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Viewing profile — patio11

patio11

HN member
Joined
Mon, Nov 17, 2008, 8:42 AM UTC
HN karma
127,807
Public activity
10,524 items

About patio11

Howdy. I'm Patrick. I work for the Internet. Previously: Stripe, Starfighter, Appointment Reminder, Bingo Card Creator.

site: https://www.kalzumeus.com financial infrastructure writing: https://www.bitsaboutmoney.com podcast: https://www.complexsystemspodcast.com

My best email is patrick@ the top domain. Open invitation: if you're reading this, I'm happy to receive email about any software/startup/etc topic from you at any time. I generally reply to about 60% of unsolicited email from HNers, and if I don't reply to you, it is only because I got busy, not because of anything you said.

I write a lot. What I write here is unless otherwise stated in my personal capacity, and opinions expressed may not be shared by employers, clients, friends, etc.

Recent public activity

  1. comment
    Comment #46919108

    The thing which is beyond intellectually serious dispute is industrial-scaled fraud. You keep wanting to make me "own" the CCAP's estimate. I will not reciprocally try to make you …

  2. comment
    Comment #46918832

    The way I phrased that point was "The investigators allege repeatedly visiting daycare centers which did not, factually, have children physically present at the facility despite re…

  3. comment
    Comment #46918806

    We have reviewed your feedback on our editorial choices, and are comfortable that we have characterized the claims in the report accurately. We stand by "Minnesota has suffered a d…

  4. comment
    Comment #46918637

    FoF claimed to supply meals at the same physical locations as CCAP and paid the same owners. As mentioned, one of nine of the operators profiled, who was previously raided in an in…

  5. comment
    Comment #46918218

    The Swanson memo memorializes the consensus of his investigatory group and, put to question by OLA and legislators, they stick with that story: Page 14 of PDF: [The OLA] did not fi…

  6. comment
    Comment #45608830

    I am quite likely to do a more formal writeup in the next few weeks, unless Zvi beats me to it. (He had, apparently, directionally similar results.)

  7. comment
    Comment #45608824

    See: https://tax.illinois.gov/individuals/credits/educationexpens...

  8. comment
    Comment #44352039

    As I note frequently, I have a small pile of thank you letters as a result of the negotiation piece. Very few are written by people with an outsized public profile. How many people…

  9. comment
    Comment #44351994

    Internet fist bump.

  10. comment
    Comment #44181034

    (I worked at a different processing company, which I am not speaking for.) We're struggling to find the motive or intended outcome by the attacker(s). The highest likelihood for me…

  11. comment
    Comment #43277545

    She does not misrepresent her wealth in her article. At no point does she claim to be scraping by. A direct quote: > Initially, I was afraid that I wouldn’t be able to afford my ta…

  12. comment
    Comment #43277379

    I seem to have set you off somehow, and I do not understand precisely how, but I feel this is important: I did not publicly accuse the writer of anything. (I did heavily imply publ…

  13. comment
    Comment #43272357

    You can put theses in the third paragraph but you can't force everyone to actually read them.

  14. comment
    Comment #43072370

    I still get a kick out of this photo: https://x.com/patio11/status/332651272878575616

  15. comment
    Comment #43071057

    Tiny correction: in 2010, I invented a thing parallel to something many well-educated Americans of my acquaintance believe with respect to the centrality of their experience, for t…

  16. comment
    Comment #43007964

    (Correcting record: four witnesses.)

  17. comment
  18. comment
    Comment #43004433

    This is occurring against a backdrop of e.g. hearings of the U.S. Senate Banking Committee. I regret to inform you that the broader issue is of great interest outside our circles. …

  19. comment
    Comment #43004245

    Appreciate the note. The production configuration still thinks it is in Tokyo, and I did all my reviews on a laptop that knows it is in Chicago. Will fix.

  20. comment
    Comment #42817858

    They literally have no computer system that can tell them the difference between you and a hedge fund manager, and so an email to IR fairly reliably gets the white glove treatment.…

  21. comment
    Comment #42817834

    I could have quoted the roadshow verbatim in support of the point, but it felt tangential. The point is not “Chicago is on the precipice of a pogrom.” It is “political elites in Ch…

  22. comment
    Comment #42809077

    Congrats! Thrilled for you and the team.

  23. comment
    Comment #42380605

    Does your envisioned product allow someone to direct deposit a paycheck? Then congratulations, it is a credit account, because a) we expect to spend paychecks including very soon a…

  24. comment
    Comment #41548726

    Japan had a similar policy, with respect to legal immigrants it had made a point of recruiting, in the immediate wake of the global financial crisis. They'd buy (largely) Peruvian/…

  25. comment
    Comment #41500874

    Depends on the country and weight class of the financial institution, but among e.g. U.S. money center banks, branch bankers have been successively de-skilled for the last ~3.5 dec…