👋 I'm Ken Metral, founder of Cosmico. I'm a serial entrepreneur and passionate technologist. I have 20+ years of experience with degrees in IT, MIS, and an MBA from Florida International University.
Finance
Credit card debt in the United States has reached unprecedented levels, with significant variations across different states. As of the third quarter of 2024, the average credit card balance per cardholder was $6,380, marking a substantial increase from previous years. Top 3 States With the Highest Credit Card Debt
Leadership
Steve Jobs, co-founder of Apple, was renowned for his innovative leadership and exacting standards. A key strategy he employed was the 10-80-10 Rule, a framework that balances delegation with oversight to achieve exceptional results. Understanding the 10-80-10 Rule The 10-80-10 Rule divides the project process into three phases: 1. Initial
Real Estate
Homeowners' associations (HOAs) often enforce rules to maintain community standards, but certain rights are protected by law, limiting their authority. Understanding these protections can help homeowners navigate HOA regulations effectively. 1. Displaying Satellite Dishes and Antennas Under the FCC's Over-the-Air Reception Devices (OTARD) rule, HOAs cannot prohibit
Entrepreneurship
Starting a business doesn't always require a hefty investment. Some ventures can be launched with minimal resources by leveraging your skills, creativity, and access to online tools. Here are 6 examples of businesses you can start with no upfront costs, including real-world examples and tips to get started.
Education
Every moment, you are creating the story of your life. But is it a story worth remembering? To make a lasting impact, you need to think beyond today and imagine a future shaped by your choices. These simple ChatGPT prompts can guide you in creating a meaningful legacy. Here are
Artificial Intelligence (AI)
Amazon is developing a generative AI model, codenamed Olympus, capable of processing images, videos, and text. This initiative aims to reduce Amazon's reliance on external AI providers like Anthropic, whose Claude chatbot is popular on Amazon Web Services (AWS). Olympus will enable users to search for specific video
Startups
Jay Graber, born in 1991 in Tulsa, Oklahoma, is the CEO of Bluesky, a decentralized social media platform redefining how people connect online. Her upbringing reflects a mix of cultural and intellectual influences that have shaped her visionary approach to technology. Graber's mother, an acupuncturist who emigrated from
Real Estate
The average rate for a 30-year fixed mortgage in the United States has dipped slightly to 6.81%, offering a small relief to prospective homebuyers amid a challenging real estate market. This follows a modest decline from the previous week's rate of 6.85%, according to data released
Artificial Intelligence (AI)
Alibaba has stepped into the spotlight of advanced AI reasoning with its latest release, the QwQ-32B-Preview model. Designed to challenge the capabilities of OpenAI's o1 reasoning model, this AI model focuses on excelling in complex logical and mathematical reasoning tasks, positioning Alibaba as a strong competitor in the
Artificial Intelligence (AI)
Researchers at the Massachusetts Institute of Technology (MIT) have developed an innovative algorithm to enhance the training efficiency and reliability of reinforcement learning models, particularly for complex tasks with inherent variability. This advancement holds significant potential for applications such as intelligent traffic control systems. Challenges in Reinforcement Learning Reinforcement learning
Business Insights
Big Tech’s dominance is set to crumble in 2025, as growing criticism from regulators, investors, and the public highlights the pitfalls of centralized, surveillance-driven business models. What once symbolized innovation and progress now faces an existential reckoning. The end of this era might just pave the way for a
Food
Two of London's historic markets, Smithfield Meat Market and Billingsgate Fish Market, are set to close permanently by 2028. These iconic trading hubs, which have operated for centuries, will cease operations following a decision by the City of London Corporation to withdraw its support. A Rich History Smithfield