Ruriko: So when do we register with Chicago?
Me: We don’t.
R: So how does Chicago know everyone who lives in Chicago?
Me: It doesn’t.
R: … Does America have a government? How do you even do population statistics?!
Me: Count every ten years.
R: You ARE TROLLING ME.
The last few minutes have been her working through the implications for every benefits program administered locally, with increasing levels of horror.
Ruriko: Wait you mean Chicago Public Schools literally does not know Liam and Lillian exist unless we tell them that.
Me: Yep.
Ruriko: So there’s no form to tell them that we are putting our children in private school?
Me: No form.
Ruriko: So if a child is just not enrolled they…
Me: Hopefully are seen by truant officers who will eventually cause someone to ask about the circumstances.
Ruriko: TROLLING.
Ruriko: Next you’re going to tell me the national government doesn’t have a record of everyone who lives here.
Me: In practice it does but in principle it does not.
R: WHAT.
Me: It is considered politically unpalatable to create a list of all citizens and/or immigrants.
R: WHY.
Me: … So that is why we backdoor the problem with a combination of Social Security records and privately maintained credit databases.
Ruriko: STOP STOP STOP.
Ruriko: But if city hall doesn’t have a record of us living how will your employer be able to identify you to them to pay taxes for your account.
Me: They don’t keep accounts that way. Employers don’t do taxes, though they will do withholding. We will self-file and then if…
Ruriko: … Is our marriage even legal here?!?
Me: Yes.
R: Where did you register it if not city hall?!
Me: Nowhere.
R: Then how does America know we’re married?!
Me: When relevant, we say so, and they say “OK then you’re married.”
R: WHAT.
Me: Doctrine of comity.
Ruriko: So if we got married here we would have… a piece of paper.
Me: Yes it’s called a marriage license or somesuch.
R: We are unlicensed.
Me: Yes but only in a very technical sense.
R: Can we get a license?
Me: No.
R: What.
Me: People w/ existing marriage can’t get married.
Ruriko: What if I have to demonstrate the fact of the marriage somehow?
Me: Well there’s a boring technical answer involving apostilles to authenticate a series of records which would allow an American judicial process to recognize Japanese records but in practice…
Me: … everyone just takes your word for it.
Ruriko: … You are dealing with all of this American nonsense.
Me: Had a feeling I would be.
Ruriko: … How do you do health insurance?
Me: Hah funny you should ask. Let’s have that conversation when you’re calm and sitting down.
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A word to the wise. Don't invent a fictitious entity and attempt to open a bank account for it. The laws for bank fraud are drafted *broadly.*
But if you must, then don't do it while arguing for an expansion of the Bank Secrecy Act regime, because the existing BSA regime already orders your bank to inform on you.
But if you must, then don't do it while engaging in organized pressure campaign against firms with strong recordkeeping culture and an institutional desire to please government.
Term life is a commodity product. Premium never changes after you lock in the term. Many people reading this will pay tens or low hundreds of dollars per million in coverage.
Next up at MicroConf: @robwalling on How to use AI in SaaS.
This has been something of an undercurrent in a lot of conversations here. Lots of unease and anxiety about it, and IMHO a bit overblown w/r/t impact on SaaS specifically.
With that, Rob:
Rob did informal survey of a few hundred TinySeed companies (he runs a VC/accelerator which invests in many bootstrapped-adjacent software companies) to see how its actually getting deployed in production.
Taxonomy: six-ish ways that companies actually metabolizing it.
AI as product: Difficult for bootstrappers to keep up with the labs on LLM/etc development. Very, very tractable to make something downstream of the labs.
A common model I have is that, like many people, I have some finite amount of consequential decisions I can make a day. This is sometimes a frustration for my wife, who wants me to spend a decision on e.g. “What color should we make…”
There are some classes of non-domestic decisions which still seem to take a slot, and where there are theoretically wrong answers, but where any plausible answer is fine.
I love having LLMs available for this.
Example from earlier: “Should we use X medication for symptom management of a minor recurring condition, or should we escalate to a medial professional for a recommendation?”
I probably could have Googled to kick off a research process, but that’s -1 for the day.
Also helps in the intermediate stages when you're dealing with accountant questions which might be, how do I say this nicely, "I thought I was hiring you to give me answers in this domain." Much higher bandwidth than multiple messages in an email thread at tax time.
"Why is he asking this?"
"Presumably he is attempting to qualify whether you have specified foreign financial assets."
"What does he really need to know?"
"Is the Tokyo condo held directly or in an LLC/etc"
"Held directly."
"OK so no you don't have those assets."
"Find authority"
Often people in our social class are worried about sounding elitist, and I understand that, but there's some perversity in being an elite and not being able to confess to that fact. The PMC is an elite class in the US political system.
Class membership is defined by being able to pass brutal intelligence and diligence filters. It is not simply "tests well", but you basically have to eat the PSAT for breakfast.
We all had classmates who did not eat the PSAT for breakfast.