@oriro/orirocli 0.1.11 → 0.1.12

package/skills/finance/finance-debt-management/SKILL.md

@@ -1,87 +1,87 @@
----
-watermark: ORIRO
-disable-model-invocation: true
-name: finance-debt-management
-provider: ORIRO.ai
-copyright: Copyright (c) 2026 ORIRO.ai
-description: >
-
-  Debt management — debt strategies, student loans, credit cards, mortgages, debt consolidation, and negotiating with creditors.
-  Sources: Federal Reserve educational resources, CFPB, IRS, financial education publicly available sources.
----
-
-# Debt Management
-
-## Prioritizing debt payoff
-
-Not all debt is created equal. Decision framework:
-
-1. Minimum payments on ALL debts (never miss — credit score and fees)
-2. Emergency fund: $1,000 minimum before extra debt payments
-3. Capture employer 401k match (100% return)
-4. Pay off high-interest debt: > 7-8% — guaranteed "return" equal to interest rate
-5. Emergency fund: 3-6 months
-6. Moderate debt (4-7%): Balance against investing
-7. Low-interest debt (< 4%): Stock market historically outperforms — invest instead of paying extra
-
-## Student loan strategy
-
-### Federal loans (US)
-
-**Income-driven repayment (IDR):** Monthly payment based on income (10-20% of discretionary income).
-Plans: SAVE (newest — most generous), PAYE, IBR, ICR.
-**SAVE plan:** Payments as low as 5% of discretionary income for undergrad loans. After 10-25 years → forgiveness.
-
-**Public Service Loan Forgiveness (PSLF):** Work for government or qualifying nonprofit → 10 years of payments → forgiveness.
-Must be on qualifying IDR plan. Must consolidate into Direct Loans if needed.
-Annual Employment Certification critical.
-
-**Refinancing federal loans:** Converts to private loan. Loses federal protections (IDR, PSLF, forbearance). Only refinance if: Private sector career, stable high income, no PSLF eligibility.
-
-### Private loans
-
-No income-driven repayment. No forgiveness. Less flexible.
-Refinancing private loans: Shop rates. Consider variable vs. fixed carefully.
-
-## Credit card debt
-
-### Avalanche vs. snowball (see finance-personal skill)
-
-For credit cards specifically: Avalanche (highest rate first) almost always better.
-Typical credit card rates: 20-29% APR. No investment reliably beats paying this off.
-
-### Balance transfers
-
-Move high-rate credit card balance to 0% intro APR card (12-21 months typical).
-Fee: Usually 3-5% of transfer amount. Still worthwhile if you pay off during intro period.
-**Hard rule:** Stop using the old card. Cut up if necessary. Pay off before intro period ends.
-
-### Negotiating with credit card companies
-
-Call and ask. Success rate is higher than most people realize.
-Ask for: Interest rate reduction, hardship program, settlement (if severely delinquent).
-Hardship programs: Temporarily lower rates, minimum payments, waive fees. Require proof of hardship.
-Settlement (last resort): Pay lump sum < full balance. Requires delinquency. Damages credit. Tax implications (forgiven debt = income).
-
-## Mortgage strategy
-
-### Refinancing
-
-Break-even analysis: Closing costs / Monthly savings = Months to break even.
-Worth it if: You'll stay in the home longer than the break-even period.
-Rate rule of thumb: Often makes sense if rate drops ≥ 0.75-1%. Always run the numbers.
-
-### Extra payments
-
-Pay extra principal = reduce interest paid + shorter payoff.
-Biweekly payment trick: 26 half-payments = 13 full payments per year instead of 12. One extra payment annually.
-Any extra principal payment directly reduces the loan balance (compound savings).
-
-### Pay off mortgage vs. invest?
-
-Guaranteed return equal to mortgage rate vs. expected market return.
-3% mortgage: Invest instead. Historical market returns 7-10% > 3%.
-7%+ mortgage: Pay down. Risk-adjusted math favors payoff.
-Middle (4-6%): Personal choice. Risk tolerance, psychological value of being debt-free.
-
-Sources: CFPB debt guidance (consumerfinance.gov — free), studentaid.gov (official federal loan information — free), NFCC (nfcc.org — free credit counseling referrals), FTC debt collection guidance (free)
+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-debt-management
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+
+  Debt management — debt strategies, student loans, credit cards, mortgages, debt consolidation, and negotiating with creditors.
+  Sources: Federal Reserve educational resources, CFPB, IRS, financial education publicly available sources.
+---
+
+# Debt Management
+
+## Prioritizing debt payoff
+
+Not all debt is created equal. Decision framework:
+
+1. Minimum payments on ALL debts (never miss — credit score and fees)
+2. Emergency fund: $1,000 minimum before extra debt payments
+3. Capture employer 401k match (100% return)
+4. Pay off high-interest debt: > 7-8% — guaranteed "return" equal to interest rate
+5. Emergency fund: 3-6 months
+6. Moderate debt (4-7%): Balance against investing
+7. Low-interest debt (< 4%): Stock market historically outperforms — invest instead of paying extra
+
+## Student loan strategy
+
+### Federal loans (US)
+
+**Income-driven repayment (IDR):** Monthly payment based on income (10-20% of discretionary income).
+Plans: SAVE (newest — most generous), PAYE, IBR, ICR.
+**SAVE plan:** Payments as low as 5% of discretionary income for undergrad loans. After 10-25 years → forgiveness.
+
+**Public Service Loan Forgiveness (PSLF):** Work for government or qualifying nonprofit → 10 years of payments → forgiveness.
+Must be on qualifying IDR plan. Must consolidate into Direct Loans if needed.
+Annual Employment Certification critical.
+
+**Refinancing federal loans:** Converts to private loan. Loses federal protections (IDR, PSLF, forbearance). Only refinance if: Private sector career, stable high income, no PSLF eligibility.
+
+### Private loans
+
+No income-driven repayment. No forgiveness. Less flexible.
+Refinancing private loans: Shop rates. Consider variable vs. fixed carefully.
+
+## Credit card debt
+
+### Avalanche vs. snowball (see finance-personal skill)
+
+For credit cards specifically: Avalanche (highest rate first) almost always better.
+Typical credit card rates: 20-29% APR. No investment reliably beats paying this off.
+
+### Balance transfers
+
+Move high-rate credit card balance to 0% intro APR card (12-21 months typical).
+Fee: Usually 3-5% of transfer amount. Still worthwhile if you pay off during intro period.
+**Hard rule:** Stop using the old card. Cut up if necessary. Pay off before intro period ends.
+
+### Negotiating with credit card companies
+
+Call and ask. Success rate is higher than most people realize.
+Ask for: Interest rate reduction, hardship program, settlement (if severely delinquent).
+Hardship programs: Temporarily lower rates, minimum payments, waive fees. Require proof of hardship.
+Settlement (last resort): Pay lump sum < full balance. Requires delinquency. Damages credit. Tax implications (forgiven debt = income).
+
+## Mortgage strategy
+
+### Refinancing
+
+Break-even analysis: Closing costs / Monthly savings = Months to break even.
+Worth it if: You'll stay in the home longer than the break-even period.
+Rate rule of thumb: Often makes sense if rate drops ≥ 0.75-1%. Always run the numbers.
+
+### Extra payments
+
+Pay extra principal = reduce interest paid + shorter payoff.
+Biweekly payment trick: 26 half-payments = 13 full payments per year instead of 12. One extra payment annually.
+Any extra principal payment directly reduces the loan balance (compound savings).
+
+### Pay off mortgage vs. invest?
+
+Guaranteed return equal to mortgage rate vs. expected market return.
+3% mortgage: Invest instead. Historical market returns 7-10% > 3%.
+7%+ mortgage: Pay down. Risk-adjusted math favors payoff.
+Middle (4-6%): Personal choice. Risk tolerance, psychological value of being debt-free.
+
+Sources: CFPB debt guidance (consumerfinance.gov — free), studentaid.gov (official federal loan information — free), NFCC (nfcc.org — free credit counseling referrals), FTC debt collection guidance (free)

package/skills/finance/finance-insurance/LICENSE

@@ -1,21 +1,21 @@
-MIT License
-
-Copyright (c) 2026 ORIRO.ai
-
-Permission is hereby granted, free of charge, to any person obtaining a copy
-of this software and associated documentation files (the "Software"), to deal
-in the Software without restriction, including without limitation the rights
-to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
-copies of the Software, and to permit persons to whom the Software is
-furnished to do so, subject to the following conditions:
-
-The above copyright notice and this permission notice shall be included in all
-copies or substantial portions of the Software.
-
-THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
-IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
-FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
-AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
-LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
-OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
-SOFTWARE.
+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.

package/skills/finance/finance-insurance/SKILL.md

@@ -1,91 +1,91 @@
----
-watermark: ORIRO
-disable-model-invocation: true
-name: finance-insurance
-provider: ORIRO.ai
-copyright: Copyright (c) 2026 ORIRO.ai
-description: >
-  Insurance fundamentals — life, health, property, liability, business insurance,
-  how to evaluate coverage needs and policies. Activate for questions about
-  insurance coverage, what insurance to buy, how to file a claim, evaluating
-  policies, or any insurance decision question. Sources: NAIC, III (Insurance
-  Information Institute), CFPB insurance guides.
----
-
-# Insurance Fundamentals
-
-## Core insurance concepts
-
-**Premium:** Your payment to the insurer (monthly, quarterly, annually).
-**Deductible:** Amount you pay before insurance pays. Higher deductible = lower premium.
-**Coverage limit:** Maximum the insurer will pay. Catastrophic losses need high limits.
-**Exclusion:** What the policy does NOT cover. Read carefully.
-**Rider/Endorsement:** Addition to base policy to cover specific items or risks.
-**Claim:** Request to insurance company for payment for covered loss.
-**Underwriting:** Process of evaluating and pricing your risk.
-
-## Term life insurance
-
-**Why you need it:** Provide for dependents if you die while they depend on your income.
-**Who needs it:** Anyone with dependents. Single with no dependents: generally no.
-**How much:** 10-12× annual income. Include mortgage payoff, kids' education, surviving spouse's needs.
-**What term:** Match dependency horizon. 20-year term if children are young. 30-year if young spouse.
-**Type:** Term only. Whole life/universal life is usually poor value (expensive, low return investment component). Buy term; invest the difference.
-**Cost:** Healthy 30-year-old, $500K 20-year term: $25-35/month. Increases significantly with age.
-**Apply before needing it.** Rates increase with age and health changes.
-
-## Health insurance
-
-**Premium:** Monthly cost regardless of usage.
-**Deductible:** Annual amount you pay before insurance pays (except preventive care, usually covered at 100%).
-**Copay:** Fixed amount per visit ($25 primary care, $50 specialist typically).
-**Coinsurance:** Your percentage after deductible (80/20 means insurer pays 80%, you pay 20%).
-**Out-of-pocket maximum:** Your maximum annual exposure. After this, insurance pays 100%.
-**Network:** In-network providers have negotiated rates. Out-of-network = much higher cost.
-
-**Choosing a plan:**
-High Deductible Health Plan (HDHP): Lower premium, higher deductible. Best if healthy and want HSA.
-Low deductible plan: Higher premium, lower deductible. Best if you'll use healthcare frequently.
-Calculate: (Difference in annual premiums) vs. (Difference in deductibles). If likely to hit deductible, lower deductible plan may be better value.
-
-## Property insurance
-
-### Homeowners insurance
-
-**Dwelling coverage:** Rebuilding cost of home structure. Base on replacement cost, not market value. Costs $130-180+/sq ft typical.
-**Personal property:** Contents coverage. Valuables (jewelry, art, electronics) may need scheduled riders.
-**Liability:** Someone injured on your property sues you. Minimum $300K; $500K recommended.
-**Loss of use:** Additional living expenses if uninhabitable.
-**Flood:** NOT included. Separate policy needed. Get through NFIP or private insurer if in flood zone.
-**Earthquake:** NOT included. Separate endorsement or policy needed in earthquake-prone areas.
-
-### Renters insurance
-
-~$15-30/month. Covers your belongings (up to $30-50K typically). Liability coverage. Very underutilized.
-
-### Auto insurance
-
-**Liability:** Required. Bodily injury + property damage you cause to others.
-Minimums are often inadequate. Recommended: 100/300/100 ($100K per person injury / $300K per accident / $100K property).
-**Collision:** Your car damage in accident regardless of fault. Drop if car value < 10× annual premium.
-**Comprehensive:** Non-collision damage (theft, weather, animals). Same threshold as collision.
-**Uninsured/Underinsured motorist:** When at-fault driver has no or inadequate insurance. Essential.
-**Medical payments/PIP:** Medical costs regardless of fault. Required in no-fault states.
-
-## Umbrella insurance
-
-Extends liability coverage above home and auto policies.
-$1M policy typically $150-300/year. Worth it if significant assets to protect.
-Covers gaps in underlying policies. Requires minimum underlying liability limits.
-
-## Business insurance
-
-**General Liability:** Customer injured at your business, product harms someone, property damage caused by your business. Starting point for every business.
-**Professional Liability (E&O):** Errors and omissions. Claims you gave bad advice or made mistakes in professional services. Essential for consultants, advisors, tech companies.
-**Workers' Compensation:** Required in almost all states if you have employees. Covers medical and lost wages for work injuries.
-**Business Owner's Policy (BOP):** Package of general liability + property. Cost-effective for small businesses.
-**Cyber liability:** Data breaches, ransomware, business interruption from cyber events. Increasingly important.
-**Key Person insurance:** Life insurance on critical employees whose loss would severely impact business.
-
-Sources: NAIC consumer guides (naic.org), III Insurance Information Institute (iii.org),
-CFPB insurance consumer guides, NFIP (floodsmart.gov)
+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-insurance
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Insurance fundamentals — life, health, property, liability, business insurance,
+  how to evaluate coverage needs and policies. Activate for questions about
+  insurance coverage, what insurance to buy, how to file a claim, evaluating
+  policies, or any insurance decision question. Sources: NAIC, III (Insurance
+  Information Institute), CFPB insurance guides.
+---
+
+# Insurance Fundamentals
+
+## Core insurance concepts
+
+**Premium:** Your payment to the insurer (monthly, quarterly, annually).
+**Deductible:** Amount you pay before insurance pays. Higher deductible = lower premium.
+**Coverage limit:** Maximum the insurer will pay. Catastrophic losses need high limits.
+**Exclusion:** What the policy does NOT cover. Read carefully.
+**Rider/Endorsement:** Addition to base policy to cover specific items or risks.
+**Claim:** Request to insurance company for payment for covered loss.
+**Underwriting:** Process of evaluating and pricing your risk.
+
+## Term life insurance
+
+**Why you need it:** Provide for dependents if you die while they depend on your income.
+**Who needs it:** Anyone with dependents. Single with no dependents: generally no.
+**How much:** 10-12× annual income. Include mortgage payoff, kids' education, surviving spouse's needs.
+**What term:** Match dependency horizon. 20-year term if children are young. 30-year if young spouse.
+**Type:** Term only. Whole life/universal life is usually poor value (expensive, low return investment component). Buy term; invest the difference.
+**Cost:** Healthy 30-year-old, $500K 20-year term: $25-35/month. Increases significantly with age.
+**Apply before needing it.** Rates increase with age and health changes.
+
+## Health insurance
+
+**Premium:** Monthly cost regardless of usage.
+**Deductible:** Annual amount you pay before insurance pays (except preventive care, usually covered at 100%).
+**Copay:** Fixed amount per visit ($25 primary care, $50 specialist typically).
+**Coinsurance:** Your percentage after deductible (80/20 means insurer pays 80%, you pay 20%).
+**Out-of-pocket maximum:** Your maximum annual exposure. After this, insurance pays 100%.
+**Network:** In-network providers have negotiated rates. Out-of-network = much higher cost.
+
+**Choosing a plan:**
+High Deductible Health Plan (HDHP): Lower premium, higher deductible. Best if healthy and want HSA.
+Low deductible plan: Higher premium, lower deductible. Best if you'll use healthcare frequently.
+Calculate: (Difference in annual premiums) vs. (Difference in deductibles). If likely to hit deductible, lower deductible plan may be better value.
+
+## Property insurance
+
+### Homeowners insurance
+
+**Dwelling coverage:** Rebuilding cost of home structure. Base on replacement cost, not market value. Costs $130-180+/sq ft typical.
+**Personal property:** Contents coverage. Valuables (jewelry, art, electronics) may need scheduled riders.
+**Liability:** Someone injured on your property sues you. Minimum $300K; $500K recommended.
+**Loss of use:** Additional living expenses if uninhabitable.
+**Flood:** NOT included. Separate policy needed. Get through NFIP or private insurer if in flood zone.
+**Earthquake:** NOT included. Separate endorsement or policy needed in earthquake-prone areas.
+
+### Renters insurance
+
+~$15-30/month. Covers your belongings (up to $30-50K typically). Liability coverage. Very underutilized.
+
+### Auto insurance
+
+**Liability:** Required. Bodily injury + property damage you cause to others.
+Minimums are often inadequate. Recommended: 100/300/100 ($100K per person injury / $300K per accident / $100K property).
+**Collision:** Your car damage in accident regardless of fault. Drop if car value < 10× annual premium.
+**Comprehensive:** Non-collision damage (theft, weather, animals). Same threshold as collision.
+**Uninsured/Underinsured motorist:** When at-fault driver has no or inadequate insurance. Essential.
+**Medical payments/PIP:** Medical costs regardless of fault. Required in no-fault states.
+
+## Umbrella insurance
+
+Extends liability coverage above home and auto policies.
+$1M policy typically $150-300/year. Worth it if significant assets to protect.
+Covers gaps in underlying policies. Requires minimum underlying liability limits.
+
+## Business insurance
+
+**General Liability:** Customer injured at your business, product harms someone, property damage caused by your business. Starting point for every business.
+**Professional Liability (E&O):** Errors and omissions. Claims you gave bad advice or made mistakes in professional services. Essential for consultants, advisors, tech companies.
+**Workers' Compensation:** Required in almost all states if you have employees. Covers medical and lost wages for work injuries.
+**Business Owner's Policy (BOP):** Package of general liability + property. Cost-effective for small businesses.
+**Cyber liability:** Data breaches, ransomware, business interruption from cyber events. Increasingly important.
+**Key Person insurance:** Life insurance on critical employees whose loss would severely impact business.
+
+Sources: NAIC consumer guides (naic.org), III Insurance Information Institute (iii.org),
+CFPB insurance consumer guides, NFIP (floodsmart.gov)

package/skills/finance/finance-investing/LICENSE

@@ -1,21 +1,21 @@
-MIT License
-
-Copyright (c) 2026 ORIRO.ai
-
-Permission is hereby granted, free of charge, to any person obtaining a copy
-of this software and associated documentation files (the "Software"), to deal
-in the Software without restriction, including without limitation the rights
-to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
-copies of the Software, and to permit persons to whom the Software is
-furnished to do so, subject to the following conditions:
-
-The above copyright notice and this permission notice shall be included in all
-copies or substantial portions of the Software.
-
-THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
-IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
-FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
-AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
-LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
-OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
-SOFTWARE.
+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.