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    • Mikhail Agapov

      Answer on How to build your future and be successful?

      Building your future is not a day or two's job. You will have to work hard throughout your education and at work to build a wealthy and sound future. There is a lot of advice on how you can build your future and become successful, but below we are...
        Mikhail Agapov
        Building your future is not a day or two's job. You will have to work hard throughout your education and at work to build a wealthy and sound future. There is a lot of advice on how you can build your future and become successful, but below we are...

        Building your future is not a day or two's job. You will have to work hard throughout your education and at work to build a wealthy and sound future. There is a lot of advice on how you can build your future and become successful, but below we are going to discuss some of the ways that are a sure-shot way of building your future and becoming successful.

        1. Get a Good Education: This is one of the most important steps in building your future and becoming successful. Now, when discussing education, I am not saying to go to Harward or some other big university and get your certificates. I am saying to learn whatever comes your way. For example, if you are in school, then learn your subjects and work hard to grasp and understand the subjects that you have and try to excel in all those subjects.

          On the other hand, if you don't go to school, and if you are not able to afford to go and you have to work as a mechanic or some other skilled labor, then try to learn from the experts that you have. I still remember, when I was working in a Kitchen in a hotel, I used to stay late to learn new tips and tricks being used in hotels to make food more delicious, it helped to understand what was required. I was able to climb up the ladder in a shorter duration of time.

          So, it doesn't matter if you are getting your education from a school, college, or some professional expert, you should just try to gain as much knowledge as possible.
        2. Take an internship: This is again an extension of the above point and focuses on getting hands-on experience on the work using mentorship by joining a company or organization in your desired field. For example, if you are undergoing graduation in computer science and you aim to become a developer, then try to get an internship in your field. This is because hands-on knowledge and practical code development help in becoming more sound in your domain.

          This is applicable to all the fields. Let's say that you are in the hotel industry and you have completed a Hotel Management Course, and now you want to become a Chef. To reach that capability, you will first have to understand all the things at the grassroots level and this can be done by joining a hotel as an intern and getting mentorship from experts or professionals in that hotel. This is one of the important things because it will add to your overall experience and your hands-on knowledge will help you get a higher-paying job.
        3. Move up the ladder: Make a list of goals that will help you grow and work towards achieving them. For example, if you are working towards becoming a Senior Developer or a Chief Editor in a new company, try to break your aim into achievable goals. Let's say to become a Chief Editor, you should be able to write and edit articles without any mistakes and the structure and knowledge of the format of written articles should be easily understandable by you.

          Think outside the box, and come up with new ideas for your organization through innovative thinking. Taking more responsibility can help you to learn new skills that will enhance your career. This will take you out of your comfort zone but once you take on new responsibility, you will gain more confidence towards leaping your career growth.

          Do a SWOT analysis of yourself and discuss it with your mentors or seniors about what are your weaknesses and how can you overcome them. Plus try to understand how to leverage your strengths in your overall career growth.
        4. Consider changing your domain: This is especially easy if you are trying to move laterally within your organization or outside your organization. This is because sometimes we may not feel that we are in the correct domain and we would be stressed out. Try to change your domain if you don't think that it is working. For example, I used to work in a Hotel as a chef but after a while, I was not enjoying doing that and I garnered a passion for writing. Therefore I took the leap of faith and jumped into a content writing role in another company.

          This move helped me a lot because I was stress-free and had a more flexible routine. I was now happy and was working on my terms. Although I had to learn a lot and even had to start with a lower salary, it was worth taking the leap and working towards my dreams. Similarly, I have heard many people who have left their job as HR Executives and become a full-time developers without having any prior formal education in coding. This is something you should also consider doing because you get only one life and it is never good to do something that is not fun or that simply doesn't seem to have any future.
        5. Try to gain financial stability: One of the major goals and mile stones of any future building and becoming successful is to gain financial stability. Now by financial stability, I mean to have an emergency fund and also have a budget that will let you enjoy your life and fulfill your aspirations as well.

          To do this, try to follow below steps:
          a) Emergency Fund Account: Try to save some amount every month in this account. This can be as low as 1 cent and can be as huge as possible, but you will have to decide a practical number for yourself. See how much you can save every month in this account. This should be maintained every single month when you receive your salary and should never be touched. It should only be used in big financial emergencies and for nothing else.

          b) Travel Fund Account: This account is another very important bank account that you will have. This is because as we are working from different places, usually every single person leaves their home town and travel becomes one of the biggest expenses that anyone haves while going to home or for some marriage. Fight and Train tickets have become too expensive. Therefore, you should have a travel account where you every month save some money, so that when you have some travel plans, at that time you should not have empty pockets and even if the fund is not enough, still you will be able to at least get some self-discount.

          c) Get health insurance: This is one of the most important parts of financial stability because health issues come suddenly and are difficult to cope with. You should have a good health insurance. Check if your employer has insured you or get health insurance yourself because medical expenses have become too expensive for any normal human being on this planet. Although some countries help their citizens in difficult times for most of us, we will have to get a good cover because I have seen huge hospital expenses that cannot be borne by normal people on cash.

          d) Get term insurance: This is also one of the important aspects of building your future. This is because term insurance takes care of the people that you care about when you die. Therefore, having term insurance is a must. There was a case where a candidate had come for an interview and I got to know that his father died when he was 2 years old, and I asked how he completed his education, etc, and he told me that there was a term insurance that his dad had taken because of which he was able to complete his education and his mom also didn't have to work. If his dad would have taken the term insurance, then it would have become a trouble for them all. Therefore, it is always a good idea to get good-term insurance, especially if it also covers critical illness.
        6. Reduce debt: This is again an important point to understand. When we don't have money at that time we need it the most and usually most of us go for credit cards or personal loans. This is wrong to do, and that is because debt is something that takes out money from your pocket in the longer term, and that too sometimes doubles the interest. Therefore, try to pay off any debt that you have to build yourself a secure and successful future.

          Although all the loans cannot be avoided, for example, loans taken for a car or to buy a house, those loans are not so bad because these are secure loans. But loans like personal loans and credit cards are really bad for your financial health and well-being.
        7. Exercise & Make time for your family: Exercising daily and taking out time for your family and friends is one of the important things to do. This is because these two things help you strengthen your relations and also make you stress-free which has a positive impact on your overall health and well-being. Discuss your work hours and expectations with your boss so that you can set some boundaries to prevent work from leeching away at family time.

          Spend time with your spouse and children even if it means getting everyone together in the morning to exercise or stretch for some time before having breakfast and going to work. Taking family vacations is another way of creating some space for yourself and your family.
        8. Take care of your mental health: When your mental health is good, you make good decisions about all aspects of your life, and this helps in you feeling better about your life which again helps in building a better future for yourself. Try regur sleep schedule and choose calming activities before bed. Steer away from alcohol and drugs and keep your mind sharp.

        Building you future and becoming successful is not easy to do but it is achievable and once you have followed all the above steps, you should be able to build a better future for yourself.

        • Mikhail Agapov

          Answer on How to increase your income?

          Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to...
            Mikhail Agapov
            Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to...

            Everyone wants to earn a good income. Might be you are looking for a new home or you want to buy a new car, you definitely need some more money every now and then. With a few adjustments to your lifestyle and your finances, you will be able to increase the amount of money you bring in every month and maintain a healthy income, so that you are able to fulfill your dreams faster.

            1. Talk to your employer for a raise:
            This is one of the easiest ways to get more money for the same work that you do. Several companies give small increments say 10 to 11% every year to their employees, which might be very low as per the requirements and the expenses. So it is always a good idea to have a talk with your employer or HR Team for a better hike in your performance year.

            However, you may have to do a bit of research yourself and find out what the hike is given by other companies in your industry and also if your work explains or justifies the hike you want. I remember getting a minimum of a 10% hike every year, even though other companies in my industry were giving a 25% hike even to the new joiners, and I was a top performer. 

            Therefore, I used to have a talk with my management and HR Team about the hike, and they used to increase the percentage to one or two points. It wasn't much but even small amounts matter when you are trying to make a living out of your paycheck.

            2. Work as a freelancer:
            If your work is not going to give you much return, then consider working as a freelancer by selling your skills and talents. Take odd jobs for family or friends that will add funds to your bank account. Remember that every penny you earn is one more dollar towards your overall income.

            For example, you can try driving your car as a taxi at night for people going to airports. Airports are far away from cities and people require taxi or cab drivers that are available at odd hours for airport pickup and drop. This is a considerable way to supplement your job. You can even increase your income by working on weekends and driving cars to get some more income to fulfill your dreams.

            3. Start a Side Business:
            If you have good skills you can channel them into a viable side business. This could be as simple as cooking or gardening or even writing as a freelancer for companies. In our society, there are some ladies, that provide services like;

            • Ironing of Clothes
            • Selling of Food Batters like Pancakes or Dosa batters
            • Selling of Tiffens/Lunch and Dinner Services, etc

            4. Create Sources of Passive Income:
            Passive Income Sources are those sources, that require some initial effort and provide regular income after some time. These income sources might not seem effective during the initial days because the effort to create a passive income stream is really hard, but once it is set up, you can enjoy your life without any tension of money.

            For example, start a blog or youtube channel. This way you can share information, articles, and videos and get rewarded as money. Some people around the world are making good amounts of money using this method, but it requires initial investment to set up a blog and publish articles on a daily basis and then these streams help you make money, and that too isn't guaranteed.

            Well, nothing is guaranteed if you haven't started working. If you work then at least you have some hope, but if you don't start, then you won't get anything and that's or sure.

            5. Consider investing in rental property:
            Consider investing in a rental property, preferably several multifamily units rather than one single-family home. Though a rental property can be a large upfront investment, the potential income generated from this investment could be substantial. Ask a friend or business partner to invest with you in a rental property and create passive income to supplement your existing income.

            6. Start cutting down your expenses:
            It is rightly said, "A penny saved is a penny earned", and that stands true even today.

            If you are renting a luxurious apartment that is taking 50% of your take-home salary, then consider cutting down by moving to s a smaller rental apartment. Or if you have some subscriptions online, then consider getting rid of them. For example, I don't buy things online regularly so I have just removed Amazon Prime from my account, and also got rid of Netflix as those cost me my time and money on a regular basis.

            Focus on stacking savings on top of one another to add up to a large amount of money saved. This means embracing a frugal and not spending money when you do not need to.

            7. Invest in a good Health Insurance:
            This is one of the most important parts of your saving journey so that you can increase your income. These days healthcare services are so expensive that one trip to hospital can make you broke. Therefore, always consider having Good Health Insurance which provides cashless mechanisms.

            This is important to ensure that when you need medical emergency services, then you are not in any trouble from the money front, and after the medical treatment is over, then you should not become broke and enjoy your life as you were doing before the medical treatment.

            8. Exercise Regularly and Eat Healthy:
            Now this is one of the important steps as well because if you are healthy and fell sick less, in that case, you are able to save a lot more money and as you know anything that you save is an add-on to your take-home salary. Therefore, always exercise on a regular basis and eat healthy food.

            For example, you can ensure that you walk at least 10,000 steps every single day and do some weight lifting exercise to keep yourself fit for life.

            9. Take a bicycle or walk to work:
            One of the biggest expenses is likely your car. Form the car itself to its maintenance and insurance, it can bring big expenses. When possible, bike to work or to run errands rather than pay to fill up your gas take and using your car. Walking will also keep you fit for a longer time and hence you will have less medical expenses.

            10. Have a do it yourself lifestyle:
            A do it yourself lifestyle means that you take care of your things yourself. For example, if you have to renovate your home, consider working on your home yourself rather than outsourcing painting and decoration work.

            This can be a big time expense saver for you because home renovations and other tasks like maintenance might be a big expense loop holes to get rid of.

            Increasing your income might seem a bit of work, but once you are able to do so and earn some more cash, then you will be able to save big time and achieve your goals, which will motivate you to become a better person by utilizing your money in a better way. If you follow above steps, you should be able to save some money for your leisure and to fulfill your dreams fast.

            • Mikhail Agapov

              Answer on How to use Chat GPT APIs? | How to use ChatGPT API?

              A Comprehensive Guide on How to Use ChatGPT APIs In recent years, there has been a significant advancement in artificial intelligence and natural language processing technologies. One of the remarkable innovations in this field is the creation of...
                Mikhail Agapov
                A Comprehensive Guide on How to Use ChatGPT APIs In recent years, there has been a significant advancement in artificial intelligence and natural language processing technologies. One of the remarkable innovations in this field is the creation of...

                A Comprehensive Guide on How to Use ChatGPT APIs

                In recent years, there has been a significant advancement in artificial intelligence and natural language processing technologies. One of the remarkable innovations in this field is the creation of OpenAI's ChatGPT, a language model that can engage in interactive and dynamic conversations with users. With the introduction of ChatGPT APIs, developers now have the power to integrate this advanced conversational AI into their applications, products, and services. This article serves as a comprehensive guide on how to effectively use ChatGPT APIs.

                Understanding ChatGPT APIs

                ChatGPT APIs provide a way to interact with the ChatGPT model programmatically. This allows developers to incorporate the capabilities of ChatGPT into their own software applications, websites, chatbots, customer service platforms, and more. The API enables a seamless flow of natural conversations between users and the AI, opening up possibilities for enhanced user experiences and improved interactions.

                Getting Started

                To begin using ChatGPT APIs, there are a series of steps to follow:

                1. Access the OpenAI Platform: First, you need to have access to the OpenAI platform and obtain the necessary API key or credentials. OpenAI may provide different plans or pricing tiers, so make sure you choose the one that suits your needs.
                2. API Documentation: OpenAI provides detailed documentation for their APIs. Familiarize yourself with the documentation to understand the API endpoints, request and response formats, and any other essential information.
                3. Set Up Your Environment: Depending on your preferred programming language, you'll need to set up your development environment. OpenAI provides client libraries for various programming languages that can simplify API integration.

                Making API Calls

                Interacting with ChatGPT APIs involves making HTTP requests to the provided API endpoint. The primary API call you'll be using is the openai.ChatCompletion.create() method. This method allows you to have back-and-forths with the model in a conversation format.

                Here's a basic example of how an API call might look using Python and the OpenAI Python library:

                import openai

                        {"role": "system", "content": "You are a helpful assistant."},
                        {"role": "user", "content": "What's the weather like today?"},

                In this example, the conversation starts with a system message followed by a user message. You can extend the conversation by adding more user or assistant messages in the messages parameter.

                Formatting Messages

                Messages in the conversation have roles ("system", "user", or "assistant") and content. The system message sets the behavior of the assistant, while user messages provide the input, and assistant messages store prior responses.

                It's important to note that the conversation context matters. If you remove a message, the model loses all knowledge of it. Therefore, important instructions are often better placed in user messages rather than system messages.

                Obtaining and Using Responses

                Once you make an API call, you will receive a JSON response containing the assistant's reply. Extract the assistant's reply from the response object to present it to the user. You can also continue the conversation by extending the messages parameter with new user or assistant messages.

                Tips for Effective Usage

                1. Be Explicit: Provide clear instructions or context to the model. Specify the format you want the answer in or ask the model to think step by step.
                2. Control Response Length: You can set the max_tokens parameter to limit the length of the response. This helps in getting concise and relevant answers.
                3. Experiment: Feel free to iterate and experiment with different approaches to improve the quality of the responses.
                4. Handle Sensitivity: If the conversation involves sensitive information, remember to avoid sharing that information in your queries.

                Use Cases

                The versatility of ChatGPT APIs opens up a wide range of use cases:

                • Customer Support: Integrate ChatGPT into your website or app to provide instant and helpful customer support.

                • Content Generation: Generate creative content, articles, stories, or even code snippets based on prompts.

                • Idea Brainstorming: Collaborate with ChatGPT to brainstorm ideas for projects, marketing campaigns, or product names.

                • Language Translation: Create a chatbot that can assist in translating languages, making communication easier across the globe.

                • Interactive Gaming: Develop interactive and dynamic game narratives that respond to players' choices and actions.


                OpenAI's ChatGPT APIs offer an exciting opportunity to bring advanced conversational AI to a wide range of applications. By following the steps outlined in this guide, developers can effectively integrate ChatGPT into their projects, enhancing user experiences, enabling creative content generation, and revolutionizing customer interactions. As you explore the capabilities of ChatGPT APIs, remember to experiment, iterate, and adapt your approach to best suit your specific use case. With the power of AI at your fingertips, the possibilities are virtually limitless.


                • Mikhail Agapov

                  Mikhail Agapov

                  MoscowНе ходи в другой монастырь со своими правилами (Don’t go to another monastery with your own rules)

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                    • Mithlesh Dhar

                      Mithlesh Dhar

                      Safakadal, IndiaHi, I have been working on several projects to connect creators with the world. Feel free to write for any feedback.