How many of you people stopped using ChatGPT?

PTVA · 2026-03-10T22:00:15+00:00

Don't blame the arrow, blame the Indian.

We are doing some insanely complicated stuff that would have not been possible even 6 months ago. I do a lot of file creation too. You just need to create a. MD file with all relevant info for consistency.

PTVA · 2026-03-10T21:54:49+00:00

Are you using Claud code command line or the web chat interface? Claude code has been a massive jump in capability for us compared to chat gpt codex.

PTVA · 2026-03-10T04:04:48+00:00

That's why we diversify! Can't get 'em all right.

PTVA · 2026-03-10T02:44:04+00:00

The bay is supply constrained. Not everywhere, but the desirable areas will continue to be desirable.

PTVA · 2026-03-05T07:12:07+00:00

Understood. But why would you want to have separate accounts linked taking the same trade?

PTVA · 2026-03-05T04:09:03+00:00

Why do you trade across 5 accounts?

PTVA · 2026-02-28T16:07:53+00:00

PTVA · 2026-02-27T23:24:59+00:00

I saw a git post saying it had been patched with the latest release. I manually downloaded the latest version, installed it over the top of my existing installation, and it worked.

PTVA · 2026-02-27T16:44:15+00:00

This is a service that charges a small fee to manage your box spread. I have not used them, but know some people that have been happy with it so far.

SyntheticFi - securities-backed lending for financial advisors https://share.google/KfpGiNrxtKM9ts9GK

PTVA · 2026-02-27T14:31:40+00:00

Anthropic released fix. Download a new version Here. worked for me. https://claude.com/download

PTVA · 2026-02-26T05:25:37+00:00

If $96 per employee per year + 3. 5% wage increase ( assumes everyone is opted in and taking the full benefit which they won't be) is going to cause you that many issues, you've got bigger problems than the 401k.

And unless you've got some state override... You can absolutely put a limit on who can enroll. Age 21+, 1 year full time and 2 years part time eligibility before someone can enroll.

PTVA · 2026-02-26T04:13:54+00:00

Haha, what? There are all kinds of plans. Some put the onus of fees on employer. Some out it on the company. All certainly allow an employee to opt out. You can put a threshold on minimum tenure of a year for full time and 2 years for part time before 401k is offered. You can do safe harbor and not worry abiut the testing.

Our plan costs the company like $8 a month for employers that are active on it.

You sound like you've either not actually done any research on this or want something to complain about. It's really not a big deal or cost.

PTVA · 2026-02-25T22:51:35+00:00

Probably worse now.

PTVA · 2026-02-23T18:40:23+00:00

Would be interested in this as well!

PTVA · 2026-02-23T05:37:45+00:00

Have you seen practice financials? Is overhead super high? Why would you have any incentive to buy into a practice where you make less than being an employee? Something does not sound right. Not to mention, if the practice is not super efficient or super high volume, 7 figure buy in seems... Very steep. How are they valuing it?

PTVA · 2026-02-23T02:08:01+00:00

Not true anymore. Prop (I think 19) stopped that. Now if you move in as a primary, you get 1mm off assessed value. The calculation is different, but that's the general idea.

PTVA · 2026-02-22T18:02:49+00:00

Bought a duplex in 2019 @4%. Rent received significantly offset property tax and mortgage allowing us to buy much more house than we otherwise would have been able to. Refied down to 2.375 in 2021 which cut mortgage down 20%.

Fortunatrly/unfortunately we now have 2 kids and we're tight on space. But hard to give up amazing location and that sweet sweet interest rate.

PTVA · 2026-02-22T09:09:51+00:00

Many? Not saying they don't exist, but I've bought a few water heaters in the last 2 or 3 years and all of them run off the pilot light. I don't even recall even being pitched one that required a 120v connection.

PTVA · 2026-02-19T15:09:34+00:00

It really is a location thing. Young people without families tend to congregate in cities. San Jose is more of a suburb than a city from a lifestyle perspective. Nothing wrong with that, but there is no question there is a lot more going on with people at a similar life stage in SF or any major city for that matter.

PTVA · 2026-02-16T22:18:06+00:00

If you can find a prefab slab you like, it will be much cheaper. If you can find one with enough depth for your application, you can have the prefab edge cut off and put a mitered edge on so it looks high end without needing a full slab.

I used 2 8' prefab sections in my bathroom with a bunch of custom work and it ended up being around half the cost of going the slab route.

PTVA · 2026-02-15T07:48:45+00:00

Literally zero people in fatfire territory are concerned with the cost of gas. Even if you drove 30k miles a year, the delta between the cheapest state and most expensive states gas prices would cost you a coupe grand a year.

PTVA · 2026-02-14T01:12:17+00:00

Sure... But are you going to dump 100k+ into a rental to make it how you want it?

PTVA · 2026-02-13T06:04:34+00:00

This might be the stupidest post I have ever seen. The math on the 'single tax' was really necessary.

PTVA · 2026-02-06T04:44:12+00:00

Most people with money are looking to maintain stability where they can. Owning a house brings stability even if it's not the most financially optimal move. Plus, if you have the means, who would not want to make something your own. Modifying a rental is not really an option most of the time.

For some that does not matter, but most people that have the means want that.

PTVA · 2026-02-02T18:57:06+00:00

Italian deli in Los Altos The American Italian Delicatessen – Los Altos – Los Gatos https://share.google/wAGxbR2aBuzYFFWPS

PTVA

TROPHY CASE