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patio11's profile
Patrick McKenzie
Patrick McKenzie
Patrick McKenzie
@patio11

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Patrick McKenzie

@patio11

I work for the Internet, at @stripe, mostly on accelerating startups. Opinions here are my own.

東京都 Tokyo
kalzumeus.com
Joined February 2009

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    1. Patrick McKenzie‏ @patio11 8 Apr 2015
      • Report Tweet
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      Replying to @patio11

      Establish an informal minimum in your account. Do not draw below it. NSF (insufficient funds) fees are much, much more expensive than APRs.

      1 reply 1 retweet 5 likes
    2. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Request a credit line increase every 6 months on your main business card. No small business has ever had too much credit.

      1 reply 3 retweets 11 likes
    3. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Software businesses, even profitable ones, have occasional WILD VARIATIONS in cashflow. "Expenses on CC, revenue to pocket" helps survive.

      3 replies 1 retweet 9 likes
    4. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      I grew up terrified of debt. This view is not optimal for business: if you can profitably buy growth by buying X, buy X, pay interest.

      3 replies 7 retweets 19 likes
    5. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Banks need to know what you do for a living but are clueless about our industry. Be able to succinctly describe biz model in one paragraph.

      2 replies 1 retweet 6 likes
    6. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      If you ever find yourself innovating with finances you're *probably* doing it wrong. Higher returns to brainsweat everywhere else in biz.

      1 reply 2 retweets 7 likes
    7. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Turn on two-factor authentication for your bank account. Ask your bank to put a note on your file require a branch visit 4 any acct changes.

      4 replies 15 retweets 28 likes
    8. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      You think that's inconvenient. So will the guy trying to empty your account. This has "near missed" friends of mine; terrified them.

      3 replies 3 retweets 9 likes
    9. Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @patio11

      Never use a debit card for any purpose other than to withdraw cash from an ATM. Worse protections than CCs, costs more.

      9 replies 37 retweets 35 likes
    10. Ian Jade‏ @jadewhisk 8 Apr 2015
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      Replying to @patio11

      @patio11 @violetblue no fee, no interest...how is CC better?

      1 reply 0 retweets 0 likes
      Patrick McKenzie‏ @patio11 8 Apr 2015
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      Replying to @jadewhisk

      @jadeserotica @violetblue CC is automatic 1%+ discount on anything you purchase + legally guaranteed superior dispute resolution.

      12:12 PM - 8 Apr 2015
      • 1 Like
      • Credit Card Insider
      2 replies 0 retweets 1 like
        1. Patrick McKenzie‏ @patio11 8 Apr 2015
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          Replying to @patio11

          @jadeserotica @violetblue In event of dispute, if on debit card the money is out of your pocket for longish window. If CC, instant unlock.

          0 replies 0 retweets 2 likes
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        2. Ian Jade‏ @jadewhisk 8 Apr 2015
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          Replying to @patio11

          @patio11 @violetblue I have only ever seen a charge for CC use, never a discount.

          1 reply 0 retweets 0 likes
        3. Patrick McKenzie‏ @patio11 8 Apr 2015
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          Replying to @jadewhisk

          @jadeserotica In the US at least, it's fairly common to be offered cashback or points of roughly 1% of all purchases by your CC company.

          0 replies 0 retweets 0 likes
        4. End of conversation

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