Adam Ridley

[Adam Ridley @getTyport]

@claudeai Can you also please please keep doing them Thursday quota resets? I enjoy the no sleep.!

[Adam Ridley @getTyport]

I just wanted to add that I didn't calculate in annual property tax in that. So somebody getting a $100,000 apartment, in the end, they're probably going to have, after they've paid it off, they're probably going to have $100 a month, maybe in body, corporate fees, as we call it in Australia. HOA. And they're going to pay up to 1.5%, 2% in Texas, I think. They're going to pay up to $200 a month for tax. Annual property tax.

The problem with people of low incomes renting is that when inflation goes through the roof, the people that can't increase their incomes easily, if it really hurts them the most. And you're out on your bottom if you don't pay it. At least if you build some equity... You could probably tap into that equity if you hit a rough patch. And keep the place paid by using its equity even.

People should under most circumstances actually get back their HOA fees and property tax fees in property value growth per year. So it's like you're saving something there, building it up for nothing. And if inflation does hit, it's usually hitting property as well. So you might end up at 5-10% appreciation per year at times. In something like a COVID event, where everything went crazy and they turned the costs of borrowing down, to almost zero. Yeah, you will be laughing.

[Adam Ridley @getTyport]

The USA is seen as an unfair place where I suppose most people would think there are rich people and very poor people. But if you pay your bills for a few years, anybody can do what we did. We're getting into a house for, like really, the amount of money that we're putting out of our own pocket. The real amount of money that we're putting out of our own pocket is about $2000 for inspections and things plus the money you pay to a seller at the start of the loan that kind of reserves the home and kind of insures them against taking the home off the market until closing, $5k for us.

Our out of pocket total spend ~$7k! of which $5k comes off the loan amount.

The GOV is giving us $15,000 deposit assistance here that more than wipes out our out of pockets. Whereas, in the rest of the world, every single thing in the world is stacked against you. For a start, the housing costs. We're getting a friggin' acre. And a nice, modern, renovated, stone kitchen bench tops. Wooden, real friggin wood floors. Real place. Not some piece of crap. So, yeah. So, yeah. The USA is not very harsh at all. Everybody has the opportunity to easily finance some kind of apartment and pay less than they pay in rent. Because if you're earning very little, they'll give you even more assistance to buy a home. They'll give you up to $25,000. And you can buy plenty of apartments. You can buy plenty of apartments for $100,000. So you're already in there about 25% of the way towards having 100% of it. And your payments will be about $600 a month. All you need to do is pay HOA fees of maybe about $100 a month. And put away another $100 a month up to about $100 to cover any kind of special levies that these body culprits and things like to push out every now and then. And then... And then you'd be home and hosed forever. You know, you'd only be paying like a hundred bucks a month for your HOA fees. Or body corporate fees. And you'd be sweet.

[Adam Ridley @getTyport]

@benjamin_horne You don't actually use this stuff to make money or products. I develop products and work with companies, developing their products every day using AI. More than 200 hours a month of Claude Code.

[Adam Ridley @getTyport]

Everyone's comparing Kimi K3 to Claude on sticker price. $3/$15 vs $10/$50. Looks like a landslide.

At real agent volume it flips. 20M input tokens a day: Claude Max 20x is $200 flat, K3 runs about $416. At 50M it's 5.2x.

Flat rate beats cheap tokens once you actually use them.

Two things I'll say before anyone else does: the $200 line is promotional through July 19 BUT MY own limit says Fable until 24th now so they will keep Fable in I'm sure! , and K3 is genuinely good — Arena has developers picking it over Fable 5 on frontend. The claim is narrow. It costs more at volume. That's all it says.

[Adam Ridley @getTyport]

It's amazing that I build simple RAG chat/helpbots powered by Haiku all day that go over clients' websites and just post relevant information, but that often these AI's don't know anything at all about their own capabilities or companies. It really looks like Fable is back forever. They would have to, with all this Kimi hype.

[Adam Ridley @getTyport]

And what is this front-end code arena anyway? It's just one benchmark. All of these models train on the actual benchmarks to beat them or to get a good result. Doesn't mean a lot in the real world.
I'm going to try out Kimi after all of this avalanche of hype and press that materialized. But there's no way on earth that I would just give them access to my GitHub. I would put portions of my software dev, my own internal software projects over to it to chug away on if it's any good.

[Adam Ridley @getTyport]

Almost none of them are open source. They are open weights, I think you are the one out of your depth here!
And besides, I'm not talking about running my own local models. I'm talking about using it via an API where they can, for sure, read absolutely everything that goes in and out.

[Adam Ridley @getTyport]

@Jason @JasonDBallard @InvestAmerica24 It desperately does need to be turned around because they are saying stuff like, Let's call them what they really are, surveillance centers.
Myself, I'm not... I'm a bit of a conspiracy theorist myself. BUT!

[Adam Ridley @getTyport]

@iMacEnjoyer @OutofSpecDetail Plus the Tesla already has exactly the same thing that any of these EVs, 9s or 7s or 2s or 1s have. It has all of that highway cruise control anyway. So if you don't want to pay the 100 bucks, you just use that. And it works fine.

[Adam Ridley @getTyport]

I don't use it all the time. I just get it when we're going to drive five or six hours and go to another city or go to the beach or mountains or something like that. And, just be able to hit the button and have a drive out of the hotel and just drive to the destination all on its own without me having to think about anything. And I like to be able to travel four or five hours with it just doing absolutely all the driving. It really cuts my fatigue down so much.

[Adam Ridley @getTyport]

@TroyWagmi @heyshrutimishra It’s a bargain really and I’m just hammering it as much as I can making actual products for myself cause it’s not gonna be like this forever

[Adam Ridley @getTyport]

Yes, to some degree. At least to more of a degree.
I lived 12 years in Asia. Have been to China more than 40 times. And for sure I would have more recourse against an American company while being a USA person, a permanent resident, especially if they have been systematically doing any kind of training or harvesting of people's data. Of course not by myself, but if combined with a class action perhaps.
You go and try and sue somebody in China or sue somebody in America and see how things work out for you.

[Adam Ridley @getTyport]

@karlmehta What a brain dead recycled rant.

[Adam Ridley @getTyport]

Anthropic just reset the quotas again. Let's gooooooooooo! I'm gonna stay up all night with Fable before my 4pm tomorrow billing period end!

[Adam Ridley @getTyport]

There are plenty of really rude white people as well. But yeah, I was at a Something Biscuits, like a drive-thru, like a very American drive-thru. Ah Biscuitville. And they told me to pull forward to wait for my food. So I pulled forward. And then the woman behind me had finished her order. And she just started beeping her horn and yelling at me, hey, move, move over, pull, pull to the right. And I couldn't believe it. I like put my head out the window, like trying to look around to her. And she was hanging all the way out of her window, screaming at the top of her voice, move over. I didn't move. And she just kept beeping. She could have drove around me. There was just an acre of space to drive around me. Like the people inside this Biscuitville, obviously, they have procedures. They told me to pull forward because they don't want to walk across like a lane of cars to give people foodI was just following directions. And this woman's or I don't know. I was just following directions, I ended up jumping out and I was like, what the fuck is your problem? And her son was just hiding his face and just like peeking out behind his fingers every now and then. She ended up driving around, but six, seven minutes later, seven, six minutes of screaming just to drive around me when it was completely possible to do it.

[Adam Ridley @getTyport]

@JimBianco1 @MAGAVoice It would seriously take me until the end of time to learn how to do that. I'm bad enough, in my Tesla, with like eleven cameras and radar.

[Adam Ridley @getTyport]

@swapnakpanda @AayushNara2823 But I would say that most software will be used by agents in not too long anyway. And they have a very different set of needs.