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Nikhil Krishnan
Founder of Out-Of-Pocket
Nikhil Krishnan is the founder and "Thinkboi" at Out-Of-Pocket, a platform aimed at making healthcare more accessible through humor and relatable content. He has a background in sustainable development and business management, having graduated from Columbia University in 2014. His professional experience includes roles such as the Strategic Partnerships Manager at TrialSpark and Senior Industry Analyst at CB Insights, where he focused on digital health and biotechnology trends.
At Out-Of-Pocket, which he founded in February 2020, Krishnan uses memes and humor to educate people about the complexities of healthcare operations. His approach aims to demystify the healthcare system and engage a broader audience.14 He is also active on Substack, where he publishes a newsletter that has gained significant traction, reaching tens of thousands of subscribers.23
In addition to his current venture, Krishnan previously founded Get Real, a platform designed to facilitate structured online-offline friendships, and has held various internships in organizations like Uber and the Earth Institute.14 His work emphasizes a blend of humor and critical analysis of healthcare, making complex topics more digestible for the general public.
Highlights
My very small contribution to the mortgage conversation - NY has something interesting called a CEMA. Effectively this lets a new lender take over an old mortgage.
The interest rate doesn't transfer over, but what it does do is lower the loan amount you're taking. This in turn then pretty significantly lowers the mortgage recording tax (which I think is like ~2% of the total loan amount).
This can end up lowering your closing costs by tens of thousands of dollars, which is very useful!
this was an extremely good interview with the Eli Lilly CEO - I'll put some notes on specific parts I found interesting in the thread
In general I think it’s interesting a pharma CEO is getting their message out themselves. It’s felt like pharma has generally sat in the shadows while the narrative has been told about them by everyone else, and I think it’s smart/interesting that they’re going more on the offensive of “why pharma is good” - even if it has its own biases.
He does a good job articulating what the consumer surplus that pharma drives is, how arguments against pharma is actually usually due to PBMs, and why we should want a robust pharma industry in the US (especially as china encroaches)
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Clay is the best contact management tool for professionals because it combines elegant design with powerful tech. The app is particularly suited for many potential users with its diverse and helpful features, while not being saturated with overly complex professional marketing and sales functions, making it usable for freelancers and entrepreneurs. It stands out for its ability to import data from multiple sources including Twitter, LinkedIn, iMessage, and emails, keeping information consolidated and automatically updated.
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Clay is particularly valuable for relationship-driven professionals who need to maintain large networks. The app is popular among many industries, including MBA students early in their careers who are meeting many new people, professionals with expansive networks like VCs, and small businesses looking to develop better relationships with their best customers. Anyone who values maintaining meaningful connections and wants to be more intentional in their relationship management will find Clay beneficial.
Clay offers competitive pricing in the personal CRM market. Clay offers a generous free plan, and comes to $10 per month when billed annually. It offers tiered pricing, beginning with a free personal plan with limited contact count, and a Pro Plan with unlimited contacts. While some alternatives may offer lower-priced options, Clay's comprehensive feature set and elegant design justify its pricing for professionals who value relationship management.
Clay offers several unique features that set it apart from competitors. Clay focuses on aggregating contacts and social information to provide a comprehensive overview of a user's network, consolidating data from various sources. Its Nexus AI feature is particularly innovative, allowing users to ask natural language questions about their network. Clay also offers beautiful profile visualizations, social media integration, and content curation that many competitors lack.
Yes. Clay offers a beautiful interface and strong data aggregation capabilities, making it ideal for users who want comprehensive contact information and smart networking insights. Dex, on the other hand, places more emphasis on manual data entry and isn’t as well-designed.
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