An underrated skill in basically every field is knowing how to structure a Google query such that you get actually responsive information.
Somebody had a query about conforming mortgages that they were having difficulty conclusively Googling and I, a talented amateur on this topic, resolved it in two seconds because I know the right answer is "fannie mae sellers guide $TOPIC"
There's a related skill, much beloved of Dangerous Professionals, in knowing how to navigate the constellation of sites/providers/etc relevant to a particular topic.
e.g. You can put character points into getting good at irs.gov
(If that tweet didn't make sense, it might have hidden "irs.gov" at the end of it.)
"Put character points into..." is gamer for "Make an expenditure of effort to get an enduring increase in your ability to succeed at a large range of challenges life presents."
If you're good at it, it will take you no more than 30 seconds to copy/paste a paragraph of authority to substantiate "A company which provides meals to employees may deduct them" w/ two provisos.
Those provisos are material and, if you don't have them memorized, good to be able to quickly locate them versus trying to reason about this subject from first principles and guess what the regulation actually says.
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A thing I've been expecting to come to the U.S. en masse in coming years is niche banks. An example I have previously used is "There should be a bank for Beyonce fans."
You know what *obviously* must exist? A bank that speaks Spanish. Launched today:
When I heard @TrevMcKendrick was building this I offered to invest on the spot, and am now a tiny angel (or is that ángel) in it.
Heavily informed by my experience of being an immigrant dealing with a banking system, which longtime readers know doesn't quiiiiiite get me.
Most U.S. banks don't quiiiiiite get many millions of Americans. They can't easily open an account for someone without a SSN. They think that international money movement is an obscure need for retail customers.
It’s always interesting seeing U.S. companies try to import bento culture (variety in lunches through a choice of a large number of pre made SKUs) and Japanese companies trying to import a culture/business model of per-order customization.
This is one of those “Hidden facts about infrastructure percolating up into the experience of everyday life” anecdotes, by the way.
A huge amount of what people like about Japanese food culture is actually something they like on market organization for food prep labor.
Bento work at e.g. convenience stores because there is a value chain connecting commissaries (commercial kitchens) with huge standing daily demand for bento boxes at widespread locations close to end user.
Commissaries do prep, ingredient sourcing, and collaborative menu design.
There’s a really interesting UX in PayPay that they trialed recently to get people to increase engagement.
It’s similar to a lootbox, except themed for a non-gamer audience using a familiar device in Japan. (くじ, analogous to a raffle lottery if you’re familiar with those.)
You were awarded tickets for various actions during a qualification period. Receive money from someone, 2.0 tickets. Open campaign page and click a button, 1 ticket (offered daily, presumably to get people to anticipate the later redemption period and get over toothbrush test).
Then after qualification period you had 2 weeks to redeem tickets, in a very lootbox/gotcha adjacent animated experience where you could e.g. redeem 10 at a time.
Value in expectation per ticket appears to be a bit higher than 1 JPY.
Spotted at a Japanese burger chain: this Americana aesthetic is a recurringly on-trend thing in Tokyo, so much that there is an entire economy of stores which sell Americans (some authentic imports, some Chinese modern replicas) so you can have it at your shop/cafe/home.
Partly interesting me for the usual reason that globalization is interesting.
Partly interesting because of what the appeal is. 40+ years ago foreign observers said that it was just imitation by an upcoming economy, but that clearly cannot explain enduring appeal in new contexts
I think it’s that this reflects an optimism and energy that (certain segments of) Japan projects onto America, which ironically (certain segments of) America largely doesn’t believe about itself anymore.
Since my reward for successfully shipping a newsletter is more game time, I'd recommend Pathfinder: Wrath of the Righteous to anyone who wants that classic D&D experience of having a sadistic DM destroy your hopes and dreams while the rest of your party are absolute lunatics.
It's a follow-on to Owlcat's earlier Pathfinder game (Kingmaker) and ditches the worst system from that game (kingdom management) in favor of a mechanic I haven't experienced yet.
I haven't experienced it yet because this continues a fond tradition from the earlier entry:
(No spoilers.)
There is a set-piece fight relatively early in the game. It is a mechanically demanding, story-driven, tactically brutal fight, particularly if you're going for achievements or on a higher difficulty.
It also functions as a progress check for the party.
Polite disagree here; it’s something of the norm in high trust societies (and in high status institutions) to believe factual representations from candidates / employees.
And when you meet someone who both a) speaks lingo and b) has tolerance for fraud…
(I am somewhat despondent that you could, with less effort than it takes to max out a WoW character, get good enough at “the lingo” to pass through interviews at a *lot* of high status places. And indeed, one reason hiring practices are incestuous is to reduce likelihood of this)
See also: failing up, which was one of the discoveries of my adult life most injurious to my cosmic sense of justice.
Combines with something shown in this case too, incidentally: comity plus transaction costs mean that the malfeasant/incompetent actor keeps the gains.