Ruinizer
@ruinizer.bsky.social
Millennial father and reformed Silicon Valley Banker. Lover of small business, science & innovation, strong social safety nets, and the Oxford comma.
And for the love of Cthulhu, maintain your vehicle!
Less than $1,000/year in maintenance will save untold thousands in the cost of a new vehicle….
Less than $1,000/year in maintenance will save untold thousands in the cost of a new vehicle….
November 27, 2025 at 9:41 PM
And for the love of Cthulhu, maintain your vehicle!
Less than $1,000/year in maintenance will save untold thousands in the cost of a new vehicle….
Less than $1,000/year in maintenance will save untold thousands in the cost of a new vehicle….
What!? You’re telling me that the gene that controls melanin in skin doesn’t control every aspect of an individual?!?
I’m pretty sure the expression of 1 gene among…. I don’t know, at least 5… controls everything about that person. I mean that’s like 20% right there!
I’m pretty sure the expression of 1 gene among…. I don’t know, at least 5… controls everything about that person. I mean that’s like 20% right there!
November 25, 2025 at 8:06 PM
What!? You’re telling me that the gene that controls melanin in skin doesn’t control every aspect of an individual?!?
I’m pretty sure the expression of 1 gene among…. I don’t know, at least 5… controls everything about that person. I mean that’s like 20% right there!
I’m pretty sure the expression of 1 gene among…. I don’t know, at least 5… controls everything about that person. I mean that’s like 20% right there!
As a former SVBer, we should not have bailed out the depositors that held more than FDIC limits in single accounts. Moral hazard abounds.
November 25, 2025 at 1:40 PM
As a former SVBer, we should not have bailed out the depositors that held more than FDIC limits in single accounts. Moral hazard abounds.
People don’t seem to understand that us credit folks tighten our belts before most have put on their underwear.
Our loan book has shifted dramatically vis a vis credit quality in the past 24 months
Our loan book has shifted dramatically vis a vis credit quality in the past 24 months
November 24, 2025 at 10:17 PM
People don’t seem to understand that us credit folks tighten our belts before most have put on their underwear.
Our loan book has shifted dramatically vis a vis credit quality in the past 24 months
Our loan book has shifted dramatically vis a vis credit quality in the past 24 months
Reposted by Ruinizer
As I say at the top, the most useful message is that AI products cannot promise guardrails work because by definition, unless the internals of the system stop being the type of LLMs used, you need a human between toy and child/user. Defeating the point 100% of course!
6/n
bsky.app/profile/mari...
6/n
bsky.app/profile/mari...
Part of this story is expertise & intent. ChatGPT is being used by many as “therapy” unable to afford a therapist.
The gap between a tool's intent and use is a public health crisis.
www.theguardian.com/technology/2...
The gap between a tool's intent and use is a public health crisis.
www.theguardian.com/technology/2...
More than a million people every week show suicidal intent when chatting with ChatGPT, OpenAI estimates
Finding is one of most direct statements from the tech company on how AI can exacerbate mental health issues
www.theguardian.com
November 17, 2025 at 6:11 AM
As I say at the top, the most useful message is that AI products cannot promise guardrails work because by definition, unless the internals of the system stop being the type of LLMs used, you need a human between toy and child/user. Defeating the point 100% of course!
6/n
bsky.app/profile/mari...
6/n
bsky.app/profile/mari...
I was told women would love my shampoo/conditioner/toothpaste combo
November 19, 2025 at 1:47 PM
I was told women would love my shampoo/conditioner/toothpaste combo
Reposted by Ruinizer
The prose is incoherent & the only way to make it through a paragraph is to rely on the North Star or her self-pitying narcissism. The gist of this graf is “strangers obsess about me, must be because I work so hard,” but it is almost immediate lost in the morass of “typed on notes app while hiking”
November 17, 2025 at 3:08 PM
The prose is incoherent & the only way to make it through a paragraph is to rely on the North Star or her self-pitying narcissism. The gist of this graf is “strangers obsess about me, must be because I work so hard,” but it is almost immediate lost in the morass of “typed on notes app while hiking”