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flavio87

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poetiq.ai 7mo ago

Poetiq shatters ARC-AGI 2 benchmark at half the cost

flavio87
25pts3
drive.google.com 1y ago

Utility Engineering: Analyzing and Controlling Emergent Value Systems in AIs

flavio87
1pts0
geneticliteracyproject.org 3y ago

EU allows importation of some GM crops

flavio87
2pts0
en.wikipedia.org 4y ago

Stanislav Petrov. The man who prevented a nuclear war in 1983

flavio87
7pts0
quillette.com 5y ago

Attraction Inequality and the Dating Economy

flavio87
4pts3
en.wikipedia.org 6y ago

Phage Therapy

flavio87
2pts0
medium.com 7y ago

How to Make Meat Alternatives Consumers Want

flavio87
12pts0
www.politico.com 8y ago

Why filing taxes isn‘t easy

flavio87
2pts0
www.forbes.com 9y ago

More Americans than ever are renouncing their US Citizenship

flavio87
1pts0
www.timesofisrael.com 9y ago

Israel’s huge binary options fraud

flavio87
2pts1
www.youtube.com 11y ago

Elon Musk getting a new car after he sold Zip2

flavio87
1pts0
en.wikipedia.org 11y ago

Dancing Mania

flavio87
1pts0
www.bitstamp.net 11y ago

Bitstamp Hacked – Important Message to Customers

flavio87
8pts0
www.sfgate.com 11y ago

San Francisco voters accept minimum wage increase to $15

flavio87
1pts0
translate.google.com 12y ago

California is a magnet for criminal gangs

flavio87
2pts0
www.forbes.com 12y ago

Why SV Tech Wunderkinds Will Only Have 1 Good Business Idea in Entire Lives

flavio87
1pts0
filipspagnoli.wordpress.com 12y ago

Statistics on GDP Correlations

flavio87
4pts1
blog.bitcoinpulse.com 12y ago

Bitcoin Big Hit with Developers: Predicting the future with Github

flavio87
38pts9
news.ycombinator.com 12y ago

Ask HN: Is there a way to view only new comments on specific post?

flavio87
1pts1
www.theguardian.com 12y ago

Edward Snowden's Christmas Message

flavio87
8pts0
www.economist.com 12y ago

Overtaxed and over there

flavio87
2pts0
www.economist.com 12y ago

Get a life (The more you use Facebook the more miserable you are)

flavio87
2pts0
www.economist.com 13y ago

Has the ideas machine broken down?

flavio87
13pts0
www.manhattan-institute.org 13y ago

The great California Exodus

flavio87
45pts67
news.ycombinator.com 13y ago

Ask PG: How many jobs have YC companies created in total?

flavio87
19pts11
www.youtube.com 13y ago

Marketing is about Values (Steve Jobs)

flavio87
1pts0
arstechnica.com 13y ago

Amazon customers get lockers at Staples

flavio87
4pts1
news.ycombinator.com 13y ago

Ask HN: How many candidates do those HN-Job posts for YC companies bring?

flavio87
9pts1
jknavigator.org 13y ago

Show HN: We built a Chrome extension to use J/K to navigate popular sites

flavio87
40pts23
news.sky.com 13y ago

France introduces 0.20% financial transaction tax

flavio87
10pts3

Scientific search engine/agent to surface papers with commercial potential (patent, moats, etc.) - eventually wanna expand to cover any search query. Imagine having someone reading 1000s of science papers on your behalf, with your goals in mind, and then telling which papers to pay attention to and why

How much time and $ would it cost to register your tokens as a security? Would it be possible without any financial history? I remember Lending Club was able to have them registered and offer securities with their peer to peer loans to unaccredited investors.

This sounds awesome. However I'm a bit saddened that there is no mention of CO2 or climate change in this discussion. What about building solar planes vs just faster planes will do even more harm to the environment if people start flying more because time is now shorter?

seems like their executing incredibly well and big congrats to the team. I do wonder a bit how defensible this model is - it seems to me that safeway already has most of the infrastructure available to do deliveries and then could significantly outperform instacart deliveries from safeway in terms of customer experience for example.

- they always know what's in stock in which facility when you order, no more replaced or missing items - they don't charge the high 20-30% markup that instacart charges to their customers

in terms of marketing, they could probably have lower cost of acquisition on scale as well. - they could market their app in-store very aggressively at every single checkout counter.

what Safeway is most obviously lacking is a frontend that's as good as instacarts, but now that instacart has shown how to build it, it should be easy for safeway to build this out.

maybe they don't have their distribution setup such that they could actually deliver within 1-2 hours? what else am I missing? how can this be a defensible business long term?

snapclass - although this happened a lot in the past, we are now curating the platform much more and also our repayment rates are in the 85% area. If you diversify well and go for A/B rated borrowers you can definitely make very positive returns.

We are now doing around USD 1M per month, are growing the number of borrowers rapidly - which allows for more diversification and better returns (on average)

Bitcoin by analogy 12 years ago

We are serving investors who don't want to expose themselves to bitcoin price. The current bitcoin price reflects pretty exactly the aggregated sum of expectations (wisdom of the crowds style) of what the likelihood is that bitcoin will go such astronomic levels.

We allow investors who think and breathe in USD (or other fiat currencies, for that matter) to invest all around the world 'using btc', without exposing them to btc. The returns we generate are so high because we have borrowers whose only alternatives are pay-day loans with 3000% APR (checkout wonga.com) or credit-card interest (checkout brazil's crazy 120-200% APR on outstanding credit card debt) If we provide 30-40% APR interest for them, that is a huge win, they can refinance their high interest debt and repay at a much lower rate. At the same time, that is how investors can make 19% a year after some defaults.

Bitcoin by analogy 12 years ago

nobody will ever lend bitcoins out for productive uses.

that is not true. Checkout https://btcjam.com. Investors have funded over $4M in loans so far, growing quickly. Loans can be linked to USD (if your revenue is in Fiat) or BTC (if your revenue is in BTC, for example for a miner). In other words, you get a loan denominated in USD, but paid in BTC and you are removing any exposure to the volatility. If the BTC price has doubled when you repay your loan, simply pay half the amount of BTC.

The bitcoin price doesn't matter for the linked loans. Bitcoin is more than just a store of value - it is also a means of sending value across the world for very low fees - and in this case, giving credit to people who can't easily obtain it at affordable rates.

(disclosure: I work at BTCJam)

the left column says what the growth rate was from today vs 7 days ago. the right column is a weekly average growth rate over a period of time, by default 30 days. So if the value in the left column is higher than the one in the right, this would mean that this week the metric is growing faster than it has on average in the last 30 days.

Aren't they going to have the same problem like Tutorspree, that once you have the contact info of a cleaner that you like, you simply work with him/her directly and bypass the (hefty?) exec transaction fee?

I agree that they would be bad investors if that was their only criteria. But most investors (and in fact most consumers) are heavily influenced by social proof. Have you ever bought a certain article over another one on Amazon because it had great reviews?

What a feature by TC is saying, this startup is interesting enough that TC wrote about them. It is a sort of a filter, much like YC is one.

Being written about on TechCrunch can also help create a sense of urgency with the investors you are already talking to, because now there is potentially more people interested.

great analysis. if you can keep them challenged and provide them best possible environment to tackle the challenges, they will be happy. They will excel and so you have excelled - automatically making the people you report to happy...

I do agree with your point that 4 hours is not much and that it should not be taken lightly. However I still admire him for even thinking about it and don't think he is longing for some god like recognition. View it as a first step for him and maybe, if he realizes how much he is enjoying doing something charitable he will want to do much more. Hopefully you find a project that allows you to understand what they do within the first day and then can commit some more time to it during 2012!

you are calculating the tax here at around 25%. Wouldn't this count as long term capital gains tax (if you hold the stock for more than 1 year, which it seems likely since the company was incorporated in 2007) that is currently being taxed at 15%?

[dead] 17 years ago

what about Monster, doing 1.3 bn in sales a year?