patio11

37 ms·

331.
by patio11 7y ago
You go to any Starbucks and ask the person operating the register to cash you out. They push the button designed to facilitate this.
332.
by patio11 7y ago
You're being a little imprecise with your terminology here, which may have contributed to folks thinking that this was not a comment which moved the discussion forward. The ratings agencies (Moodys et al) rate debt, including particula
333.
by patio11 7y ago
You'd likely be able to expense the dollar (deduct 100% of it against your taxes in the current year), versus having to capitalize the CapEx (deduct perhaps 20% of it against your taxes in the current year, via depreciation, while carr
334.
by patio11 7y ago
Fanfic, most obviously because a) doesn't include the trivial cryptographic proof of identity and b) including historical domain name registrations which you purport to have done under your own name is equivalent to publishing your own
335.
by patio11 7y ago
I'll give you the geek-friendly oversimplified version: The U.S. government issues several varieties of securities, informally referred to as "Treasuries." Substantially anyone can own one; you can buy one directly from the U
336.
by patio11 7y ago
You cannot steal an address on the blockchain. You can, trivially, so trivially that the community has a phrase for shaming people when it happens: "Not your keys, not your coins." One of the thorniest problems in credit history
337.
by patio11 7y ago
> when my wife and I went to apply for a mortgage, our agent at the bank told us not to even bother including my name and assets I think there exists a difference in what the author is communicating happened here and what actually happen
338.
by patio11 7y ago
I mean, federal law has little to say about the pricing of PDFs generated from databases in the supermajority of instances. Lots of them cost tens of thousands of dollars. The price is what the market will bear, etc etc. From the perspectiv
339.
by patio11 7y ago
I am not a lawyer, but I likely have had more at-bats with the credit reporting agencies and financial institutions on this and related issues than almost all lawyers and, I mean this literally, every other person on HN. I think you will, i
340.
by patio11 7y ago
Glassdoor is not presenting correct data; AppAmaGooBookSoft pay $300k+ at the “career level” for software developers, counting base, bonus, and one year worth of their equity grants. Every engineer who is not fired will eventually reach car
341.
by patio11 7y ago
Insufficient information to judge that to be the case; they rate millions of bonds and, statistically, they’ll almost certainly have every type of disagreement occasionally. The difference between AAA and junk isn’t 99 and 3 on a 100 point
342.
by patio11 7y ago
Because this would result in tens of millions of calls to the CS team to the general effect of "OMG someone is trying to hack my account!!! Do something!" to no purpose and decrease the adoption of a technology which materially in
343.
by patio11 7y ago
Begin looking for work. Thomas has articulated this well on HN in several places, including here: https://news.ycombinator.com/item?id=14705531
344.
by patio11 7y ago
This statement, which is currently greyed out, is an objective statement of engineering fact about one of the most important technologies introduced in the last one hundred years. I hope I have bought enough street cred to say the following
345.
by patio11 7y ago
This is one reason why microtransactions are often aggregated by either pre-selling a pseudocurrency or credit or by having the seller essentially extend you credit and capture payment after several microtransactions have gone by. You can s
346.
by patio11 7y ago
I propose that if you want to run a bank you probably want sufficient facility with numbers to make projections about the future and sufficient probity to trust those projections even when they’re inconvenient, plus the integrity to not ste
347.
by patio11 7y ago
I spend a lot more yen than you do rupees, have USD denominated reporting and payment obligations, and have asked my professional representatives about this. I was told a variant of "De minimis non curat lex." ("The law does
348.
by patio11 7y ago
It being pointless is the point. That is normally a fairly low-brow dismissal, so I will clarify that in this case I mean it as the straightforward reading of a piece of performance art. Banksy is an enormously successful commercial artist
349.
by patio11 7y ago
There's also a Rawls-esque thought experiment, which is "What rough archetype of a person/family would be better served by being teleported back to pre-capitalism if they got their ~current status in the old order, and everyt
350.
by patio11 7y ago
n.b. This argument is ~exactly the same for donating your time to charities. The current company which you sell your services to has a way to metabolize them and will pay you (presumptively high) market wages for doing so; a charity chosen
351.
by patio11 7y ago
Fraud and embezzlement are fraudogenic because people often make the choice to continue the game rather than accept a punishment for X, which requires putting a discoverable lie on the record and then increasing the stakes (and the rate at
352.
by patio11 7y ago
I work at Stripe, on the marketing team, and assisted a bit here. My last major engineering work was writing the backend to a stock exchange. If anyone on HN knows anyone who has the sort of interesting life story where they both know what
353.
by patio11 7y ago
(I work at Stripe.) You can email us and we’ll introduce you to a lawyer who can assist you with winding down the company. In the simplest case this costs $500. Speaking generally, the complexity depends on what you’ve done with the company
354.
by patio11 7y ago
The annual reports and division.
355.
by patio11 7y ago
You don’t need to be an internalizer to capture that, though. Just read the tape: the order for 3 shares that got the sub penny price improvement is the retail one. (There’s a paper on this somewhere that I think I remember reading when doi
356.
by patio11 7y ago
Also unclear to me... I think that's more an "Ask them" question than an "Ask me" question but single data point: neither my tax advisors nor myself felt a lack of clarity with respect to the treatment of their IB
357.
by patio11 7y ago
I am a huge fan of Vanguard, but Vanguard Japan has strong compliance concerns about providing services to Americans and Vanguard US has strong compliance concerns about providing services to people living in Japan, so I cannot conveniently
358.
by patio11 7y ago
The book I buy all of my cousins joining the workforce is I Will Teach You To Be Rich, which has an unfortunate title, doesn't teach you much about brokerages and investment options, but has the core right advice about personal finance
359.
by patio11 7y ago
I think that my answer here is pretty nuanced, and it is that most people I talk to should over the majority of their lives be using something like Wealthfront or a Vanguard target date retirement fund, but I also talk to folks who have q
360.
by patio11 7y ago
Fixed, thanks. (The joys of doing final editing past midnight.)

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