Joseph Wang

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on the atlas — 35

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y to YC, open-source their product or move to SF. I get it, but I think we’re missing the real depth here. There’s pressure to work 996 (9am-9pm, 6 days a
anhtho 🍊 on X: "5 years of founder grind" / X
A lot of founders ask me whether they should apply to YC, open-source their product or move to SF. I get it, but I think we’re missing the real depth here.
anhtho 🍊 on X: "5 years of founder grind" / X
niversity of Helsinki, told me she was “a little bit shocked” when she started mapping Finnish adults’ relationships for a 2012 study, investigating whom subjects felt close to and how they interacted day to day. Subjects who lived with a romanti
The Case for Love-Life Balance - The Atlantic
Perhaps a second-chance relationship actually is a sort of time machine—but the secret is to set the dial not to the past, but to the future. To return to old love might be wonderful. Even better is to walk out of the machine into a new world, to find your partner and yourself both transformed and fundamentally the same, and to know, having lost each other before, that you wouldn’t want to time travel with anyone else.
What Second-Chance Couples Know About Love - The Atlantic
—that complex physical and emotional pull—matters. Fisher believes that if someone fits your “love map,” the list of conscious and unconscious things you’re looking for in a partner, then there’s a good chance they’ll continue to, regardless of bumps in the road.
What Second-Chance Couples Know About Love - The Atlantic
For the next week, they decided, let’s see each other as perfect. It was just a casual exercise, but it shifted their mindset; they started giving each other the benefit of the doubt, avoiding what Bruce called “an escalation of misunderstandings.”
What Second-Chance Couples Know About Love - The Atlantic
he couples had built walls between themselves and everyone else. And the subjects outside couples’ fortresses were left there when the drawbridge pulled up.
The Case for Love-Life Balance - The Atlantic
Kuurne believes that many people, if only subconsciously, think of intimacy as exclusive by definition; a romantic relationship is special because it’s prioritized more than anything else. Finding a better love-life balance in the everyday would mean creating what she calls “inclusive intimacy”; it would mean imagining a world in which the things that give life meaning don’t need to be placed in such a strict hierarchy. That’s not a task that can be fully achieved by any one couple, but there are steps toward love-life balance that everyone can take.
The Case for Love-Life Balance - The Atlantic
long hours and little flexibility. The iss
The Case for Love-Life Balance - The Atlantic
It can be appealing—and illuminating—to see different facets of your partner come out with different people. If you spend the bulk of your time alone with your partner, you might not be understanding them fully; you might also feel your own personality isn’t being fully expressed.
The Case for Love-Life Balance - The Atlantic
but given that partners won’t always have the same interests, autonomy eventually requires some independence.
The Case for Love-Life Balance - The Atlantic
Historically, Marino said, “the we was created when women’s wills were made subservient to men’s.”
The Case for Love-Life Balance - The Atlantic
You might really feel like a “we” more than a “you” and “me.”
The Case for Love-Life Balance - The Atlantic
Not only can your relationships with others suffer when you’re too focused on your partner; so can your relationship with yourself. Some researchers refer to this as a lack of “self-differentiation,” or a clear sense of who you are. More “differentiated” partners can support one another without losing sight of their own desires. But if you’re not doing the activities you would do, seeing the people you would see, or pursuing the goals that you would if you were single,
The Case for Love-Life Balance - The Atlantic
Studies indicate that married people are, on average, less connected to their friends, siblings, parents, and neighbors than single people are. That lack of connection can leave them vulnerable, Karney told me, particularly if they end up needing help: if they have a baby, for instance, or if one partner loses a job or gets sick. No couple can do everything on their own.
The Case for Love-Life Balance - The Atlantic
Governor Hochul also announced a plan to build up to 15,000 new units of housing on State-owned land, strengthen the Pro-Housing Communities program across the state, and combat discrimination against low-income New Yorkers and affordable housing providers.
Housing Affordability Issues in New York City
40 million for the Homeowner Protection Program to fund nonprofit housing counseling and legal services organizations to help homeowners in default and foreclosure
Housing Affordability Issues in New York City
$50 million for a Homeowner Stabilization Fund to finance home repairs in 10 low-income and distressed
Housing Affordability Issues in New York City
$50 million for tenant legal services
Housing Affordability Issues in New York City
The program also introduced the “City of Yes for Housing Opportunity” in August 2023. This initiative, under the Universal Affordability Preference, allows buildings to add 20% more housing if designed specifically for affordability. The goal is to create 100,000 new homes in 15 years by lifting zoning restrictions. The formal public review process is set to begin in Spring 2024.
Housing Affordability Issues in New York City
et Stuff Built” program in December 2022, aiming to build a “moonshot” goal of 500,000 homes over the next decade. Thi
Housing Affordability Issues in New York City
The cost of living in specifically Manhattan is 74% higher than the state average, and 127% higher than the national average, and Manhattan’s housing is 384%more expensive than the national average.
Housing Affordability Issues in New York City
In New York State, the cost of living is 30% higher and the housing market is 78% higher than the national average.
Housing Affordability Issues in New York City
What is Affordable Housing? Housing is considered “affordable” when a household spends no more than 1/3 of its income on rent and utilities. Affordable housing is usually achieved through a combination of below - market loans, subsidies, and tax incentives offered in exchange for a set of affordability terms written into a regulatory agreement for a set period of years, usually no less than 30, and sometimes permanent. Affordable housing is not : ▪ Public housing, although public housing is a source of affordable housing ▪ Section 8 vouchers, although Section 8 vouchers can be used in coordina…
mwbe-rfp-trainig-intro-to-affordable-housing.pdf
Poor residents can benefit from rent control, but so can higher-income households, especially in the absence of income targeting—as is the case in New York City, where a renter’s offspring can inherit a rent-controlled apartment regardless of income
Rent Control Does Not Make Housing More Affordable | Manhattan Institute
ESUSU can dramatically lower the cost-of-capital for a renter who becomes a homeowner.
Innovative Solutions for the Housing Crisis
Till, located in Alexandria, Virginia, has established a platform that transforms a renter’s ability to pay, stay, and thrive in their home by using real-time data to develop payment solutions to address their needs.
Innovative Solutions for the Housing Crisis
ut licensed to operate in all 50 states, partners with building owners and managers to offer low-cost insurance as
Innovative Solutions for the Housing Crisis
reative Finance to Allow More People to Qualify for a Mortgage and Buy a Home, and to Provide More Affordable Rental Housing
Innovative Solutions for the Housing Crisis
one of the key policy levers is to reduce or remove regulatory barriers to building new homes and apartments.
Innovative Solutions for the Housing Crisis
“We have 25 to 30 percent, maybe even 35 percent, unemployment in public housing neighborhoods,” says Bishop Mitchell Taylor, CEO of Urban Upbound, a nonprofit that supports New Yorkers living in public housing. “We have to rethink how we to get those folks back to work. Business development and entrepreneurship is one of the key areas to focus on.”
New York’s Untapped Entrepreneurship Opportunity | Center for an Urban Future (CUF)
The five boroughs are home to approximately 25,000 limited equity co-ops, according to HPD, where residents are shareholders in the cooperative that owns the building and where profits from unit sales are limited to keep them affordable. Another 60,000 Mitchell-Lama apartments remain in the city across 85 developments, though tens of thousands of affordable Mitchell-Lama homes have been converted to private-market units over the years.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
The city’s Department of Housing, Preservation and Development (HPD) said it has, to date, financed 1,200 apartments on Community Land Trusts (CLTs), in which a nonprofit trust retains ownership of the land on which a property is located, allowing the homes themselves to be owned or leased more affordably by residents, who usually also play a role in running the trust.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
New York City is already home to several types of social housing, though that footprint has shrunk over the years. Examples include public housing at NYCHA, nonprofit rentals or supportive housing—affordable units paired with services like mental health counseling, though demand for such apartments greatly outstrips supply.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
“Homeownership used to be a part of our story. But these days, it feels closer to a pipe dream,” Adams said.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
pointing to historical inequities like redlining that long cut communities of color off from home ownership and the building of generational wealth.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
rents have hit historic highs in recent months, the homeless population has spiked and the number of apartments available for low-income tenants last year hit a decades-long low
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
Mayor Eric Adams’ proposed “moonshot” goal of building 500,000 new homes across the five boroughs over the next decade.
Social Housing in the Spotlight: NYC Lawmakers Seek 'Paradigm Shift' in Tackling Affordability Crisis
This “missing middle” in the new multi-family housing market is less reflective of consumer preferences than of the strict, single-family zoning prevailing in many municipalities across the state.
How to solve New York City’s affordable housing problem
Our problem lies on the supply-side
How to solve New York City’s affordable housing problem
The Empire State already has far more public and subsidized housing than any other state. As of 2021, according to federal Department of Housing and Urban Development (HUD) estimates, New York had 591,065 units of publicly “assisted housing,” or three units for every 100 state residents, which is double the national average relative to population and by far the most of any state.
How to solve New York City’s affordable housing problem
Reflecting on his competitive strategy, he quoted General George S. Patton: “No bastard ever won a war by dying for his country. He won it by making the other poor dumb bastard die for his country.”
What Sort of a Business is Investment Banking?
Deutsche Bank has a specific portfolio of interest rate derivatives, for example, whose average life is eight years. Unlike a simple agency broking model, full-scale risk intermediation requires banks to carry a large balance sheet.
What Sort of a Business is Investment Banking?
(from Maya crude in the case of the Mexican government to jet fuel in the case of the airlines).
What Sort of a Business is Investment Banking?
They source risk, by seeking investment opportunities for clients. Credit Suisse did this badly when it packaged Greensill loans into an investment fund for clients.
What Sort of a Business is Investment Banking?
They take risk, like
What Sort of a Business is Investment Banking?
Meanwhile, SpaceX generated $375 million in free cash flow in the third quarter of 2023, according to a source. That’s compared to burning through $200 million in the third quarter of 2022. One source pegged SpaceX’s free cashflow for 2023 above $500 million. SpaceX finalized a tender offer that valued the company at about $180 billion in December, two sources said. The tender offer totaled about $750 million, according to one of the sources.
SOURCES: Stripe & SpaceX Are Buying Back Their Own Shares
In the first quarter Stripe burned $108 million, a source tells me. In the second quarter, it generated $295 million in positive free cash flow. And in the third quarter, Stripe generated $390 million in free cash flow.
SOURCES: Stripe & SpaceX Are Buying Back Their Own Shares
It gets free users to think of not just one plan up - but two. For those free users who you don’t get to the ‘most popular plan,’ you get more to the cheapest paid plan.
Ultimate Guide: Pricing Pages - by Aakash Gupta
This four-part structure (selector - hero - table - FAQs) is the one that I’ve seen work most effectively for multi-product companies.
Ultimate Guide: Pricing Pages - by Aakash Gupta