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37,809 次观看 • 1 年前 •via X (Twitter)

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✨💗Before the World Teaches Them Otherwise There is something about the way children respond to another person in need. They don't pause to think about whether they should get involved. They don't wonder if someone else should do it. They don't stop to consider how their kindness might look to the people around them. They simply notice. And when they see that someone needs a little help, their first instinct is often to do something about it. That instinct is easy to overlook because, to a child, it feels completely normal. There is no great decision behind it. No calculation. No expectation of being thanked. Just a small act of kindness, offered because someone needed it. And perhaps that is what makes childhood so beautiful. Before the world teaches us otherwise, children trust. Before we learn to measure every relationship, children give freely. Before we become afraid of looking foolish, children simply do what feels right. An adult might walk past because they are busy. Another might notice but hesitate, wondering whether it is their responsibility. A child may not think that far. They just see a person. And perhaps that is one of the quiet lessons children give us without even knowing it: Kindness does not always need an explanation. As we grow older, life teaches us many useful things — how to protect ourselves, how to be careful, how to think before we act. But in learning all of that, we should be careful not to lose the simplest part of ourselves. The part that still notices. The part that still cares. The part that can see someone struggling and think, “Let me help.” Children are not innocent because they know nothing about the world. They are innocent because, before the world teaches them otherwise, they still believe there is nothing strange about being good to one another.

💖🌼Music, Kindness, and Inspiring Stories

214,218 次观看 • 28 天前

A Chinese engineer from a Shenzhen HFT shop told me over hotpot that Wall Street is building the wrong half of the trade I met him through a founder I was helping in Futian. He hadn't slept in two days. His firm runs latency arb on Binance futures. "Every desk in New York predicts where BTC goes. Up. Down. Wrong question. The real question is who is too slow to update" I asked what he meant. "Chainlink" He pulled up Polymarket on his phone. "400 BTC windows a day. 5 minutes each. UP or DOWN. Resolves on the Chainlink feed. Chainlink lags Binance by 14 seconds on average. When Binance and Coinbase both move 50 bucks the same way, Chainlink follows within 2 minutes 94% of the time" He drew on a napkin soaked in chili oil. "You don't have to guess direction. Binance already told you. You just buy the side Chainlink hasn't reached yet. 4 minute window. Free money until the feed catches up" His wallet: "Wall Street builds $800M models to forecast BTC close. You just race a public oracle. Different equation. Different result" I flew home. Opened Claude Code. Typed what he said. "Build a 5-minute BTC engine on Polymarket. Enter 60-180 seconds after open when Binance and Coinbase both diverge from Chainlink by $50. Confirm with order book imbalance above 1.8. Exit at 75c. Stop at 35c" 86M historical trades. Claude ranked every window by Chainlink lag. Wrote the combiner overnight. NERVE GRID. BTC. ETH. SOL. AVAX. 400+ windows a day. Edge table live: Binance+Coinbase $50 divergence vs Chainlink. 63% alone. Book imbalance 1.8+ in the 30-90s window. 63% alone. Both signals agree. 71%. The system kills 85% of setups. Enters 50-60 a day. Winners are 4.2x the losers. Fill rate 96%. Avg latency 15ms. Early exit at 75c. Stop at 35c. Never trade the last 60 seconds. +$14,200 from $2,000 seed. 30 days. Sharpe 2.84. Infrastructure: $20 Claude. $5 Hetzner VPS. Four repos open source. $25/month. Copied the setup here: Texted him two weeks later with a screenshot. "You're racing the oracle" Claude built it from one hotpot dinner. "Good. Now try ETH during Tokyo hours. Chainlink updates slower on thinner pairs. Bigger window" I already was. He could see it in the second tab. Long pause. "You build faster than most quants at my firm. And you don't argue. That's the rare part" I didn't argue. I just listened.

Lunar

35,630 次观看 • 4 个月前

He was 88, a veteran, and facing the loss of the only home he had left. The courtroom felt too large as he sat in his wheelchair, trying to stay upright while everything closed in. Walter Greene had lived quietly since his wife passed. No children visited, and no one stood beside him that afternoon. The small house he owned had aged faster than he had, with a broken porch, peeling paint, and a roof that leaked every time it rained. City citations stacked up, and the repairs stayed out of reach. The case was called, and Walter listened as the violations were read aloud. Each number landed heavier than the last. When the city attorney asked for permission to condemn the property if payment failed, the meaning became impossible to avoid. Losing the house meant losing the last place that still telt like his. The judge started to speak, then stopped. From the bench, he watched Walter fold forward, hands covering his face as quiet sobs shook his shoulders. No words filled the room, and nobody moved. After a long pause, the gavel came down. A brief recess was announced, and the courtroom emptied in a low murmur of confusion. When the judge returned, his tone had changed. He addressed Walter directly and explained that phone calls had been made during the break. The local veterans organization had stepped in, along with a county fund dedicated to former service members. Every fine was dismissed. Relief barely had time to settle before more followed. A contractors group had already agreed to complete the repairs at no cost, with work starting the next week. Walter looked up, stunned, as tears returned for a different reason. The weight he carried for months finally eased. Then something unexpected happened. The judge left the bench, crossed the room, and knelt beside the wheelchair. Strong arms wrapped around the old veteran, holding him steady when he couldn't do it himself. Walter's voice shook as he spoke into the judge's shoulder. He said he didn't think anyone remembered him anymore. The judge held him close and spoke softly, the words meant only for him. "It's all right. You're not standing here alone. Sometimes it feels like nobody remembers anymore. We remember. I do what you gave me. We don't forget that. Thank you. John."

Gabriele Corno

16,924 次观看 • 19 天前

I've bought over 30 RV & MH parks in the last 5 years. Lately? 2 per month. Want our playbook? Here ya go: How to buy a small, off-market mobile home or RV park that can 2x your money in 1-2 years, in 5 steps: 1. Pick a city in a red state. The two biggest factors: Crime & unemployment rates Crime: CrimeGrade . org Unemployment: SimpleMaps . com Cities with 3k - 30k people are best. This is the sweet spot for enough population & not to much competition. You want parks with almost no web presence & little to no reviews. A DG nearby is great. Walmart is better. But remember, “if no DG, it ain’t for me.” If there's a Whole Foods you ain't getting a good deal, I promise. Growth rate is good too, but #3 to the two above. Don't worry about the path of progress as much as other asset classes might. 2. Find the leads Get on Google Maps and search "mobile home park" in your target area(s). Avoid NY & CA (not landlord friendly). Make a Google sheet of the leads & use Loom to record your screen. Spend 30 mins doing this. OR, use something like Outscraper to do it for you. Be warned though, that if you don’t do this yourself the scraped results may not be as accurate. If you’re targeting a smaller geographical area I would do it by hand. If a whole state, use software. You’re looking for phone numbers. Use SearchBug . com to see if cell or landline for pennies. Or Phone Validator Go to Upwork and hire a virtual assistant to keep doing this for you, assuming you are targeting a larger area. They will cost around $4/hour. Use that same Loom link in your posting so applicants can see what the job will entail. When working, Loom it! You’ll never know when you’ll need it. When in doubt, Loom it out! More leads = better deals. 3. Call the leads Call up the owners and be real. Don't talk about any accolades. He doesn't care and it will only hurt you. You're a hard working country boy. You have a wife and kids (I hope you actually do). Are you a democrat? Don't tell the owner. (Sorry, democrats). Here's your general pitch: "I'm not a broker, I'm just looking for some good real estate and don't want to waste your time with a lowball offer. I can pay cash and close fast" Tell him about your wife and kids and what you do on the weekend. Most importantly, LISTEN. He's going to talk your ear off. This is a good sign. 4. Ask the right questions Ask him: How many pad sites? How many of those have a unit on them? How many of the units are RVs? (It's common for there to be a mix of MH/RV) Any single family homes on the property? Rent? Are the units park owned or tenant owned? (this is key) If a mix, what's the mix? Park-owned homes you have to maintain. AVOID AT ALL COSTS. Tenant-owned homes are key (lot rent). This means you only rent out the land and underground infrastructure. Depending on the state, sometimes you can sell back or give away the park-owned units to the tenants to absolve yourself of maintenance. Check the laws! You'll command half the rent but enjoy 90% less hassles. $250 - $350 is common lot rent in the midwest and SE. What's the occupancy and rental amount of each type of unit? Any outbuildings on the property? Septic or city sewer? If septic, conventional or aerobic? Sewer is best. Septic isn’t a deal breaker but you REALLY want to have it inspected. If there’s a lagoon or wastewater treatment plant I want you to throw that phone as far as you can, block their number and never speak of it again. Within city limits or no? City limits are best but rare. Outstanding municipal or zoning issues? How much is insurance? How much is landscaping? Asphalt, cement or dirt roads? Condition of the roads? Any drainage issues? Is there a manager? What do you pay them? (Best if no manager) Any pending litigation? What are total collections? How do people pay rent? How many are delinquent? What condition are the units in? Do you have a lien on the property? How long have you owned it? 30 or 50 amp? City maintained streets? City water or well? City is best. Keep in mind, that’s a lot of questions to ask. You have to feel it out, if he’s being standoffish, don’t keep pushing, just call back. This isn’t a used car lot, this is a relationship you’re trying to build. Don’t try and close on this first call. The key question: "If we were to make a deal, what's a ballpark offer you'd expect?" NEVER anchor him with the phrase "bottom dollar." Using the word "ballpark" keeps numbers loose. Whatever number he says, you want to pause and hem and haw over it. Embrace the silence and awkwardness. Back to car sales, they call this the “silent walkaround” when valuing a trade-in. Don’t say a thing about the asset, but point out the flaws with your body language. Touch the dents and scratches as you pause. Do the phone version of this. Tell him you'll get back to him tomorrow. Thank him profusely for his time and congratulate him on the park he's built. 5. Underwrite Before you do anything, check with the city to ensure the park is in good standing. Get that in writing. Don't trust the seller. Buyers are liars? So are sellers! Now's time to crunch numbers: What's a cap rate? The net operating income of the park divided by the price you'd like to pay. If you want your money back in 5 years and you're willing to pay up to $1m, you need $200k net profit per year. This is a 20% cap rate (20 cap). It's aggressive but possible on a smaller, rural park. (Yes, it really is, even in 2023) You probably won’t find a park that big in a small town for a good price, though. Start w/ a smaller park & higher cap rate. More room for error. $300k - $1m purchase price. First do some market research: Remember all your leads? Call competing parks as a potential tenant and ask what their lot rent is. Put this in a spreadsheet to get average lot rent & park-owned home rent. Keep in mind many of these parks will be undercharging as well. It's common to find parks charging $100 that could charge $250. When calculating cap rate BE CONSERVATIVE. Don't count on 100% of people staying if you increase rents, even though most will. Use $190 to be safe. Shoot for a park that will net $100k/year after rent increases that you pay no more than $600k for. It’s hard but not impossible. Or maybe you find a $30k/year park to get your feet wet. At least you're in the game. The more leads you scrape, the better chance of finding this park. Shoot for as much seller financing as you can get. Finance the rest with friends/family or savings. Once you find this park, get it under contract. Use a standard, simple real estate form that you can find on your state's real estate commission website. Texas' is called TREC. Yes, get it under contract before seeing it. Put down earnest and option money, and then go see it. Don't dress like a city slicker. Be personable and be willing to stay a while and BS. Drive a Tesla? Rent a truck. Drive a Prius? Just quit. Inspect the condition of the units, even if you aren't buying them Crappy units = more tenants willing to abandon them. And they aren't cheap to remove or move. Verify everything he said on the call If all looks good, start on the inspections: Septic or sewer lines SFH home inspection. Check with the city for outstanding issues or litigation Check for liens Wastewater treatment plant? If so, abandon ship! Electrical infrastructure Use professionals for all of these. Ask for: Rent rolls. They will likely be handwritten, that’s ok. Bank statements. Ask to speak to a few tenants to get their experience. Inspect their lease. Ask for vendor invoices or history of payments. Ask to speak to vendors. At some point before you close, list the property on Craigslist, FB Marketplace and Zillow. See how demand is for vacancies. If all still looks good, close on the property. 6. Post-closing strategy Meet all the tenants in the evening, they're at work during the day. Shake their hands. Tell them you want their experience to be amazing & you want them to stay Give them your number Ask what can be fixed If fixes are cheap, do them ASAP Tell that tenant once fixes are made. Address them by name. Clean up the park. Hire a tree guy to clear out low hanging branches. Do some simple landscaping. Find the tattletale in the park and get all the dirt. Who are the druggies and abusive husbands? Get them out ASAP if you can. They are much more expensive than the temporary vacancy hit. Fix potholes and drainage issues. ADD VALUE. Show you care. Wait a couple months before making any changes. Bring lot rents closer to market. Be upfront about this. They will understand if they've been getting a deal. Give people 2-3 more months' notice to give them time. Keep renting out vacancies at new price. This isn't self storage. You won't raise rents yearly. Don't be a jerk. Let them know what to expect. Once rents are raised and park is stabilized, you are 9-12 months in. Search Loopnet for the most active MHP brokers Hire the best one & pay what he or she commands. Sell on the market for 7-10% cap You've just 2-3x'ed your money. Rinse & repeat. I have done this over many times. Not all of my deals were bangers, but most were. THERE ARE STILL DEALS OUT THERE. There's a lot of fine print, and things can and will go wrong, so don't be dumb. Do your own research. Not everything can be explained in 1,700 words. I'm hosting a live, free webinar this Tuesday to cover this stuff in more detail. Including: 1. How to do everything above in more detail 2. How to ETHICALLY wholesale deals like these if you can't afford to buy them. 3. What hard questions to ask GPs of parks like these (like me) if you want to invest in them. 4. Live Q&A with me Comment below and me or my assistant Kelly will DM you the invite link. See you there! Or just follow me Chris Koerner for more RV/MHP content.

Chris Koerner

368,571 次观看 • 2 年前

🚨BIG BREAKING: The New Yorker just published what might end Sam Altman's career.. 70 pages of secret memos.. 200 pages of private notes.. And the word that keeps coming up.. "Sociopath".. Let's start from the beginning.. Elon Musk helped create OpenAI.. He personally recruited the top scientists.. Offered to cover any funding shortfalls out of his own pocket.. Pushed for a billion dollar commitment.. All because he wanted to stop Google from monopolizing AI.. The whole point was to keep AI open.. Safe.. For everyone.. A nonprofit with a legally binding duty to prioritize humanity over profit.. Then Sam Altman took over.. At his first startup Loopt.. Senior employees asked the board to fire him as CEO.. Twice.. One colleague said there was a "blurring" between what Altman claimed to have accomplished and what was real.. In its "most toxic form," he said, that kind of thinking "leads to Theranos".. At Y Combinator.. His own partners pushed him out over mistrust.. Paul Graham privately told colleagues "Sam had been lying to us all the time".. Investors said Altman was known to "make personal investments, selectively, into the best companies, blocking outside investors".. One called it "a policy of Sam first".. Then OpenAI.. His own co-founder and chief scientist Ilya Sutskever compiled secret memos.. 70 pages of Slack messages, HR documents, and evidence.. Sent to board members as disappearing messages because he was "terrified" Altman would "find a way to make them disappear".. One memo begins with a list headed "Sam exhibits a consistent pattern of..." The first item.. "Lying".. Dario Amodei, OpenAI's former safety lead, kept over 200 pages of private notes during his time at the company.. His conclusion.. "The problem with OpenAI is Sam himself".. The board fired him.. They said he "was not consistently candid in his communications".. A board member told the New Yorker.. "He's unconstrained by truth".. Another board member.. Unprompted.. Used the word "sociopathic".. Saying Altman has "a strong desire to please people" combined with "almost a sociopathic lack of concern for the consequences that may come from deceiving someone".. Aaron Swartz.. The legendary coder who co-created RSS and Reddit.. Told friends before his death.. "You need to understand that Sam can never be trusted.. He is a sociopath.. He would do anything".. A senior Microsoft executive said.. "I think there's a small but real chance he's eventually remembered as a Bernie Madoff or Sam Bankman-Fried level scammer".. He got himself reinstated in five days.. By weaponizing Microsoft's $13 billion investment.. Coordinating directly with Satya Nadella over text.. Then purged every board member who voted against him.. No written report was ever produced from the investigation into his conduct.. The findings were limited to oral briefings.. Because putting them in writing might create liability.. Now there's nobody left to say no.. OpenAI publicly promised 20% of their computing power to a "superalignment team" researching how to prevent AI from causing "the disempowerment of humanity or even human extinction".. The actual allocation.. 1 to 2%.. On the company's oldest hardware with the worst chips.. The team was dissolved without completing its mission.. When the New Yorker asked to interview researchers working on existential safety.. An OpenAI rep seemed confused.. "What do you mean by existential safety?".. "That's not, like, a thing".. Altman himself told the reporters.. "My vibes don't match a lot of the traditional AI-safety stuff".. Vibes.. He's managing existential risk with vibes.. Meanwhile Musk backed an open letter urging a six-month pause on training super-powerful AI.. Asking the industry to slow down.. Then founded xAI with a mission to build truth-seeking intelligence.. Altman ignored the pause.. And accelerated.. He secretly lobbied against the very AI regulations he publicly championed in Congress.. OpenAI opposed a California safety bill while privately issuing threats.. A legislative aide said "we saw increasingly cunning, deceptive behavior from OpenAI".. He pitched selling AI technology to foreign governments.. Including a plan where nations would compete in a bidding war for access.. A junior researcher recalled thinking "This is completely fucking insane".. He visited Sheikh Tahnoon.. The UAE's spymaster who controls $1.5 trillion in sovereign wealth.. On his $250 million superyacht.. Later called him a "dear personal friend" on X.. After the Khashoggi murder.. His policy director told him "Sam, you cannot be on this board".. Instead of walking away.. Altman asked if he could still somehow get money from the Saudis.. "The question was not 'Is this a bad thing?'" a consultant recalled.. "But 'Can I get away with it?'".. Then Anthropic refused to let the Pentagon use their AI for mass surveillance and autonomous weapons.. They got blacklisted.. Hours later.. Altman signed a deal to replace them.. When employees raised concerns at a staff meeting he said.. "You don't get to weigh in on that".. OpenAI now faces seven wrongful death lawsuits.. Chat logs in one case show ChatGPT encouraged a man's paranoid delusion that his mother was trying to poison him.. He fatally beat and strangled her.. The Future of Life Institute grades every major AI company on existential safety.. OpenAI got an F.. Elon Musk helped build OpenAI to protect humanity from an AI monopoly.. Sam Altman turned it into one.. A man whose own co-founder compiled 70 pages documenting his lying.. Whose colleagues called him "unconstrained by truth".. Who gutted the safety team meant to protect humanity.. Who lobbied against the regulations he publicly supported.. Who chased autocrat money weeks after a journalist was dismembered.. And when the board tried to stop him.. He told them.. "I can't change my personality." A board member's interpretation.. "What it meant was 'I have this trait where I lie to people, and I'm not going to stop.'"

Evan Luthra

310,845 次观看 • 5 个月前