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phantomrose96 · 1 year ago

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If anyone wants to know why every tech company in the world right now is clamoring for AI like drowned rats scrabbling to board a ship, I decided to make a post to explain what's happening.

(Disclaimer to start: I'm a software engineer who's been employed full time since 2018. I am not a historian nor an overconfident Youtube essayist, so this post is my working knowledge of what I see around me and the logical bridges between pieces.)

Okay anyway. The explanation starts further back than what's going on now. I'm gonna start with the year 2000. The Dot Com Bubble just spectacularly burst. The model of "we get the users first, we learn how to profit off them later" went out in a no-money-having bang (remember this, it will be relevant later). A lot of money was lost. A lot of people ended up out of a job. A lot of startup companies went under. Investors left with a sour taste in their mouth and, in general, investment in the internet stayed pretty cooled for that decade. This was, in my opinion, very good for the internet as it was an era not suffocating under the grip of mega-corporation oligarchs and was, instead, filled with Club Penguin and I Can Haz Cheezburger websites.

Then around the 2010-2012 years, a few things happened. Interest rates got low, and then lower. Facebook got huge. The iPhone took off. And suddenly there was a huge new potential market of internet users and phone-havers, and the cheap money was available to start backing new tech startup companies trying to hop on this opportunity. Companies like Uber, Netflix, and Amazon either started in this time, or hit their ramp-up in these years by shifting focus to the internet and apps.

Now, every start-up tech company dreaming of being the next big thing has one thing in common: they need to start off by getting themselves massively in debt. Because before you can turn a profit you need to first spend money on employees and spend money on equipment and spend money on data centers and spend money on advertising and spend money on scale and and and

But also, everyone wants to be on the ship for The Next Big Thing that takes off to the moon.

So there is a mutual interest between new tech companies, and venture capitalists who are willing to invest $$$ into said new tech companies. Because if the venture capitalists can identify a prize pig and get in early, that money could come back to them 100-fold or 1,000-fold. In fact it hardly matters if they invest in 10 or 20 total bust projects along the way to find that unicorn.

But also, becoming profitable takes time. And that might mean being in debt for a long long time before that rocket ship takes off to make everyone onboard a gazzilionaire.

But luckily, for tech startup bros and venture capitalists, being in debt in the 2010's was cheap, and it only got cheaper between 2010 and 2020. If people could secure loans for ~3% or 4% annual interest, well then a $100,000 loan only really costs $3,000 of interest a year to keep afloat. And if inflation is higher than that or at least similar, you're still beating the system.

So from 2010 through early 2022, times were good for tech companies. Startups could take off with massive growth, showing massive potential for something, and venture capitalists would throw infinite money at them in the hopes of pegging just one winner who will take off. And supporting the struggling investments or the long-haulers remained pretty cheap to keep funding.

You hear constantly about "Such and such app has 10-bazillion users gained over the last 10 years and has never once been profitable", yet the thing keeps chugging along because the investors backing it aren't stressed about the immediate future, and are still banking on that "eventually" when it learns how to really monetize its users and turn that profit.

The pandemic in 2020 took a magnifying-glass-in-the-sun effect to this, as EVERYTHING was forcibly turned online which pumped a ton of money and workers into tech investment. Simultaneously, money got really REALLY cheap, bottoming out with historic lows for interest rates.

Then the tide changed with the massive inflation that struck late 2021. Because this all-gas no-brakes state of things was also contributing to off-the-rails inflation (along with your standard-fare greedflation and price gouging, given the extremely convenient excuses of pandemic hardships and supply chain issues). The federal reserve whipped out interest rate hikes to try to curb this huge inflation, which is like a fire extinguisher dousing and suffocating your really-cool, actively-on-fire party where everyone else is burning but you're in the pool. And then they did this more, and then more. And the financial climate followed suit. And suddenly money was not cheap anymore, and new loans became expensive, because loans that used to compound at 2% a year are now compounding at 7 or 8% which, in the language of compounding, is a HUGE difference. A $100,000 loan at a 2% interest rate, if not repaid a single cent in 10 years, accrues to $121,899. A $100,000 loan at an 8% interest rate, if not repaid a single cent in 10 years, more than doubles to $215,892.

Now it is scary and risky to throw money at "could eventually be profitable" tech companies. Now investors are watching companies burn through their current funding and, when the companies come back asking for more, investors are tightening their coin purses instead. The bill is coming due. The free money is drying up and companies are under compounding pressure to produce a profit for their waiting investors who are now done waiting.

You get enshittification. You get quality going down and price going up. You get "now that you're a captive audience here, we're forcing ads or we're forcing subscriptions on you." Don't get me wrong, the plan was ALWAYS to monetize the users. It's just that it's come earlier than expected, with way more feet-to-the-fire than these companies were expecting. ESPECIALLY with Wall Street as the other factor in funding (public) companies, where Wall Street exhibits roughly the same temperament as a baby screaming crying upset that it's soiled its own diaper (maybe that's too mean a comparison to babies), and now companies are being put through the wringer for anything LESS than infinite growth that Wall Street demands of them.

Internal to the tech industry, you get MASSIVE wide-spread layoffs. You get an industry that used to be easy to land multiple job offers shriveling up and leaving recent graduates in a desperately awful situation where no company is hiring and the market is flooded with laid-off workers trying to get back on their feet.

Because those coin-purse-clutching investors DO love virtue-signaling efforts from companies that say "See! We're not being frivolous with your money! We only spend on the essentials." And this is true even for MASSIVE, PROFITABLE companies, because those companies' value is based on the Rich Person Feeling Graph (their stock) rather than the literal profit money. A company making a genuine gazillion dollars a year still tears through layoffs and freezes hiring and removes the free batteries from the printer room (totally not speaking from experience, surely) because the investors LOVE when you cut costs and take away employee perks. The "beer on tap, ping pong table in the common area" era of tech is drying up. And we're still unionless.

Never mind that last part.

And then in early 2023, AI (more specifically, Chat-GPT which is OpenAI's Large Language Model creation) tears its way into the tech scene with a meteor's amount of momentum. Here's Microsoft's prize pig, which it invested heavily in and is galivanting around the pig-show with, to the desperate jealousy and rapture of every other tech company and investor wishing it had that pig. And for the first time since the interest rate hikes, investors have dollar signs in their eyes, both venture capital and Wall Street alike. They're willing to restart the hose of money (even with the new risk) because this feels big enough for them to take the risk.

Now all these companies, who were in varying stages of sweating as their bill came due, or wringing their hands as their stock prices tanked, see a single glorious gold-plated rocket up out of here, the likes of which haven't been seen since the free money days. It's their ticket to buy time, and buy investors, and say "see THIS is what will wring money forth, finally, we promise, just let us show you."

To be clear, AI is NOT profitable yet. It's a money-sink. Perhaps a money-black-hole. But everyone in the space is so wowed by it that there is a wide-spread and powerful conviction that it will become profitable and earn its keep. (Let's be real, half of that profit "potential" is the promise of automating away jobs of pesky employees who peskily cost money.) It's a tech-space industrial revolution that will automate away skilled jobs, and getting in on the ground floor is the absolute best thing you can do to get your pie slice's worth.

It's the thing that will win investors back. It's the thing that will get the investment money coming in again (or, get it second-hand if the company can be the PROVIDER of something needed for AI, which other companies with venture-back will pay handsomely for). It's the thing companies are terrified of missing out on, lest it leave them utterly irrelevant in a future where not having AI-integration is like not having a mobile phone app for your company or not having a website.

So I guess to reiterate on my earlier point:

Drowned rats. Swimming to the one ship in sight.

#chrissy speaks #long post #-gestures broadly-

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ceilidho · 2 months ago

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prompt: you and Price get in an accident (1.6k)

He comes into your life like nothing less than divine intervention.

A fender bender, of all things. It’s a bad day and you’re distracted, too busy thinking about your dad calling to tell you that he lost ten thousand from his retirement fund when the stock he’d invested in crashed and how you’re supposed to help him out of this mess, and the roads are slick with that last snowfall of early spring, still unsalted even hours after the snow started.

So when you slam on the brakes at the last second after noticing the car in front of you stopped at a red light, your car slips on the ice and slides forward, hitting the back of the stopped car and sending it forward a foot. It’s quick and sudden, and though you stepped on the brakes early enough to avoid a worse collision, your head snaps forward with the jolt and the seatbelt yanks you back violently, winding you.

Your hands go tight around the wheel, eyes so wide that they nearly pop out of your head as you stare at the car directly in front of you. All of the dread in the world pools in your mouth and then down your throat when you swallow, heart galloping in your chest. You almost can’t believe it for a second.

Then the car in front of you—a big, fuck-you SUV that only worsens your anxiety because of all cars to hit, it had to be someone with a fancy, brand new car that probably has a lawyer on speed dial—puts their hazards on and the driver’s side doors opens and reality snaps like a rubberband back into you. With shaky hands, you put your car into park and put your hazards on as well.

“Oh shit,” you whisper under your breath. An understatement.

A tall man in a brown parka steps out of the car and stares at you through the windshield, a stern expression on his face. He has a beanie pulled down over his head and a full beard, and for a second, the mental image of a bear emerging out of its den flickers in your imagination, all snow-dusted and irritable.

He’s grizzled and older than you. The only consolation is that he doesn’t match the image of the driver that you had in your head—no seven thousand dollar suit or bluetooth earpiece; instead, he seems like the kind of man who’d drive an old pickup or a schooner, wearing an Aran sweater and a skipper's cap, with a pipe hanging from the corner of his mouth. He seems out of place in the middle of the road in your small town.

But he is real, and even though you watch him march over to you, you flinch when he raps on the window with his knuckles.

“Roll the window down,” he instructs, voice muffled through the glass, and you do because the command cuts through the buzzing in your ear. When you do, he reaches into your car with one hand and pops the lock, then takes a step back to open the door. You’d freak out if the situation were different, but you must be in shock because all you can do is stare at him dumbly as he leans into the car and undoes your seatbelt. “C’mon, sweetheart. Out.”

It doesn’t take much coaxing to get you to step out of the car. All he has to do is step back and you get out, knees nearly buckling, like jelly under you. He holds your elbow to steady you. Your elbow feels delicate and tiny in the width of his palm.

“You alright, sweetheart?” he asks, looking all over your face.

You want to answer him, but all you can do is whimper, “I’m so sorry.”

“Hey, none of that. It was an accident. You alright though? Anything hurt?”

“Uh…I don’t…I don’t know.” It hasn’t really sunk in yet, you think. Maybe tomorrow you’ll be sore all over, but right now you feel fine. On the verge of shaking out of your skin, teeth nearly clattering together, but more or less okay.

“Nothing too bad then. Wanna give me your insurance so we can deal with this, sweetheart?”

“Oh. Yeah. Sorry. Let me just—” You move to reach back into your car to fetch your purse, but he stops you, insisting on getting it for you.

And you let him, docile like a doll, watching as he leans into your car and across the seats to grab your purse, big frame looking comically large in your little car. Looking like he’d barely fit in the front seat if he tried to get in.

He comes back out with your little purse in hand and opens it, handing you your wallet and purse by its strap. Your fingers are still shaking when you pull out your insurance information and hand it to him. Everything feels surreal and muted, and the tears are going to flow at any minute now if you don’t get a handle on it.

He must notice because a knuckle fits under your chin and lifts your head up. “Hey, what’s wrong?

“No, no,” you say, reaching up to swipe your fingers over your eyes. “I’m just—I’m really embarrassed. I’ve never been in an accident before.”

“Nothing to be embarrassed about.” His voice is much softer now, pitched low in the way handlers talk to spooked animals. He puts his thumb to your chin, holding you in place. “No one got hurt. Could’ve been worse than it was, and we’ve both got insurance, so what’s done is done. I don’t look mad, do I?”

Trapped between his thumb and knuckle, you can only give a slight shake of your head. “No.”

“Then let’s just take it one step at a time and no tears. Okay?”

You sniff. “Okay.”

“Okay. I’m going to call the insurance, so you get back in the car and sit tight, alright?”

You nod.

“Good girl,” he says, a hint of praise in his voice. “Put the heat on too. It’s too cold for that jacket.”

That makes you go warm all over, flustered and tongue-tied. Thankfully, he doesn’t seem to expect a response out of you. The only thing he expects you to do is get back in the car and turn the heat back on, the warm air billowing into your face when he leans in to crank it up all the way.

Though most of the sound is muffled from inside the car, you turn down the heat and crack the window open slightly to hear him give his name to his insurance company. John Price. Even his name evokes the image of him somewhere else in the world, settled into the nooks and crannies of history.

John handles everything for you while you sit in the car like he told you to, settling everything with the insurance companies and calling for a tow truck right after that. You don’t realize that, of course, until the tow truck pulls up in front of his car and he comes back to usher you out of your car.

“How am I supposed to get home?” you croak. The tow truck driver hitches your car to the bed of the lift and pulls it up, your little car looking pathetic all alone up there.

“I’ll drive you home then bring mine in later.”

“Why can’t I drive my car to the garage too?” You’re petulant now that you’ve learned that he won’t bite, and you know it’s petulance because you don’t actually put up much of a fight to get your car taken off the tow truck.

That petulance trembles when his expression grows stern again. “You’re getting it checked by a mechanic before you get behind the wheel again,” he tells you in no uncertain terms, eyes daring you to contradict him.

You don’t. It’s hard to argue with someone so adamant on your wellbeing. A mechanic in later days will tell John, with you by his side, that your car was mostly fine apart from some slight damage to the bumper, but that you made the right call to bring it in just in case the frame cracked during the accident.

John’s arm will be around your waist at the time and he’ll pull you tighter into his side when the mechanic says that. And what do you do but go with it, curling into his side like it’s natural. You’ll have already fucked him by then anyway. It’ll be no less forward than letting him take you for coffee and then back home, following you up to your apartment and into your bed.

Now though, you let him usher you into the passenger seat of his car and shut the door behind you, the wind cutting off abruptly. It only comes back when the door opens on his side.

You rattle off your address and watch bemusedly as he programs it into his GPS and hits save. You don’t have the temerity to question him, to poke a hole in the bubble of familiarity ballooning around the two of you. The real world seems far away in his car, like you’re in limbo, the rules different here somehow.

“How about a coffee?” he asks at the next light, putting his hand on your thigh and shaking when you don’t respond right away. “Does a hot drink sound good right about now?”

“I guess?” you say. In truth, it sounds great, but you’re losing the thread of this conversation, your old preoccupations getting further and further away from you.

John gives your thigh a squeeze, lingering for a beat before pulling away. “Good. It’ll be a nice little pick me up before we go home. My treat.”

All you can do is nod, your throat dry.

#ceil writing #just a little thing to refresh me because i haven't written all month and needed to reset my brain #price x reader #price/reader #cod x reader #john price x reader #john price x you

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clioerato · 1 month ago

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Steve, raised since childhood on a strict diet of tax forms, utility bills, and neatly labeled folders, handles Love with capital L the only way he knows how—logistically.

So the moment he realizes things with Eddie are serious-serious, he doesn’t make a big speech or even breathe a word.

He just quietly opens a joint savings account.

Then a trust fund.

Lists himself as Eddie’s emergency contact.

Buys a gold ring (simple, tasteful, suspiciously the right size). He knows Eddie likes silver, but that's not what it's for. Gold is in any case an investment in the future, if something happens.

And—because, well, they’ve survived four apocalypses—he updates his will.

Steve wrote it after Apocalypse #2.

The BMW had been bought with his money and, should anything happen, was legally designated to go to Dustin.

Everything else—his personal savings, the shared funds, and whatever compensation the government might cough up for the next end-of-the-world scenario—was to go to Eddie.

Nobody knows this but Steve. It’s filed in a folder marked “just in case”.

Eddie, on the other hand, doesn’t do paperwork.

When he realizes things are serious, he gives Steve his favorite band t-short. Then changes the tires on Steve’s BMW from summer to winter without being asked. Fixes the bookshelf Steve’s been threatening to burn for a month. And starts making him sandwiches in the morning — the kind his mom used to make for him, with just the right amount of mustard and that one slice of tomato Steve always forgets he likes. Uses his entire vocabulary of cute nicknames on Steve and comes up with a couple of new ones.

Miraculously, it works.

Because Eddie gets this strange, unfamiliar feeling of being safe. And Steve? Steve finally feels understood. And cared for, in a way he didn’t know he needed.

#headcanon #eddie munson #steddie #steve harrington #eddie x steve #steve x eddie #fic prompt #writing prompt #writer #if you write this #give me a link

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scottishcommune · 1 year ago

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Below the cut is a template email to send to Edinburgh Pride regarding sponsorship from Aegon, who have investments linked to the genocide in Palestine. Please feel free to use this text or edit it and make it your own and send it to [email protected]

Dear Edinburgh Pride,

As a queer person living in Edinburgh, I was deeply saddened to learn that the march partner for Edinburgh Pride 2024 is Aegon.

In December 2023 the ‘Don’t Buy Into Occupation Coalition’ published a report that showed Aegon have US$564million invested via shares and bonds in companies operating in illegal settlements in Occupied Palestinian Territories. Source: https://dontbuyintooccupation.org/wp-content/uploads/2023/12/2023_DBIO-III-Report_11-December-2023.pdf

We are watching a live-streamed genocide every day - over 36,000 people in Palestine have been murdered by Israeli forces, including at least 15,000 children. The brutality of these atrocities are unthinkable, with evidence of torture and targeting of hospitals, ambulances and refugee camps.

We all have a responsibility to do what we can to end this genocide. As queer people, we are part of a rich history of resisting oppression and dehumanisation - of both ourselves and those we stand in solidarity with. Pride started as a protest against homophobia, transphobia and police violence. It is an important moment to come together as a community to celebrate queer joy and resilience.

But how can we celebrate using profits stained with the blood of our siblings in Palestine?

Aegon has $564million invested in companies that have been listed by the UN as “raising human rights concerns” for their operations in illegal settlements in Occupied Palestinian Territories, In 1948, 750,000 Palestinian people were displaced from their homes and lands and since then, Israeli settlements have been used to spread this process of colonisation.

In addition to this figure, Aegon also has major investments in Eaton Corp Plc., who supply parts for helicopters and fighter jets to the Israeli military and have recently been the target of major protests at their factory in Dorset. They also invest in Amazon, who support the Israeli military with surveillance technology used against Palestians.

Israel has long used ‘pinkwashing’ as a tactic to justify the brutal repression of Palestinians, using queer people to legitimise this horrific violence. We refuse to allow this to be done in our name.

The tide is turning on companies like Aegon that profit from investments in the companies complicit in genocide. Recently, both Hay and Edinburgh Book Festival have dropped Baillie Gifford as a sponsor after over 800 authors called on them to divest from companies involved in Israel and the fossil fuel industry.

I ask that Edinburgh Pride:

Calls on Aegon to commit to divest from companies involved in supplying technology to Israel and operating in illegal settlements.

Drop Aegon as a sponsor until they are able to show evidence of divestment.

Publicly call for a ceasefire and a free Palestine.

There is no pride in genocide.

I look forward to hearing your response.

Sources:

Investments in companies operating in illegal settlements https://dontbuyintooccupation.org/wp-content/uploads/2023/12/2023_DBIO-III-Report_11-December-2023.pdf

Investments in Eaton https://extranet.secure.aegon.co.uk/static/sxhub/pdf/client-pen-distribution.pdf

Investments in Amazon https://www.aegon.co.uk/content/dam/auk/assets/publication/fund-factsheet/standard_bkj9zs0.pdf

Israel’s pinkwashing: https://bdsmovement.net/pinkwashing

War on Gaza statistics: https://www.aljazeera.com/news/longform/2023/10/9/israel-hamas-war-in-maps-and-charts-live-tracker

Edinburgh book festival ends Baillie Gifford sponsorship: https://www.bbc.co.uk/news/articles/cm553zrr3e4o

#free palestine #gaza #scotland #edinburgh #pride #lgbtq #queer #divest from israel

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apatheticsunday · 2 months ago

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Dead on Main Sugar Daddy

AKA "Ghost King Danny unintentionally becomes Jason "Gaslight, Gatekeep, Girlboss" Todd's sugar daddy" prompt!

This is kind of a continuation of Graveyard Favors, but not really lmao.

I just love the idea of Jason coming back from the dead, wearing all Expensive Clothes and literally ancient cursed jewelry, and Bruce is just like, "Where did you get that? I didn't buy it for you. You haven't used your allowance either?" And Jason's obviously not going to admit he has the High King of Infinite Realms, Space, and the Dead as a sugar daddy. (Maybe he would, he's a dramatic theatre kid at heart, but it's funnier if he just straight up lies.)

He says, "I'm literally a crime lord, old man, keep up?? Jesus."

But the more he thinks about it, the more he actually likes the idea. Jason wants to help people, make sure they never experience the same fate he did, and where else to do it than the place he grew up? He knows there are tons of kids he can help, families who have a lack of resources. He's not afraid to get his hands dirty - he's already killed the Joker.

So, Jason calls up his Ghost King sugar daddy, points to Crime Alley, and is like, "I want that."

Danny, in Tucker's ratty Amity-U hoodie and ripped jeans, cheesepuff sticking halfway out of his mouth, "What???"

Danny declares Crime Alley as Jason's Haunt. It's officially Jason's territory in both the human realm and the Ghost Zome; conveniently, that also means that no supernatural (dead or alive) can enter the territory without Jason knowing. It also makes Crime Alley emit major Do Not vibes. Bad guys feel this Dread of being watched constantly, residents feel a bit safer knowing there's somebody who will help if they're in danger, and Jason patrols often enough that everybody starts to associate him as the local crime lord. He also uses Danny's money to invest in some social programs in Crime Alley, like open access food pantries, shelters, domestic violence & sexual assault support, a community garden, little libraries, funding for after school activities, etc.

Because the former Ghost King is absolutely loaded. Danny has eons of old stuff piled in his throne room in the Ghost Zone from Aztec Gold to alien technology. He's not using it and nobody's gonna miss it, so if Jason asks for it, Danny gives it to him. (Does he know Jason is selling it for an absolute shitton of money? Maybe, maybe not. He doesn't really care where it ends up as long as it won't cause the apocalypse.)

So, yeah, that's how Jason actually becomes the crime lord of Crime Alley.

#dpxdc #danny fenton #danny phantom #jason todd #red hood #batfam #dead on main #sugar daddy au #dp x dc #frantically typimg this on my phone like ive been possessed #i NEED bratty jason todd #jason “extorts several grand from bruce everytime he visits” todd

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personal-finance8 · 1 year ago

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Where to Invest I Index Funds I Beginners Guide

Where to Invest for Beginners? How to get started with investment? Is it good to invest in Index Funds? Let's answer these question in this video below.

Diversification is a key element of a balanced portfolio. There is a plethora of investment options to choose from and it is a good practice to invest your funds across different asset classes. An Index fund is like a mutual fund and exactly imitates an index (e.g., Nifty 50, Bank Nifty, Nifty Midcap, etc.). It thus helps in diversifying your investment and mitigates the risk of your equity portfolio.

#Where to Invest for Beginners?#How to get started with investment?#Is it good to invest in Index Funds?#Where to invest for beginners? Investment for beginners #Nifty 50 Index Fund #Long term investment for beginners #Beginners guide to investment

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n1pp · 6 months ago

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my pre ‘25; 1 month glow up ✶

SOCIAL

-Review your social relationship satisfaction.

-Spend time with people you love.

-Practice better communication & listening skills.

-Set boundaries to protect your mental health.

-Join a community in person or online to connect with like-minded people.

PRIORITIES

-What is of highest priority to you as of right now? Make a list of your priorities.

-What requires your focus?

FINANCIAL

-Review your Spending habits.

-Start budgeting. Use 50-30-20 budgeting rule.

-Start saving money to an emergency fund.

-Make a plan to pay off any debts.

DECLUTTER

-Clean up your living space so that your environment can bring you calm instead of chaos.

-Declutter areas that are needed.

-Declutter your social media feed.

-Unfollow those who don't bring any value or make you compare and feel bad about yourself.

IDENTIFY STRESSORS

-Make a list of what brings you the most stress?

-Identify your capacity/energy to deal with these stressors right now.

-Take responsibility, believe that you are one step at a time creating a life where you have it all together.

ROUTINES

-Routines help keep you focused. Create a morning and night routine to keep you in check.

-Check-in with yourself daily: How am I feeling? How does my body feel? What do I need right now?

SELF CARE

-Take care of your basic needs: hydration, enough food, enough sleep, and social connection.

-Develop a self-care activity list and pick and plan daily self-care activities in your calendar.

- Identify your needs and try your nest to meet them.

FIND BALANCE

-Focus on Gratitude.

-Focus on balancing your nervous system.

-Develop a daily or weekly spiritual practice.

-Practice meditation.

NEW DIRECTION

-Focus on the new direction your life is heading. Journal or script out your future as you would like it. What does it look like when you have your life together?

-Invest in learning new skills relevant to your career and interests.

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