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spottybanana commented on The biggest crypto lending company is a ponzi scheme   rorodi.substack.com/p/the... · Posted by u/kevin_hu
therealmarv · 4 years ago
A lot of fundamentals to fully understand any problems are not covered here. It can be the article is right or wrong but it's nevertheless inflammatory.

Just to prove my point: Look at the P2P micro credit market (which works in the similar direction and out of the scope of fed regulated money market) where it is no big problem to get 12% APY on established P2P institutions.

spottybanana · 4 years ago
Those P2P loans get also lost quite often. If you have transaction logs that show you making consistent 12% for years that would be quite interesting to many.

Due to the nature of p2p lending sites the sites often have incentive to make it look good for the investor, as for them any activity on the platform brings fees in.

I think it is pretty logical that if some place makes consistent 12% to have that lowered along the years as investors will find the good places quite quickly and start competing for the price.

spottybanana commented on The Rise of the Decentralized Startup   elizabethyin.com/2021/09/... · Posted by u/rmason
jsonne · 4 years ago
I've read this take a number of time and I really think the VC crowd is mostly missing the point when it comes to why DAOs etc are able to get such good talent.

1. I would wager a good amount of people working on DAOs would never have gotten a job at Google. This isn't poaching the top tier talent from FAANGS but rather unlocking an ignored pool of talent because they lack traditional credentialism. To wit one of our investors is a co-founder of Sushiswap. Knowing them I don't think its possible they would have ever been considered for a FAANG position.

2. People mostly just want to work when and where they want with clear objectives and a chance to earn a good chunk of what their labor produces. I would argue for many that having a decent equity stake in a startup that is worldwide remote solves for this.

I keep hearing about this war for talent over and over and even though we're functionally a nobody seed stage startup I've never felt it because from day 1 we've been worldwide remote and asycnh. People say they can't find developers but the last time we posted a job we got 300+ applications in less than 24 hours and probably 1/3rd were reasonably qualified. DAOs are fine. I think they'll exist to some degree moving forward, but it isn't the end all be all I think some folks make it out to be.

spottybanana · 4 years ago
Also have to be noted, that the change to make bucketloads of cash from shitcoin peddling is something the traditional corps can't offer. Yeah for sure something like sushiswap requires talent, but it is only couple of years old and is already churning out millions if not billions. With many other business lines the same work/reward rate just isn't there.
spottybanana commented on The Rise of the Decentralized Startup   elizabethyin.com/2021/09/... · Posted by u/rmason
random_savv · 4 years ago
"No ethnographic studies have shown that any present or past society has used barter without any other medium of exchange or measurement, and anthropologists have found no evidence that money emerged from barter. They instead found that gift-giving (credit extended on a personal basis with an inter-personal balance maintained over the long term) was the most usual means of exchange of goods and services. Nevertheless, economists since the times of Adam Smith (1723–1790) often inaccurately imagined pre-modern societies as examples to use the inefficiency of barter to explain the emergence of money, of "the" economy, and hence of the discipline of economics itself."

https://en.wikipedia.org/wiki/Barter

spottybanana · 4 years ago
Do you think that guy that runs an organisation called "Hustle Fund" is that interested in those details.
spottybanana commented on Tiny   tinycapital.com/... · Posted by u/omarfarooq
lovelyviking · 4 years ago
With your experience do you think it is possible or how realistic it could be to put some talented person as a manager instead of yourself and thus allow yourself to do something else without actually selling it?
spottybanana · 4 years ago
There for sure are tons of people willing to manage someones else business if you pay them well. However how talented or good they are is a totally different thing.
spottybanana commented on Accepted and ghosted: interviewing for a leadership position at Stripe    · Posted by u/danrocks
ng12 · 4 years ago
Sure, but you run Coinbase. It wouldn't surprise me if people with less soft power than you had negative interactions.
spottybanana · 4 years ago
Yeah, it is no wonder that a founder-CEO of a 70 billion dollar company is having very little negative interactions with about anyone.

Personally I have became from poor ass bootstrapping startup founder to rich and successful retired entrpreneur (now investor) and it is ridiculous how people will treat you wildly differently as you get wealthier. And at times the exactly same people.

spottybanana commented on Ask HN: Did you find something to use your Raspberry Pi 400 for?    · Posted by u/dusted
proxycon · 4 years ago
I've tried a RPI 3b for backups & home server, but found it too slow. Also backup drives connected over USB are said to be unreliable. Since then moved to slightly bigger, but fanless & low power motherboard, with intel x86, in mITX form factor. Asrock sells a bunch of motherboard models with J-series processors. Its more expensive though
spottybanana · 4 years ago
After playing with earlier generation RPi's, my opinion was that they are useless crap, not performant and stable enough for my projects. But now I tried RPi4 8GB model, and I have to say that it is entirely different beast. For my projects they have been very stable and performant so far.
spottybanana commented on Ask HN: Did you find something to use your Raspberry Pi 400 for?    · Posted by u/dusted
Havoc · 4 years ago
The only sustained use I’ve found for raspberries is IOT.

For more general compute - works but you’ve got to have a lot of patience and no other options. Even a modest NUC will be way faster

Still I think the raspberries fulfill their intended roll well.

spottybanana · 4 years ago
> Even a modest NUC will be way faster

With the latest RPi 4 with 8GB ram, with an SSD drive, for my use cases I haven't found the performance problems at all. However I can totally see that for many other use cases performance might be a limiting factor.

I also considered going with NUC earlier, but because RPi is very "standard" it is very no-hassle to set up, and internet is full of different tutorials etc.

I just hope that in the future they also launch some premium & beefy version of RPi, so you could use all the same software etc but have more performance.

spottybanana commented on Boards are dangerous to founder/CEOs   reactionwheel.net/2021/11... · Posted by u/tosh
flenserboy · 4 years ago
1. Avoid going public if at all possible. 2. Avoid outside investors if at all possible. 3. Avoid having a board if at all possible. 4. Control the shares or the shares will control you.
spottybanana · 4 years ago
Just get born rich so you don't have to do anything.

I think it is no-brainer that founders would prefer to have full control and ownership. If you manage to bootstrap a profitable company with zero outside funding, great for you, but that's not the typical case. Most of us need some money to make money.

spottybanana commented on Credit-card firms are becoming reluctant regulators of the web   economist.com/finance-and... · Posted by u/mastazi
matheusmoreira · 4 years ago
What do you mean, "are becoming"? They have always been. If the payment processors don't want to be associated with a service, they'll refuse to handle payments and then there's simply no way for the service providers to get paid. See wikileaks and other "problematic" sites.

Advertisers are also regulators. I've seen sites start heavily censoring themselves because someone complained to Google and they pulled the ads. Stuff like this ruins the web.

spottybanana · 4 years ago
> I've seen sites start heavily censoring themselves because someone complained to Google and they pulled the ads. Stuff like this ruins the web.

You mean my web is ruined because I don't see more those ads selling the newest crypto ponzi scheme which promises 10000% yearly returns?

Let's deal with it, if advertising was totally uncensored that would be a nightmare for average user.

spottybanana commented on Ask HN: Practically accepting cryptocurrency for businesses without middlemen?    · Posted by u/hda2
anonymoushn · 4 years ago
Does this work? The only instances of people attempting to use LN I've witnessed ended in failure.
spottybanana · 4 years ago
I have been using LN quite a lot for casual payments in the last years. There have been a lot of small hiccups but recently it have been working very fluently for me.

u/spottybanana

KarmaCake day314December 4, 2019View Original