My HN username is also my gmail. I've got most of the stuff you mentioned, including unencrypted copies of US tax returns (with SSN) and house buying paperwork.
> I used to reach out and tell them I didn't sign up for their service. But honestly, after doing it for a few years I gave up.
Same here. It's surprising that most of the services don't use double-opt in before sending emails.
Some day, I want to use an LLM to identify those emails and label them.
The deal isn’t always about the price. For example, a $1M house bought with $100K down and $900K mortgage is a worse deal for the seller as compared to $500K down and $500K financed. Assumption here is that it is more likely to get a $500K loan irrespective of the appraised value of the house.
A lower all cash offer (say $975K) is likely a better offer for the seller because it reduces the risk for them and closes the transaction much quicker than a mortgage transaction.
I have been a buyer in two transactions where my offer was slightly lower than the highest bidder, but with better terms.
As a home buyer, I've been beaten many times by an all-cash offer that was significantly lower than my financed offer. For example, a $450K all-cash offer where they'd close in 7 days beat my $525K 80/20 offer where it would have taken me 25+ days to close.
This makes sense for the seller depending on how often a financed offer falls through. Our agent mentioned that in Amsterdam for example over 1/3rd of the offers with a financing condition fall through. And they do so weeks after the signing of the agreement so it costs the seller significant time and money.
With such a high chance of not actually getting the sale done, sellers are motivated to take 475 immediate cash instead of 525 with a 1/3rd risk of having to do it all over. Especially if they need the cash to buy their next home.
> I've been beaten many times by an all-cash offer that was significantly lower than my financed offer
Note that all cash commonly means no financing contingency. I put in an all-cash offer and financed it. I just didn’t have an out if I couldn’t find financing I liked. (Legally.)
> a $1M house bought with $100K down and $900K mortgage is a worse deal for the seller as compared to $500K down and $500K financed.
Do sellers in the US know how large your down payment is? AFAIK that's not a thing in Canada. Offers either have a financing condition, or don't. If the offer doesn't have a financing condition, the buyer might be paying cash. But they could just be trying to present an offer with better terms, gambling that they'll definitely find financing somewhere or the other.
HTML emails were there before, but I agree that fast UI and threads was a step up from Yahoo or Hotmail. Labels instead of folders, username+wildcard@ email addresses, filters (at least the UX was better than traditional rules). They also enabled POP and IMAP. IIRC, IMAP used to be a premium feature for email providers at that time.
I’m not sure about revolution, but e-mail can certainly be evolved.
20 years ago, not as many emails were sent, especially transactional emails. User behavior has evolved since then.
For example, storing email receipt of a random Amazon order from 2 years ago doesn’t make much sense these days.
Hey has addressed some of these changes, but there is a lot of room for improvement.
To be fair, if the GPT creator doesn’t do a good job of explaining the GPT, you can’t really tell even if you pay $20. The only way is to try out the GPT and hope you hit the right features. Chat is a pretty bad interface to discover features.
I end up creating multiple threads “frontend”, “backend”, etc. but a GPT for the whole project is a great idea!
How do you keep the GPT updated so that it knows about the final decision made for a specific problem. Like if api schema changes or the db is moved from SQLite to Postgres.
