"I am working on it" is the adult version of "The Dog Ate my Homework."
Why?
Both these lines mean:
A. Nope, it is not ready.
B. I need an extension.
C. There's nothing anyone can do about it.
This morning, i was thinking about all the people I know who lived long.
And I realised, actually, it boils down to just THREE things that they do right.
1. Right Breath
Deep and conscious breathing as a matter of course.
2. Right Eating
Right eating is not salads. It is eating as per your prakriti. If a tamas prakriti person tries to eat salads, they will not benefit. Same for Rajas. Only satvik prakriti needs simple kand mool diet. So, eat as per your guna - dosha (prakriti is the combination of guna (Satvik-Rajsik-Tamsik) and Dosha (Vata-pitta-kapha) )
3. Physical activity
They all were physically active. Not like 8 hours in the sun active (though that is obviously great) but they would get up and do their own cooking, laundry, and other household chores that involve bending, stretching, etc. They would take the stairs for one or two floors.
4. Right Sleep.
Sleep according to your own Circadian rhythm and the light of the sun. Most importantly for our times, sleep enough. Don't skimp on sleep.
Thats it. Right Breath, Right Food, Right Sleep, and keeping the limbs going.
https://www.msn.com/en-us/money/companies/openai-microsoft-hit-with-new-author-copyright-lawsuit-over-ai-training/ar-AA1kmo8Z
When Sam Altman was fired, some media house reported that the Board felt that with the Open AI Open Day, Sam had taken the organisation towards a commercial direction that did not fit with the original goals of Open AI.
Open AI was built as a non profit, to create AI for ALL. All being the operative word here. Equitable access to AI capabilities is vital to an equitable world. Whether we like it or not, AI is the competitive advantage of the future.
But the bigger issue is this - Open AI was trained on possibly yottabytes of data by ordinary citizens and creators of content - on the assumption that the LLM would be used for AI for All. Just like Wikipedia was created by millions of individual contributors giving their time and knowledge for free - on the premise that it was a free, open-to-all public encyclopedia.
The Microsoft investment was the first dent in the "for ALL". In one stroke, only one company stood to gain the MOST from the LLM - from the contribution of millions of individuals whose work was consumed by Open AI to create Dalle2 and ChatGPT.
The story is an action replay of the Wikipedia story. Google donated significantly to Wikipedia and magically, Wiki results started appearing on top of Google search results. Searchers found the best information on top, and Wiki got a lot more hits (and donation, of course). It was a win-win for both - but not for the creators who gave hours to create Wiki. They never got compensated.
It is the same for Open AI. It used content from literally millions of creators to make Picasso like paintings, write in the style of so-and-so author, and write specific types of content - college essays, research papers, opinion pieces - based on the essays, papers, and opinions of people who did not, and never will, see a dime.
The trend of a nonprofit creating something big and universal, only to sell it to the highest bidder, is not just against the moral principle. It is also a breach of trust. The creators who donated their time and knowledge generously, as they did prompt engineering and provided feedback to ChatGPT, were contributing to AI for ALL. They were not contributing to Bing's Image Generator or Bing ChatGPT.
Secondly, and more importantly, as a creator, why would I trust the next "Good for All"?
I know I wouldn't, personally speaking.
And to me, there is something very wrong with both these things.
Which is why I love this news:
https://www.reuters.com/legal/openai-microsoft-hit-with-new-author-copyright-lawsuit-over-ai-training-2023-11-21/
But here is something I cannot understand:
Why would a non-profit need to monetise?
Someone was funding Open AI from 2015 to the time of the MS investment. Why was that model not sustainable?
In unrelated news:
Bard can now analyse Youtube videos and give you really intelligent answers.
https://www.msn.com/en-in/money/topstories/google-bard-ai-can-now-watch-youtube-videos-and-answer-your-questions-here-s-how-to-use-new-feature/ar-AA1koDdn
But the millions of youtube creators that are helping Google monopolise the search market even more, will never see a dime of that multi-billion revenue.
#InDefenceOfTheCommonMan
I did it the painful way - one entry for every year of existence.
On top, were the expenses rows.
Under that were the income rows.
The first thing you need to determine is how long you think you will live. I took my parents' average age and added 5 to it for medicine induced longevity.
These are the assumptions:
A. Cost of living expenses go up by 6% YoY if one owns a house and 8% YoY if one does not.
B. Factor in Full time caretaker cost from the age of 75. Take current values and add 12% YoY inflation until you reach the year of turning 75.
C. Some Capex that can be expected if one is retiring alone:
Cremation and inheritance costs
House Maintenance cost every 10 years
D. Assume about 8% YoY growth in the value of your gold bullion.
E. I took 5% as the return from FD and 10% from equity. There are no mutual funds in my investment portfolio.
F. For rentals of properties owned, I assumed a 8% YoY growth and a 60% occupancy rate.
G. For self earning through consulting and other fun stuff, I took a conservative number and gave it at 5-10% YoY growth. Potential age up to which one can earn - 75
The objective:
A. The inflow should be at least 10% higher than the expenses, else the corpus will not be able to keep pace with inflation.
B. There should be some bullion as liquid assets that can be used to deal with unexpected illness.
C. Find out the cost structure of assisted living and start planning for that at the age of 50. I assumed entry into assissted living at the age of 70 or thereabouts.
D. Have a plan to either reverse mortgage or sell any real estate that is not manageable for you after a certain age.
E. Track your portfolio consistently and see if the income and expenses are keeping pace with the retirement strategy.
The excel sheet, by the way, looks like this:
I just realised.. with Dymocks.. my book has been listed by private bookstores (not Amazon, but websites of real bookstores) in India, US, and Australia!!!
And all this without promoting the book one bit!
Even on Amazon, the rank of the book keeps going up and down, which means sales are happening.
I don't see a penny of those sales, but am so glad that the book is being recognised and loved on its own merit.
Of all our labours of love - children are the most dear. Books come a close second.
If you like the book, do give it a nudge - leave a review on Amazon, Goodreads, Barnes and Noble, or our own website.
