Light Novel Review: The Rising of the Shield Hero

This is were the anime was adapted from and I know there has been some controversy over how the story begins, but if you can get past that then it is a great story to read. I like how they made the main protagonists character completely different from most, it makes for a nice change of pace. The whole concept of the world is also unique compared to most novels that have a story similar to this one. This is a story based on being transported to another world that have mechanics like a game, not being transported into a game. This difference is made clear throughout the novels. I admit that there are some parts of the story that can get weird, but I have that thought with most light novels at some point. All the characters in the novel are interesting and have there own motives. It is also the first time that I wasn’t really annoyed by a single character, which is a lot harder then it sounds. So if you are looking for a light novel that will give you a nice change of pace compared to others then start reading this novel. There are currently 21 volumes so you will have a lot of material to read and an interesting world to explore.

What is a Full Stack Developer?

This is can be a common question to people new to the world of development. It actually just has a simple answer, it means that someone is working on the full range of technologies when working on a project. Specifically the developer is not just specialized in one area like the database, front end (HTML/CSS), or just some language like Java. So a full stack developer will be familiar with all of those technologies and how to use them. Usually this will mean that a full stack developer will make more money then someone who just does front end work. It is important to determine what kind of work that you like to do when finding a job. That is because it would be more beneficial to only work in the front end of things if that is what you prefer then force yourself to work all over the technology stack. Don’t forget that this does not mean a full stack developer is not specialized in any area. They may have a specialty in database development but have a good working knowledge of all the other areas. That is about all there is to the question, “What is a Full Stack Developer?”.

How to Refinance an Auto Loan

There are many reasons why you would want to refinance an auto loan. One of the main reasons is to lower the price of the payment on the vehicle. This is a good reason if you can not afford the payment on the vehicle already. Be careful since one of the main ways to reduce the monthly payment is to extend the length of the loan. This will make you pay more money in the long run, so make sure it is necessary to do so. Another reason is that the first place that gave you a loan has some very unfavorable stipulations, like not being able to pay on principle, a high early payoff penalty, or some other charges being added besides the interest. This would be a good case to find a new place to finance a loan so you can get out of those unfavorable stipulations. It would probably be good to get a monthly payment that is actually easy to pay extra money on per month. This will help payoff the loan in a much shorter time span. It will also allow you to pay less interest over the course of the loan as well. One thing to consider before going any further would be the state of your credit score. Make sure that it has risen around 50 points from when you got the loan in the first place. This doesn’t always have to be the case and with some looking around at banks you may be able to find one that will refinance the loan with more favorable stipulations. However, it will probably be safer to raise your credit score some before trying.

If you don’t know how to raise your credit score check out my post on “How do you build your credit as a college student?”. The advice can be applied to non college students as well.

Where do I get the Loan?

After determining if the idea of refinancing the auto loan is a good idea you have to find a bank or credit union that will refinance the loan. It will probably be easier to get a loan from a local bank that you have an account at and if you don’t go to a local bank it may be good to try whatever bank you have an account with first. After that you can try looking into local credit unions, because they usually have better interest rates then most banks. It is definitely preferable to talk to someone in person in order to get the process going. If you meet someone in person then you can tell them about your circumstances and they may be able to give you an idea if you will actually get the loan or not. This can keep you from getting your credit checked multiple times while trying to find a bank that will give out the loan. Make sure to also ask them about there terms for refinancing loans. It would do you no good if the new loan also came with stipulations that were unfavorable. Make sure it is easy to pay on principle only and that there are no extra fees per month for each bill. Another thing to check is how much they will charge for paying off the loan early.

What Do I Need?

Depending on where you get the loan will depend on the paperwork that they will need. Here is a list however that should cover most of the basic paperwork you will need to print off before going to the bank.

Drivers License
Title of the Vehicle
Registration of the Vehicle
Proof of Insurance (Possibly)
At least 2 years of Residency information
Current Job
Pay-stub (Possibly)

What is an API and Endpoint?

For most developers these concepts aren’t that complicated and are widely used in the project they are working on. However, I do remember that when getting my computer science degree there was no mention of either of these in any of the courses. The only time it was actually mentioned in a class was when a student was giving a presentation, but it never came up in the coursework. This is fine because a degree isn’t supposed to teach you everything, but it is still something to look into before you get a job because you will need to know these things. An API is a set of methods for interacting with an application. Essentially it is a way for you to access information about an application without having to know how the application works. This is done by giving people access to endpoints in an application. These endpoints are essentially URLs that access a certain method that a developer has set up in order to access information from the application. So you can use an endpoint to get data from an API and then use that data in whatever way you need. It is a really simple thing to learn, but can be easily overlooked. If interested then you can click here to get a little more in-depth view of an API.

Also if you have any questions just ask them in the comments.