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Refresh the Old and Tired (Notes from July 8 to 14, 2019) July 30, 2019

Posted by Anthony in Automation, Digital, experience, finance, Founders, Leadership, marketing, questions, social, Uncategorized, WomenInWork.
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For the abundant discussion on big tech, rise of tech and the valley’s obsession with all of it, there are quite a few industries that have had much longer staying power. They’ve proved their worth, decades and decades in. There are still railways. There are still cars. Manufacturing persists. CPG and everything that that entails last. Walmart, as much as people love (or don’t) Amazon, it’s still a lion’s share of commerce. Tech has improved and allowed them to have this staying power. Additionally, enabling improved efficiencies can allow new players in the industries to fundamentally change how they’re viewed.

Industries include tv – nonpartisan and bipartisan news with Carrie Sheffield. a16z gets into online from offline forms of services, restaurants to tech-enabled deliveries, as well as the rise of CAA and the agency fights. Then we have traffic and building with a consultant in that space. The next industry was making the legal space a little more transparent – provide a marketplace where information becomes symmetrical. I believe these are ways that simple pain points that can be improved through a technological lens give access to a value that wasn’t there before.

Hope you enjoy the shorter posting and the notes as more detailed. Check each of the wonderful people out!

  • Carrie Sheffield (@carriesheffield), co-founder of Bold TV (Wharton XM)

    • Discussing bipartisan vs nonpartisan
    • Growing up in very conservative areas and then going to the coast – seeing both sides, especially media
      • How it was to be in media
    • Fake news as non-fact-checked as well as actually fake – ~70%+ considering bias
    • Intellectual diversity along with everything else – thinking differently vs looking diverse
      • Used example of Google AI conference canceling on a colleague who was a conservative, black woman
  • Chia Chin Lee, CEO of BigBox VR (Wharton XM)
  • Initially trying VR and finding it sickening – didn’t work (Oculus)
    • Tried HTC Vive and fell in love – had a room set up and felt enthralled
    • Hardware and platform may get cheaper with tech
      • Opportunity lies in the software side – connecting to others and industries


  • Entrepreneurs, Then and Now (a16z 6/29/19)
    • With Marc, Ben, Stewart Butterfield (@stewart)
    • 10 year anniversary for a16z in late June – how has the environment changed?
    • Class of 2009 entrepreneurs were some of the most special: Todd McKinnon, Martin, Brian Czesky
      • To get to that point, needed to earn your stripes
    • O2O – online to offline (AirBNB, Uber, DoorDash, Postmates, etc….)
      • Founders that may be more operationally-focused since those require that
        • Maybe more similar to semiconductor founders from the 1970s, start of 80s
    • Dual discipline people as they got more involved in healthcare or bio-related
      • 10 years ago, Bio PhD wouldn’t know much on computers but now, dual PhD’s
    • Economics + CS – discussion of field of economics with empirical / quantitative economics compared to physics or formulas
      • New inventions by economists with machine learning and data
    • New ideas – thought venture firms had lost way, founders/operators that built businesses who would help out on boards
      • GPs started to get more abstract ideas, professionalized
      • Institution and ecosystem, network and fundamental staffing model – pay at a16z is different than other VC’s
    • If priority was to find best founders at the best opportunities, shouldn’t matter which stage they’re at – miss things, maybe
      • Skype deal early, multiple entry points – working with entrepreneur and being stage-agnostic
      • Tech bubble bursting – “can’t possibly start fund” – 2009 was Khosla and them
        • Mentioned ‘crusty’ or ‘grouchy’ VC’s
    • Much of the tech was at an inflection point – Salesforce as only SaaS, iPhone not quite there yet, Uber, Airbnb
      • Maybe the main response should be “No, this thing is stupid” as more accurate
      • Never thought it was a bubble – prices of companies are always incorrect (future performance, which nobody knows)
      • East coast vs West coast – not obvious, find what each argue about
    • How high is up? Online pet delivery, all actually happening
      • What are the exploratory bets? Are markets ready? Are people ready? Regulators?
        • Sometimes it’s the pioneer, sometimes it’s the last – time and effort for founders, personality, other
    • No individual company gets 25 years to prove something – maybe 5 years for a hypothesis
      • Morale issue losing faith or architecture issue – prior architecture (ex: mobile dev in 2002, system on archaic and aging-in-place)
      • VC’s will do the same thing – kid doesn’t know about failed experiments – VC freeze themselves out (ones who don’t know will often invest)
        • Can you learn lessons from failure – maybe you should learn nothing – “That doesn’t work.”
        • Edison as trying 3000 combinations before the filament, Wright brothers trying many
    • Copying the model from CAA – Michael Lovitz and describing the whole thing – not a collection of individuals
      • Operating platform, system and infrastructure with professionals across the network
      • Compounding advantage year over year – but why can’t they copy? They were paying themselves all the money
        • Nobody wanted to take pay cuts – 80% to hire everyone at such a scale
    • Top end venture investment – need something working (product-market fit, product)
      • Do they know what they’re doing? Can they do their job scaling?
      • Second-time or later founders – can do what they want and figure stuff out?
        • Problem may be with the good idea – investments on that idea or otherwise (fragmented idea with nothing)
      • Idea maze to find out what the ideas are – haven’t gone through that
    • VCs can’t invest more than 20% of funds that aren’t primary equity investments – crypto, for instance (vs RIA)
    • Deadwood as creation of city or state – horrifying obstacles
      • Why History is Always Wrong? (Taleb’s narrative fallacy, for instance – often more complex)
        • Don’t even know body, climate still (too complex) – can converge on science to Newton’s laws, others
      • Can’t Hurt Me by David Goggins
  • Scott Kuznicki, Pres and Managing Engineer at Modern Traffic Consultants (Wharton XM)

    • Traffic control tech – California high speed rail vs autobahn style
      • Autonomous lanes?
    • Designated autonomous – level V vs others, depends on density and adoption
    • Thinks parking structures with flat tops could be converted or pay for cost
      • Multipurpose, solar, green or plants etc…
  • Risk, Incentive and Opportunity in Starting Co (FF 027, 20min VC)

    • Daniel van Binsbergen, CEO and co-founder of Lexoo
      • Online marketplace connecting businesses and lawyers
    • Founded it in 2014, got an investment for $1.7mil
    • Friends always asking for referrals – kept a short list of them
      • Seemed great, “quoted $X – is that good?” – perception of complexities
      • Could put make a marketplace together for transparency
    • Kept 100% of his income boosts – got used to his training salary so it wasn’t as big a risk
      • No kids meant it may have been easier – really disappointed if you didn’t give it a go – decision already made
    • Legal space’s lack of progression in tech – incentives in wrong place
      • Hourly model still for law – if you spend less time on work, you would make less money
      • Risk-spotting for lawyers
      • Senior partners have heaviest voice – not exactly lining up for retirement in the near term vs long term
    • Highest goal may not be senior partner – fixed fee, sharing risk, more open to innovating with own practice
    • Lexoo initially – didn’t have tech skills for it, had a vision in his head but didn’t know best way
      • Didn’t build full-scale solution, did a forum for $15 website, form to fill in
      • Arrived in his email – he would then contact lawyers and fill in Word template – get their responses and quotes
      • Attached the lawyers’ quote and response to a doc and pdf and send back to clients
      • Automated only when he couldn’t handle the workload – hit limit on evenings and quit
        • Lawyers paid 10% commission on the quotes
    • Focus on business ideas – tech isn’t the big solution – market innovation (access to litigators)
    • Investors at Forward Investors – introduced through a friend who knew them through squash partner
      • Difference between FOMO on being convinced vs other investors who have a sense of opportunity
    • Fav book: The Mob Test – how to ask questions to get useful feedback, asking questions to customers in the wrong way
      • Would you use the product if it does X, Y, Z – most definitely? Instead of asking what the customer problems are.
    • A lot of work in Trello, for goals, and Sunrise app – Microsoft’s indispensable for calendar meetings
  • Facebook Bargaining Bots Invented a Language (Data Skeptic 6/21/19)
    • Auction theory and econometrics – equilibrium strategy
    • Neither agent is incentivized to change strategy if the other stays the same
    • Plateau of events in real life – baby, marriage, life changes, job, lease ends in time
    • Discount is a single floating-point decimal, ex 0.99 ^ t
      • Everything known – can calculate based on common knowledge and discounts
    • Gaussian distribution, mean 100k, 10k – ignore tail in negative and renormalize
      • Rubenstein one-sided incomplete
    • Game: don’t know private value now, but can have probability distribution
      • Update with Bayesian with behavior
      • Classic ML: corpus of examples of negotiation, mark up conveniently, objective function to maximize reward (post-agree)
      • Opportunity for RL – patterns for language utterances, insult or compliment or neither – recognizing strategy
        • Character level or nothing to ask it
        • Conversations for language you don’t understand and the reward – can you do this optimally?
    • RL + Roll-out with 8.3 to agent and 4.3 to other algorithms (94.4% agreement)
      • Roll-out was 7.3 and then RL – 7.1 and last place was 5.4 for likelihood model
    • Training data was in English, negotiating over 3 items – shortcut its job, RL wants the short path to reward
      • His example – loses points if you went to pits but to reward – chance at falling
      • Wasn’t worth it to move, so he had to do a penalty for not moving
      • Penalty for Facebook example was agents continued to communicate in English
      • Put a time constraint, maybe
  • Transfer Learning with Sebastian Ruder (@seb_ruder), D/S at DeepMind (Data Skeptic 7/8/19)

    • Generally, TL is leveraging knowledge from different tasks or domains to do better on another task
    • Not a lot of training data, may want to pretrain – models to train on imagenet, for instance
      • Language modeling to train on large corpora and use that on a bunch of other tasks
      • Source vs target data: task stays the same but can adapt between source and target, say sentiment of reviews
    • Classic benchmarking, may have ImageNet moments over last year – features of pretrained models applied on more powerful NLP
    • Google XLNet’s most current, BERT and ELMo as others – pace of improvement has been great
    • Difficulty of target tasks – can be good for 100 samples in target source on binary tasks, maybe, 50 even?
      • 200 examples per label, question-answering or reasoning, examples must be increased
      • If we can express target task as a conditional language modeling, can do fewer or even inference
    • Pretraining is costly due to large clusters on your own, but now can be public pretraining where you can finetune quickly
    • Area of common sense reasoning – infer what a question means or expressed depends on what may not be said
      • Grass is green, entity facts (son of a son), inquiries for language model – incorporate to modeling

Betaworks, Kamal Pt 2 and Automation Innovation (Notes Jan 28 – Feb 3, ’19) February 19, 2019

Posted by Anthony in Altucher, Automation, education, experience, Founders, global, questions, social, Uncategorized.
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After the short post and notes from the prior week, this one was chock full of Strictly VC episodes. I also caught a bunch of Wharton XM on innovation in automation and various questions as to its applications in novel ways (and old industries).

The first up was a fascinating innovation in agriculture discussion with a professor working at UC Davis. Oenology has so many levels to it, from climatology, viticulture to how and when to harvest along with the chemistry. Innovation using automation and AI should be able to capture a lot of value in the whole chain, all the way to the distribution and end consumers. Reduction of variability was the big takeaway here. I do wish there were more weekend days to explore wine to fully immerse, but alas, we have 2 or 3.

Kamal finished his talk with Harry Stebbings on 20min VC to discuss the future of VC and how he sees the best business done. Hands-on, smaller funds believed to be better and to work on solving the problems that keep founders up at night. Those are most exciting.

James Bell, Kia Motors’ Director of Corp. Communication and Social Media, discussed his takes on autonomous vehicles over the next 5+ years and how they’re likely to be constrained to cities. Probably reduced speeds ~25-40mph and that even if they show up, it’ll be a challenge to get adaptation on the vehicle side as well as humans adjusting. Complete network of autonomous would be easy – humans add the variability that throws wrenches into the equation.

Then, we had Chad Fowler and Matt Hartman (Director of Betaworks). Peruse the notes below to see how those went

  • Innovation in Agriculture (UC Davis professor) – Work of Tomorrow

    • Talked about automation on acreage for vineyards
    • 33% variability in vines across many acres, AI can reduce variability which allows for better management
      • Migrant patterns changed of laborers, pricing for pickers up to $42+/hr avg
      • Tough to get teams of 32+1 team lead consistently
    • Automation / machine pickers are ~5 year break-even, $18k in cost initially per acre and can drop after
  • Kamal Ravikant Part 2 (20min VC 078)
    • Future of VC
      • Competing for talent, entrepreneurs – AngelList, etc
      • Value add more in the recent time – they didn’t do anything before
      • Give the entrepreneur the power – not just another company of the portfolio
      • Smaller funds that will do better: Vast VC in NY, Kent Goldman (board observer at his old co), Syndicates, Ferriss, Jason Calacanis, one-off funds over bigger VC’s, Rick Morini
    • Shares deals with many of his friends that he’s talked to and approached (entrepreneurship)
      • Questions include understanding the product, team, burn rate, distribution
    • Fundamentally solving a problem (keeps you up at night)
    • Book of the biggest influence – The Alchemist, The Little Prince, Hemingway, Great Work of Your Life – Cope
    • He’d play more because he spends too much time writing / working
      • Altucher as the Oprah of the internet – (Told Stebbings to avoid college and build one in Guam)
    • Inspiring leader – Elon Musk (putting his own money on the line), Naval (his brother) and putting steps to build it – power, AngelList
    • Most recent investment – Bolt – uncapped, Dan Sharp founder, payments (something he wanted to solve)
      • Interviewing each other – did it to guarantee value add
      • Can’t invest into social good or impact because it doesn’t return all the time (to pitch to his LPs)
    • Lost a lot of his money in the old company after he burned it all
      • Level of responsibility for his LPs – not wasting, has a fiduciary responsibility for building the company
  • Chad Fowler, CTO at Wunderlist (20min VC FF016)

    • App of the year, writer
      • From the founder – ‘simplicity, design’
      • Removed everything that they could, what else could they take out
      • Why business software is broken? – self-defeating, fear-based negotiation tactics that they need it
        • Ask for everything you could possibly ever want (and if the vendor can’t say yes, then you drive down price)
    • Tech (into video games) from music (forming and writing – ‘on hold’ for 20 yrs)
      • Same mindset for tech as music – we don’t enter music for a job – you do it because you want to bring something special
    • At LivingSocial in DC, InfoEther (his co) was a talent acquisition, became a VP of Eng and took over role of CTO
      • Approached by friends in Berlin shortly after that
    • Living in Berlin / Europe – completely disconnected in the 90s but no longer in 2010s
      • Still cultural issues that may be disadvantaged – bit more behind, conservative
      • He mentions he loves the cultural and international aspect of Berlin (US, as well) but cheaper
    • He believed that the piece of software is done – the client product is done – simplicity guardians
      • Wonderlist should be the glue that recognizes or allows input for everything across your life
    • Most requested features: folders
    • Same general operations once acquired by Microsoft – operating in Berlin still, staying with the teams, etc…
    • Fav book: E-myth Revisited – why small businesses fail, strategic/systems from own career thru running company
    • At GE, started a development center in Bengalore – new, cultural uncomfortable place taught him a ton
  • James Bell, Director, Corp Comm & Social Media at Kia Motors America (Launch Pad, WhartonXM)
    • If he had to put a number on autonomous – caveat: cities or districts, maybe 5-6 years
      • Slower, 25-40 mph congestion reduced but autonomous allowed – no humans
    • Humans add the element of randomness & variability that change autonomous cars 
      • How’s a car going to treat the randomness of a human in the road or other humans
      • How will people react to cars without drivers (videos of seat-outfitted drivers at crosswalks)
    • Talked about buying the first hybrid early on and how many questions he got in general
      • Likened that feeling to what it may have been like after cars showed up post-horse/buggy
      • Inflection points of becoming ubiquitous
  • Matt Hartman, Betaworks Weeks, Director of Seed Investments (20min VC 078)

    • Prior to Betaworks, he was co-founder of ReferBoost
    • Went to b-school, worked at Hot Potato, consumer social network acquired by Facebook
      • Went back to school and started a real estate platform
    • Betaworks – consumer internet companies with Bitly, Dots, giphy
      • 100+ people on 10 different companies, outside financing and get a bigger space if they’re building
      • Employee is under Betaworks until companies – can do seed stage, as well
    • Why seed investment side? Building, shaping and figuring out the network approach
      • Loves working on different things for different companies in the day-to-day
      • Twitter becomes much more about news vs Facebook for friends – iterations and bilateral
      • Snapchat is 1:1 but 1:many, lower friction vs Instagram that keeps it there (not 1 hour or 24 hours)
      • Habit forming activity
    • Conversations on ProductHunt were normal conversations among product designers – network structure enabled community growth
    • Meercat – one of the best product launches he’d seen (though they didn’t invest)
      • Product was well done and more tightly integrated than Periscope, really good time
      • Meercat is not great in real-time – comments / questions won’t work great for video compared to others
    • Instapaper – Betaworks co – was going through articles in audio form
      • Was consuming 6 hours of reading just in his day-to-day with lunch, walks, commute
        • Found time in listening channel
      • Native audio ads already has straightforward monetization structure
      • Multitasking can be pretty useful for being conversions in listening
    • For deal-sourcing, he gets them through coworkers’ network (people at Betaworks)
      • ProductHunt has been one that initiates deals
    • Productivity tool Drafts? – input box for notes (opens API to do add anything macro-related)
    • DigDeeper (Instapaper) – notes from twitter compiled
    • Ryan Leslie’s Disruptive Multimedia (always available via twitter/phone)

New Year, New Reflection! (Notes from Dec. 31 – Jan 6, 2019) January 24, 2019

Posted by Anthony in Automation, experience, finance, global, questions, social, training, Uncategorized, WomenInWork.
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This was a bit of a chaotic work week in that nobody wanted to work and if they were trying to get back into a groove, it was the cause of a chaotic schedule. Enter a consultant’s toughest week to manage, at least mine.

Since this covered the New Year’s festivities, I suppose I’ll share some goals for 2019.

1. Finish a minimum of 5 of my daily showers for the week with > 1 min of cold-as-it-will-get water
I used to do this each morning ahead of work when I had to be in the office by 6:00am and left the house ahead of 5. Definitely woke up me up and wasn’t as painful as most expect. Then you’re used to it, and a warm shower feels wonder (not even hot).
2. Complete a book every other week.
I finished Meditations by Marcus Aurelius. Now on to All the Lights We Cannot See. I may purchase The Border for after that, but I do have a few other books I could go with. I do think reading provides me a great end to my night and keeps me reflecting, while learning.
3. Following Jason Helmes (@anymanfitness) plan for working out and diet (mainly this). Simple, straightforward, familiar (did 5×5 a few years ago) but really, it’s the diet. Minimizing carbs on the days off and carbs can equal fat on the days that you do work out. Doable – I’m in 2+ weeks and feel great on 2 meals a day (had been doing this, outside of the holidays, for ~4+ months).
4. Make it to at least 1 networking event every month.
Between Smartly MBA networking stuff or FinTech and my data groups, this is totally doable. The “tough” part is wanting to get out to the South Bay or the city SF for the events on weekdays. It’s written and on the internet, though, so this is accountability!

Those are what I’ve decided thus far – we’ll see how they complete (follow along the books on my book page Books List!). Cold showers – maybe I’ll do a quick app / tracker thing for that. I skipped Sunday / Monday this week but was back today. Work outs, I’ll post the Google Doc (past few weeks have been de-loading). I also have pictures, but I’ll have to decide on releasing that. Networking part? TBD – probably list people I met / talked to on Twitter.

Intelligent application is the theme for today! Even in the notes from my segments.

  • Alexi Robichaux (@arobichaux), BetterUp CEO (Work of Tomorrow?)

    • Seeking a better, more “meaning” work and life. 
    • professional development wasn’t the core – it was instead, personal, internal development that keyed growth
    • High stress, anxiety and depression leads to hours of lost productivity in workplaces – despite increased awareness
  • Jonathan Matus, Founder CEO of ZenDrive (WhartonXM)

    • Using smartphones to make driving smarter
    • Wasn’t sure how to do it initially, really wanted his co-founder Pankaj as the smartest/technical person (worked before)
      • He didn’t realize (and lucked out) that the culture of who he wanted to join was as important
      • Hadn’t thought of that
  • Rachel Drori, Daily Harvest Founder (Launch Pad, Wharton XM)

    • Being a mom and wanted to find an easy way to easy, convenient way to use the freezer
    • Farm-frozen, organic fruit and superfoods with one-step, no-mess recipes.
    • Issue with other delivery services – may not use everything, goes bad – time as constraint
    • Still low-maintenance, but premium product

Keep asking “what’s next?” May 9, 2016

Posted by Anthony in experience, questions, social, Uncategorized.
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Been a while since I posted anything, but that’s not for lack of material. My mind has raced, and I’ve had a number of drafts that I saved and left to the side. They didn’t seem quite right.

A list of problems that cyclically affect everyone that could use (better) solutions – of which I am working on one.

  • Traffic: especially in the Bay Area, where there appears to be more and more cars on the road each day.
    • Hard fix: A friend of mine & I joke that Musk should simply work on infrastructure in the form of a “Tesla Road” that was built on top/above existing roadways. It would appear we are headed for autonomous cars as a larger percentage within the next 3-5 years. Infrastructure could create an environment that would entice a majority of people to switch to automated cars, eliminating the minor parts that cause the initial build-up of traffic.
    • Simple fix: release the brake #RTB. It appears that too many people love using a pedal – if it’s not the gas, it has to be the brake. So wrong! Japanese researchers recreating shockwave traffic jam – simply by a brief brake or slowdown. It appears that few people have been taught (or put into action) that speeding up briefly and braking behind a slower car simply doesn’t save any time, and causes time in traffic for everyone else with an application of their brakes. Selfish. People do this when switching lanes (brake and go) or exiting off ramps. Release the break and your brake pads, people behind you, and your foot will thank you.
  • Personal finance: Credit card debt, better investing, mortgages or even small business loans.
    • I have done work with a fintech company that attempts to create an effortless process to personal lending. Granted, effortless is subjective. Growth in the industry as a whole seems to stagnant, despite a plethora of companies that have jumped in, due to a combination of minimal profit margins (investors are prioritized) along with a lack in the creative sense to alter the public’s general understanding of WHY these companies are helpful.
    • The biggest example today of a failing company in the space is how hard Lending Club has been hit since its IPO, punctuated by the resignation/firing recently of their CEO and founder. Link to CEO resignation May 9
    • From what I gather, the industry as a whole needs to focus on the education for why someone/anyone SHOULD look into how debt restructuring can be a positive thing, but it takes time and pointed goals. As it stands, unless someone does their due diligence or had a friend talk about one of these companies, many just hope for the best and don’t want to spend the time to educate themselves.
    • With a potentially impending social security / pension shortage with the increases in health and aging, this education will be paramount in coming years. Additionally, when the US doesn’t seem to care about furthering the budget into the red, why should any of its citizens care? That scares me a bit more – the possibility of an event cratering the credit system due to rates/QE and a carelessness thought of ‘too big to fail’. Technology bubble in early 2000s was (mostly) limited to stock market and companies that were popping up. Housing crisis in 2008-2009 affected many more people, but ‘only’ threatened the system. A credit shock would threaten the global set-up.
  • Education: the way that high schools and universities push forward does not appear to be as efficient a major system that educates the masses should be
    • I was lucky and had a scholarship for tuition before I took a gap year my Junior year at UC Berkeley, so my family and I were spared that expense. Up until the start of 2016, I was paying the [small but not insignificant] loans off that I took out for housing / books / living expenses from my first 2 years at Cal, totaling a minuscule (comparatively) $12k. My senior year, I paid for my final 2 semesters and a summer of tuition and saw that they were between $4500 and $5000 each, right before the big hikes of the UC System. When there are more and more applicants each year applying to the awesome and improving UC’s, the regents still decided to increase tuition for undergrad nonresidents. For the whole story from last year’s Regents Last year’s undergrad resident tuition was a base of $11,220, plus whatever the total is now for student fees / taxes. That’s an increase of over 7% in the 4 years that I’ve been out, well surpassing that of inflation over the time frame. Eesh.
    • I’m torn and haven’t seen / heard, but I believe that universities should be set up more like a vocational-type, where students enter needing work credits for graduation, either working for a company aligned with their major or through a mentor of some sort. Yes, many students do this anyway, but I feel like where universities should give advantages to others would be in the way that this could be set up. If students have active work experience from the onset of their freshman year over a semester or summer, more people would know if they wanted to continue down that path or switch.
    • In a world that appears like we’re driving toward an automated approach for many things (if we can figure out how to do so), then many jobs will be expired at some point, maybe in this lifetime. Having the necessary work experience and knowledge of multiple fields may be beneficial in the long run.

Now, I was going to include another bullet about misinformation, but I can save that for another post. I plan on making this push in momentum to continue posting about how I may improve or reach out to figure out how to inform myself of progress in these areas. And I encourage everyone again, #ReleaseTheBrake

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