Liuke Yang

@ReganCoda Edward Jones serves lots of rural / small town business owners with investments well north of $10mm

Apparently Edward Jones recently launched a private client service group for people with over $10mm in assets. I would love to see the Venn diagram of people with that kind of money who choose Edward Jones as their wealth manager.

@zachperret @Plaid Robinhood UTMAs

Which banks, data elements, or account types would you most like to see @Plaid add or improve?

$QFIN trading at 2x PE and throwing off 8% dividend yield. they've risk managed well despite headwinds.

$CHYM easter egg

"Actually, the highest the largest GDP Latin country in the world is the US. It's actually not really Mexico." 13:30 youtube.com/watch?v=QhTOEv… $NU

$NU international.nubank.com.br/company/nu-sec…

Finance is cool.

70% of Cash App borrowers have FICO <580 but maintain 97% repayment rates... Cash App testing real-time credit scores $XYZ $FICO cash.app/press/cash-app…

Sources: time.com/collections/wo… and time.com/collections/wo…

Jobs: "If you keep your eye on the profit, you’re going to skimp on the product. But if you focus on making really great products, then the profits will follow." $CHYM

Source: gsb.stanford.edu/faculty-resear…

$HBAN and $LOB

Thanks for the thought-provoking piece. My main critique is that you are overemphasizing flashy but low probability events like “left-handed bacteria,” while merely giving lip service to the risk of extreme economic concentration of power, which is very real and materializing as we speak. Anthropic is reportedly raising funds at a $350B valuation, and the wealth created thus far has been concentrated into a few hundred (perhaps more like dozens) high net worth individuals / institutions. It’s looking increasingly likely to me that none of the leading AI labs will IPO until they reach valuations in the trillions, at which point retail investors will finally be able to get shares. In order for retail to get a 100x return on these investments, which was achievable for Apple, Microsoft, Amazon, and Google, the valuations of the AI labs will need to reach hundreds of trillions of dollars, meaning it’s likely too late for a more equitable redistribution of wealth. Simply put, you are currently exacerbating the problem. The consequences of this are that voters may take matters into their own hands and push for either or both 1) more aggressive / nonsensical forms of redistribution — the CA Founders’ Tax is just the beginning or 2) a drastic knee-capping of the AI industry in America, which make the CCP dominance scenario more likely. The solution is to enable retail ownership now, increasing the number of Americans with economic exposure to Anthropic and other AI labs from hundreds of people to millions.

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$BAP

Can you read 900 words per minute? Try it.

live the life natural to you.

credit utilization is 30% of the overall credit score. this is really just a matter of how small can you make your numerator (credit use) and how big can you make your denominator (credit limit). without access to more credit, you're essentially stuck.