (key-value) structure, there are many ways to do it. A hash table? Binary tree? B-tree? Sorted array? Trie? Patricia trie? Linear search in a linked list? Linear search in an array? Are the arrays fixed sized, or variable sized vectors? All of these solutions may be correct, depending on other factors, and all of them have many variants. And that, of course, assumes that you know that a dictionary structure is what you need. Maybe your problem actually would call better for a table with GiST indexes, or a quadree dividing up a two-dimensional space. Above that level, even if your data structure needs are fairly simple or fairly well determined, there's how you structure and organize your code to minimize the chance of bugs, make it extensible, and make it understandable to future programmers. Most of my work isn't writing fresh code. It's finding and fixing bugs in existing code, and extending it to do new things it was never intended to do. Depending on how well organized it is, and how expressive the code is of its intent, that job can be much more difficult or much easier. That's where a lot of the creativity comes in. Finding the write way to structure and express your code to fit the problem at hand. Writing code that will be adaptable to the future, easy to extend without introducing new bugs, easy to fix bugs in, but without including a lot of extra machinery for features that you will never need. It is easy to write code that does a single task, but will be fragile if someone ever tries to extend it to do something else. It is also easy to spend all of your time writing AbstractFactoryIteratorFunctionFactoryAbastractGenerators which are infinitely modular and extensible but don't actually solve any problems. Great code is code which solves a real problem, and can be used tomorrow to solve five more problems that you didn't even know about today, but which doesn't suffer under the weight of being designed to be extended in ways that you thought might be useful later, but wind up never being so. And writing such software, and modifying in those five ways, takes a substantial amount of creativity. reply

Creative writing is a good analogy. All artists have to be taught, even if they teach themselves. Same with programming. When asked to say, draw a picture of this house, most trained artists, who have learnt the mechanics should be able to do a faithful rendition of that house. The same with a small program, most trained programmers will be able to make it, using their skills. However, where both great artists and great programmers are the same is that they bring something more than the sum total of the parts to their work. This something more is what cannot be taught. reply

I want to recommend "The Artful Edit". It takes an all too infrequent approach to teaching how to edit and actually shows the before-and-after work of great authors. In this case, the reader sees quite a bit of Fitzgerald's process deconstructed. Having seen the changes required of the first draft, it left me with much higher hopes for leveling up my own writing. reply

Programming is a creative process if you actually know what is programming. Programming is about coming up with an idea of a system that could fulfill a purpose and then implementing and evolving the system over a period of time. I don't think there is anything more creative then programming, if only you understand what programming is about. In creative writing you express your thoughts using any of the human's natural language and in programming you do the same using a programming language and both requires logical and creative thinking. Just that in programming you can see your thoughts coming to life which makes it much more cool. reply

As someone who writes both software and fiction, I've only found an increasing convergence between the two over the years. Basically, fiction authors are writing obfuscated C, but doing so in Python, where the interpreter was compiled for a version of DOS intended for Windows 3.1 but coaxed to work on WINE, set inside of a virtual machine on custom-built ARM hardware with propriety drivers, with nothing but the AppleTalk protocol provided for communication between the author and the reader. If we get a buffer overflow in that environment, then we win. reply

One way in which it is comparable is you make up the program as you go along. You do have some sense of what you are about to write. But it's not that clear. You are not exactly sure what the program will turn out to be until you sit down to start writing. Like writing, rampant thoughts pull you in multiple directions until one seduces you into following it. It's surprising how seemingly irrelevant factors affect the program. A recent conversation with a non-programmer, a change in the weather, where you are sitting, or music are enough to set you off in a different direction. If a sense of design isn't precisely what shapes a program, a programmer would do well to pretend that it is. The counterpoint to the binary search analogy is that there are infinite ways to avoid writing a program that needs a binary search and write a different program instead. reply

Agreed. While someone who saw my writing as a college freshman might have thought they had discovered a "natural", that would have ignored the years spent unwittingly honing my craft in online roleplaying environments. Until we find a very proficient author with a demonstrable lack of writing experience, we have to assume they received direct or indirect training of some kind. The burden of that disproof lies with the proponents of the "natural/gifted" hypothesis. reply

When you look back at when you started programming and where you are now, what surprises you the most? What turned out to be the opposite of what you originally thought it would be? reply

Source: http://news.ycombinator.com/item?id=4959619

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