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2023   AI

koveh.ru

Visit koveh.ru for the Russian version of the articles. The translation is made using the Yandex translator.

2023   AI

AI Bot for Telegram.

We created a Telegram bot, that answers questions using the Openai library. The bot also creates images based on your prompt.

it can show receipts for any food, answer legal questions, or write stories. Use it like google, but without advertisements and surfing between tens of websites.

Try it

How is it different from chatGPT?

For now, it is similar to chatGPT, except that you don’t need to register, the bot is nearly never on high capacity, and you get the answer immediately. However, it is not free for us to make the prompts. we pay nearly 2 cents for every 1000 characters that you enter. For now, we make 10 questions per day free for everyone, but if you want more, please pay 5€ a month.

What will be in future

Translation option. For now, chatbots are translating the original language to English, using special algorithms, that are precise, but such algorithms consume 10 times more memory (tokens). That means, the input in Russian or German language can be max. 400 characters, instead of 4000 in English. And the same with output. But we implement the translator that will solve the question and a bot will provide a long helpful answer

Image uploading. Sometimes, you need to solve a task that is written on paper. Instead of manual copying, you can just upload an image.

Document uploading. You can also upload a document as input for a bot. For example, a bot could check the document for mistakes, and grammatical errors, or it can make a summary of a text. It can also check a code for mistakes. The document can be a book, a final report, a business plan, or the terms and conditions. The main stuff is, that the document can have more than 4000 characters, and the bot will still be able to answer. however, such operation is more expensive for us. To make a summary of one book that you upload, for example with 300 pages and 1000 characters on each page will cost us 6€.

2023  

The Personal Lawyer

I have a huge problem, that makes me weak – I am afraid of breaking a law and afraid of paying fines. This happens, because I don’t know the laws. In fact, no one knows all the laws. Even lawyers usually specialise in one specific theme, like property law or bankruptcy law.

How to know all the laws then?
Some People pay private lawyers hundreds of euros every month. Some people read the laws themselves and try to remember most of them. However, laws are quickly changing and the law that was 3 years ago could stop existence or could be edited. Others don’t care about laws and are either scared of doing stuff that can be unlawful. Some are just doing whatever they want, and sometimes get the fine for thousands and millions of dollars.

I decided to solve the law illiteracy problem and give everyone a wise lawyer in a pocket. I will tell about that later, but now let’s learn some basics about the law, and different types of law.

Law basics:

There are different law systems based on the region. The most popular are Common law and European law.

Common Law

Common law is based on judicial decisions, rather than laws written by a legislative body. It evolved in England and is now used in many countries, including the United States, Canada, and Australia.

In a common law system, judges make decisions in individual cases, and these decisions serve as precedents for future cases with similar circumstances. This process of precedent-based decision-making is known as stare decisis (stay by things decided). Over time, these judicial decisions form a body of law, which is commonly referred to as common law.

In the United States, common law is used in many areas of law, including contract law, tort law, and property law. Federal and state statutes may also play a role in shaping common law.

Lawyers have the following difficulties with common law:

  • Complexity – The common law system can be complex, as it relies on the interpretation of judicial precedents and the application of legal principles to new cases. Lawyers must have a deep understanding of legal precedent and be able to apply these principles to new situations, which can be challenging.
  • Inconsistency – The common law system can be inconsistent, as different judges may interpret the law differently, leading to conflicting precedents. This can create confusion and make it difficult for lawyers to predict the outcome of a case.
  • Unpredictability – Because the common law system is based on judicial decisions, the outcome of a case can be unpredictable, making it difficult for lawyers to advise their clients.
  • Time-consuming – Researching and citing relevant judicial precedents can be time-consuming for lawyers, especially in complex cases. This can lead to increased costs for clients and can be a barrier to access to justice.

Civil Law

Civil law law is based on written laws and codes, such as those found in the Napoleonic Code. Civil law systems are used in many countries, including most of continental Europe, Japan, and Latin America.

In a civil law system, laws are codified into comprehensive legal codes, such as the Napoleonic Code, which was influential in shaping the civil law systems of many countries. These legal codes set out the laws and regulations that govern society and provide a comprehensive framework for resolving disputes.

Judges in civil law systems rely on these written codes and laws to make decisions, rather than relying on previous judicial decisions as in common law systems. This means that civil law systems are less flexible than common law systems, as judges have less discretion to interpret the law and must follow the written codes.

Civil law is classified roughly into 7 groups:

  • Contract law: governs agreements between parties and the rights and obligations arising from those agreements.
  • Tort law: governs compensation for injuries or wrongs committed by one party against another.
  • Property law: governs the rights and responsibilities of individuals with regards to property ownership and use.
  • Family law: governs legal relationships between family members, including marriage, divorce, and child custody.
  • Employment law: governs the relationship between employers and employees, including issues related to wages, working hours, and discrimination.
  • Environmental law: governs protection and management of the natural environment and natural resources.
  • Bankruptcy law: governs the process by which individuals or businesses can eliminate or repay their debts.

Civil law systems also typically have specialized courts, such as commercial courts, to deal with specific areas of law.

In civil law, lawyers have to know the laws in the Code (book with laws). They have to know how to interpret every word and every comma. for example:

In the Canadian case Bell Canada v. Rogers Communications Inc., the Supreme Court of Canada considered the meaning of a comma in the Canadian Radiotelevision and Telecommunications Commission Act. The act provided that “a Canadian carrier shall not, without the prior approval of the Commission, control the content or influence the meaning or purpose of telecommunication.”

The question was whether the comma between “content” and “influence” made a difference in the interpretation of the law. The Supreme Court of Canada held that the comma made a significant difference and that the law prohibited carriers from controlling the content of telecommunication, but not from influencing its meaning or purpose. The case showed that even a small change in punctuation can have significant implications for the interpretation of the law and the outcome of a case.

Difference between civil and common law

  • Flexibility: Common law is considered more flexible than civil law, as judges have more discretion to interpret the law and can adapt to changing circumstances, while civil law is more rigid and prescriptive.
  • Codification: Common law is not codified, but instead evolves over time through judicial decisions, while civil law is codified into comprehensive legal codes, such as the Napoleonic Code.
  • Dispute resolution: In common law systems, judges have more discretion to interpret the law and determine the outcome of a case, while in civil law systems, judges are required to follow the written codes and laws.

What does it all mean?

I work with AI and for AI it is much easier to understand well-defined rules, such that are written in civil law. I decided to write my own AI Telegram Bot, which answers whether it is legal or not to do the action, that a person wrote to a bot. It gives the links to the source (To the code of laws) and the examples that are similar and happened in the past 3 years.

2023  

Books to read #7: Mind

These three books have had a profound impact on my life. I first read them when I was 15 and have re-read them every 2-3 years to remind myself of the valuable lessons they contain. While simply following the rules outlined in these books may not make you a millionaire, they will help you understand the true value of things, become a kinder person, and get more value out of your interactions with others.

Dale Canegie: “How to Win Friends and Influence People”

Don’t criticize, condemn, or complain: This creates animosity and puts people on the defensive.
Give honest and sincere appreciation: People are more likely to respond positively when they feel appreciated.
Arouse in the other person an eager want: Help others see the value in what you’re offering and how it can benefit them.
Be genuinely interested in other people: Show a genuine interest in others and their interests and experiences.
Smile: A smile can go a long way in creating a positive impression and building rapport with others.
Remember that a person’s name is, to that person, the sweetest and most important sound in any language: Use someone’s name when speaking to them to create a connection and show that you value them.
Be a good listener: Show that you’re listening by giving your full attention and acknowledging what the other person is saying.

7 rules of highly effective people

Be proactive: Take responsibility for your actions and don’t just react to situations.
Begin with the end in mind: Set clear goals and work towards them.
Put first things first: Prioritize your tasks and focus on the most important ones first.
Think win-win: Seek mutually beneficial solutions in your relationships and interactions.
Seek first to understand, then to be understood: Listen actively to others and try to understand their perspectives before trying to explain your own.
Synergize: Work effectively with others to achieve more than you could on your own.
Sharpen the saw: Take care of your physical, mental, emotional, and spiritual well-being to maintain balance and effectiveness.

Robert Kiyosaki: “Rich Dad Poor Dad”

Mind your own business: Focus on building your own assets and wealth, rather than relying on a job or someone else’s assets.
Work to learn, not to earn: Seek out opportunities to learn new skills and acquire knowledge that will help you build wealth.
Don’t save money, invest it: Save money for emergencies, but invest it in assets that will generate income and grow in value.
Don’t worry about the price of an asset, consider the value: Look for assets that offer value, rather than just focusing on the price.
Don’t let your ego get in the way: Don’t be afraid to ask for help or advice, and be willing to learn from others.
Don’t let fear hold you back: Take calculated risks and don’t be afraid to try new things.

Financial education is important because it helps you build wealth.
Your mindset plays a crucial role in financial success. The book suggests adopting a wealth-building mindset and being proactive in your approach to money.
Building passive income streams is key to achieving financial independence. Passive income is income that is generated without requiring active effort.
Consumer debt, such as credit card debt, can be dangerous and should be avoided or paid off as quickly as possible.
Long-term thinking and planning for the future are important in building wealth.

2023   Books

Q&A with chatGPT: accessories

My blog is primarily about finances, architecture, and programming. But sometimes I want to share something important that we must know to improve ourselves. For example, the accessories that make you look charming.
I collected my 3 recent questions to ChatGPT.

I am a 20-year-old male. I have to find 2 scents. One for work – business and business casual style, and the second for a date. What can you recommend?

For a work scent, you might want to consider something that is sophisticated and subtle. A classic, woody fragrance with notes of sandalwood, cedar, or amber would be a good choice. These types of scents are subtle enough to wear to the office, but still have enough character to make an impression. Some examples of woody fragrances that would be suitable for work include Dolce & Gabbana’s “The One for Men,” Guerlain’s “Terre d’Hermes,” and Yves Saint Laurent’s “L’Homme.”

For a date scent, you might want to choose something that is a bit more bold and romantic. A floral or spicy scent would be a good choice. Floral scents can be soft and feminine, or they can be more bold and exotic. Some examples of floral fragrances that could be suitable for a date include Marc Jacobs’ “Daisy,” Dior’s “J’adore,” and Gucci’s “Bloom.” Spicy scents can also be very romantic, with notes of cinnamon, cloves, and other warm spices. Some examples of spicy fragrances that could be good for a date include Dolce & Gabbana’s “Light Blue,” Yves Saint Laurent’s “La Nuit de L’Homme,” and Burberry’s “The Beat.”

How to tie a tie

The Four-in-Hand Knot: This is a simple, classic knot that is easy to learn and suitable for most occasions. https://www.youtube.com/watch?v=gVYkE1DHnJ4
The Half Windsor Knot: This knot is slightly more formal and works well with medium to wide ties. https://www.youtube.com/watch?v=x1LbKfOv6TE
The Full Windsor Knot: This knot is more formal and works well with wide ties. It is a bit more complicated to tie, but it creates a large, symmetrical knot. https://www.youtube.com/watch?v=7TZKX9y-RVQ
The Pratt Knot: This knot is similar to the Four-in-Hand, but it creates a neater, more symmetrical knot. It is suitable for most occasions and works well with medium to wide ties. https://www.youtube.com/watch?v=2sV14T4T-8s

How to wear a scarf

The Basic Loop: This is a simple, classic way to wear a scarf that works well with most types of scarves. https://www.youtube.com/watch?v=dO-cKZ6UJwE
The Parisian Knot: This knot is a bit more stylish and works well with long, thin scarves. https://www.youtube.com/watch?v=nSfZlDV7Kj4
The Ascot Knot: This knot is suitable for more formal occasions and works well with thicker, more luxurious scarves. https://www.youtube.com/watch?v=MQ-JgvB_Mxw
The Shawl Drape: This is a simple way to wear a large, rectangular shawl-style scarf. https://www.youtube.com/watch?v=uNp-bV7jK0Q

2023   english   OpenAI

ChatGPT

examples

OpenAI trained the model, ChatGPT, that does everything with the text:

  • transforms human language into SQL or Python code.
  • Converts one programming language to another.
  • Corrects text on grammar.
  • translates any language.
  • replaces google search.
  • solves homework.
  • writes books.
  • finds bugs
  • classifier
  • chat bot.
    ...
2022   IT

Dress code for Diplotamic meetings

Rules:

The suit is only dark blue or dark gray. Black is allowed only at evening events with the black-tie dress code, as well as at funerals and weddings.
The jacket is single-breasted, with two or three buttons. Length — up to the middle of the palm of a freely hanging hand. The fabric is solid, dense, without iridescence (chameleon effect), and gloss.
Trousers of a classic cut, with arrows. The length is up to the middle of the heel with one front fold above the shoe.
The shirt is white, plain, opaque (not transparent), and without pockets. Cuffs with one or two buttons are acceptable, but French cuffs are preferable, with medium-sized cufflinks of laconic shapes. The cuff should peek out from under the jacket by 1-1.5 cm.
The tie without glossy gloss, plain, muted colors (dark red, dark blue, dark gray, graphite). Small geometric patterns or contrasting stripes are acceptable. The tie should not be too wide, and its knot should not be too large. The length should reach the middle of the belt.
The belt is only made of smooth matte leather with a classic laconic buckle. The color of the belt matches the color of the shoes.
Shoes — oxfords or derbies made of smooth matte black leather. Brown shoes are only allowed in the heat. The sole is thin, the heel is 3-5 cm.
Socks up to the middle of the calf, are selected in the color of shoes or trousers. White or multicolored socks are not allowed.

These are generally accepted rules. But some politicians deviate from the rules and add their own corporate identity: Trump wears a bright red tie and printed socks; Putin most likely has higher heels. Macron sometimes wears a turtleneck under the jacket. Canadian leader Trudo wears socks with ducks and star wars. Some civilizations are also wearing traditional costumes, e. g., the Saudi Arabian prince wears a thawb (or dishdasha).

The suits are meaningful. For example, Marcon wears a turtleneck under the jacket if he expects changes from the politician’s decision. The clumsy oversized non-ironed costume can mean that person does not care about the public – Trump is one of them. Obama, at the conference against terrorists, wore a beige suit, that seemed too informal in a context of a speech on such a serious issue. A light suid is only used at weddings and on the beach.

Brands:
Putin wears Brioni and Kiton (4000-8000€). Macron wears a local brand, Jonas et Cie, for just 380€. Biden wore Ralph Lauren at the inauguration. Hart Schaffner Marx and Hickey Freeman produce suits for presidents for 3000-5000€. So, the price of the suit may be any: 400€, 3000€, 8000€ and higher.

Source: RBC.ru

Crash of Russian housing sector

After the mobilization at the end of October, housing luxury prices dropped 40%. Prices stabilized at the 15% discount compared to August 2022. Why did it happen and what to expect in the future?

Theory

The housing market can’t be shorted. It is an advantage over the stock market. That means you can’t borrow a house, sell a house and buy it back when the price for this house falls. The problem is that all houses are unique, and the lender expects to get back the same house. The person to whom you sold a house will not sell you a house cheaper than you borrowed it.

The lender may give a set of houses that he will accept from a borrower. Usually, such houses are better than borrowed ones. Such practice is not popular due to the complexity and does not affect the housing market the same way as stocks shorted by institutions for trillions of dollars affect the stock market.

Low liquidity of housing. Stocks are sold fast with a low spread between ask and bid prices. This is because all stocks of a company are the same, information is open, and the stock price is affordable. Also, buying stocks requires a low commission, and the contract is created automatically (in reality it is not so easy and you don’t own shares when buying stocks through a broker, but it is a long irrelevant story).

Buying a house is a long process of finding the right prices by analyzing hundreds of parameters, negotiating, and signing documents with help of a realtor and a lawyer.

To sell a house immediately, seller agrees to sell a house for the bid price, and to buy it, the buyer pays the ask price without negotiations. The spread may be huge, moreover, if too many people sell a house, sellers give huge discounts.

What happened when mobilization started

300k people were drafted in one week. After the announcement of the mobilization, people had three days to leave the country not to be drafted. Plane ticket prices raised from an average of 300$ to 5000$. The last tickets were sold for 15000$ in the economy class. (at that time I was also leaving the country, but I am an EU resident and I paid nearly 500$ to get to Austria by carpooling, plane and bus).

People were scared to get back to Russia. Leavers sold everything they had. They sold houses in one day in exchange for foreign cash. Sellers gave a 40% discount, which was incredible – a luxury house for a price of an economy-class house. Tip: in crisis keep cash to make the best deals.

When all leavers left, the housing prices went up, because there is no need to sell the house fast anymore. That is why the prices bounced. Moreover, the demand for housing dropped, because those who needed a house already bought it, or took a mortgage if it was applicable. Some people who wanted to buy housing may be decided to keep the money in foreign currency to be ready to flee. That is one of the reasons, why the US dollar costs 67 rubbles in cash and only 57 rubles on market (because it is not possible to withdraw money from a bank account, except for SWIFT).

Why prices will continue dropping

There are two reasons for that: Mortgage restrictions and uncertainty. Since the start of the mobilization, the banks stopped giving mortgages to males, except for programmers, who have a right to a 2% mortgage by law. Programmers can’t be drafted by the law.

Due to the risk, that a person will be drafted and won’t be able to pay for a mortgage, banks are not ready to provide the mortgage.

Also, the credits and mortgages, that were taken before the militarisation on the 21st of September, will be automatically discarded if a person dies. That means, the family will keep a house without liabilities, and banks will get huge losses. As for now, the government will not support banks with money and will not compensate for losses. Small banks are f*cked (benefit for big banks).

Eventually, mortgage rates will increase, fewer people would like to take mortgages, and the demand for houses will also fall.

Signal to fall now

40% of newly built houses is not sold. It is bad for construction companies – they should pay off the credits asap, but if there are not enough customers, the manager has 2 variants – sell now cheap and close the credit or keep a small debt, or wait till the best times and pay a lot for a debt. Sometimes firms wait too long and become bankrupt. The banks notice such a situation and increase the credit rates for companies.

The companies stop building new housing if the credit rates are high and the demand is low. Some companies freeze construction. It helps to meet supply and demand, and stabilize prices. If there is no risk of losing the attractiveness of a neighborhood or a city itself, it is the best time to buy housing. However, in times of events like a war, the risk is uncountable and the price may fall even higher.

Projects

List of Koveh.com projects.

Austrian Boxes

Investments: €20 000 to continue a project

The goal is to construct Bike lockers suitable for courtyards, shopping centers, office buildings, universities, and hotels all around Europe. In the presentation for investors below, you may find features of the bike lockers.
Presentation

Austrian Boxes b2b for investors Author: Daniil Kovekh.

Video

We started this project as a university project with four other members. We made a business model of box sharing. We planned to produce and place the bicycles by ourselves like it does another Austrian startup, which, how it appeared in the future, have not produced even ten boxes in 10 years. This model was too slow.

I was standing for the franchise plus retail model. We start with the retail model. We will improve the boxes and develop an app in this timeframe, which appears to be a huge deal. I consulted with the technical engineer of Sberbank to understand how to do the IoT handle to open the box with a smartphone and understood that the price for this work will be 5k€-8k€ and it must be made only with senior IoT developers due to the high responsibility and need to create server, database and the IoT dev.

The franchise must be started when the product will be ideal against the most threats, and the application will work stable.

I chose three main customers: business centers, small businesses, and hotels. Customers must situate all of them not far from the production point to make the delivery costs not higher than 10% of the cost.

For now, I am looking for team members; you may find the job posts soon. Ideally, it will be an unpaid internship since many students are ready to work for free to get one more line in a CV.

If you are interested in this project, send an email to Daniil@koveh.com or comment below.

Coldcaller.ru 2019

Due to the domain loss, Coldcaller is not available for registering and using the profile. This happened because I set PHP and SQL for coldcaller.ru. Most of the project files are still available, so I can set everything as it was before.

Bookchange.org 2018

An online bookcrossing p2p and b2c platform. The target audience: Russian population, 14-30, 45-65 years old, living in big cities.

What people do on Bookchange
On Bookchange, people find books, bookstores, bookcrossing points, libraries, and readers’ clubs. Bookchange is also a place where people buy, sell, give away, and rent books. Bookstores sell books in case if the book is not available on the p2p platform.

Goals of bookchange
Bookchange aims to create a community of readers, make reading less expensive, and protect our nature.

How to monetize the project
Money comes from advertisements in bookshops (online/offline), libraries, and cafes.
Furthermore, we can advertise publishers, books, audiobooks, and podcasts.

Bookchange can be responsible for rent and trading activities, where we guarantee to receive full payment.

What happened with the project

Unfortunately, I have suspended the project since 2019. I did not have enough knowledge to start with design and end with the backend alone. I am still willing to continue this project but in Vienna. The bookcrossing infrastructure here is more developed than in Moscow.

bookchange.org (link to the mirror of a site)

Guitar AI 2018

project of self-playing physical guitar that I made as a school project. I used C, Arduino, Bluetooth technology, and web programming to make it work.
Due to financial restrictions, the project’s total cost was less than 35€, so the main part was the code.

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