hardikgupta's comments

hardikgupta | 2 years ago | on: Google announces Q1 2023 earnings [pdf]

> Some things that stood out to me, changing depreciation rules to “magically” generate $770M in revenue.

Changing depreciation schedule has no impact on revenue. It only affects costs and therefore profit.

hardikgupta | 5 years ago | on: Lemonade files S1

Loss ratio is a specific measure in the insurance industry. You don't need to get to 0% loss ratio for the company to be profitable and ~70% loss ratio isn't bad for a relatively new company. Typical P&C insurance companies have loss ratios ~ 50%.

hardikgupta | 6 years ago | on: Increasing transparency through advertiser identity verification

> I suppose it helps to see precisely who is paying for an advertisement, but I don’t think this is actually useful in a real sense.

Think from the perspective of an advertiser. Earlier, an advertiser could pay for any ad anonymously. Now any ad you want to show can be traced back to you. This is a meaningful difference. Even if you as a viewer can't pinpoint the specific person behind an ad, they are not completely anonymous anymore (to Google, to law enforcement that may have a warrant, etc). Of course, this change comes at the cost of a reduction in freedom from the lack of anonymity.

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