The hottest Business Substack posts right now

And their main takeaways
Category
Top Technology Topics

20 Predictions For AI in 2025

The Algorithmic Bridge • 573 implied HN points • 26 Dec 24
🕹 Technology Business
  1. Geopolitical issues are becoming more important than concerns about AI posing a threat to humanity. The struggle between democracy and authoritarianism will be at the forefront.
  2. AI advancements will lead to new products and services, with some expected to be quite expensive. However, there won't be a significant drop in jobs due to AI progress.
  3. Not all AI challenges will be solved, and mistakes will still happen. Even as AI improves, it will occasionally produce incorrect or 'hallucinated' information.

Daily Chartbook #301

Daily Chartbook • 1781 implied HN points • 14 Oct 23
💰 Finance Business
  1. Theft and shoplifting have increased due to cost of living pressures.
  2. Bankruptcies in 2023 have already surpassed the total from previous years.
  3. Companies with high debt and low earnings in certain sectors are facing bankruptcies.

Daily Chartbook #298

Daily Chartbook • 1781 implied HN points • 11 Oct 23
💰 Finance Business
  1. Global PC shipments have shown signs of improvement after a decline
  2. The number of US workers on strike is potentially reaching a 40-year high
  3. Interest rates on commercial bank credit cards are at an all-time high
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What New AI Operating Systems Mean for Work

Workforce Futurist by Andy Spence • 439 implied HN points • 05 Feb 25
🕹 Technology Business
  1. AI could change how we use computers by making them more conversational and task-oriented. Instead of using separate apps, we might just tell the computer what we need and it could do it for us.
  2. In the future, businesses might run on AI Operating Systems that can automate many processes, making everything more efficient. These systems could help manage resources, predict customer needs, and adapt quickly to changes.
  3. The role of human workers will likely evolve into 'SuperOperators' who work closely with AI. Instead of completely replacing jobs, AI might help us become more skilled at decision-making and creative problem-solving.

Top Links 567 How Trump's moves against EV subsidies play into Tesla's hands. Why R&D spending does not raise productivity & Kazakhstan’s Golden Man.

Chartbook • 572 implied HN points • 21 Nov 24
🇺🇸 U.S. Politics Business
  1. Trump's actions against electric vehicle (EV) subsidies might actually benefit Tesla. This could give Tesla an advantage in the market while affecting other EV makers.
  2. Research and Development (R&D) spending does not always lead to higher productivity. It's important to consider how the investment is managed and applied.
  3. Recent changes in tax credits for EVs are causing a drop in stock prices for renewable energy companies in the US. This suggests that policy changes can significantly impact the market.

A Return to Teaching: The Spring 2023 Edition

Musings on Markets • 859 implied HN points • 21 Dec 22
🚌 Education Business
  1. Preparation is crucial for teaching. Being ready for class helps make the learning experience better for everyone.
  2. Respect and empathy towards students are important. Treating students as capable individuals fosters a positive learning environment.
  3. Classes should be engaging and fun. Enjoying the teaching process makes learning more meaningful and impactful for students.

Massachusetts Chevy dealership's A.I. chatbot predicts Chiefs to win and also Niners to win

Read Max • 1238 implied HN points • 09 Feb 24
🕹 Technology Business
  1. A Chevy dealership's A.I. chatbot predicted both the Chiefs and Niners to win the Super Bowl.
  2. The chatbot's analysis included inaccuracies like thinking Brock Purdy still plays for Iowa State and Jimmy Garoppolo is still with the Niners.
  3. Despite limitations, Quirk Chevrolet's chatbot predicted the Chiefs to win 31-27 in one conversation.

👋 New name, new course, and other news

escape the algorithm • 319 implied HN points • 14 Jun 23
🎭️ Culture Business
  1. The newsletter changed its name from Deep Sea Diving to Escape the Algorithm to focus more on the 'why' rather than the 'how' of finding and sharing online content.
  2. The author will be teaching a course called Escape the Algorithm at Penn, delving into ideas explored in the newsletter and developing tools for web exploration.
  3. The author is now a regular contributing writer for Lens, a publication covering cultural trends, business creativity, and crafting art, which may lead to more consistent writing and paid opportunities.

Hotel REITs

Warden Capital • 275 implied HN points • 08 Nov 23
💰 Finance Business
  1. Hotel REITs in the public markets have high yields and are trading at 8-10+% cap rates, making them a potentially lucrative investment option.
  2. Compared to other real estate asset classes like multifamily and industrial, hotel REITs offer superior yields and lower capex burdens, making them a cost-effective choice for investors.
  3. The hotel industry has faced challenges post-COVID, especially in urban markets, but with the recovery of leisure, group, and business travel, there is significant potential for growth and investment opportunities.

Notes on Chapter 30

Life Since the Baby Boom • 461 implied HN points • 19 Dec 24
🕹 Technology Business
  1. Netscape going public marked a big moment, but it wasn't an instant fortune for everyone involved. There were rules that kept employees from cashing out right away.
  2. When IPOs happen, share prices can soar initially due to limited availability. But once the lockup ends, prices often drop sharply, leading to disappointment.
  3. Not everyone realized the Internet's impact back then, and many were oblivious to its potential. While some like Bill Gates recognized it as a threat, others lagged behind in understanding.

Microsoft sees OpenAI as an existential threat

Enterprise AI Trends • 337 implied HN points • 23 Feb 25
🕹 Technology Business
  1. Microsoft feels threatened by OpenAI because OpenAI is becoming powerful in the enterprise AI space. They worry that OpenAI's success could hurt Microsoft's own products.
  2. The 'AGI clause' gives OpenAI a strong advantage. It allows them to keep any advanced models from Microsoft, which could limit Microsoft's ability to compete effectively.
  3. Microsoft is trying to slow down AI adoption to regain control. They believe that if companies are hesitant to adopt AI quickly, it gives them time to improve their own offerings.

Joe's Nerdy Rants #2

Joe Reis • 294 implied HN points • 27 May 23
🕹 Technology Business
  1. Identify your motivation to learn in a rapidly changing industry by finding your ultimate goal or purpose.
  2. Focus on mastering the fundamentals of a topic by understanding it from end to end and learning from first principles.
  3. Be patient, read widely, and connect various ideas together to grow your knowledge over time.

Daily Chartbook #271

Daily Chartbook • 1467 implied HN points • 01 Sep 23
💰 Finance Business
  1. Median home sale price increased by 4.8% in the four weeks ending August 27, the biggest jump since October.
  2. Active listings saw an 18.7% drop from a year earlier, the largest decline since February 2022.
  3. Employers cut 75k jobs in August, marking a 267% increase from a year ago.

Beautifully Opinionated

moontower: a stoner dad explains options trading to his kids • 137 implied HN points • 28 Jan 24
💰 Finance Business
  1. Moontower.ai is gearing up for private demos with professionals before opening the beta to the waitlist.
  2. Hosting financial literacy sessions for kids can be engaging and informative, like a 'Kiyosaki without the brainworms' approach.
  3. Exploring the history and challenges of mean-variance analysis provides insights into investment strategies and decision-making processes.

BlackBerry's Ode to Corporate Competence

Rough Cuts • 157 implied HN points • 07 Jan 24
🎭️ Culture Business
  1. The movie delves into the rise and fall of BlackBerry as a product, focusing on the competition between different visions for its future.
  2. The film is distinct from 'The Social Network' in style and tone, offering an entertaining take on corporate stories.
  3. Contrary to common interpretation, 'BlackBerry' presents a nuanced perspective on corporate influence, success, and the impact of competition from superior products.

Coming soon

The Lindy Newsletter • 9 implied HN points • 30 Jan 26
📰 News Business
  1. A Substack newsletter is launching soon and is labeled "Coming soon."
  2. The announcement is dated Jan 30, 2026, marking a recent start date.
  3. Readers are prompted to subscribe and share, but the page currently shows very little content or engagement.

Lifetime Value for Crypto Businesses

DeFi Weekly • 255 implied HN points • 03 Apr 23
🔮 Crypto Business
  1. Understanding the concept of Lifetime Value (LTV) is crucial for crypto businesses as it determines how much a customer is worth in terms of fees earned over their lifetime.
  2. For different categories like chains, DEXs, lending, stablecoins, and yield aggregators, there are specific frameworks to optimize customer lifetime value based on factors like transaction size, fees applied, profit earned, and performance fees.
  3. Each crypto primitive operates similar to traditional businesses but with unique mechanics due to the nature of the crypto environment, such as the impact of costs on profits and the challenge of optimizing incentive elasticity.

Joe's Nerdy Rants #9

Joe Reis • 255 implied HN points • 15 Jul 23
🕹 Technology Business
  1. Data modeling in the industry is often ignored or undervalued.
  2. There is a trend towards 'query-driven modeling' or 'just-in-time modeling.'
  3. The question is raised about the importance of data modeling and its impact on businesses.

Sam Altman’s GPT5 Tweet: Line by Line Analysis

Enterprise AI Trends • 295 implied HN points • 14 Feb 25
🕹 Technology Business
  1. GPT-5 will simplify how users interact with AI by combining different models into one. This means users won’t need to learn about what each model does, making it easier for everyone to use.
  2. There will be different levels of intelligence that users can access by paying more. This 'pay-for-sophistication' model allows users to get better answers while also helping OpenAI make more money.
  3. GPT-5 will act like a smart assistant that decides how to process user requests. This means better performance and less complexity for developers, as the AI will automatically choose the best way to respond.

How much is the news worth?

benn.substack • 997 implied HN points • 05 Jan 24
🕹 Technology Business
  1. ChatGPT can be valuable for what it can do and what it knows.
  2. The use of copyrighted content is important for the development and functionality of AI models.
  3. Legal battles over copyrighted material can impact the future development and usage of AI technologies.

This politics newsletter was almost destroyed by Facebook's algorithm changes

Simon Owens's Media Newsletter • 349 implied HN points • 12 Dec 24
🇺🇸 U.S. Politics Business
  1. Facebook's algorithm changes can seriously hurt online businesses. It happened to a politics newsletter that lost a lot of traffic and income overnight.
  2. Switching to a subscription model helped save the newsletter. This change allowed them to focus on their loyal readers instead of just chasing traffic.
  3. Building a direct relationship with subscribers is important. It helps secure income and creates a more dedicated community around the content.

Becoming Led Zeppelin

Dada Drummer Almanach • 264 implied HN points • 17 Feb 25
🎶 Music Business
  1. Led Zeppelin found success by ignoring negative reviews and focusing on their live performances. They believed that word of mouth from fans was key to their popularity.
  2. The band took control of their music by producing their own recordings and owning their masters. This allowed them to avoid pressures from the music industry and shape their own path.
  3. Jimmy Page's vision for Led Zeppelin as an album band was ahead of its time. He wanted to create music that could be fully appreciated on albums, not just through hit singles.

Joe's Nerdy Rants #7

Joe Reis • 216 implied HN points • 01 Jul 23
🕹 Technology Business
  1. The data community deserves better events free of vendor influence.
  2. The major data platforms are in an intense competition and push to capture attention.
  3. Attending big-vendor conferences often involves dealing with aggressive selling tactics.

The Politics of Data

Joe Reis • 196 implied HN points • 29 Jul 23
🕹 Technology Business
  1. The politics of data often involves using data to push pre-determined agendas.
  2. In organizations, decisions are often driven by politics rather than technical excellence or data.
  3. Understanding the political dynamics within an organization can help navigate potential impacts on one's career.

Why The Emphasis On Transgender?

Points And Figures • 719 implied HN points • 22 Feb 24
🇺🇸 U.S. Politics Business
  1. The emphasis on transgender issues has shifted from other social issues due to the potential financial incentives and long-term profit from transgender-related treatments and services.
  2. Businesses analyze customer acquisition costs and cash flows to understand why certain decisions are made regarding transgenderism and abortion, showing that transgender-related treatments offer a more sustainable revenue stream compared to abortion services.
  3. The transgender industry presents a significant financial opportunity, with ongoing cash flows from hormone treatments, surgeries, and other related services, highlighting the motivations behind the push for transgenderism acceptance and coverage by insurance companies.

Capitalism with American Characteristics

Comment is Freed • 73 implied HN points • 21 Aug 25
🇺🇸 U.S. Politics Business
  1. Trump's new deals with big companies like Nvidia and AMD could change how the government interacts with businesses. This might lead to companies having to pay to keep trading, which feels like a protection racket.
  2. Traditionally, capitalism needs a strong government to function well, but Trump’s actions show he might prioritize personal gains over free market principles.
  3. There seems to be a worry that Trump's approach is starting to resemble models from other countries, like China's, which could affect how markets and investors react in the future.

LLM Links, 2/12/2025 and Live Event Friday

In My Tribe • 212 implied HN points • 12 Feb 25
🕹 Technology Business
  1. Reasoning-trained AI models are expected to outperform existing models in tasks like coding and math while still being costlier to run.
  2. DeepSeek is making waves in AI for its engineering efficiency and lower training costs, potentially leading to many companies creating competitive models.
  3. AI might replace numerous jobs, with tax preparers topping the list, highlighting the shift towards automated processes in many fields.

Top Links 592 The upside of inflation. Warhammer and the British economy & the Cesarean boom.

Chartbook • 271 implied HN points • 19 Dec 24
💰 Finance Business
  1. Inflation can have positive effects on the economy. It's important to understand how it can sometimes benefit different sectors.
  2. The Warhammer gaming franchise is linked to the British economy in interesting ways. It shows how cultural phenomena can impact financial trends.
  3. There has been a rise in the rate of Cesarean births, often referred to as a boom. This trend raises questions about healthcare practices and preferences.

Don't Sign Long Term AI Deals

Enterprise AI Trends • 84 implied HN points • 27 Jul 25
🕹 Technology Business
  1. Avoid locking yourself into long-term AI deals. Technology is changing fast, and what you invest in today might not be useful in a few months.
  2. Be cautious of making big commitments based on fear of missing out. It's better to be flexible than to be stuck with something that may not work later.
  3. When considering AI platforms or products, think about their relevance over time instead of just their immediate benefits.

Top Links 611 Trump's threat to affordable cars. Why trust small business? The world's most important boy scouts & revisiting the Maginot line.

Chartbook • 243 implied HN points • 07 Jan 25
🇺🇸 U.S. Politics Business
  1. Trump's tariffs will make affordable cars harder to find in the US. This is because the cost of making these cars will go up.
  2. Trusting small businesses is important for our economy. They often provide better service and creativity compared to larger corporations.
  3. Revisiting historical events, like the Maginot Line, can teach us valuable lessons. It's a reminder of how preparation and strategy matter in facing challenges.

Joe's Nerdy Rants #5

Joe Reis • 176 implied HN points • 17 Jun 23
🕹 Technology Business
  1. Data professionals interpret the concept of 'model' in various ways, leading to confusion and inconsistency in the field.
  2. Establishing a shared understanding through high-level data modeling can promote consistent and reliable models in organizations.
  3. The use of AI tools in programming has become widespread, indicating a shift in the nature of programming but emphasizing the importance of understanding and verifying AI-generated code.

The Billionaire Tax Trick Fueling Record-High Sports Valuations

Huddle Up • 71 implied HN points • 06 Aug 25
🎾 Sports Business
  1. WNBA team valuations increased significantly, even though the league lost money last season. This shows the market interest in women's sports is growing.
  2. Powerful team owners took action to protect their investments after policies impacted sports valuations negatively. Their influence helps shape the financial landscape of sports teams.
  3. Tax laws and political decisions can have a big effect on how much sports teams are worth. Changes in these laws can lead to record-high valuations.

Can anyone slow Nvidia down?

Alex's Personal Blog • 230 implied HN points • 07 Jan 25
🕹 Technology Business
  1. Nvidia's new 50-series GPUs are impressive and expected to boost their popularity among gamers. Many people are excited but it's unclear when they'll be widely available at the announced price.
  2. Nvidia is launching Project Digits, a personal AI supercomputer, priced around $3,000. This makes powerful AI more accessible for developers at home or small businesses.
  3. Meta is changing its policies under new leadership, focusing on less fact-checking and more political content. This shift is seen as catering to a Republican audience, which might affect how news is shared and perceived.