nshelly

5 ms·

1.
by nshelly 1y ago
When I was an American PhD student in Zurich, none of the Swiss banks would accept me—except the official post office bank. This was due to the stringent FATCA laws, which made U.S. citizens too burdensome for the traditionally privacy-cent
2.
by nshelly 2y ago
I would assume they could also dump memory, i.e. `/dev/mem`. Agreed they would need to also do frequent memory snapshots, but lots of malware will also run in the background waiting indefinitely, and often as the same name as com
3.
by nshelly 3y ago
Yes, great win all round, and also can help save on administrative costs. Poetically it was Einstein who said: Compound interest is the eighth wonder of the world. He who understands it, earns it … he who doesn't … pays it.
4.
by nshelly 3y ago
I imagine Quickbooks is adding more features as part of an upsell. The business loans by paying invoices upfront was a bit of a ZIRP policy though (now interest rates to SMB's likely would be prohibitively high, ~15%).
5.
by nshelly 3y ago
Intuit also produces Quickbooks -- which actually is SMB accounting software, and used internationally. As most of their revenue is from businesses who wouldn't easily be able to free-file, I wouldn't be surprised if Intuit's
6.
by nshelly 7y ago
Congrats Geoff! During a trek for Iraq and Afghan war veterans, Geoff made the time to meet with us and provide office hours on our hairbrained ideas. A few of us made it into YC and are super appreciative of his support and feedback over
7.
by nshelly 8y ago
Would love to connect. My email is in my profile.
8.
by nshelly 8y ago
Superhuman. Not cheap, but I love how fast it is with its native app (Electron I think). They write updates immediately locally, and sync that in the background, so you can breeze through your unsorted email quickly (pressing keyboard shor
9.
by nshelly 8y ago
Princeton's current 2018 size is $25.9B. In 2001 it was $8.4B, so a annual growth rate of over 6% per year. So Princeton would have to spend 1.6% of their endowment every year to offer free tuition to their students. Assuming their r
10.
by nshelly 8y ago
Is there a form of exercise you enjoy? Even walking is fine. Put on a podcast and go for a stroll (longer the better). Then afterwards, use the momentum and sense of accomplishment to push yourself to try something "strange" or
11.
by nshelly 8y ago
And in California, they (and their children) can also inherit the low tax basis from when their parents bought the property. Thank you Property 13.
12.
by nshelly 8y ago
Keep in mind Paragon Real Estate Group is motivated by turning over inventory and encouraging people to buy. > "longer term trends have always been positive" This suggests that you should always buy if you're planning to s
13.
by nshelly 8y ago
Good point. Prices for each CPT code accepted by by insurance company are kept secret, and the chargemaster published by a hospital is so inflated it's basically useless. For some diagnostic tests, it's pretty straightforward to u
14.
by nshelly 8y ago
You're right, patients get an itemized bill. The thing is the bill is pretty cryptic with CPT codes (and modifiers, ICD codes etc) practically unique to each payer as each payer interprets the AMA's guidelines differently. Payer
15.
by nshelly 8y ago
The amount an health insurance company pays is kept secret and we can assume is far less. Otherwise, insurance companies would find ways to open up more hospitals to compete with the large irrational ones, or face huge costs. The hospital
16.
by nshelly 8y ago
Caring for an infant is hard, high-skilled work and something you want to get right. "Shaken baby" is a real thing and can lead to development disorders. A hands-on attentive caretaker has a very good ROI -- healthier, more commu
17.
by nshelly 8y ago
Of course, of the 4,000 new residents, only 12% voted. The postage requirement was still required, and nearly all the new residents didn't bother to send in their ballots. And half of those got confused and voted to increase the &quot
18.
by nshelly 8y ago
I'm a fan too. I think we'd see fewer people take Uber/Lyft's for short drives (less than 2 miles), but commute traffic will stay the same due to "induced demand." Any reduction in the number of cars on the r
19.
by nshelly 8y ago
Thanks for clarifying! That’s a lot of new track for one metro area. “Buying in bulk” seems to ring true with many of these expansions.
20.
by nshelly 8y ago
The Financial District of Manhattan (and Midtown) is the only place like that in the U.S., and most people have been to Times Square, so it does a good job conjuring up an emotional reaction in voters.
21.
by nshelly 8y ago
It's just that many of the stakeholders in these areas such as long-time property owners in the westside of San Francisco and residents with rent control fearing gentrification would not benefit directly from new development. Their inc
22.
by nshelly 8y ago
If there were a Paris or Barcelona in the U.S, tons of people would move there. Cost of living in this "Paris" or "Barcelona" would skyrocket and you'd see the transit system hit the max and cost of housing skyrock
23.
by nshelly 8y ago
Yup, in general investing an equivalent money in stocks is better than leveraging your income to buy an illiquid, non-diversified asset like a single-family home. From Jan 1987 to Jan 2018, prices in San Francisco MSA have gone up 5.0% a ye
24.
by nshelly 8y ago
I believe the Case-Shiller index is "seasonally-adjusted", not "inflation-adjusted"[1]. What makes you think it's adjusted for inflation? [1] https://www.advisorperspectives.com/dshort/updates&
25.
by nshelly 9y ago
If a student can get into MIT that student will likely be financially well off no matter where they go, even after an upper middle-class family spends nearly $300,000 in tuition, room and board. It's the edge cases that are much harder
26.
by nshelly 9y ago
Child care is $20,000 to $30,000 per year in NYC and SF and many cities, the cost of the child's health care insurance is around $300-400 for a low deductible plan, and the extra rent, is around $1,200 for an additional bedroom, so the
27.
by nshelly 9y ago
Right, but the mantra in the personal finance circles is "Mortgage Your Retirement" because you are borrowing all the money you will need to retire -- say $2m, investing it in the S&P 500 and paying that off over time. If the
28.
Who still faxes? (search results)(google.com)
3 points by nshelly 9y ago|1 comments
29.
by nshelly 9y ago
Right, but the $700m valuation was preferred, and the employees likely paid AMT tax on the FMV (about 10-30% of that value). It's certainly sad but at least they can write off the AMT loss against capital gains if they have any and wi
30.
by nshelly 9y ago
I think for early stage companies you should see the startup as a 1) learning opportunity first and chance to work with a great team driven by a passion outside of pure money, and 2) an out-of-the-money call option / favorable lottery

More ›