与「debt」相关的搜索结果

Researchers proved AI has deleted every reason universities exist. Harvard University ran a controlled experiment pitting a custom AI against their own top-tier classrooms. And the results are going to collapse the higher education bubble. They took 194 undergraduates and split them up. One group learned physics in one of Harvard’s best hands-on, active-learning physical classrooms. Group work. Instructor support. The premium university experience. The other group went home and learned the exact same material with an AI tutor. The AI didn't just win. It embarrassed the institution. Students using the AI learned more than twice as much as the students in the elite Harvard classroom. They scored 30% higher on the final assessment. And they did it in less time. Let that sink in. A piece of software sitting on a laptop outperformed a world-class faculty in one of the most elite learning environments on Earth. Universities have always justified their exorbitant tuition with two things: access to elite knowledge and the physical classroom experience. This study just proved both of those moats are gone. When software can teach you complex physics twice as well as a $60,000-a-year institution, the math of higher education breaks permanently. The AI didn't just give the students answers. It used strict pedagogical guardrails. It guided. It questioned. It forced the students to do the cognitive work. It offered perfect, one-to-one tutoring, personalized to the exact moment a student misunderstood a concept. That level of attention is mathematically impossible to scale in a physical lecture hall. For a thousand years, the university was the only place to get a premium education. Now, it’s the bottleneck. If AI can double your learning speed for a fraction of the cost, what exactly are students taking on decades of debt to pay for?

C Ye @C_Ye__ & Britney’s Drama reminds me another story back in 2023. It’s kinda like Deja Vu. Britney leveraged her fame and connections to bully an unknown small-time poker player. I’ve seen many hustler players backing Britney. A lot of them were coerced into supporting her, yet none stepped up to speak up for C Ye. To me, this is grossly unfair and amounts to collective bullying. Most of them don’t even know what really happened. They may simply fear that if they fail to back her, she will get them banned from Hustler @HCLPokerShow since she is the “Queen” of hustler. XD This happened in 2023 at the Bicycle Casino in Los Angeles. Britney set up a game with Peter. She personally brought in two players, Hank and Jimmy, and asked another host, L, to bring five more. (L is just a codename — he is a very well-known Chinese host, but he prefers not to have his name mentioned here.) Most importantly, Britney bought action in all of the players — every player’s wins and losses ultimately ran through her. Charles the Prince also played in the game for about an hour and had action in Hank as well. That means both L and Charles were financially exposed to Hank’s play that night. To this day, L still believes that Hank and Britney were together at the time. The players on L’s side ended up losing. But when it came time to settle up, Britney refused to pay, claiming that someone had stolen chips from the table. The game itself balanced, though — every number was accounted for. Since Britney had action in all of the players, the “stolen chips” story looked less like an explanation and more like an excuse to avoid settling. And when people pushed back, she firmly denied owing the debt. Alan, an Australian regular who used to play at the Bike, happened to be there that night, and he took the matter into his own hands. He spent 36 hours on it. For the first 20-plus hours, he negotiated with the casino and obtained everyone’s deposit and withdrawal records along with the surveillance footage. The review showed that the person who had actually taken the chips was Hank — one of Britney’s own players, and reportedly someone very close to her at the time. Alan handed all of the evidence to Britney. She still refused to pay — and even after all of this came out, she kept up her good relationship with Hank. Only after their relationship later ended did she start distancing herself from him and publicly criticizing him, as if she had never had anything to do with him. Later, L — who was in Vegas at the time — called Britney and warned her that the police would be involved if the payment wasn’t made. Meanwhile, Alan and several other pros were right there at the Bike. Alan never left — he stayed the entire time for one purpose: to get his money. He was relentless. In the end, Britney had no choice but to pay up. Start to finish, the whole thing took 36 hours.

Everyone's reposting two AI soundbites today: Gates says AI can kill "a billion people," Jensen says kids won't need to learn math. 600K, 700K views — like/view ratios of 0.37% and 0.74%, dead last on the board. People are resharing the emotion, nobody's reading it. The two tweets nobody reposted are the ones pricing $BTC: 30Y Treasury yield at its highest since 2004, and Meta's data-center bonds getting marked down to junk at 7.5%. By the time the AI story needs a celebrity shouting "a billion deaths," the credit market is already pricing its debt. Sentiment at the top, rates at the door. #Bitcoin# #Crypto#

Tim Tebow is on pace to headline more than 20 Life Surge events this year. But current and former employees tell PTFO and @MotherJones that the faith-based conference uses predatory tactics and high-pressure sales to upsell attendees. Victims call it a “scam.” “If you are a Christ-centered company, you don’t put your followers in debt.”

The Financial Times reports that technology groups have offered up to $300 billion of guarantees in less than a year to support debt financing for AI data centres and chips. Structures include minimum residual-value guarantees and special-purpose vehicles; rating agencies can adjust leverage when stressed collateral values fall below guaranteed amounts. There can be separate RVGs in the same deal - powered shell layer, chips layer, lease layer. Total off-balance sheet commitments top $3tn across the largest tech companies per MS and the FT

Yep. Except: 1. This was about important internal tools. The team was stuck in some architecture nightmare of their own doing (writing it in rails but headless, with graphql api, and a SPA react app, constantly needing frontend engineers for changes). I call this kind of thing 'cosplaying an enterprise production app'. All that complexity was in the way and using straight rails was perfect in that case. 2. I make calls like this all the time. Usually someone on the team asks me to. They see what needs to happen but don’t want to be the bad guy. I’m happy to just make the call if I agree with the premise. Saves enormous amounts of meetings and change management etc. Sometimes this is jokingly referred to as Founder-mode-as-a-service here. 3. For ten years I’ve also run an internal podcast called Context, where I revisit decisions like these and explain the reasoning so everyone can learn from them. This is helpful to give people all the variables that were considered and why this was the choice made given the information available at the time. I want to teach how to make such decisions effectively without needing me. Sunk cost fallacy is a problem. 4. Any notions that Shopify is succcessful despite of me doing this, instead of because of it, will have a hard time making their argument come together I think 😄 the part of 'two weeks later tobi learns about...' is nonsese and the pivot of that project up there happens one of the more successful examples of interventions. But getting the company to work effectively with great architecture and low technical debt baggage into the right direction is literally the job, so guilty as charged I suppose. But there are always cope stories floating around like this because they are more fun, than saying 'somehow we needed tobi to stop doing silly architecture astronautics'. I can totally see that.

LATEST: 📊 Grayscale's Zach Pandl says the US Treasury's bond buybacks treat the symptoms of rising yields without fixing structural deficits, and that unchecked debt growth could benefit Bitcoin, Ethereum, and Zcash.