aclimatt

Joined 16 years ago

Karma
1,334
Submissions
205
Member since
Dec 30
Leading Lightbox Labs at Credit Karma. Formerly co-founder of Bitmatica (www.bitmatica.com), a cutting-edge software consultancy (acquired by Credit Karma).
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Recent submissions

Comment · 10 months ago
What are we "putting up with" and what problem are you trying to solve? LinkedIn works because it provides value. Competition doesn't just appear for fun; it appears because there is differentiated value to be captured.

So once LinkedIn stops providing the value that gives it its dominance, and/or someone finds a way to deliver more value, you'll see your competition. That's your answer. Seemingly nobody has found a good enough angle or opportunity,

And FWIW, sure the network effect is hard to replace, but not even close to impossible. Just ask the dozens of other social networks that have fallen from greatness. It just means a competitor has to deliver outsize value to overcome the inherent network effect that they're competing with.

Comment · 1 year ago
Right and not just that it's new, it's that it's noteworthy.

The NYT's motto is "all the news that's fit to print". The job of a news source is to report on stories that are A) new and B) noteworthy.

Sure they're sensationalist to gather more clicks. But even if they weren't, this skew wouldn't change.

I get what the article is trying to say, and they did call this out, but it's still a bit silly to do an entire data analysis to prove that newspapers primarily report on stories that are... newsworthy.

Comment · 1 year ago
This is all great advice especially at the 101 level. At the 201 level, you can start to skip a lot of these formalities by straightening out the information asymmetry and really having a crisp position on the value exchange.

- Your #1 goal should actually be knowing the top of the range of what this role is worth in the market. Once you figure that out, the whole "don't say the first number" rule is BS. Set expectations at the high water mark and then your job isn't to negotiate on salary; it's to negotiate if you're worth it

- Now that you know the maximum price this role (or product, or service -- it's all the same!) can be set to, you need to convince the other side that you deliver the requisite amount of value to justify the price. Like the article said, talk about your impact. Your BATNA. Your opportunity cost. All of these things are real and support why you are worth it

Once you transition from negotiating on price alone to negotiating ROI, everything changes. Try your best to solve the asymmetry, set the price and move on, find your leverage, and then make a compelling case. That's how you win

Comment · 1 year ago
Amazing what a little (a lot of) money and power can do to a culture. Some of our worst traits come out when we're all of a sudden in charge.
Comment · 2 years ago
Perfectly said on both counts. Rents, unlike broker fees, are highly transparent prices that are far more influenced by market pressure and competition, a win for buyers in a market already very lopsided toward sellers. Because broker fees are disclosed selectively and later in the purchase funnel, buyers (renters) often make less optimal and more expensive choices due to that information asymmetry.

There definitely will be a small spike in the cost of rentals, but 1) it will definitely not be a perfect 12-15% transfer from what the fee costs, and 2) I predict that downward price pressure will bring rental costs around what they are now, especially given the prevalence of no fee units. The cost will likely just cut into landlords' revenue, and anyone claiming prices will rise substantially are probably lobbying on behalf of landlords.

Comment · 2 years ago
This behavior is extremely frustrating. I have a pair that only supports one device, and on the occasion that I connect them to my MacBook and forget to unpair or turn off Bluetooth afterward, they will permanently be usurped by Apple Music -- computer awake or asleep -- and my phone never stands a chance.
Comment · 2 years ago
Yep that was one of my justifications for wanting to get a Lyme test. Their response: "well you never had a rash and don't remember being bitten by a tick so that sounds impossible"
Comment · 2 years ago
Same story as a lot of people here. I got Lyme when I was in my early twenties. I had no bullseye rash and no evidence of a tick bite. And I lived in California which made it even more confusing.

Woke up one day with debilitating headaches (I never got headaches normally). Lasted for two weeks, doctor said I had "viral meningitis" which should clear up on its own. Coincidentally they did, and thought all is well!

Next week my elbow hurts. Then my pinky. Then my foot. Then my neck. Every day it would be a new obscure part of my body, until a month in I was in so much pain I could barely walk. For someone in their early 20s, this was debilitating.

The doctor comedy of errors continued. They said I had juvenile arthritis, which is a common misdiagnosis and an insane one considering how acutely this came on. She prescribed me steroids but I declined because I didn't trust her diagnosis (fun fact I learned later: steroids make Lyme worse and harder to treat). I got referred to a rheumatologist who likely would have continued down the same short-sighted path, but thanks to a modern medical miracle -- no appointments available for 6 months (!), that didn't happen either.

I was losing patience and time, so I started researching everything I could. I forced the doctor to run blood tests for everything possible, including Lyme, Rocky Mountain spotted fever, everything. She almost refused to give me the tests because "that's impossible! you've never had the bullseye and there are no ticks in California!" She even accidentally left the Lyme test off my lab sheet (??) which I only caught when I double checked the paperwork with a lab tech.

I was starting to lose hope thinking being nearly paralyzed would be the rest of my life.

And then the western blot came back positive.

48 hours on doxycycline and EVERYTHING disappeared. Over 3 months of debilitating pain, and all I needed was a pill of the most common antibiotic out there. Just wow.

I had to follow up with the CDC and an infectious disease specialist. So how did I get bit by a tick all the way in California? Turns out, I went camping near Boston a week before this all happened. I told the whole story to the infectious disease doctor (who grew up in the northern Midwest). His response?

"Classic Lyme"

Get tested for Lyme y'all. It's one of the most misdiagnosed infections out there. And if you have all the symptoms but test is negative and have been in nature, just take doxycycline. Not worth risking your life.

Comment · 2 years ago
Unless existing physicians' associations put up a fight, which they absolutely will, AI replacing the diagnosis aspect of a PCP is both probably one of the best applications of LLMs possible and one of the biggest impacts they can make for humanity.

PCPs are notorious for misdiagnoses, they're expensive, hasty, often times don't believe or listen to patients, and frequently just don't have all the data. This isn't necessarily their fault -- they're overworked and the medical industry isn't making things better -- but the reality is primariy care isn't working very well right now even in developed countries. Imagine in developing ones...

Diagnosing a patient is in many ways an expert system problem which computers are excellent at. Amassing the data from every medical textbook ever written, plus every study ever done, plus clinical conversations with patients and their medical history (the hardest part), and you have the best PCP ever made. Add a nurse to manage the physicality of it and one day connect data to the system to track lifestyle behaviors, sleep, and things people won't necessarily self-report, and you have something revolutionary. And AI is kinder and more compassionate, as the article said.

No wonder people have been trying to crack this nut for decades (albeit with minimal success). I hope the LLM revolution helps make another big round of progress.

Comment · 3 years ago
Credit Karma | Mid-level to Senior Engineer | Charlotte, NC | ONSITE

We're hiring a mid-level to senior engineer to join our exciting team at Credit Karma! We're a high-growth team responsible for some of our business-critical experiences. Stack includes Scala, TypeScript, React, Google Cloud and more.

We're flexible on skill level and have great mentorship programs, and welcome people from all backgrounds to join a collaborative, fun environment. Position is on-site in Charlotte, North Carolina so must be open to relo. Compensation is highly competitive.

Email [email protected] with a resume and a short blurb about what you're looking forward to in your next role.

Comment · 3 years ago
Comment · 3 years ago
Credit Karma | Senior Data or Software Engineer | Charlotte, NC (onsite)

We're hiring a Senior Data Engineer, or a Senior Software Engineer who likes data!

Credit Karma is the largest consumer lending marketplace in the US. We work on a ton of interesting and massive data problems, including ingestion of credit bureau and third party data for over 100 million people.

Technologies: Scala, BigQuery, Apache Spark, and more

Our team is awesome and I mean that -- exceptional pay, great work-life balance, talented coworkers, diverse team, and much more.

If you're looking for a great, long-term opportunity with a ton of growth, this is for you.

Email me if you're interested, even if you just want to learn more about the role and Credit Karma: matt.hubert @ our domain name.

This role is for Charlotte, North Carolina. Actual days in office are flexible. Generous relo packages provided.

Comment · 4 years ago
Credit Karma | Full-stack Engineers | San Francisco / Oakland, Charlotte | ONSITE

Come join Lightbox Labs! I'm hiring for our exciting new product dev team inside Credit Karma. We're a close-knit team of extremely talented full-stack engineers and product leaders who have the autonomy to build whatever will make a difference in our partners' and members' lives.

Scala, TypeScript, Python, Docker, Terraform, GCP, data pipelines, ML, AI, and more. Our platform runs machine learning models in isolated execution environments in real-time for the largest financial institutions in the world. It's pretty cool.

I'm looking for smart, helpful people who care a lot and love building products with interesting people and technology.

Credit Karma is an amazing place to work with VERY competitive compensation + benefits and an exceptional startup culture.

Trust me, you'll love working here.

Email me at matt.hubert at our domain name to chat.

No recruiters; individual applicants only.

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