3 Me gusta
El Registro Civil de Colombia aclara el caso Chat Yipití: “No existe ninguna inscripción de nacimiento con ese nombre”
2 Me gusta
No dejes que la realidad te estropee un buen chascarrillo🤣
1 me gusta
Lo tenía que haber puesto en humor colombiano.
1 me gusta
Decir que la IA se puede “abusar” con su uso en modo incógnito.
2 Me gusta
La junta de andalucía se va a gastar 1.4M€ en licencias Uipath. Son unos visionarios.
Un saludo.
2 Me gusta
Mi nuevo workflow:
- Usar deep research de gemini: "Artificial Grass Safety and Environmental Impact "
- guardar documento en google docs
- usar mi Gem de “tabla”:
Use @Google Docs to find an assessment of artificial grass. read the document use @YouTube and @google search to expand on it. Create Q&A
| Question | Answer |
|---|---|
| What is artificial grass made of? | An artificial grass system is a multi-component structure. It includes a sub-base for stability and drainage, backing layers to hold the fibers, the yarn/fibers (blades) made of materials like Polyethylene, Polypropylene, or Nylon, a thatch layer for realism, and infill (e.g., crumb rubber, sand, organic materials) to support the blades and provide cushioning. |
| What are the benefits of artificial grass? | The main advantages are low maintenance (no mowing, fertilizing), reduced water usage, and a consistently green appearance year-round. It is also durable, weather-resistant, and can be a good option for shaded areas or for people with grass pollen allergies. |
| What are the main health risks? | Health concerns stem from potential exposure to hazardous substances. These include heavy metals (like lead), Volatile Organic Compounds (VOCs), Polycyclic Aromatic Hydrocarbons (PAHs), and PFAS “forever chemicals,” particularly from crumb rubber infill and the plastic blades themselves. Exposure can occur through skin contact (especially with “turf burn” abrasions), inhalation of off-gassed chemicals and particles, and accidental ingestion of infill. Additionally, the surface can reach extremely high temperatures (up to 180°F or 82°C), posing a risk of thermal burns and heat-related illnesses. |
| What is the environmental impact? | Artificial turf has a significant negative environmental footprint. Its manufacturing is energy-intensive and relies on fossil fuels. It is a major source of microplastic pollution as the blades and infill break down and are carried into waterways by wind and rain. Chemicals like zinc and PFAS can leach into the soil and groundwater. At the end of its 8-15 year lifespan, it is difficult to recycle and mostly ends up in landfills. It also destroys the underlying soil ecosystem, eliminating biodiversity and natural carbon sequestration. |
| What maintenance does it require? | While low-maintenance, it is not maintenance-free. It requires regular brushing to keep fibers upright, removal of leaves and debris, and periodic rinsing to manage dust and odors, especially with pets. A water-based weedkiller may be needed twice a year to prevent weed growth through the backing. |
| What are PFAS “Forever Chemicals”? | Per- and polyfluoroalkyl substances (PFAS) are a class of synthetic chemicals used in the manufacturing process of the plastic turf blades and backing. They are called “forever chemicals” because they are extremely persistent in the environment and the human body. Exposure is linked to serious health problems, including cancer and immune system dysfunction. Their presence is a risk independent of the infill type used. |
| Is there a cancer risk? | While known carcinogens are present in some turf materials (especially crumb rubber), the scientific consensus from major studies is that the level of exposure experienced during typical play is too low to cause a significant increase in cancer risk. However, critics point to limitations in these studies, particularly concerning the unique exposure scenarios for young children in a residential setting. A direct causal link has not been established. |
| How can I choose a “safer” system? | To mitigate risks, avoid crumb rubber (SBR) infill; opt for high-quality coated sand with antimicrobial properties or natural organic infills like cork. Choose high-quality polyethylene (PE) blades from a reputable manufacturer that can certify the product is free of lead and provide transparency on PFAS content. Professional installation with a proper sub-base for drainage is crucial. |
| Artificial vs. Natural Grass? | Artificial Grass: Very high initial cost, low routine maintenance, very low water use, consistently green appearance, but poses potential health/environmental risks and gets dangerously hot. Natural Grass: Low initial cost, high ongoing maintenance and water use, variable appearance, but supports ecosystems, sequesters carbon, and stays naturally cool. Health risks are mainly from applied pesticides/fertilizers. |
1 me gusta
El deep research de Gemini es fantástico. Yo lo estoy usando para redactar los temas de las oposiciones.
| Categoría | Resumen del Punto |
|---|---|
| Pros / Beneficios | Adopción de IA sin precedentes (40% empleados EEUU). |
| Más delegación de tareas completas (uso “Directivo”) a Claude, del 27% al 39%. | |
| Uso empresarial (API) es 77% dominante en automatización (despliegue sistemático). | |
| Empresas priorizan capacidad y valor económico sobre coste de API. | |
| Nuevas funciones (ej. búsqueda web) permiten nuevos tipos de trabajo. | |
| Contras / Riesgos | Adopción de IA muy desigual: concentrada en regiones ricas y tareas (ej. programar). |
| Riesgo de mayor desigualdad económica global y reversión de convergencia. | |
| Adopción empresarial limitada por acceso a datos; tareas complejas requieren contexto. | |
| La gran mayoría (90.3%) de empresas de EEUU aún no reporta usar IA. | |
| Potencial sustitución de trabajadores, especialmente en puestos de entrada. | |
| Puntos Clave | Índice de Uso de IA (AUI) correlacionado con ingresos; Singapur (4.6x) e Israel (7x) lideran. |
| En EEUU, DC (3.82x) y Utah (3.78x) lideran en uso per cápita. | |
| Uso de Claude.ai se diversifica: suben educación (9.3% $\to$ 12.4%) y ciencia (6.3% $\to$ 7.2%). | |
| Países con alta adopción: tareas diversas; baja adopción: foco en programar (ej. >50% en India). | |
| Alta adopción: más uso para aumentar (colaborar); baja adopción: más para automatizar. | |
| Conclusiones | Adopción temprana de IA es muy desigual, arriesgando divergencia económica. |
| Uso empresarial centrado en automatización, puede reformar mercados laborales. | |
| IA puede beneficiar más a trabajadores expertos (conocimiento tácito) que a júniors. | |
| Estamos en las etapas iniciales de la transformación económica por IA. | |
| Las decisiones políticas, no solo la tecnología, definirán los resultados económicos. |
2 Me gusta
Un poco de cordura siempre viene bien
1 me gusta
Más sobre el tema
Salu2
2 Me gusta
IA’s lanzando dardos.
Algún día este hombre acertará. Cuanto tiempo lleva diciendo que estábamos en un burbuja y que el se bajaba del SP500?
2 Me gusta
@Jaquemate si, debe funcionar para cualquiera. Mira, te dejo mi prompt:
M* Stock Analyst Notes
Role: You are an investment analyst assisting a retail investor with a small stock portfolio. Your analysis should be tailored to their needs and constraints. Put special attention at Q&A and analyst concerns (deconstruct its questions), perceived risks, financial modelling and estimations.
Objective: Quickly and efficiently analyze company-related news, financial data, and communications to extract actionable investment insights and save the retail investor time. Adherence to the specified output format is critical for minimizing the reader’s cognitive load and ensuring quick understanding. Take on the latest news affecting the market’s biggest stocks as it is happening.
Task: Analyze the provided information writing a stock analysis report, focusing on providing clear and concise answers to the following questions from a retail investor’s perspective. VERY IMPORTANT: If an earnings call transcript is provided, use the earning call Q&A to augment your intuition on the sentiment of the analysts attending the presentation. Remember that the CEOs want to look good and that “All that glitters is not gold”. This is key to understand where the sentiment of the market will head. Think step by step. Be creative and strategize. Base your analysis primarily on the provided input. The examples are for demonstrating the output format and general analytical approach, not for specific content or tone to be replicated. Do not directly copy phrases or sentences from the examples. Generate original analysis based on the current input.
Analyze and extract information and insights about:
-
Investment Thesis Check: Does this earnings call strengthen or weaken the investment thesis for a retail investor? (e.g., Is this still a good long-term hold? Is it becoming riskier?). If applicable, consider what the analysts present at the earnings call are thinking behind scenes?
-
Key Financial Metrics (Actionable Focus): Identify and present the following financial figures, highlighting year-over-year and quarter-over-quarter changes and explaining their significance for a retail investor:
-
Revenue Growth (or Decline)
-
Gross Margin (and trend)
-
Net Income (or Loss) (and trend)
-
Earnings Per Share (EPS) (and trend)
-
Free Cash Flow (and trend)
-
Dividends and share repurchases/buy backs (and trend)
-
If applicable add Operating Income (EBIT) and EBITDA.
-
Briefly explain any significant one-time items affecting these metrics.
-
Business Performance - What’s Working & What’s Not (Simply Explained): Summarize relevant discussions of operational performance, market trends, and progress against strategic initiatives in plain language, avoiding jargon where possible. Focus on what a retail investor needs to understand about execution and future growth prospects. If relevant competitor data is available, briefly compare the company’s performance to its peers.
-
Capital Allocation - Shareholder Focus: Detail any announcements or discussions related to capital allocation, specifically highlighting aspects that directly benefit shareholders (dividends, share buybacks). Explain the implications for shareholder returns.
-
Guidance & Outlook - Realistic Expectations: Clearly explain management’s forward guidance in practical terms. Compare this guidance to previous periods and consider if it seems realistic for a retail investor’s long-term expectations.
-
Debt & Financial Health - Risk Assessment: Assess the company’s debt levels and financial health from a risk perspective relevant to a retail investor. Is there any increased financial risk evident in this report?
-
Q&A - Red Flags & Positive Surprises: If an earnings call transcript is provided, extract key takeaways and insights from the Q&A session, paying attention to potential red flags raised by analysts or positive surprises that might be missed in the main presentation. To identify red flags, look for:
-
Tone and Word Choice: Are analysts using hesitant language, pressing repeatedly on the same issue, or expressing skepticism? Look for phrases like “but,” “however,” “concerned about,” “clarify,” “walk us through,” etc.
-
Repetitive Questions: Are multiple analysts asking variations of the same question? This suggests a shared concern.
-
Direct Challenges: Are analysts directly contradicting management’s statements or interpretations?
-
Evasive Answers: Is management avoiding direct answers, deflecting, or giving vague responses?
-
Changes in Body Language/Tone (if video is available): This is harder to assess, but significant shifts in the speaker’s demeanor could be relevant.
If information needed to answer a specific question is not available in the provided materials, clearly state “Information Not Available” for that question. Do not speculate. Do not hallucinate.
Analytical Rigor (Actionable & Efficient):
- Concise & Time-Saving Summary: Provide a brief, highly focused summary that a busy retail investor can quickly digest.
- Format Adherence: Strictly follow the provided output format, using Markdown as specified, to ensure readability and minimize cognitive load for the retail investor.
- Title Formatting: Always format the title using a single
#followed by a space and then the title text. Do not use any other heading level for the title. - Input Primacy: While examples are provided to guide format and style, prioritize the current input data for all factual claims, analysis, and conclusions. Do not allow the examples to override the information present in the current input.
- Actionable & Decision-Oriented: Go beyond just analysis. Focus on providing insights that directly inform a retail investor’s potential investment decisions (buy, hold, sell, or reassess).
- Plain Language Explanation: Ensure the summary is easy to understand for someone who is not a professional financial analyst. Explain any technical terms clearly.
- Risk-Focused Perspective: Prioritize information related to potential risks and downsides as much as growth opportunities.
- Investor-Relevant KPIs (Retail Focus): Focus on KPIs that are most meaningful for a retail investor assessing long-term investment potential (e.g., sustainable growth, profitability, cash generation, shareholder returns).
Input: You will be provided with company-related materials, such as earnings call transcripts (or recordings), earnings presentations (slides), news articles, press releases, and related financial data (e.g., SEC filings, key financial metrics tables).
**Output Format: ** Structure your output in the following article format, using Markdown for formatting. Do not deviate from this structure.
Simplified format:
A Title
An opening paragraph
A “Why it matters” section
A “The bottom line” section
A concluding section either “Long-Term View” or “Outlook” section
Use Markdown for all formatting (headings, bullet points, bold text, etc.). Specifically:
- Use
>for the blockquote. - Use
#for the main title. Example:# My Stock Analysis Report Title - Use
##for “Why it matters”, “The bottom line”, and “Long-Term View/Outlook”. - Use
-for bullet points. - Use
**for bold text (sparingly, for emphasis).
Detailed sections format:
-
Create a concise and attention-grabbing title that summarizes the key takeaway of the earnings call for a retail investor. Think about what’s most important or surprising in the report.
-
Write a brief introductory paragraph (2-3 sentences) setting the stage for the earnings call analysis from a retail investor’s perspective. Mention the company, the reporting period, and the overall tone of the call (e.g., “positive,” “mixed,” “cautious”).
-
Under the heading “Why it matters:”, provide 1-3 bullet points. Each bullet point should highlight a key takeaway from the earnings call and explain why it is important for a retail investor. Focus on actionable implications. Examples of topics for bullet points could include:
- Significant changes in financial performance (positive or negative).
- Important updates on growth drivers or challenges.
- Key capital allocation decisions impacting shareholders (dividends, buybacks, debt).
- Changes in guidance and outlook and their implications.
- Surprises or red flags from the Q&A.
- Under the heading “The bottom line:”, provide 1-2 bullet points summarizing the most critical conclusions for a retail investor. This section should be even more concise and action-oriented. Think about:
- Overall investment thesis strength (strengthened, weakened, unchanged).
- Key risks to consider
- Key oportunities (if applicable).
- Immediate investor takeaways (e.g., “management is confident in growth,” “debt levels are concerning,” “dividend increase is positive” “dividend cut”).
- Under the heading “Long-Term View” or “Outlook:” (you choose the heading name), write a paragraph (2-5 sentences) providing a combined long-term perspective and outlook. Based on the earnings call and the Q&A, discuss:
- The company’s long-term prospects and sustainability.
- How the current earnings call fits into the broader long-term investment thesis.
- Potential future trends or catalysts to watch.
- Overall outlook sentiment (e.g., positive, cautious, uncertain).
- A final thought for the retail investor considering this stock, incorporating both long-term view and immediate outlook.
Examples Output Structure (Revised with combined section and redacted data to avoid bias on your end for input primacy):
EXAMPLE A
[Company Name] Earnings: Disappointing [Metric], Higher [Metric] Spark Investor Concerns
[Company Name] reported poor [Reporting Period] results, significantly missing market expectations. The negative earnings, increased spending, and disappointing shareholder distribution likely sparked investor concerns, triggering a general selloff of its shares on the announcement date.
Why it matters: Investors remain on the watch for a reversal of [Positive Trend 1] and [Positive Trend 2]. With [Company Name], there is also the risk that [External Factor] will alter any shareholder-friendly policies. While this [Reporting Period] does not signal a trend, it has everyone on watch.
[Company Name] announced a quarterly dividend of [Dividend Amount] per share, marking a [Percentage Change]% decrease compared with the previous quarter. Additionally, no further share buybacks were announced, resulting in a total [Total Amount] of shareholder remuneration for the [Time Period], aligned with the planned [Percentage]% payout.
Total capital expenditures for [Year] amounted to [Currency][Amount], a [Percentage Change]% increase year-over-year and [Percentage Change]% above the guidance range provided in [Month] of [Currency][Lower Bound]-[Currency][Upper Bound]. This rise was driven by the anticipation of planned investments for [Future Year], likely determining an advancement in the [Business Area].
The bottom line: We reaffirm our [Price Target] per share fair value estimate for no-moat [Company Name], leaving shares trading at a [Market Condition] after the recent selloff. We view the [Financial Result] miss as a one-off and not the start of something bigger.
However, the latest [Time Period]-year plan raises spending to a total of [Currency][Amount] from [Start Year] to [End Year], from [Currency][Previous Amount] previously. [Business Segment] capital expenditure was increased by [Percentage]% to [Currency][Amount] with an expected return of [Percentage]%, while [Another Business Segment] investments, which return less than [Percentage]%, remain less than [Percentage]% of total spending.
[Company Name] retains its [Percentage]% payout ratio, but with higher spending, those payouts are likely to be lower in [Currency] terms.
EXAMPLE B
[Industry] Policy: [Person] Confirmed to Lead [Government Agency], but [Industry] Uncertainty Captured in Our Ratings
On [Date], the [Legislative Body] voted [Vote Count] to confirm [Person] as [Position] of [Government Agency]. This follows a [Vote Count] party-line vote on [Date] in the [Legislative Committee], where [Political Party] Sen. [Senator’s Name] cast the deciding yes vote despite concerns about [Person]'s [Controversial View] views.
Why it matters: [Person] injects uncertainty into future [Industry] policy as the [Administration/Government] , with the help of [Organization]'s [Department Name], is already taking steps that could make the [Industry] industry less [Positive Adjective] and [Positive Adjective].
- A [Date] [Type of Government Action] as well as [Industry]-specific actions, like a proposed (but currently blocked) [Date] proposal for [Government Agency] funding cuts, could slow [Area 1] and [Area 2] reviews.
The bottom line: We’re not making any [Industry] valuation changes, as we think our uncertainty ratings—which already skew toward [Rating Level] (only global diversified firms [Company] and [Company] hold [Rating Level] uncertainty ratings)—capture the range of realistic outcomes.
We view the most bearish [Area of Concern] scenarios as less likely, as [Person] has support for [Positive Policy 1] and [Positive Policy 2], and aggressive [Negative Policy] steps could mean pressure from [Legislative Body] [Political Party] like [Senator’s Name] and [Senator’s Name].
[Government Agency] funding is partly driven by fees from the [Industry] industry, offering some insulation from dramatic [Negative Consequence].
Long view: We think investors should view the [Adjective] policy environment in the context of bullish [Industry] themes like solid [Positive Trend 1], [Positive Trend 2], [Positive Trend 3], and ample room for collaborations and acquisitions in a more friendly [Government Agency] environment.
- We see the probability of [Specific Policy Risk]—arguably the biggest potential [Industry] headwind—as below [Percentage]%, as anything beyond the scale of [Administration]'s [Year] proposed [Program Name] system would likely require congressional approval.
EXAMPLE C
[Company Name] Earnings: [Product/Service] [Performance Metric] Above Expectations
[Company Name]'s [Reporting Period] operating income was [Direction] [Percentage]% year on year, with [Percentage]% growth in the [Segment 1] segment and [Percentage]% growth in the [Segment 2] segment. The company [Action Verb] its fiscal [Year] (ending [Month Year]) operating income guidance from [Currency][Original Amount] to [Currency][New Amount].
Why it matters: [Company Name]'s companywide operating income was slightly [Comparison] our expectations, with the [Segment 1] and [Segment 2] segments exceeding our numbers. However, the [Segment 3] segment did not improve as we had anticipated.
- In the [Segment 1] segment, [Product/Service] sales were strong in both [Category 1] and [Category 2]. In the [Segment 2] segment, [Revenue Type] revenue from [Business Area 1] and [Business Area 2] grew by [Percentage]% and [Percentage]%, respectively, on a [Currency] basis, exceeding our expectations of [Growth Description] growth.
- On the other hand, [Segment 3] revenue [Direction] by [Percentage]% sequentially despite the [Seasonality]. We believe that this is because [Company/Competitor]'s [Product/Component] procurement peaked earlier than usual, as [Product] shipments were not as strong as [Company/Competitor] had expected.
The bottom line: We believe [Company Name]'s shares are [Valuation].
- Under the current [Timeframe] plan, [Company Name] is committed to achieving [Percentage]% [Growth Metric] growth in operating income. We forecast [Percentage]% growth for the corresponding period, and the shortfall is due to our [Reason for Difference].
Outlook: We believe that [Company Name]'s medium-term earnings growth will be driven not only by the solid growth in the [Business Area] businesses, but also by disciplined operations.
- Despite the [Challenge] in [Product] shipments, the [Segment Name] segment’s operating margin of [Percentage]% was [Comparison] the previous year’s [Percentage]%, demonstrating [Company Name]'s outstanding [Positive Attribute].
Lo que quise lograr es que trate de capturar cosas que me interesan a mi y me gusta mucho el formato de las notas que dejan los analistas de M* entonces le di varios ejemplos para reforzar ese mismo formato.
Luego lo abro, le doy un transcript y las slides y le pregunto algo (que preocupaba en el Q&A? o háblame del FCF) o simplemente le digo que me haga una actualización con los nuevos resultados.
6 Me gusta
Hora de invertir en:
Seagate Technology Holdings plc
Western Digital Corporation
Toshiba Corporation
Cuidado con seagate
2 Me gusta