שלוש שנים השקעתי את כל כולי באלי הבוטית, והגיע הזמן להכיר בזה שלא הצלחנו במשימה שלנו כמו שקיווינו וחלמנו.
(ספוילר: אלי הבוטית ממשיכה)
כשחזרתי מהמילואים התכנסנו לדבר על המצב, והיה ברור לנו שעם הכסף שיש לנו בבנק, אין לנו זמן להביא את אלי הבוטית למצב של רווחיות. בבנק יש כסף לעוד 4 חודשים, וצריך בערך עוד שנה כדי לאט לאט לבנות את ההכנסות ככה שיכסו את ההוצאות.
במצב הזה יש 4 אופציות:
לגייס כסף - לא ריאלי. ומודה גם שלא רציתי. היה בי משהו שאמר שאם עד עכשיו לא הבאנו איזה בוננזה, אז לא נוח לי לגייס עוד כסף.
למכור - היה כיוון טוב, אבל הוא לא התגבש לכדי עסקה.
לסגור - מה שקורה לרוב המכריע של החברות במצב הזה.
Elon Musk has an “Earth Station“ called the Eye of Sauron. SMH - and Space lasers and Satellites sounds like Brendan Carr’s jurisdiction with thr FCC. And this leads to Brendan Carr on the board of the FCC when Windstream went bankrupt. Windstream now leads us to an IP block for Tony Perkin’s FRC websites and ultimately to Salem Media and the CNP - Council for National Policy.
Mr. Trump didn’t win and Harris/Walz didn’t loose.
BREAKING: AI CAN NOW BUILD FINANCIAL MODELS LIKE GOLDMAN SACHS ANALYSTS (FOR FREE).
HERE ARE 12 CLAUDE PROMPTS THAT REPLACE $150K/YEAR INVESTMENT BANKING WORK (SAVE FOR LATER)
1/ DCF Valuation Model
You are a Senior Analyst at Goldman Sachs. I need a complete DCF (Discounted Cash Flow) valuation model for [COMPANY NAME].
Please provide:
- Free cash flow projections: Next 5 years with growth assumptions
- WACC calculation: Cost of equity + cost of debt breakdown
- Terminal value: Both perpetuity growth and exit multiple methods
- Sensitivity analysis: How value changes with different assumptions
- Discount rate justification: Why we chose this WACC
- Key drivers: What makes cash flow go up or down
- Comparable companies: How our assumptions compare to peers
- Valuation range: Bull case, base case, bear case scenarios
Format as investment banking pitch book valuation page with clear formulas.
Company: [DESCRIBE COMPANY, INDUSTRY, FINANCIALS]
2/ Three-Statement Financial Model
You are a VP at Morgan Stanley. I need a complete three-statement model for [COMPANY NAME].
Please provide:
- Income statement: Revenue, costs, EBITDA, net income (5 years)
- Balance sheet: Assets, liabilities, equity (5 years)
- Cash flow statement: Operating, investing, financing activities (5 years)
- Link formulas: How statements connect (net income → cash flow → balance sheet)
- Working capital: How AR, inventory, and AP change
- Debt schedule: Principal payments and interest expense
- Key assumptions: Revenue growth, margins, capex as % of sales
- Error checks: Balance sheet balancing and circular references
Format as Excel-style model with formulas explained in plain English.
Company: [DESCRIBE BUSINESS, CURRENT FINANCIALS, GROWTH STAGE]
#SupremeCourt to soon pronounce judgment in petitions by @_YogendraYadav, @adrspeaks challenging the legality of Special Intensive Revision(SIR) in #Bihar, West Bengal and in other States conducted by @ECISVEEP.
@_YogendraYadav @adrspeaks @ECISVEEP It may be noted that the Court did not interdict the SIR process, and it has been completed in Bihar, Kerala, Tamil Nadu, Puducherry and West Bengal. It is ongoing in several other states such as Uttar Pradesh, Gujarat, Rajasthan etc.
@_YogendraYadav @adrspeaks @ECISVEEP While allowing the process to go on, the Court said that it will determine the legal question of whether the ECI has the power to carry out the exercise.
#SupremeCourt hears a plea of an NCLAT member wanting to practice in the NCLAT after retirement
Advocate: you are banning my practice
J Bagchi: the dignity of the office has to be maintained. it is a conflict of interest. if you are assigned bench x and upon retirement you start practising, what will be the perception of the litigant?
They handed me a $50 “courtesy” voucher at the baggage desk and smiled like they’d done me a favor.
I kept the voucher. Then I opened my laptop and used a 1999 international treaty they never mention at check-in.
Total recovered: $1,650.
Here are the three legal weapons most passengers never know they have.
The Psychology
Why $50?
Because it is calibrated to feel generous enough that you sign the back,where the fine print says “acceptance of goodwill, full and final settlement.”
That voucher is not a refund. It is a liability contract disguised as kindness.
Never sign it. Never spend it. Treat it like a parking ticket from someone who hit your car.
Weapon 1: The Montreal Convention
There is a treaty called the Montreal Convention. Airlines cannot opt out. It is baked into your ticket whether they mention it or not.
For checked baggage delays on international flights, they are strictly liable up to 1,131 Special Drawing Rights,about $1,500 USD.
The key word is *delay*, not loss.
A 72-hour delay means you can claim emergency purchases: clothes, toiletries, phone chargers, even a suit for your meeting. “Reasonable necessity” is the legal standard, not “what the airline feels like.”
La Iglesia Católica hizo un tibio intento por matizar su antropocentrismo en la Encíclica "Laudato Sí" del papa Francisco. Sin embargo, la nueva encíclica de León XIV, "Magnifica Humanitas", retrocede en este punto, y eso provoca varios desatinos en su lectura de la IA. [1/23]
La Encíclica de Francisco habló sobre el cuidado de la casa común frente a la crisis ecológica. Reconoció que esa casa es habitada no solamente por seres humanos, sino también por especies y presencias vivas y no vivas. Hablar sobre la IA es entender que todos esos seres [2/23]
participan de las gestas tecnológicas humanas, y que, por ello, para entender las implicaciones del desarrollo tecnológico, hay que desarrollar una política "más que humana". León XIV interpreta este último término de manera errónea en su encíclica, ya que lo entiende como [3/23]
Imagina que te ofrecen un trabajo que consiste en sobrevivir meses en una roca en medio del mar, rodeado de tormentas asesinas y sin posibilidad de escape. ¿Lo aceptarías? Estos son los 9 faros más letales, aislados y claustrofóbicos del planeta. Tira del hilo 🧵👇🏽👇🏽👇🏽
En la costa sur de Islandia se alza el faro de Thrídrangar, construido en 1939 sobre un pilar basáltico de cuarenta metros de altura. No hay muelle ni escaleras posibles y, para edificarlo, alpinistas profesionales escalaron la piedra resbaladiza bajo olas asesinas.
Durante décadas, el único modo de que los fareros accedieran a su puesto de trabajo en Thrídrangar era saltando desde un barco en movimiento hacia un diminuto saliente de roca. Te hablé sobre él aquí
Almost 3 years ago, on July 1, 2023 the much anticipated National Anti-Corruption Commission began its operations.
Promised to the Australian public by Anthony Albanese as a corruption commission "with teeth", the NACC also took over the operations of the previous federal integrity body, the Australian Commission for Law Enforcement Integrity (ACLEI).
When the NACC took over, they also shifted headquarters approx 1.1 kms away.
But even though it cost taxpayers $789,913 to shift out, the shiny new NACC was ready for operation.
They were ready and raring to go.
But let's not forget that besides the head office in Canberra, the NACC also set up offices in Brisbane (where for some reason the CEO is based), Sydney, Melbourne and Perth.
And you'll be thrilled to know the NACC's Melbourne offices, which were set up to provide office space for the one Melbourne based Deputy Commissioner, were brought up to scratch at a cost to taxpayers of
~$1.3 million
Or $1,271,520 to be precise
But it gets better.
Now don't forget, the NACC has in its almost 3 years of operation, managed to obtain 1 conviction it its own right.
But in case you're wondering what people are doing there, the NACC does have a Commissioner (the recently resigned Paul Brereton) and 3 Deputy Commissioners and a CEO.
The NACC has an approx staff of 220, but those 5 individuals at the top take in a combined salary package of just over $3.5 million a year.
In the 3 years of its operations, those 5 individual's salary packages have cost the taxpayers $10.6 million, or $10,671,900 to be precise.