philco

Skate to where the puck is going

hahah totally!

Unfortunately, you backyard flock is not protected. It's airborne, is suspected to be infectious up to 5km between farm sites, and also can be contracted via fomite transmission. I hate to be the bearer of bad news, but your birds will likely get infected at some point in the coming 18 months, or sooner, and can be a real attack vector for something nasty for you and your family. The latest mutation across herds in Nevada/Canada both in birds and cows has a real nasty adaptation (D1.1) which has a suspected mortality rate in humans around 50%. Several hospitalizations in humans related to this specific mutation, acquired by individuals dealing with backyard flocks. The logic that your backyard flock mesh is sufficient to protect the flock and you from this pretty nasty bug isn't supported by the evidence we're seeing pan out across the country/world.

Another worrisome attack vector is cats, but that's a whole other pandoras box we'll leave alone for now.

To get an idea of how transmissible/infectious this thing is, it has jumped from birds in Asia, to dolphins in florida, and has eradicated entire populations of seals in latin america, cows, cats, ferrets, rats globally, to almost all bird populations in Antarctica. There is no species / geographic radius that will likely to unaffected. The death rate in each species may vary considerably (cows in US as an example, don't seem to die in great numbers), but it is highly transmissible even between species.

I'm sorry these aren't the best sources, but I'm in a rush and wanted to help you get an idea of what we're dealign with here in the context of your backyard flock, specifically. If you keep digging in all of the themes above you'll find even better sources:

https://www.usnews.com/news/health-news/articles/2025-02-20/...

https://scar.org/library-data/avian-flu

https://www.cdc.gov/media/releases/2024/m1218-h5n1-flu.html

https://www.nature.com/articles/s42003-024-06173-x

https://www.nature.com/articles/s42003-024-06173-x

https://www.vetmed.ucdavis.edu/news/catastrophic-mortality-e...

This feels like an insane proposition to me, I'll explain:

1. Soaring egg prices are due to culling + deaths related to the proliferation of H5N1 (Avian Flu).

2. The reason we have been proactively culling is to minimize spread AND MOST IMPORTANTLY, to minimize the number of exposures H5N1 could have to Humans.

3. The reason we want to minimize exposure between chickens and humans is because each exposure of an infected chicken to a human is an opportunity for the virus to jump host, and adapt to better transmit amongst humans. The mutation (mammalian adaptation of the virus) can happen in the chicken before it jumps to a passing by human, or in the human once infected with the virus.

We are only a few minor adaptations away from this thing being BOTH extremely deadly AND extremely transmissible between humans. Worst case scenario. The latest strands found in Canada and now Nevada are extremely deadly, and just need the Human to Human adaptation. With enough at bats, it will have it.

The idea of dramatically increasing the number of humans exposed to sick flocks by having people start their own backyard chicken coops feels suicidal, for humanity.

The latest hospitalized patient in Georgia was exposed through a backyard flock, by the way.

rapjr9 - I commend you for using your talents to help the world instead of hurting it. From one human to another, thank you.

Very interesting.

Charlie Munger just passed away. Created a ChatGPT founded on his writings over the years. He recently commented on AI saying "I think old-fashioned intelligence works pretty well." Well, Charlie, here's an AI that hopefully lets your brilliant traditional intelligence live on.

I might be wrong, but most of these programs have partner banks, which take part of the revenue for themselves. I think it's more likely they make Fed Funds minus some take rate from the bank, so maybe Fed Funds - 0.50bps. Point still stands, but I don't think they're making 3.75-4%. Wealthfront is passing through 3.30%, so likely only making 0.25bps on that cash.

Whaaaattt, whoa. Wouldn't that cause the temperature in the food in the freezer to heat cycle, causing very no bueno bacterial consequences?

If you work for the USPS in California, you have a 1.23% chance of being attacked by a dog. This doesn’t adjust for repeat dog incidents, nor whther You have a desk job or are in the field. Likely much higher for mail carriers in the field which is nuts

This is going to continue blowing up the cyber insurance insurance market for startups.

Has nothing to do with the payment platform you chose is my best guess. Has to do with what you were paying to send ad traffic to, and possible misrepresentation of facts on that page. Were you testing landing pages for concepts where you didn't include terms of use, privacy policies or misrepresented the state of your product?

That would be my best guess.

hmm...just trying to build some self awareness in this community around how easy it is to hate on MBA's as a group. We're soooo allergic to that type of rhetoric when it's anyone else, but not at all when it comes to the "business" or "MBA" side of the house.

Imagine the phrase "Fuck Your Engineering Bullshit" was used instead - I'm pretty sure there'd be a lynching.

She's not an MBA...?

We use Anima at Novi! Great product :) Love the transitions beta.

FI(RE) is great - Happy to hear you found something that works with your mental model and you can follow. So many of us don't yet!

Having a mission and sticking to it is something I relate to in a big way. I hear you on the InMail ban.

Do you think you'll eventually start building mentor networks?

Love the animated logo.

How are you acquiring user reviews? Paid traffic? Looks like you've got a good amount of views and content already!

haha, maybe that'll be the first screening test you can put on someone's profile.

I've been a fan of Upwork having tests for freelancers and then publishing their score on their profiles. You should also check out Harj Taggar's company, TripleByte - he was super involved in YC back in the day. (He may still be, but not sure!)

Love the name!

I read somewhere that depending on how they access the video on the application portal, it may or may not count as a view. So no sweat on views! Goodluck!

The definition varies depending on your age. A financially independent 25 year old is very different than a financially independent 85 year old. Generally speaking, here's how we think about it:

1) Full Emergency Funds - Ability to cover life's unexpected twists. (40% of Americans owe collectors money for times they were sick).

2) Not swimming backwards - A manageable debt profile that has no high interest debt.

3) Ability to retire at a "reasonable" age - Not all of us will be able to stop working at 67, but all of us should be able to retire and cover all of our retirement expenses before our bodies give out.

Ok, We'll start :) We're building the world's first bank that is a true fiduciary. Our mission is to enable the 70% of Americans who have less than 5k in savings, and the 76% who can't pass a financial literacy exam achieve financial independence.

How?

We only offer one product - a smart checking account that acts as a financial advisor + planner. (Think of your finances on autopilot).

For every other product or financial service, we refer you to the best in class offerings by other companies.

Need a loan? We'll find a new loan at the cheapest terms possible, or automatically look for refinancing opportunities as your financial condition improves. Need to plan for retirement? We'll find the best retirement service providers that suit your needs.

Check us out on fixbanking.com.

Goodluck everyone!

The good ones subscribe to Modern Portfolio Theory and don’t tell you stock market returns are much higher than 6%. The bad ones try to sell high fee advisory with a marketing ploy of getting you “alpha” (outsized returns). It’s just a way to take 1-2% of your capital for doing nothing.

Villi Iltchev @ August Capital just posted on twitter:

"Over the past year I have had several seed investors tell me "I can't tell you to do this deal. I would not do it."

"They lost me as an investor, but the trust and goodwill they created enormous. You would do anything for people that care about you."

FinBot - a free chat bot that answers the question "what should I do with my money" after a few questions. It'll tell you how much of your paycheck to allocate to your emergency fund, loans, IRA, 401k, and investments.

http://www.yourfinbot.com

How's this different than the drop? Is this just a ripoff (name and all)?

Homerun team. I'd love for everything I buy in the future to be direct to consumer goods.

Love how hypothesis testing is spreading like wildfire. Books are products, too.

Really love this idea, hope some of what we did is useful to someone!

Worked in VC twice, and at two startups...wrote out my pitch deck logic here:

http://philipcortes.com/philcosblog/2013/6/4/your-first-pitc...

The original deck (referenced in the post above) can be found here:

http://www.slideshare.net/philco11/meeteor-pitch-deck-v73