Finance & Business

mohitagw15856 Skill

Derive a freelance day/hourly rate backwards from target income, honest billable utilization, overhead, and the self-employment tax premium — the arithmetic that proves a rate is not salary÷2000. Use when asked what should I charge as a freelancer, how do I set my consulting rate, why is my freelance rate so high, or convert my salary to a contract rate. Produces the required-revenue breakdown, billable-hours math, the hourly and day rate, and the multiplier vs the naive salary÷2000 number.

mohitagw15856 Skill

Define Service Level Objectives (SLOs) and an error budget policy for a service. Use when asked to write SLOs, define SLIs, calculate an error budget, set reliability targets, or create an error budget policy. Produces a complete SLO document with SLI definitions, target calculation, error budget policy, burn rate alerts, and review cadence.

mohitagw15856 Skill

Write a polite-but-firm payment-reminder / collections email sequence for overdue invoices. Use when asked to write a collections email, a payment reminder, a dunning sequence, or to chase an overdue invoice. Produces a staged sequence — gentle pre-due nudge through escalating overdue reminders to a final notice — that stays professional, keeps the relationship intact, and makes paying easy. Not legal advice.

mohitagw15856 Skill

Run a company event — the launch party, the customer day, the team celebration — as the operation it is: the goal that shapes every choice, the budget with its forgotten lines, the vendor and venue coordination, the run-of-show with owners, and the day-of roles that keep hosts hosting. Use when asked plan the company event, organize our customer day/holiday party/launch event, what am I forgetting for this event, or be the run-of-show for Thursday. Produces the goal-shaped plan, the budget with the forgotten lines, the run-of-show, and the day-of role card.

mohitagw15856 Skill

Build an event budget that survives the event — every cost line including the ones people forget, the contingency sized to the actual risk, and the tracking that shows overspend while it can still be stopped. Use when asked to build an event budget, cost an event, price a conference or wedding, or explain why an event went over budget. Produces the full cost breakdown, the commonly-forgotten lines, the contingency sizing, the payment and cash-flow schedule, the per-head economics, and the variance tracker.

mohitagw15856 Skill

Create a professional, complete invoice for a client or customer. Use when asked to write an invoice, create a bill, draft a freelance/contractor invoice, or set up an invoice template. Produces a clear invoice — your and the client's details, a unique number, line items with quantities/rates, subtotal/tax/total, payment terms and methods, and due date — ready to send and easy to pay. Not tax/legal advice.

mohitagw15856 Skill

Chase an overdue invoice and actually get paid — a firm-but-friendly escalation ladder that protects the client relationship until it's clear the relationship is the problem. Use when asked to chase an unpaid invoice, my client hasn't paid, write a payment reminder, or how do I get a late-paying client to pay. Produces a staged sequence of messages (gentle nudge → firm reminder → final notice → next steps) timed to the overdue days, with late-fee and work-pause options and a note on what to keep for the record.

mohitagw15856 Skill

Define and document performance budgets for a web service or application. Use when asked to set performance targets, define SLOs for latency or throughput, establish Core Web Vitals targets, create a performance baseline, or document performance regression policy. Produces a structured performance budget covering key user journeys, Core Web Vitals, backend latency SLOs, measurement tooling, CI enforcement, and breach response process.

mohitagw15856 Skill

Track a team's budget so surprises die young — the commitment-based view (spent + committed + planned, not just invoiced), the category grain that matches how the team actually spends, the monthly close with its one-sentence read, and the forecast honesty for the year-end question. Use when asked track my team's budget, are we going to blow the budget, why did finance's number surprise us, or set up budget visibility for the team. Produces the three-lane tracker (spent/committed/planned), the monthly close ritual, the variance signals, and the year-end forecast method.

mohitagw15856 Skill

Simulate the client who grinds on your price — the budget theater, the competitor quote, the scope squeeze — against your actual offer, with a debrief on where you caved and what holding would have sounded like. Use when asked simulate a client negotiating my rate, practice price pushback, they said I'm too expensive, or stress-test my pricing conversation. Produces the negotiation transcript with the client's private playbook notes, the deal outcome, and a debrief on every concession with its stronger alternative.

mohitagw15856 Skill

Allocate a finite budget or headcount across competing initiatives by return and strategic fit. Use when asked to allocate budget, decide where to invest, build a funding/portfolio plan, or make trade-offs across initiatives under a cap. Produces a capital-allocation plan — initiatives scored by expected return × strategic fit per dollar, a funded/unfunded split against the cap, the cut line, and the reasoning.

mohitagw15856 Skill

Compare childcare options — nursery/daycare, childminder, nanny, family, or a mix — for your family's real needs, budget, and values. Use when asked to compare childcare options, nursery vs nanny, how to choose childcare, or find the right childcare. Produces a needs-and-values profile, a side-by-side of the realistic options on cost/flexibility/socialization/control, the questions to ask and red flags to check on visits, a total-cost read (including subsidies), and a decision that fits your priorities — not a generic ranking.

mohitagw15856 Skill

Collect overdue invoices with a graduated escalation ladder — friendly nudge to firm notice to work-stop to final demand, each with send-ready wording and timing, plus the prevention terms that stop the next one. Use when asked my client hasn't paid me, write a payment reminder email, invoice is 60 days overdue what do I do, or client is ghosting my invoices. Produces the situation read, the escalation ladder with dates and verbatim messages, the work-stop decision point, and the payment terms that prevent reruns.

mohitagw15856 Skill

The first-72-hours money plan after a layoff — runway computed, deadlines caught, bleeding stopped, in priority order. Use when asked I just got laid off what do I do about money, build my layoff budget, how long can I last, or what needs to happen this week. Produces the runway number, the deadline list (healthcare, unemployment filing, equity exercise windows), the spending triage, and a one-week action checklist.

mohitagw15856 Skill

Treat context switches as the budget line they are — the switch census (how fragmented the week really is), the batching moves that consolidate scattered same-kind work, the calendar defrag that turns Swiss cheese into slabs, and the switch-cost line for saying no. Use when asked my day is fragmented to death, count my context switches, batch my meetings and reviews, or defend against calendar Swiss cheese. Produces the fragmentation census, the batching plan, the defrag moves, and the protective phrases.

mohitagw15856 Skill

Produce a structured budget variance analysis from actual vs budget figures. Use when asked to analyse budget variances, explain underspend or overspend, write a variance commentary, or investigate why actuals differ from plan. Produces a categorised variance table with root cause analysis and management commentary.

mohitagw15856 Skill

Read a garage quote or invoice like someone who can't be padded — which line items connect to your actual symptom, which are while-we're-in-there additions, the questions that make soft lines disappear, when a second opinion pays for itself, and the scripts for declining work without souring the relationship. Use when someone says 'is this mechanic quote fair', 'the garage called and now it's £900', 'do I really need all this', or before authorizing repairs. Produces a line-by-line decode, the callback questions, and the authorize/decline/second-opinion sort. Not a diagnosis — it's the interrogation of one.

mohitagw15856 Skill

Save the group trip from the group chat — budget alignment before anything gets booked (the awkward conversation, scripted), a decision protocol that actually books things, cost-splitting rules with real numbers for unequal rooms and champagne-taste friends, and the it's-okay-to-split-up daytime clause. Use when someone says 'we're planning a trip with friends and it's chaos', 'how do we split costs', 'one friend wants luxury and one is broke', or the trip has been 'being planned' for three months. Produces the budget-alignment script, the decision protocol, and the money agreement.

mohitagw15856 Skill

Define a metric in a semantic layer so it means one thing everywhere. Use when asked to define a metric, build a semantic layer / metrics layer entry, stop 'revenue means three things' problems, or write a metric definition for dbt MetricFlow / Cube / LookML. Produces a metric definition — exact formula, the base measure & aggregation, dimensions, filters, grain, edge cases, and a tool-ready spec.

mohitagw15856 Skill

Plan a deliberate career break — 3 to 12 months off between chapters — with honest runway math, the re-entry story rehearsed before you leave, health/visa/pension admin by country flagged, and kill criteria for coming back early. Use when someone says 'I want to take 6 months off', 'micro-retirement', 'sabbatical planning', 'quit and travel', or 'can I afford a break'. Produces a runway budget, a break charter with kill criteria, and the future-interview answer written in advance.

mohitagw15856 Skill

Write the purchase request that gets approved — the cost-of-not-buying framing, the ROI math at the approver's altitude, the alternatives-considered section that preempts the obvious pushback, and the right-sized ask for the approval tier. Use when asked justify this tool/hire/equipment purchase, write the budget request, my requests keep getting deferred, or make the business case for this spend. Produces the justification memo: the problem priced, the ROI shown, alternatives dispatched, and the ask sized to its approval path.

mohitagw15856 Skill

Set up a chart of accounts and rules for categorizing transactions. Use when asked how to categorize expenses/transactions, set up a chart of accounts, organize bookkeeping, or sort bank transactions into the right buckets. Produces a practical chart of accounts for the business, categorization rules with examples and edge cases, and a clean-books routine — so the books are consistent and ready for an accountant. Not tax/accounting advice.

mohitagw15856 Skill

Turn a renovation idea into a realistic scope, budget, and sequence before you hire anyone — so you go in informed instead of getting sticker-shocked or scoped. Use when asked to plan a renovation, budget for a remodel, how much will renovating [X] cost, or scope my home project. Produces a scoped breakdown of the work, a realistic budget range with a contingency, the sequence and rough timeline, must-decide-early choices, where costs balloon, and what to line up before getting quotes — flagging that local prices and permits vary, so verify with real quotes.

mohitagw15856 Skill

Turn a client's wishes into an architectural brief that can actually be designed against — the accommodation schedule, the adjacencies, the budget reality, and the constraints named before they become change orders. Use when asked to write an architectural brief, prepare a project brief for a building, run a client briefing, or capture requirements for a new build or refurbishment. Produces the accommodation schedule with areas, the adjacency and circulation requirements, the site and statutory constraints, the budget and programme reality check, and the explicit exclusions.

tinyhumansai Skill

Draft an accurate, itemized invoice from delivered work and ready it to send.

tinyhumansai Skill

Design a monetization A/B test that grows revenue without hurting retention.

ai-analyst-lab Skill

Never present a metric or number in isolation; anchor every number to a comparison (prior period, benchmark, or another segment) or state that none is available. Use every time you show a number: rates, counts, revenue, averages, query results, chart labels, summary stats. Trigger on output containing "the rate is", "we saw", "total", "average", "conversion", "revenue", "users", "sessions", "churn", "AOV", "NPS", or any figure pulled from data.

ai-analyst-lab Skill

Classify every analytical request (anything about data, metrics, trends, segments, funnels, revenue, retention, experiments, or "why did X change") into complexity levels L1-L5 and route it before any analytical workflow starts, including follow-ups mid-analysis and chart requests. Simple lookups get a direct answer; investigations get the depth they need. Run this first even when the question looks simple.

stanfish06 Bundle

Expert-thinking profile for Glaciologist (field / remote sensing / ice-core paleoclimate / ice-sheet modeling): Reasons from mass-budget closure (SMB, dynamic discharge, calving), Glen flow law, and subglacial effective pressure through WGMS/GlaMBIE stake networks, ICESat-2/CryoSat altimetry with firn and radar- penetration corrections, ITS_LIVE velocities, ApRES basal melt, RES/MCoRDS bed picks, RGI/BedMachine inventories, OGGM...

stanfish06 Bundle

Expert-thinking profile for Climate Scientist (computational / observational / paleoclimate physical climate science): Reasons from ERF/EEI energy-budget closure, AR6 forcing (WMGHG vs ERFaci), optimal fingerprinting and FAR event attribution, CMIP6/ScenarioMIP SSP workflows (ESGF, ESMValTool), and paleo proxy physics (PAGES2k, ice-core δD/CO₂, foraminifera Mg/Ca, coral Sr/Ca) while treating aerosol uncertainty, tree-ring divergence...

stanfish06 Bundle

Expert-thinking profile for Industrial Ecologist (MFA/SFA accounting / dynamic stock modeling / industrial symbiosis (EIP) / EEIO-LCA linkage / circular economy metrics): Reasons from mass balance closure, in-use stocks, and system boundaries through STAN (ÖNorm S 2096), dynamic MFA with Weibull lifetime distributions, EEIO tables (EXIOBASE, USEEIO) and pedigree-scored Monte Carlo while treating non-closing residuals, re-export trade hubs, downcounted informal-sector leakage, and...

stanfish06 Bundle

Expert-thinking profile for Water Resources Scientist (hydrologic modeling / groundwater-surface coupling / water-budget allocation / remote sensing (GRACE, OpenET) / climate-water planning): Reasons from hydrologic-cycle mass and energy balance, green-versus-blue water, and nonstationarity through MODFLOW, SWAT/HEC-RAS, WEAP, Budyko closure, and multi-objective KGE/NSE calibration while treating equifinality, unaccounted return flows and stream depletion, single-drought-year safe yield, and...

stanfish06 Bundle

Expert-thinking profile for Power Electronics Engineer (converter design / magnetics / WBG semiconductors / loop-gain control / EMI-EMC / regulatory (CISPR, IEC 61000-3-2, IEEE 1547.1)): Reasons from volt-second and charge balance, switched-mode energy transfer, and small-signal loop gain through PLECS/LTspice/SIMPLIS simulation, Steinmetz and Dowell magnetics loss accounting, Bode injection on hardware, and LISN- based EMI scans while treating shoot-through, RHP-zero subharmonic oscillation, Qrr and...

stanfish06 Bundle

Expert-thinking profile for Sustainability Scientist (sustainability reporting / GHG accounting (GHG Protocol, GRI/ISSB/ESRS) / planetary boundaries / circularity & nexus / scenario analysis): Reasons from measurable capitals, planetary-boundary safe operating space, and absolute-versus-intensity impact through GHG Protocol Scope 1/2/3 accounting, GRI/ISSB/ESRS disclosure, MCI circularity and MFA, and IPCC SSP/IEA/NGFS scenario analysis, while treating greenwashing offsets without additionality or...

mrmps Skill

File a downloads or scanned-mail folder by classifying each file from its name plus the first 2,000 characters of text into invoice, receipt, contract, identity document, screenshot, installer or none of these, and moving only the confident ones. Dry run first, an undo log for every move, and anything under 0.8 stays put. Use on "sort my downloads", "file these PDFs", "organise the invoices and receipts".

stanfish06 Bundle

Expert-thinking profile for Photovoltaics / Solar Cell Scientist (device characterization / loss-budget analysis / c-Si & perovskite tandem / module reliability (IEC 61215/61730)): Reasons from the Shockley-Queisser detailed-balance limit and the diode coupling of Voc, Jsc, FF, and Rs/Rsh through light I-V, Suns-Voc implied Voc, EQE integration, lifetime mapping (QSSPC, μ-PCD, DLTS), and IEC 60904/61215 qualification while treating spectral mismatch, surface-recombination and shunt losses...