HN user

Judson

1,432 karma

Builder. Software Engineer, Armchair Economist.

Previously: - staff eng @ Block - Drizly (acquired by Uber)

Co-founded: - Multi (MPC bitcoin wallet) - Judson & Co (JudsonCo.com Wholesale Distribution Platform) - Mattress (Secure multisig bitcoin storage + app)

Grew up at Ebay, Svpply.

Jud (dot) Stephenson at google mail

[ my public key: https://keybase.io/jud; my proof: https://keybase.io/jud/sigs/tkZXsUh0fE7WI7nk9LCO5wcoK-JzBwphpQWHMjLnl5k ]

Posts58
Comments258
View on HN
docs.aws.amazon.com 9mo ago

Amazon EC2 Instance Attestation

Judson
9pts1
institutionaldatainitiative.org 1y ago

Knowledge Institutions Can Build a Promethean Moment

Judson
1pts0
www.finra.org 6y ago

Finra Fines Robinhood Financial, LLC $1.25M for Best Execution Violations

Judson
4pts0
www.marketwatch.com 6y ago

Amazon Blocks Sellers from Using FedEx Ground for Prime Shipments

Judson
189pts160
www.grassley.senate.gov 7y ago

Bipartisan Draft Legislation to End Surprise Medical Bills

Judson
1pts0
www.shiftpayments.com 9y ago

Shift Card, the first U.S. Bitcoin debit card

Judson
3pts0
developer.apple.com 10y ago

How iOS Security Really Works

Judson
1pts0
www.nytimes.com 10y ago

Payment Processor to Stop Working with Daily Fantasy Sports Clients

Judson
69pts68
medium.com 10y ago

SoulCycle IPO Highlights Opportunities in Music Licensing

Judson
1pts0
dnsimplestatus.com 11y ago

DNSimple 3+ Hour (Continuing) Major Outage (RubyGems, EasyPost, Travis-Ci)

Judson
25pts1
antirez.com 13y ago

Exploring synchronous replication in Redis

Judson
1pts0
www.politico.com 13y ago

Apple target of Senate hearing on offshore taxes

Judson
2pts0
pastebin.com 13y ago

Name.com Responds to HTP Security Breach

Judson
5pts1
thenextweb.com 13y ago

YouTube: Improved Content ID detection and appeals process for copyright claims

Judson
3pts0
techcrunch.com 13y ago

Amazon Partners With EPIX, Brings 3,000 More Titles To Prime Instant Video

Judson
1pts0
www.reuters.com 13y ago

Amazon and Epix strike movie deal

Judson
2pts0
techcrunch.com 14y ago

Tumblr President John Maloney Steps Down, Promises “Awesome New Stuff”

Judson
1pts0
www.amazon.com 14y ago

Amazon lands MTV, Nickelodeon, Comedy Central, and VH1 Streaming

Judson
1pts0
www.huffingtonpost.com 14y ago

Lilyhammer, Netflix's First Original Show, Available To Watch Online Now

Judson
2pts0
www.betabeat.com 14y ago

NYC Product Designers Unite, Name Themselves After the Police

Judson
1pts0
www.google.com 14y ago

Google Protests SOPA With Google Doodle

Judson
4pts0
www.huffingtonpost.com 14y ago

Ticketmaster Processing Fees Will Be Refunded To 12 Years Of Customers

Judson
4pts1
www.amazon.com 14y ago

Amazon adds 800 TV Shows, Disney-ABC to Prime Streaming

Judson
11pts1
www.google.com 14y ago

Ed Nash: How Steve Jobs Saved The Music Industry

Judson
2pts0
www.law.com 14y ago

Facebook Settles Trademark Fight With Lamebook

Judson
3pts0
gigaom.com 14y ago

Steve Jobs Resigns As Apple CEO - Wants to Be Chairman (Letter)

Judson
6pts0
twitter.com 15y ago

WWDC looks like the stage for a Startup Holocaust.

Judson
9pts0
daringfireball.net 15y ago

WWDC 2011 Prelude

Judson
81pts58
news.yahoo.com 15y ago

S&P Cuts Long-term Outlook For US Debt to Negative

Judson
1pts0
network-tools.com 15y ago

ZoneEdit Nameservers Down - 1hr and Counting

Judson
3pts0

This is almost exactly how it _does_ work in big box grocery except there are blanket policies re: disposal for food items. Fwiw, Amazon also has near identical policies for food items.

The realities of a warehouse operation make this inevitable (I’ve run an 8-figure/yr online distributor). Amazon cannot take the customer’s word on return condition. Folks just click “damaged” to get a refund and Amazon has to have warehouse workers, not professional book inspectors, receive the returns and note their condition.

This is good enough since someone buying the used copy can also return it if they disagree.

Interesting. Just one data point, but my wife and I both have airtags on our keys. When I drive her car (and she's not in it), I get a notification about her keys traveling with me. We're on the same iCloud "family" account. I wonder if there’s something else that needs to happen?

Feel free to reach out (email in profile) if you want to chat. I grew an e-commerce distributor to 8-digit revenue with in-house fulfillment and software development.

Edit to add: It can be such an isolating experience. We had no clue what we were doing half the time. Hard to find anyone willing to talk that had been through it.

Soundstripe | Lead Software Engineer (Frontend - React) | Remote US | Full-time | https://soundstripe.com Soundstripe provides an unlimited subscription service to tens of thousands of video creators, from YouTubers to freelance videographers, nonprofits, and Fortune 1000 companies. We've experienced significant growth and have been incredibly capital efficient with only one round of institutional investment.

My team is looking to for:

- Lead Software Engineer (Frontend - React): We're looking for an experienced front end engineer to join our team of 10+ (mostly full-stack) software engineers. You'll be responsible for architectural decisions that shape the future of our React codebase, reviewing code, leading automated test implementation, and hacking on new features. https://soundstripe.bamboohr.com/jobs/view.php?id=76

Soundstripe has an awesome work environment, a "flexible" (unlimited) PTO policy (_we really take PTO_), and we're Remote-first, so work anywhere you like!

If you are interested, or have questions, reach out to me via email in my profile. Also if you are in Nashville, TN - ping me and we can grab socially distant coffee.

Soundstripe | Lead Software Engineer (Frontend - React) | Remote US | Full-time | https://soundstripe.com Soundstripe provides an unlimited subscription service to tens of thousands of video creators, from YouTubers to freelance videographers, nonprofits, and Fortune 1000 companies. We've experienced significant growth and have been incredibly capital efficient with only one round of institutional investment.

My team is looking to for:

- Lead Software Engineer (Frontend - React): We're looking for an experienced front end engineer to join our team of 10+ (mostly full-stack) software engineers. You'll be responsible for architectural decisions that shape the future of our React codebase, reviewing code, leading automated test implementation, and hacking on new features. https://soundstripe.bamboohr.com/jobs/view.php?id=76

Soundstripe has an awesome work environment, a "flexible" (unlimited) PTO policy (_we really take PTO_), and we're Remote-first, so work anywhere you like!

If you are interested, or have questions, reach out to me via email in my profile. Also if you are in Nashville, TN - ping me and we can grab socially distant coffee.

Soundstripe | Lead Software Engineer (Frontend - React) | Remote US | Full-time | https://soundstripe.com

Soundstripe provides an unlimited subscription service to tens of thousands of video creators, from YouTubers to freelance videographers, nonprofits, and Fortune 1000 companies. We've experienced significant growth and have been incredibly capital efficient with only one round of institutional investment.

My team is looking to for:

- Lead Software Engineer (Frontend - React): We're looking for an experienced front end engineer to join our team of 10+ (mostly full-stack) software engineers. You'll be responsible for architectural decisions that shape the future of our React codebase, reviewing code, leading automated test implementation, and hacking on new features. https://soundstripe.bamboohr.com/jobs/view.php?id=76

Soundstripe has an awesome work environment, a "flexible" (unlimited) PTO policy (and we really take PTO), and we're Remote-first, so work anywhere you like!

If you are interested, or have questions, reach out to me via email in my profile. Also if you are in Nashville, TN - ping me and we can grab socially distant coffee.

The cost of the rental truck may be the least important piece of this equation. Depending on the pickup shortfall, I could easily see the need for multiple trucks needing to go to each carrier's facility.

You're also going to multiple employees per truck, with at least one being more senior since there could be tens of thousands of dollars in merchandise.

They'll need to get to the carrier facility and make sure the boxes are scanned, because they are now a variable in the transport, and it would look bad if a box went missing and supposedly never made it to the carrier. At the warehouse we have cameras that make it unnecessary to watch the boxes being scanned. Not to mention customers check tracking like hawks and would call and take up support resources wondering about their box that "shipped" but the tracking page says "Fedex is waiting on your box to arrive".

On top of this, carrier pickups are typically scheduled as late as possible. We lobbied heavily for our UPS / Fedex pickups to be 6pm (or later during peak). So you're going to need to send employees to the carrier at 6:30pm or later, dropping the truck off at the warehouse at 7:30 (at the earliest) after loading/unloading/scanning (It was a 15 min drive to the carrier center).

So they're getting home at 8pm, and need to be back at the warehouse at 7am to pick all the orders for the next day.

Palantir S-1 6 years ago

Something like M1 Finance 'pies' could work, but still looks a lot like 'managing a whole bunch of individual stocks'

I had a chat with someone working on a similar product in this space. The problem being solved here is the matching component of charitable giving (which you mentioned).

Turns out, running a matching program at a company is pretty annoying at a certain size. Much less monthly charity stipends, etc.

Withholding from the paycheck would certainly be a great addition in the future, but is not necessary in the MVP to have people pay for the product.

Yea, totally wrong here.

My assumption was that a lot of estate planning would be required to avoid major taxes, but seems like the default choice is a pretty good deal (tax-wise) for those involved.

Good to know!

IRS FAQ on inherited assets is pretty good here:

https://www.irs.gov/faqs/interest-dividends-other-types-of-i...

Without any estate planning, you would pay $0 in capital gains because the basis resets to FMV at the time of death and the sale would be taxed as regular income (37% marginal bracket on $1,000,000 sale).

By my reading, this doesn't seem like a giant tax break.

Edit: Totally wrong. $0 taxes owed because basis is stepped up and sale is NOT treated as income.

A fair criticism of the study, but does not make the case that “no patient on HCQ alone was virus free by day 6”, since that is objectively false by my reading.

Great that we’re looking at the same study! I’m not sure what you mean by:

“No patient was cleared of virus after six days using hydroxychloroquine alone.“

Because the percentages there are 57% Of patients on HCQ alone we’re cleared, vs 12% control.

It's been mentioned, but a solo-401k would likely allow you larger tax-deferred contributions than a SEP, depending on income (Can defer ~$57k on $200k w/ solo-401k).

I have one at Fidelity, it's free and I would recommend them. Vanguard / Schwab / ETrade offer similar prototype plans.

Since you're in TN, the standard LLC + S-Corp playbook w/ 'reasonable' salary + remaining as distributions isn't going to net very much after state taxes.

You didn't specifically mention a _home_ office, but it becomes valuable if it is your principal place of business. Miles between home office and other offices become deductible. A proportional % of your rent, utilities, and if you owned the home - mortgage interest.

If you're able to max the 401k and are generally young/healthy, you could pick up a high deductible healthcare plan and open an HSA. Fidelity is also one of the best HSA accounts, so that's convenient. After age 65, an HSA basically becomes a Traditional IRA (Except for unfortunate CA/NJ residents). Some folks use the HSA as an emergency fund and pay medical out of pocket, but keep enough receipts that they could withdraw a few months of expenses if needed. (An HSA is basically self-managed, not like an FSA where you have to submit claims and such if you paid out of pocket).

If you open a solo-401k and roll your SEP into it (Fidelity supports this), you can also make a $7k non-deductible contribution to a tIRA and then convert it to a Roth. It won't lower your federal tax, but will build a tax-free retirement base (+ protection from creditors / civil suit). Can also use this as an emergency fund since Roth _contributions_ are able to be withdrawn tax-free.

(If you don't roll the SEP into the 401k, you cannot do non-deductible tIRA -> Roth conversion without paying taxes on earnings of your entire IRA pool).