aketchum

4 ms·

1.
by aketchum 5mo ago
there are effectively no passenger trains in America and effectively no political will to expand them. Busses take multiple times as long for the same trip compared to a car. This doesnt even get into the anti-social behavior present on bot
2.
by aketchum 5mo ago
nano seconds matter in some miniscule number of High Frequency and Algorithmic trading use cases. It does not matter in the majority of finance applications. No consumer finance use case cares about nanoseconds. The vast majority of money i
3.
by aketchum 8mo ago
VIVA Finance | Atlanta, GA (In Person)| Back-end Software Engineer Target Experience Level: 2-4 years of professional software experience VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial sy
4.
by aketchum 11mo ago
VIVA Finance | Atlanta, GA (In Person)| Front-End Developer VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally
5.
by aketchum 1y ago
VIVA Finance | Atlanta, GA (In Person)| Front-End Developer VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally
6.
by aketchum 1y ago
VIVA Finance | Atlanta, GA | Back-End Developer VIVA is a Fintech Startup based in Atlanta, GA with the mission to build a more inclusive financial system. VIVA offers unsecured personal loans to customers who have traditionally been exclu
7.
by aketchum 1y ago
It is always interesting to me when people say they are "bad test takers". You mean you are bad at the part where we find out how much you know? Maybe you just don't know the material well enough. caveat emptor - I am not ND
8.
by aketchum 1y ago
im interested in the answer because I have not seen the same productivity increases with claude code and copilot. When I read comments like your original one I think that I must be using the tools incorrectly. How do you use them in your wo
9.
by aketchum 1y ago
this seems unrelated to the post
10.
by aketchum 1y ago
If you have a 6% profit margin (i.e. grocery store) and then you have to pay 3% of basically all revenue, you are now at 3% profit margin. This is why Costco only accepts VISA - they have 11% margins so 3% would be over 25% of their profit.
11.
by aketchum 1y ago
> Where's the money coming from? You can't spend out of thin air... Of course you can - It is a credit card
12.
by aketchum 2y ago
"The banks marketed the deal last week with an intention to sell down the debt at 90-95 cents to the dollar but managed to price it at a higher price of 97 cents... In late 2022, an attempt to sell the unsecured loan attracted bids in
13.
by aketchum 2y ago
twitter corporate bonds are trading at 97 cents on the dollar now, they were trading closer to 40 cents shortly after the acquisition. I would not assume they are still losing money
14.
by aketchum 2y ago
I interviewed for an internship at Ford in probably 2015. It was striking to me that they spent basically half the interview hyping up Detroit and convincing me that it would be a fun city to spend time in. It was clear that the company kne
15.
by aketchum 2y ago
Most of it is linear algebra and convex optimization. You can learn a lot of it with free resources from MIT, Stanford, Georgia Tech, or YouTube. If you want more of a school style learning environment you can enroll in the Georgia Tech OMS
16.
by aketchum 2y ago
I’m not being a troll I’m seriously asking - how does crypto replace banks? Am I going to get a mortgage in BTC? If narrow banking, why give them my btc at all instead of holding myself? If not narrow banking then they are lending out my b
17.
by aketchum 2y ago
this is a tangent for sure but I doubt you can find payday loans that lend for 30% APR (Apple Store takes 30%). People really have no idea what realistic rates are for people with bad credit. If you have a sub 580 credit score the average A
18.
by aketchum 2y ago
we are not going to end public school. Just look at Kentucky where trump and R candidates won easily but the school choice amendment was crushed
19.
by aketchum 2y ago
AI is a term that changes year to year. I don't remember where I heard it but I like that definition that "as soon as computers can do it well it stops becoming AI and just becomes standard tech". Neural Networks were "A
20.
by aketchum 2y ago
My company is an online lender - we use plaid so that users may instantly link their bank account. They have an alternative of verifying with micro-deposits, but that does take 2 days and the company gets less information on the user, so th
21.
by aketchum 2y ago
unlikely, who would pay the plaid bill here? they dont really have ala cart pricing - you have to create an account with them etc
22.
by aketchum 2y ago
this sounds incredibly hard to do - plaid's moat is that it is a bunch of work to keep up to date with all these different bank UI's, plus many banks have moved to OAuth which they only provide to trusted partners - like plaid. Yo
23.
by aketchum 2y ago
internship programs are ways to lock in top talent from top universities. I don't know the stats but I bet the majority of graduates end up taking a job at a company they interned with. You still need to hire juniors to have the eventu
24.
by aketchum 2y ago
cant show up on your credit report though - so why does this matter?
25.
by aketchum 2y ago
if you make it illegal to convert btc to cash (which a government can do trivially), my contention is that this will kill crypto. Most people simply don't want to break the law. Much of the liquidity in the system dries up. Yes you can
26.
by aketchum 2y ago
I would agree
27.
by aketchum 2y ago
The government in question can easily pass a law making it illegal for traditional financial institutions to interact with crypto. In this scenario, most users will simply stop using it to follow the law. For the die hards fans they will st
28.
by aketchum 2y ago
I would have agreed, but the US BTC ETF success shows that people care about the asset of BTC divorced from the promise of lack of regulation.
29.
by aketchum 2y ago
I think the autor would argue that we are still in the era of "crypto is too small to fully regulate" stage. But if we take it to the extreme and 50% of all transactions are done with a crypto currency, why would governments _not_
30.
by aketchum 2y ago
a lot of negative comments here but i think this is really neat! It is unclear what the case adds besides the form factor and buttons. Is that the main value or does the case provide charging or additional memory or anything like that? Than

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