TI have been thinking on similar lines. I have access to my own freelancers.
However, do you have any pointers to algos/libraries I should be using? My NLP skills are not great!
For terminal aficionados here, which terminal works well with chatGPT ? I want chatGPT to predict my next keystroke, based on my previous commands I typed.
GPT doesn't work that way. Any such shell would have to send a GPT request for every single keystroke, and you'd hit the API ratelimit very quickly. It would also be very expensive.
Maybe a solid use case for local models are they're optimized for consumer hardware-- someone clever could preserve as much context as possible between requests
Couldn't you just use Fish or zsh-autosuggestions? I don't see the benefit of using a web api or AI for every keystroke when the current solutions work well enough.
I was part of FE International newsletter. So, I got to see financials of some companies.
You always have costs. Like stripe costs, hosting costs, licenses etc.
So profit is never 90%, its typically like 30% of gross
I bought a similar website on transferslot sometime ago for $15000. Later I realized I dont have time between day job, kids and general family life to pursue this business further. I let it die :(
Luckily, for $15000 I figured out I am bad at business.
Lesson for you: Unless you have done some amount of business/customers/sales/marketing before, dont spend such a big amount of money on your first venture.
I was looking to go big because I anticipate that I will not be able to do it part time. I am looking for a full time opportunity so that I can leave my job and focus on it, while drawing some income to pay bills.
Is there any info you can share on your acquisition process? Was there any steps that reassured you wouldn't be left with an empty account and no business operation to take over?
Well, I was relatively naive but luckily the person was honest. So I did not have issues. But here are some suggestions.
1) Open an escrow account, pay some money for it.
2) Put source code, domain name transfership, any business doducments in that escrow.
3) Ask seller to provider support to you for 1-3 months. This should go into contract.
4) Release money in installmeents.
5) Release from escrow only after you are satisfied!
>You don't need to worry about being locked out of your 401K after being sacked. It's still your money and they have to give you access to it, even after you're sacked. Transfer the money out to a separate 401K account that only you control after you've left the company. (Or don't, because I'm pretty sure they have to keep your account open indefinitely, but IANAL so ask a professional)
You will not be locked out of 401k when you quit but they will charge about $25 per quarter ($100 per year) to maintain your account. I feel it is still a good deal and I left my 401k with my previous employers. so far I have $300k in 401k, so $300/year to maintain the portfolio (across three previous employers) and not messing it up by moving it around seems like a safe deal to me.
Moving it around wouldn't mess it up. You can move a 401k from a previous employer to a Rollover IRA at any major custodian. This is not a taxable event (you just move pre-tax money to pre-tax money), so it doesn't matter if you sell whatever it's holding and buy the equivalent at a new custodian. The only reason to need to keep a 401k where it is is if that custodian has some unique investment option that you want there that you can't get elsewhere, but that's pretty rare.
You should be able to transfer a rollover IRA to your latest employer's 401k (and I think a regular, non-Roth, non-rollover IRA as well). One could probably enjoy unrestricted security choice of the traditional brokerage, then move funds back to the 401k before doing a backdoor Roth.
That said, I would talk to a financial advisor before moving large sums of money between account types. My 2c.
>but they will charge about $25 per quarter ($100 per year) to maintain your account.
This is entirely dependant on your plan and plan administrator. Some charge nothing some charge much more than $100/year (I was paying over $250/quarter with one 401k).
HSA is deferred for future. I (in 30% tax bracket and pretty healthy) can defer that to future as I only average about two doctor visits per year last 2 years. So, if I put it in FSA, I loose the money since my number of visits to doctor are few and far between. HSA, I can use after I retire also or when I grow older. So for my situation, it is better.
Lately, I haven't been seeing the HSA math make sense, at least for a family. The monthly difference between a high deductible plan with a HSA is not cheap enough to cover the deductible gap, and care has gotten a lot more expensive.
Either choice will most likely result in medical bankruptcy without some sort of independent wealth. Best to have socialized healthcare and not have to worry about any of this.
I’ve seen at least two companies where if you sign up for the high deductible plan, the employer will contribute the full deductible amount to an HSA. I suspect this might become an increasingly common option in the benefits menu.
I disagree, but upvoted as I do not think you should be downvoted for your opinion. My objections:
First, all employers are different; some provide a big portion of the funding.
Even if not, HSAs can bring huge benefits if executed right. They are a triple tax-free account: pre-tax deposits, tax-free growth, non-taxable distributions. So a healthy high earner who maxes his HSA contributions for several early-career years can come out far ahead. Or a well-off family that can treat it as yet-another tax-advantaged savings vehicle.
But to reap big benefits HSAs have to be planned and executed over many years and impose some limitations, such as on using FSAs. For someone who is not sure they can diligently follow the strategy over many years, HSAs can be a big headache with limited utility. My 2c.
The only time an HSA worked for me was when it was the plan that had a max on out of pocket payments of 10k. I have a diabetic child and that runs to $1200 per month in out of pocket expenses. When I did the math for deductible, copays, etc it worked in my favor.
You can save receipts for medical care forever and claim them against the HSA years later. The money grows tax free so you basically use it as another 401k. After age 65 or if you become disabled you can start pulling money out of a HSA without a medical cost.
@marginalia_nu, Few months ago, you said you would consider open sourcing this search engine. Are there any tasks that us github warriors can help with?
Not mentioned in the article but I asked a shopkeeper why they use it. Answer is fraud. Earlier, customers would download a "fake" app, which miciked online gateway's UI. Customer would punch in money, and show to shopkeeper that "payment went through". Customer takes goods with them and leaves. Shopkeeper looses money.
With this sound box, shopkeeper gives goods ONLY after the box makes sound. Now imagine if a elderly or illiterate relative of shopowner is manning the shop. They may not know how to operate their "banking" app to make sure money has reached. The sound box removes that problem.
"Fraud" is too friendly a word for this. It's just theft from a person who probably is having a much harder time making ends meet than the person stealing. Theft is never a pleasant topic but stealing from somebody with much less financial means than you is morally bankrupt.
> Balwant Singh, 32, runs a grocery store in New Delhi with his mother. He bought a Paytm Soundbox in 2020 after realizing digital payment receipts could be doctored. “[Before sound boxes], people were using apps to create fake payment receipts. I got conned a few times,” he told Rest of World.
The soundbox does seem useful. What you mentioned is all in the article.
> Abbas Ali, a vegetable vendor in an upscale neighborhood in New Delhi, started accepting digital payments in 2021. But every time a customer paid online, the 48-year-old, who can neither read nor write, would need to call his son to confirm that the payment had been received.
I am loking for a part time business person/CEO.
I am a tech guy. Have 15+ years experience building backend systems. Now, I build user facing websites/services and release them. I have no knowledge of marketing/sales, so if you are a non tech guy who wants to do some fun projects, hit me up. Email in profile.
Currently, I am working on a website where people can post their code and ask for feedback. (Something http://pullrequest.com/)
Note that these are mostly side projects. Unless you are very good, they will be side projects for now :)
