Viewing profile — patio11
patio11
HN member- Joined
- Mon, Nov 17, 2008, 8:42 AM UTC
- HN karma
- 127,807
- Public activity
- 10,524 items
- HN profile
- View on Hacker News ↗
About patio11
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
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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 …
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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…
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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…
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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…
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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…
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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.)
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Comment #45608824
See: https://tax.illinois.gov/individuals/credits/educationexpens...
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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…
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Comment #44351994
Internet fist bump.
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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…
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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…
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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…
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Comment #43272357
You can put theses in the third paragraph but you can't force everyone to actually read them.
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Comment #43072370
I still get a kick out of this photo: https://x.com/patio11/status/332651272878575616
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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…
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Comment #43007964
(Correcting record: four witnesses.)
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Comment #43004956
(Fixed.)
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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. …
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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.
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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.…
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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…
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Comment #42809077
Congrats! Thrilled for you and the team.
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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…
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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/…
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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…