cho.sh
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Liked on XI made a mistake. When Jack and I decided to organize this $100K Hackathon, my biggest concern was cheating. Unlike a regular hackathon, everyone participates from home. And because the winner is whoever makes the most PROFIT (not revenue), there are so many ways to manipulate the numbers. So I added a $99 entry fee. One thing I’ve learned from building businesses is that people tend to be more committed when they pay for something. I thought it would filter out spam, attract serious builders, and make the competition fairer for everyone. But I completely missed the other side. 3 years ago, I was a living with my apps. Today, I’m financially free. My life changed so much that somewhere along the way, I lost perspective on what $99 means to someone else. For someone in India, someone struggling to pay their bills, or someone trying to make their first dollar online, $99 can be a lot of money. And those are exactly the people I want to help! I’ve spent years sharing what I’ve learned, reviewing random people’s landing pages, and organizing free meetups around the world. Not because there’s money to make, but because I genuinely love seeing people build things and succeed. And somehow, I was so focused on keeping cheaters out that I didn’t realize I was also keeping genuine builders out. That’s my mistake. So I’ve decided to make the $100K Hackathon completely FREE :) Everyone who already paid got a full refund. I’m still worried about cheating. That problem hasn’t disappeared, and Jack and I will have to figure out better ways to verify profits and keep the leaderboard fair. But that’s our problem to solve. Thank you to everyone who shared their thoughts. Sometimes you need people to remind you of things you’ve forgotten. I genuinely hope this hackathon changes someone’s life. ❤️Liked on XIt’s time to bring back Cafe CursorPosted on Xyo @pendev i can't live share edit a .pen file? it's the most needed featurePosted on XI'm coining a word "Agentsplaining" Agents condescendingly assuming the user don't know fuck and repeating the obviousReplied on X@jayhxmo @raycast Hard to explain. It's the small detailsPosted on X@raycast iOS keyboard is insanely good. Might resub Raycast pro just cuz of thisReplied on X@ishuagra02 I saw a theory that F5.2 is a post train of 5.1, but O5.5 is a distillation of F5.5(unreleased new pretrain) and thats why O5.5 > F5.2Liked on X@anaclumos don't know what is actually improved 👀Posted on Xam i the only one underimpressed with 5.2 fableReplied on X@bvvst great minds think alike https://t.co/YRFWhb1mcOLiked on XClaude Fable 5.2 is out and it's the perfect time to run this god-level prompt on your codebase: "I want you to audit our codebase, is anything here unnecessary, overly complicated in our current setup, or based on weak assumptions? Challenge them. - What can be deleted entirely? - What can be simplified now that unnecessary pieces are gone? Then make the changes. Prefer deleting over simplifying, simplifying over optimizing, and optimizing over automating. This product is being used by thousands of customers, do not cut any corners." This prompt is one I run often and leads to the best results.Replied on X@akshayadinesh19 @bot can we please BYOM for botsLiked on XTo be fair, the Chinese models have a much lower refusal rateLiked on XF*CK IT, im creating a library of AI slop indicators. my feed is full of taste larpers. stay tuned https://t.co/5Muv8nQRm3Liked on XJENSEN! THATS NOT WHAT WE MEANT BY CHINESE MODELS!!!!!!!Liked on Xmy parents had to declare bankruptcy when I was a kid, so they had every reason to pressure me towards a more stable career path instead, they were so patient with me, even as i failed startup after startup for years so getting to tell my mom that everything turned out okay was a really special moment :) for those who can't read Korean, her first message roughly translates to: "Really!!! Congratulations my son. So much :') Thank you God!" i know I've been posting about my exit for like a week now, but it really is a big deal for me and my family! i'll share more about how this all happened and some tactical advice later this week, but for now i'm just riding out all the emotions to quote my mom, thank you God!!!!Liked on X@thefarmers_Dog it stands for Egg GzampleLiked on X🦍 Introducing Memorilla: memory as a modality for LLMs Memorilla turns everything a frozen LLM needs to remember into just 16 memory embeddings ⚡ It uses up to 4,212× fewer tokens and is 27× faster than full context inference while more accurate 🎯 Pushes the Pareto frontier over RAG and agentic memory in personalization, long-document and knowledge QA A thread 🧵:Liked on XThere's a huge product opportunity downstream of Tailscale etc too. At @tldraw we've started designing for "high trust networks" and it's been a beautiful thing. 1. Features that would be a nightmare on the internet are okay on my computer and mostly okay on private networks. Websites that execute user-generated scripts, control production systems, allow for users to send desktop notifications, spend tokens, or directly prompt my agent. Crazy stuff that would only make sense if everyone was in a committed polycule. 2. When everyone on the server can be trusted to have _external_ reasons for good behavior (eg keeping their job, or maintaining friends, family, church, mafia org), the software can be designed in a default social way. Most apps default to isolation, low horizontal visibility, highly restricted collaboration. Makes sense if the social contracts are inside of the app, but if you can trust that they live outside of the app then you can get wild. Example being small group chat names as an emergent comedy phenomenon because anyone in the group can change the name. 3. This can work for commercial products, too, not just internal stuff. Security matters more than ever but the way we've seen that manifest is that more companies are more confident in their own solutions than anything we could provide, to the point where owning data and access is a better value proposition than having it managed. Always has been true for big companies but now even small companies can get a good secure network set up pretty easily, and the hooks we need to build are easy enough. tldraw offline got us started down this road (and shout out to @pendev for first introducing me to the idea of desktop + mcp). We've been bringing that product to private networks and it's been exciting to see how much we can get away with. Keep an eye outReplied on X@saradu birds eye viewLiked on XApplications close in 2 days!! If you have a cool bio idea, and $5-10k will go a long way for you, please apply!!! https://t.co/NCvmrNC53cLiked on XWe've been early adopters of Rust since 2018 and a lot of our infra, voice tech, and even some of the current client is already Rust, the holy grail was getting the whole client there. That means Electron goes away, and so does React Native, mobile keeps native UI but shares app code with desktop via Rust. We hope to get it into testing with users soon™. (And it's not Tauri, it's GPUI, so good guess everyone.) Alright, back to staring at the WoW Forever login screen.Reposted on XOh boy. https://t.co/X7SSskGuGvLiked on XRIP .si domain squatters
Project Millionaire

Project Millionaire

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Over a year old. May be outdated

전략

연금저축펀드, IRP, 해외주식 계좌, 중개형 ISA를 같이 굴려서 세제혜택은 최대로 받고 돈은 효율적으로 나눠 담는 방법이다.

연금저축펀드와 IRP

  • 연금저축펀드에 600만원, IRP에 300만원, 합쳐서 900만원을 넣는다.
  • 이러면 연금계좌 세액공제 한도를 꽉 채운다.
  • 돈을 좀 자유롭게 쓰고 싶으면 세액공제는 포기하고 연금저축계좌의 과세이연 효과만 챙겨도 된다.

해외주식 계좌

  • 해외주식 계좌에 4천만원을 한 번에 넣는다.
  • 그러면 연 250만원까지 비과세를 받는다.
  • 연평균 수익률을 6~7%로 잡으면 1년에 250만원쯤 번다는 계산이다.

중개형 ISA

  • 중개형 ISA 납입한도 3,800만원을 다 채운다.
  • 3년 뒤 만기가 되면 중개형 ISA에 넣은 6천만원을 통째로 연금저축펀드로 옮긴다.
  • 만기 후 새로 연 중개형 ISA에는 매년 666만원씩, 3년 동안 총 2천만원을 넣는다.
  • 만기 전까지 ISA에 넣을 0원에서 2천만원 사이의 돈은 해외주식 계좌, 파킹통장, CMA에 두거나 그냥 써도 된다.

이 방법을 안 따라도 되는 경우

  • 국내상장 ETF 중 쓸 만한 게 S&P500이나 나스닥100 정도라서, 해외 직접투자로 ETF를 더 잘 고르고 자산을 나누고 싶은 경우
  • 소득이 낮아서 세액공제를 안 받아도 결정세액이 어차피 0원인 경우
  • 1년에 4,466만원 넘게 투자할 여유가 충분한 경우
  • ISA에 3년 동안 돈이 묶이는 것도 안 될 만큼 급하게 쓸 데가 있는 경우

핑계에 가까운 이유

  • 연금저축계좌에 돈이 묶여서 싫다 (세액공제를 안 받으면 언제든 뺄 수 있다)
  • 달러를 들고 있으려면 해외투자를 해야 한다 (환노출 국내상장 ETF로도 달러를 들고 있는 효과가 난다)
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