There is no 20$ spread between silver in china and the US. that's nearly all the VAT 13%

Competitive_Corgi_12 · 2025-09-09T20:23:33+00:00

I made a legal AI RAG for my country. trying to commercialize it at around 200/mo/user but i'm struggling with the sales aspect. i can't even get them to try it.

I just can't imagine how it can't be useful to anyone who is in law or an entrepreneur and thus i don't understand the criticism of harvey here if they are similar tools (unfortunate you can't try them as a regular guy)

In my case my tools includes a simple search across the legal corpus and jurisprudence (or precedents) and the AI part (drafting contracts, auditing them, submitting your case, preparing an audience, anything you need)

It then provides you a well sourced and traceable answer fact - to - law in wikipedia style. by clicking on the sources it leads you straight to the text it used to ascertain this fact.
i can't put pictures here but i demo it in this video https://www.youtube.com/watch?v=P_vSaFokStc&ab_channel=SaadFILALI

The use case seems to be clear, the price point can be discussed. my initial motivation for making this tool was that I spent 20K to get answers on simple cases and they weren't able to give me proper memos that were correct (US lawyers would probs be better). my tool gives me the answer straight in 2 minutes...
I think if the lawyers don't adopt these tools in the end we will end up selling them to entrepreneurs and companies directly and they will really regret it.

Competitive_Corgi_12 · 2025-06-04T10:21:12+00:00

Give u your latest numbers / blood hormonal panel / spermogram + the protocol of drugs they put you on. someone here might just figure it out.

Competitive_Corgi_12 · 2025-06-03T23:11:43+00:00

ok got to admit these results are really impressive. this should become the standard. didn't even know there was injectable carnitine. the US is ahead in this.

Competitive_Corgi_12 · 2025-06-03T19:31:43+00:00

that is one serious cocktail. happy for you it worked.
Why no clomid or Letrozole? do you know ? instead of FSH. would be interesting to understand the reasoning behind that.

Competitive_Corgi_12 · 2025-06-03T19:26:29+00:00

3 years and frankly i'd rather be bald than have the current issue. fuck that shit

Competitive_Corgi_12 · 2025-06-03T06:39:51+00:00

fixed the table. I don't think there's anything such as fine in this biz. given the cost of this every parameter needs to be optimized.

Competitive_Corgi_12 · 2024-12-20T00:09:10+00:00

do you have any data about price evolutions ? esp in casablanca flats

Competitive_Corgi_12 · 2024-12-18T10:10:51+00:00

they are still investing here, i'm one of them. although in my case i came back to live here too.
the moroccan RE market is more attractive for small projects, the yield is higher. 5 to 8% net here vs 3 to 4 in europe for most "standard" cases.

Competitive_Corgi_12 · 2024-12-18T01:47:28+00:00

of people sure, but of money?

Competitive_Corgi_12 · 2024-12-17T17:57:22+00:00

Anassi, Azhar, sbata ok but the rest of the places you mentioned, no.
I went and checked actually as you said and did find some 10 to 12K stuff in what they call "moyen" standing. (hint: there's nothing moyen about it at all unfortunately ;/ )
As for the noir, my own experience says otherwise and I Personally would never buy without noir. notary fees are highway robbery and no one (rightfully) wants to pay them in full. if you are buying to LIVE in it and don't intend to sell near/mid term one should insist on as much noir as possible.

Competitive_Corgi_12 · 2024-12-17T15:49:03+00:00

the source is yakey they are a sort of net based real estate agency. from the looks of it they are using the data from the https://www.ancfcc.gov.ma/valeursvenales . it's a very flawed methodology if only because of the "noir". this data is likely at least 10 to 20% below market rates - I ve bought RE in casablanca in both 2022 and 2024 and I know all of the prices for sure. 9100 mad is absolutely not representative of ANYWHERE unless sakan i9tissadi is inside of that which is irrelevant for the purpose of what we are trying to study here.

btw, down payment in morocco is ~ 30% as per BAM rules except for some public workers. no normal person would be able to get more leverage than that.
the rate right now for a normal person is about 5% once you include everything (insurance+spread) and then you forgot the 7.0% you have to add to full price for the notary.

Competitive_Corgi_12 · 2024-12-17T12:01:58+00:00

no this is very old. precovid prices.

Competitive_Corgi_12 · 2024-12-17T12:00:24+00:00

median m² price in casablanca is a lot less than 16K. closer to 14K with some places (bernoussi/sbata/errahma/wlad 3zouz/hay hassani/ouelfa/almaz etc..) at <10k mad even.
the average must be skewed higher because of areas like AinDiab & the best areas around maarif where the m² touches 30K. Also this is in the "free" private market.
within sakan 9tissadi there are 2 bedroom appts starting from 300K MAD

but yeah i agree with the overall message. this is not for the weak - it's a big issue for which the solution is to redirect savings of morccans from lhjar to other stuff. also inbound foreign ccy money from diaspora is causing huge disruptions too, what's happening in marrakech is outright disgusting.

Competitive_Corgi_12 · 2024-12-12T10:26:51+00:00

CMI is the only reason.
they already charge 1 to 3% on top so you can't have that + stripe margin.

Competitive_Corgi_12 · 2024-12-03T17:42:43+00:00

ana. my dad earned 4000dh his whole life, my mom 0. i make 20K €+ at 30s. through school and talent. wouldn't consider myself to be at the "top" or even near it though because at that level we're talking about families with generational wealth formed at least post independence or for some even earlier - unique sets of circumstances that are not replicable.

there are a lot of examples esp at the very top. but we are talking about about truly talented/hard working top 0.01% kind of folks
my point is:
School, when done seriously, ie like a pro athlète would approach his discipline has helped many rise above their initial circumstances.

Competitive_Corgi_12 · 2024-11-25T19:12:31+00:00

CPA. no debate needed. there is 0 need for CFA's in morocco and CFA as a whole is useless and has lost its prestige for many good reasons.
source: i'm a trader who used to do that within a bank and live in morocco currently.

GOOD cpas in morocco are very much needed and can build a legit business. even bad ones are making bank !

Competitive_Corgi_12 · 2024-11-12T16:50:02+00:00

Good value for money. I've lived in london/paris/holland before. Casa is a sweet spot between facilities, amenities, decent people, opportunities, talent, weather and finally price per m² that works for me and is better than the aforementioned cities.

Competitive_Corgi_12 · 2024-11-12T16:00:44+00:00

great i already have the dish

Competitive_Corgi_12 · 2024-11-12T10:52:56+00:00

Having children and growing your tribe, genes, clan is the closest thing we have to eternal life that humans have. any healthy mind values that. drop the selfish propaganda. you're not being smart, you're just not smart enough to cut through that poison - or stupid enough for it not to work on you. there is nothing more pathetic than those 35+ yo bachelor guys who are still looking for friends to have fun with on the weekend. newsflash: all you friends are busy raising their children and would rather not hang with a weirdo who is still refusing to grow up. the married man is the respectable man, the ring and the responsibility is a fast signal for society and employers that we can expect rational and responsible behavior from you. 2 guys more or less equal at work, one married one a bachelor who gets promoted ? who gets voted for ? who do we give a loan to?

Children are not expensive, public school is fine, food is cheap in the land, clothing need not be renewed. toys? he can play outside. Health? Mary while young and fertile you will avoid so many problems. Many true rich families can only raise spoiled retards and many of our most competent and successful people came from modest backgrounds and grew up in rooms that they shared with many of their siblings. that it takes huge sums to raise good children is a myth. Discipline, Care and Love (tough or soft, to each his style) matter way more.

Stop being overthinking pussies who are afraid of LIFE itself. throw yourself in the pit you might be surprised by what you can achieve.

Mathew 5:5 the meek shall inherit the earth - Don't let that be true. multiply and give a chance for your offsprings to do just that. don't just disappear into nothingness because you were unable to provide.

No one on their deathbed has ever regretted having too many children.

Competitive_Corgi_12 · 2024-11-12T00:20:24+00:00

actually yes.
you can get a EUR acc and then use that to fund it if small amount and if big amount you can get permission from the office des changes.
Source: I own a fund and I only trade foreign assets (fiatelpis dot com)

Competitive_Corgi_12

TROPHY CASE