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simonswords82

3,273 karma · joined July 27, 2010

I start, grow, and have software businesses. If you think I can help you or you just want to chat about the business of startups (especially fintechs) email me on simonswords@gmail.com.

My mainstay was Fundipedia https://www.fundipedia.com. We solved data problems for the financial services industry - asset managers to be precise like HSBC, LGIM, Barclays.

I sold Fundipedia in May 2025 and another SaaS business prior, and now spend my time looking for like minded people who love fresh ideas.

Connect with me on Linked In: https://linkedin.com/in/simonswords/

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simonswords82··on There was nothing “wasted” about my youth spent clubbing on ecstasy (2021)
I've heard it called "Suicide Tuesday" or perhaps "Suicide Wednesday" in your case
simonswords82··on Finding Fulfillment
Such a great article. Thanks for posting.

The Trap: Skill + Need - Joy resonated deeply and I'm going to do something to get the Joy back to +Joy this year.

simonswords82··on Are super-rich people just better at making money?
I'm not saying I agree or disagree with this stance but at a practical level it's interesting to think about.

Let's say life is a computer game, and once you max out at $1bn in earned wealth (presumably this includes liquid and illiquid assets such as properties, cars etc), you cannot accumulate more wealth.

How does a government enforce this stance? You cannot stop say Bill Gates shorting Tesla and earning millions from the trade, can you?

Can you stop a landlord renting out their properties to block further income from them?

What about interest generated from bonds or savings accounts?

Do you simply tax the shit out of people if they have over £1bn in wealth?

The big challenge I see for all of this is that rich people have the best (and most expensive) accountants/lawyers money can buy. If you try to tax the shit out of them, their accountants and lawyers will find a way around it.

Also, if one government is too heavy handed, they'll just move assets to another more lenient government.

simonswords82··on ‘My power’s low’: NASA’s Insight Mars lander prepares to sign off
Interesting thread on why it's not possible for the solar panels to be self cleaned: https://twitter.com/NASAInSight/status/1590736220199735296?c...
simonswords82··on Ask HN: Programs that saved you 100 hours? (2022 edition)
Workflowy for task management.

Made me more efficient, must have net saved me 100 hours.

simonswords82··on Twitter policy page forbidding links to other social media removed
I’d suggest that certain persons have benefited for sure but that doesn’t make the case that Twitter et al have been a net positive for humanity.

My personal view is that they have not been a net positive for humanity and have created a generation of young people with more mental health issues and less attention span amongst other issues.

simonswords82··on Ask HN: What is the best income stream you have created till date?
Active income

Fundipedia.com

Totally niche product

Enterprise revenue

simonswords82··on Can Duolingo actually teach you Spanish?
Wouldn't it be good if Duelingo hooked you up with native language speakers so you could try to strike up conversations in text and voice?

It's great to learn words, phrases and so on in isolation but actual conversations in a new language are where the real learning happens. You've got to be on the ball

simonswords82··on Sperm counts worldwide are plummeting faster than we thought
Is this not a net positive thing given that the world just hit 8bn people and is clearly overpopulated?
simonswords82··on Hi, hello, I’m back at it
Is this guy famous purely for his blog? Have not heard of him before today. Cool blog though
simonswords82··on UK ditches ban on 'legal but harmful' online content
ClusterFuc? ClusterFuk?
simonswords82··on Ask HN: How's the job hunt going? (For those laid off)
Billion/Shmillion - you're right though. Amazing it's still a rounding error to Elon...for now.
simonswords82··on The Exceptionally American Problem of Rising Roadway Deaths
Which is surely by design. People who are just about able to keep their heads above water and in fear of a huge medical bill (or any bill for that matter) will literally work like their lives depend on it...because it does.
simonswords82··on Startup Restructuring 101
Started my business with £20k of credit card debt. Would have sucked had it not worked out. Was a huge sigh of relief the day I was able to pay it off.
simonswords82··on The Exceptionally American Problem of Rising Roadway Deaths
Whilst the message is quite blunt this subreddit does a good job of highlighting just how much of our world's urban planning and infrastructure is built around cars:

https://www.reddit.com/r/fuckcars

Until I stumbled across this it had not occurred to me how much people (and walking) are placed second to cars and infrastructure. Surely this needs to change going forward.

simonswords82··on Startup Restructuring 101
For sure most fund raises are on the basis of hockey stick go big or go home. It’s a moonshot and if you get stuck in orbit and cannot escape the pull of gravity you’ll burn fuel until you re enter the atmosphere…usually breaking up in the process.

At which point your business might be sold at garage sale prices. Or restructured with the C suite removed in the process. It’s just brutal.

We bootstrapped over 15 years (not a typo) and for sure can survive the next two years without issue which I’m very thankful for.

I love your idea of trying to find a balance but investors will need to be much more patient than they have been historically. Most won’t wait a year or two for return which means they are fantastically short sighted.

simonswords82··on Startup Restructuring 101
Anecdotal data but..

Was at a party with an acquaintance a week ago who said they need more money by February or they’re dead. Series A but still not profitable.

From the outside looking in they have nearly 100 employees, PMF, great marketing and appear to be crushing it. So it was sobering to hear the reality.

I asked what the plan B is if money is not forthcoming and he looked at me like I was asking a stupid question. I think the guy running it has been in this situation previously and do or die mentality is there. However as many people are saying this downturn feels different, deeper and more prolonged.

I will be watching their progress with great interest from February and use their ability to weather this storm as a yardstick albeit acknowledging it’s just one data point.

Bootstrapped companies that are profitable and sustainable will be rejoicing at the moment for sure.

simonswords82··on Ask HN: How's the job hunt going? (For those laid off)
I don't like Elon either but am happy he's blown $44m on a side project that it looks like is going to fail
simonswords82··on TikTok’s stratospheric rise: An oral history
Genuinely surprised to see a +1 for an app that is so riddled with security and geopolitical nastiness. Not to mention how awful this app is for young people's mental health.

>I know there are a lot of naysayers for good and bad reasons but if you are on the fence you should give it a try and it will likely become one of your favorite online spaces to spend time.

Really?

simonswords82··on At Xamarin I left every day at 5pm
Only three weeks a year? My team have at least five and usually more. Are you in America?
simonswords82··on Twitter’s mass layoffs have begun
*lose
simonswords82··on Ask HN: How to deal with burnout and its consequences?
I agree that it would be foolish not to take their advice, however...

One data point from me - ADHD medication (Elvanse specifically) has some gnarly side effects which meant my wife had a very rough time with it. I won't go in to detail other than to say we nearly ended up in the A&E a couple of times. By all means try medication but be prepared to switch to another or abandon it altogether if the side effects are overwhelming. Listen to your body.

simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
Curious - why would you pay for it?
simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
But what is the point of the blue checkmark? How does having it benefit a luxury brand? Am I missing something here?
simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
For there to be an exodus of talent there must be first be talent.

From what I can make out Twitter's workforce are predominantly average at best and I suspect we'll see at least 2,000 or so people cut in the next 6 months.

simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
True but as with all tech companies at the moment Twitter is also going to feel the pinch and they don't have the business size to wear it as well as the others.
simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
1. allow people to pay for a blue check to be verified

> Nobody is going to pay for something that is no longer a status symbol because it can simply be bought

2. make "twitter blue" actually valuable (e.g. detailed analytics on your followers, tools for composing threads, actually monetizing revue)

> Or just give people these metrics because if they care about them they probably care about creating quality and engaging content and seeing how well it performs.

3. payments

> Perhaps - but for what? I don't see myself going to Twitter, let alone to find something to buy and then pay for it using Twitter-dollars or whatever they dream up.

simonswords82··on Tesla engineers were on-site to evaluate the Twitter staff’s code, workers said
The last thing we all need is another Twitter clone...no matter how well intentioned.
simonswords82··on Apple Reports Fourth Quarter Results
I was using the MacBook Air in 2013 and was impressed with its reliability. Prior to that I'd been on Dell XPS laptops.

The MacBook Air M1 is just another level of solidarity and speed and battery life.

It just works.

So long as Apple continues on their existing pathway I'll forgive them pretty much anything.

simonswords82··on Liz Truss resigns as UK prime minister
Over a long enough period of time it swings back and forth and the divide is somewhere near the middle.

However, the right leaning Conservatives have fucked up everything for such a long amount of time starting with Brexit it's pretty much guaranteed that left leaning Labour will win the next election in two years.

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