patio11

81 ms·

721.
by patio11 9y ago
I think "Repeating close variations on your usual theme unlocks far more value than you'd expect given minimal novelty value" is a surprising result. I utterly buy it. The advice I give which has produced the single biggest
722.
by patio11 9y ago
My argument would probably be willful non-compliance with FCRA requirements [+]. (I'm not planning on suing Equifax and if I were I wouldn't do it via a form letter, because that smacks of abuse of the legal process and judges wil
723.
by patio11 9y ago
You would supply supporting documentation ? Why on earth would you do that? I'd write $1 for previous salaries, let the human figure out that it is obviously an error, and say "That's confidential." when asked, in the u
724.
by patio11 9y ago
Decision trees for interpretation of the law are fraught ; talk to a lawyer about where the line is. The reason for not automating communications is in the post. The CRAs have carte blanche to straight-up ignore anything which they think c
725.
by patio11 9y ago
Yep ( http://federalevidence.com/node/784 ) ; mail properly addressed is assumed to be delivered. For related reasons, any mail sent to a business is assumed to have been read. This is a rebuttable presumption. Even kn
726.
by patio11 9y ago
The word connotation is typically used to describe inferences that you'd make about a statement given the word used which are widely available to native speakers of that language. Thin, skinny, and gaunt all mean the same thing; only
727.
by patio11 9y ago
Important not-a-lawyer advice: recording phone calls without the other party's consent is illegal in wide swathes of the U.S., but keeping copies of letters is legal everywhere.
728.
by patio11 9y ago
Do you live in the United States? In the United States: Where you live affects your credit worthiness. Illegal, and radioactively so. The practice was called redlining and a bank engaging in it would have hellfire rained upon it. Marit
729.
by patio11 9y ago
It is, somewhat regrettably to me, not nearly complete. This is the Cliff Notes version -- it's biased towards the most useful particular bits for one particular use case and constrained by the fact that I was trying to write it in a f
730.
by patio11 9y ago
You might not care about your credit rating but your credit rating, unfortunately, cares about you. Do you want to rent an apartment in the United States? You will, in many geographical markets, expect to have credit pulled as a matter of
731.
by patio11 9y ago
What did you do to get a response back from jobs you've submitted an application to? Round an unsolicited job application down to a no-op; this is not how the majority of jobs get filled. Instead, you should find someone with decisio
732.
by patio11 9y ago
I should probably update that downwards [0] these days -- I've even been thinking of dynamically calculating it to have an excuse to do a weekend programming project. [0] Busy with work and kids leaves me with less time for the Interne
733.
by patio11 9y ago
When you're in the Jiro levels you're presumably evaluating something other than just the food quality. Here's a fairer comparison: can you tell the difference between sushi which uses machine-packed rice and sushi prepared b
734.
by patio11 9y ago
I wouldn't be so sure about that. Businesses have call to send _many_ payments (and many types of payments); the overwhelming majority by count are below $25k. Since nothing about existing ACH or wires is going away as a result of th
735.
by patio11 9y ago
I used this recently to send my little brother a wedding present. The UX was pretty poor from his side for enrollment, but after that was done the transfer was instant as advertised.
736.
by patio11 9y ago
c.f. https://news.ycombinator.com/item?id=10505251 , where I explain the similar case of why some IRS web apps have office hours.
737.
by patio11 9y ago
You need to talk to an accountant and say the words "tax treaty" and "permanent establishment" then listen very carefully to what they say.
738.
by patio11 9y ago
As we grow the business in the States, do we have US tax liability even if we don't have a physical presence? Possible but unlikely; talk to an accountant. It will depend on a variety of facts which are difficult to assess from your
739.
by patio11 9y ago
Some combination of "I am an optimistic guy and like seeing the good in everyone", "This is, like Silicon Valley, a very small town where everyone knows everyone and where making friends is higher expected value than making e
740.
by patio11 9y ago
I presently own, for the sake of argument, one share of Bank of America. I purchased it through a broker presently owned by eTrade. The custodian for the account is Apex Clearing; they possess custody of the share. The underlying share i
741.
by patio11 9y ago
You can satisfy your curiosity trivially by looking for cross-currency Bitcoin volume stats and looking for the JPY volume. This will avoid me having made directly critical remarks of a Tokyo startup; that is, for a few reasons, something
742.
by patio11 9y ago
A lot of DMM's other businesses are also seediness arbitrage. The FX exchange, for example, is a bucket shop. (This is a shorthand criticism, but since many HNers might not know it already: pretend you have a country where gambling is
743.
by patio11 9y ago
Per capita spending on lotteries in Chicago's poorest neighborhoods is about ~$600 per year, of which the state of Illinois pays back about ~$100 to advertising agencies to continue to immiserate its own poor people, because if they do
744.
by patio11 9y ago
You can't licitly work for a foreign company from Japan without a work-capable visa, though Japan won't work too hard to detect and penalize this given that you're keeping your nose clean. I'd strongly recommend keeping
745.
by patio11 9y ago
IIRC yes but, since it leaked memory like a sieve, I did everything via system("gm ...") (This memory is a few years out of date.)
746.
by patio11 9y ago
Additionally, most international banks refuse US citizen unless you bring a lot of money, because the US taxes all citizen (not just the money made in the US, or money made by people while they were in the US). It's less about the ta
747.
by patio11 9y ago
Thousands minimally; soon tens of thousands.
748.
by patio11 9y ago
establishing HTTPS connection is intensive More intensive than adding numbers together, sure, but computers are pretty fast. If you're doing 100k connections a second you might have to give some thought to that. Meanwhile, if you h
749.
by patio11 9y ago
especially considering that company employees around that age tend to socialize a lot within the company. Yes. This is by design. You're not just joining a company, you're getting social belonging and a built-in set of drinkin
750.
by patio11 9y ago
I don't believe this to be true; feel free to run it by your accountant or attorney. (Our accountants/attorneys reviewed the parts of the above guide which carry their imprimatur.)

More ›