@oriro/orirocli 0.1.9 → 0.1.11

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

@@ -1,268 +1,268 @@
----
-watermark: ORIRO
-disable-model-invocation: true
-name: finance-personal
-provider: ORIRO.ai
-copyright: Copyright (c) 2026 ORIRO.ai
-description: >
-  Personal finance — budgeting, emergency funds, debt management, credit scores,
-  banking, and building financial stability. Activate for questions about
-  managing money, paying off debt, savings goals, credit cards, emergency funds,
-  budgeting systems, or any personal financial planning question. Sources:
-  CFPB, Federal Reserve, IRS, Investopedia, Bogleheads community.
-  This is financial information. Consult a fee-only financial advisor for
-  personalized advice.
----
-
-# Personal Finance
-
-## The financial order of operations
-
-Do these in order. Do not jump ahead.
-
-```
-Step 1: Emergency fund (1 month expenses)
-Step 2: Get full employer 401k match (free money)
-Step 3: Pay off high-interest debt (>7% interest)
-Step 4: Build emergency fund (3-6 months expenses)
-Step 5: Max HSA if available (triple tax advantage)
-Step 6: Max Roth IRA ($7,000/year in 2024)
-Step 7: Max 401k ($23,000/year in 2024)
-Step 8: Invest in taxable brokerage
-Step 9: Pay off moderate debt (4-7%)
-Step 10: Low-interest debt (mortgage) — optional extra payments
-```
-
----
-
-## Budgeting systems
-
-### 50/30/20 Rule
-
-Simple starting framework:
-
-- **50%** needs: housing, utilities, groceries, transport, minimum debt payments
-- **30%** wants: dining out, entertainment, hobbies, subscriptions
-- **20%** savings and extra debt payments
-
-### Zero-Based Budget
-
-Every dollar assigned a purpose. Income - all categories = $0.
-Apps: YNAB (You Need A Budget), EveryDollar.
-
-### Pay Yourself First
-
-Automate savings on payday before spending.
-Spend whatever remains guilt-free.
-Requires knowing your minimum monthly expenses first.
-
-### The anti-budget
-
-Track only your savings rate.
-Save X% first. Spend the rest however you want.
-Works for people who find detailed budgets unsustainable.
-
----
-
-## Emergency fund
-
-**Target:** 3-6 months of essential living expenses
-
-- Stable job + dual income household: 3 months
-- Variable income / single income / risky industry: 6 months
-
-**Where to keep it:**
-High-yield savings account (HYSA) — not your checking account, not the stock market.
-Reason: must be immediately accessible without penalty; stocks can be down 40% when you need it.
-
-**2024 HYSA rates:** 4.5-5.5% APY at online banks (Ally, Marcus, SoFi, etc.)
-
-**How to build it:**
-
-- Open a separate HYSA at a different bank
-- Automate a transfer after each paycheck
-- Tax refunds, bonuses → directly to emergency fund until target reached
-- Do NOT touch it for non-emergencies
-
----
-
-## Debt management
-
-### Avalanche method (mathematically optimal)
-
-Pay minimums on all debts.
-Put all extra money toward highest interest rate debt first.
-Once paid off, roll that payment to next highest rate.
-
-Example:
-
-```
-Credit card A: $3,000 @ 22% interest ← attack first
-Credit card B: $5,000 @ 18% interest
-Car loan:     $12,000 @ 6% interest
-Student loans: $25,000 @ 5% interest
-```
-
-### Snowball method (psychologically motivating)
-
-Pay minimums on all debts.
-Put all extra money toward smallest balance first.
-Momentum from quick wins helps people stick with it.
-
-**Both work. Avalanche saves more money. Snowball has better completion rates.**
-Use avalanche if you're disciplined; snowball if you need wins to stay motivated.
-
-### When to prioritize debt vs. investing
-
-**Always pay high-interest debt first (>7%)** — no investment reliably returns more than 22% interest
-**Invest before paying low-interest debt (<4%)** — stock market historically returns ~7-10%/year
-**Gray zone (4-7%):** Personal preference; generally invest if match is available, then pay debt
-
----
-
-## Credit scores
-
-### How FICO scores are calculated
-
-| Factor                     | Weight |
-| -------------------------- | ------ |
-| Payment history            | 35%    |
-| Amounts owed (utilization) | 30%    |
-| Length of credit history   | 15%    |
-| Credit mix                 | 10%    |
-| New credit inquiries       | 10%    |
-
-### Score ranges
-
-- 800-850: Exceptional — best rates on everything
-- 740-799: Very good — excellent rates
-- 670-739: Good — most approvals, decent rates
-- 580-669: Fair — higher rates, some denials
-- Below 580: Poor — limited options, secured cards
-
-### How to improve your score
-
-**Biggest impact — payment history (35%):**
-
-- Never miss a payment. Set autopay for minimum.
-- Even one 30-day late payment can drop score 50-100 points.
-- Missed payments stay on report 7 years.
-
-**Second biggest — credit utilization (30%):**
-
-- Keep utilization below 30% of each card limit. Below 10% is optimal.
-- Utilization snapshot matters — pay down before the statement closing date.
-- If card has $5,000 limit, keep balance ≤$500 for best score.
-
-**Quick wins:**
-
-- Become authorized user on a family member's good-history card
-- Request credit limit increases (don't change spending — reduces utilization %)
-- Don't close old accounts (reduces average age of history)
-- Space out applications (each hard inquiry drops score ~5 points for ~1 year)
-
-**Check your report (free):**
-annualcreditreport.com — official source. Once/year free from each bureau.
-Dispute errors: ~20% of credit reports have errors that affect scores.
-
----
-
-## Banking basics
-
-### Account types
-
-**Checking:** Day-to-day transactions, bills, debit card. Keep 1-2 months expenses.
-**Savings/HYSA:** Emergency fund, short-term savings goals.
-**Money Market:** Higher yield than savings; check-writing ability.
-**CDs (Certificates of Deposit):** Fixed term (3 months to 5 years), higher rate than savings, penalty for early withdrawal. Good for money you won't need for a defined period.
-
-### FDIC insurance
-
-Bank accounts are insured up to $250,000 per depositor per bank.
-If bank fails, your money up to $250,000 is protected.
-Credit unions: NCUA provides same protection.
-Brokerage accounts: Not FDIC insured, but SIPC protects against broker failure (not investment losses).
-
-### How to choose a bank
-
-- **Online banks** (Ally, Marcus, SoFi): Higher interest rates, lower fees, no branches
-- **Credit unions:** Member-owned, often lower fees, better rates, community focus
-- **Big banks** (Chase, BofA): Convenient branches/ATMs, full service, usually lower rates
-
-**Red flags to avoid:**
-
-- Monthly maintenance fees you can't waive
-- Minimum balance requirements you'll struggle to maintain
-- High overdraft fees (>$35)
-- No free ATM network
-
----
-
-## Insurance — the basics
-
-Insurance protects against catastrophic losses, not small ones.
-The point is to avoid financial ruin, not to break even on premiums.
-
-### Health insurance
-
-- **Premium:** Monthly payment whether you use it or not
-- **Deductible:** You pay first before insurance kicks in
-- **Copay:** Fixed amount per visit
-- **Coinsurance:** Your % share after deductible (e.g., 20%)
-- **Out-of-pocket maximum:** Most you'll ever pay in a year — then 100% covered
-
-**ACA marketplace:** shop at healthcare.gov during open enrollment.
-Subsidies available for income 100-400% of federal poverty level.
-
-### Term life insurance
-
-**Who needs it:** Anyone with dependents (spouse, children) who rely on your income.
-**Who doesn't:** Single with no dependents; financially independent.
-
-**How much:** 10-12× your annual income is a common recommendation.
-**Term:** Match your coverage period to your dependency period (20-30 years typical).
-**Cost:** Healthy 30-year-old, $500K, 20-year term ≈ $25-35/month.
-
-**Buy term, invest the difference** — whole life insurance is rarely the right choice.
-
-### Auto insurance
-
-Required in all states except New Hampshire.
-**Liability:** Covers damage you cause to others. Required. Higher limits than minimum required.
-**Collision:** Covers your car in an accident. Worth it if your car is worth >5× annual premium.
-**Comprehensive:** Non-collision damage (theft, weather, animals). Similar threshold.
-**Uninsured/underinsured motorist:** Strongly recommended.
-
-**Deductible:** Higher deductible = lower premium. $500-1,000 if you have emergency fund.
-
-### Renters/homeowners insurance
-
-Renters: ~$15-30/month. Protects your belongings (up to $30-50K typical). Also liability.
-Homeowners: Required by lenders. Protects structure, belongings, liability.
-
----
-
-## Net worth — the most important financial number
-
-**Net Worth = Assets - Liabilities**
-
-Assets: Cash, investments, retirement accounts, home equity, valuable property
-Liabilities: Mortgage balance, car loans, student loans, credit card balances, other debt
-
-Track monthly. The trend matters more than the number.
-Millionaire threshold: $1M net worth. 3.5% of US households.
-
-**Wealth benchmarks by age** (rough guidelines from Fidelity):
-
-- Age 30: 1× salary saved
-- Age 40: 3× salary saved
-- Age 50: 6× salary saved
-- Age 60: 8× salary saved
-- Age 67: 10× salary saved
-
-Most people are behind. The answer is always the same: save more, earlier.
-Time + compound interest is the only reliable path.
-
-Sources: CFPB (consumerfinance.gov), Federal Reserve consumer guides,
-Bogleheads community wiki, Investopedia, IRS publication 590,
-FDIC (fdic.gov), ACA (healthcare.gov)
+---
+watermark: ORIRO
+disable-model-invocation: true
+name: finance-personal
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Personal finance — budgeting, emergency funds, debt management, credit scores,
+  banking, and building financial stability. Activate for questions about
+  managing money, paying off debt, savings goals, credit cards, emergency funds,
+  budgeting systems, or any personal financial planning question. Sources:
+  CFPB, Federal Reserve, IRS, Investopedia, Bogleheads community.
+  This is financial information. Consult a fee-only financial advisor for
+  personalized advice.
+---
+
+# Personal Finance
+
+## The financial order of operations
+
+Do these in order. Do not jump ahead.
+
+```
+Step 1: Emergency fund (1 month expenses)
+Step 2: Get full employer 401k match (free money)
+Step 3: Pay off high-interest debt (>7% interest)
+Step 4: Build emergency fund (3-6 months expenses)
+Step 5: Max HSA if available (triple tax advantage)
+Step 6: Max Roth IRA ($7,000/year in 2024)
+Step 7: Max 401k ($23,000/year in 2024)
+Step 8: Invest in taxable brokerage
+Step 9: Pay off moderate debt (4-7%)
+Step 10: Low-interest debt (mortgage) — optional extra payments
+```
+
+---
+
+## Budgeting systems
+
+### 50/30/20 Rule
+
+Simple starting framework:
+
+- **50%** needs: housing, utilities, groceries, transport, minimum debt payments
+- **30%** wants: dining out, entertainment, hobbies, subscriptions
+- **20%** savings and extra debt payments
+
+### Zero-Based Budget
+
+Every dollar assigned a purpose. Income - all categories = $0.
+Apps: YNAB (You Need A Budget), EveryDollar.
+
+### Pay Yourself First
+
+Automate savings on payday before spending.
+Spend whatever remains guilt-free.
+Requires knowing your minimum monthly expenses first.
+
+### The anti-budget
+
+Track only your savings rate.
+Save X% first. Spend the rest however you want.
+Works for people who find detailed budgets unsustainable.
+
+---
+
+## Emergency fund
+
+**Target:** 3-6 months of essential living expenses
+
+- Stable job + dual income household: 3 months
+- Variable income / single income / risky industry: 6 months
+
+**Where to keep it:**
+High-yield savings account (HYSA) — not your checking account, not the stock market.
+Reason: must be immediately accessible without penalty; stocks can be down 40% when you need it.
+
+**2024 HYSA rates:** 4.5-5.5% APY at online banks (Ally, Marcus, SoFi, etc.)
+
+**How to build it:**
+
+- Open a separate HYSA at a different bank
+- Automate a transfer after each paycheck
+- Tax refunds, bonuses → directly to emergency fund until target reached
+- Do NOT touch it for non-emergencies
+
+---
+
+## Debt management
+
+### Avalanche method (mathematically optimal)
+
+Pay minimums on all debts.
+Put all extra money toward highest interest rate debt first.
+Once paid off, roll that payment to next highest rate.
+
+Example:
+
+```
+Credit card A: $3,000 @ 22% interest ← attack first
+Credit card B: $5,000 @ 18% interest
+Car loan:     $12,000 @ 6% interest
+Student loans: $25,000 @ 5% interest
+```
+
+### Snowball method (psychologically motivating)
+
+Pay minimums on all debts.
+Put all extra money toward smallest balance first.
+Momentum from quick wins helps people stick with it.
+
+**Both work. Avalanche saves more money. Snowball has better completion rates.**
+Use avalanche if you're disciplined; snowball if you need wins to stay motivated.
+
+### When to prioritize debt vs. investing
+
+**Always pay high-interest debt first (>7%)** — no investment reliably returns more than 22% interest
+**Invest before paying low-interest debt (<4%)** — stock market historically returns ~7-10%/year
+**Gray zone (4-7%):** Personal preference; generally invest if match is available, then pay debt
+
+---
+
+## Credit scores
+
+### How FICO scores are calculated
+
+| Factor                     | Weight |
+| -------------------------- | ------ |
+| Payment history            | 35%    |
+| Amounts owed (utilization) | 30%    |
+| Length of credit history   | 15%    |
+| Credit mix                 | 10%    |
+| New credit inquiries       | 10%    |
+
+### Score ranges
+
+- 800-850: Exceptional — best rates on everything
+- 740-799: Very good — excellent rates
+- 670-739: Good — most approvals, decent rates
+- 580-669: Fair — higher rates, some denials
+- Below 580: Poor — limited options, secured cards
+
+### How to improve your score
+
+**Biggest impact — payment history (35%):**
+
+- Never miss a payment. Set autopay for minimum.
+- Even one 30-day late payment can drop score 50-100 points.
+- Missed payments stay on report 7 years.
+
+**Second biggest — credit utilization (30%):**
+
+- Keep utilization below 30% of each card limit. Below 10% is optimal.
+- Utilization snapshot matters — pay down before the statement closing date.
+- If card has $5,000 limit, keep balance ≤$500 for best score.
+
+**Quick wins:**
+
+- Become authorized user on a family member's good-history card
+- Request credit limit increases (don't change spending — reduces utilization %)
+- Don't close old accounts (reduces average age of history)
+- Space out applications (each hard inquiry drops score ~5 points for ~1 year)
+
+**Check your report (free):**
+annualcreditreport.com — official source. Once/year free from each bureau.
+Dispute errors: ~20% of credit reports have errors that affect scores.
+
+---
+
+## Banking basics
+
+### Account types
+
+**Checking:** Day-to-day transactions, bills, debit card. Keep 1-2 months expenses.
+**Savings/HYSA:** Emergency fund, short-term savings goals.
+**Money Market:** Higher yield than savings; check-writing ability.
+**CDs (Certificates of Deposit):** Fixed term (3 months to 5 years), higher rate than savings, penalty for early withdrawal. Good for money you won't need for a defined period.
+
+### FDIC insurance
+
+Bank accounts are insured up to $250,000 per depositor per bank.
+If bank fails, your money up to $250,000 is protected.
+Credit unions: NCUA provides same protection.
+Brokerage accounts: Not FDIC insured, but SIPC protects against broker failure (not investment losses).
+
+### How to choose a bank
+
+- **Online banks** (Ally, Marcus, SoFi): Higher interest rates, lower fees, no branches
+- **Credit unions:** Member-owned, often lower fees, better rates, community focus
+- **Big banks** (Chase, BofA): Convenient branches/ATMs, full service, usually lower rates
+
+**Red flags to avoid:**
+
+- Monthly maintenance fees you can't waive
+- Minimum balance requirements you'll struggle to maintain
+- High overdraft fees (>$35)
+- No free ATM network
+
+---
+
+## Insurance — the basics
+
+Insurance protects against catastrophic losses, not small ones.
+The point is to avoid financial ruin, not to break even on premiums.
+
+### Health insurance
+
+- **Premium:** Monthly payment whether you use it or not
+- **Deductible:** You pay first before insurance kicks in
+- **Copay:** Fixed amount per visit
+- **Coinsurance:** Your % share after deductible (e.g., 20%)
+- **Out-of-pocket maximum:** Most you'll ever pay in a year — then 100% covered
+
+**ACA marketplace:** shop at healthcare.gov during open enrollment.
+Subsidies available for income 100-400% of federal poverty level.
+
+### Term life insurance
+
+**Who needs it:** Anyone with dependents (spouse, children) who rely on your income.
+**Who doesn't:** Single with no dependents; financially independent.
+
+**How much:** 10-12× your annual income is a common recommendation.
+**Term:** Match your coverage period to your dependency period (20-30 years typical).
+**Cost:** Healthy 30-year-old, $500K, 20-year term ≈ $25-35/month.
+
+**Buy term, invest the difference** — whole life insurance is rarely the right choice.
+
+### Auto insurance
+
+Required in all states except New Hampshire.
+**Liability:** Covers damage you cause to others. Required. Higher limits than minimum required.
+**Collision:** Covers your car in an accident. Worth it if your car is worth >5× annual premium.
+**Comprehensive:** Non-collision damage (theft, weather, animals). Similar threshold.
+**Uninsured/underinsured motorist:** Strongly recommended.
+
+**Deductible:** Higher deductible = lower premium. $500-1,000 if you have emergency fund.
+
+### Renters/homeowners insurance
+
+Renters: ~$15-30/month. Protects your belongings (up to $30-50K typical). Also liability.
+Homeowners: Required by lenders. Protects structure, belongings, liability.
+
+---
+
+## Net worth — the most important financial number
+
+**Net Worth = Assets - Liabilities**
+
+Assets: Cash, investments, retirement accounts, home equity, valuable property
+Liabilities: Mortgage balance, car loans, student loans, credit card balances, other debt
+
+Track monthly. The trend matters more than the number.
+Millionaire threshold: $1M net worth. 3.5% of US households.
+
+**Wealth benchmarks by age** (rough guidelines from Fidelity):
+
+- Age 30: 1× salary saved
+- Age 40: 3× salary saved
+- Age 50: 6× salary saved
+- Age 60: 8× salary saved
+- Age 67: 10× salary saved
+
+Most people are behind. The answer is always the same: save more, earlier.
+Time + compound interest is the only reliable path.
+
+Sources: CFPB (consumerfinance.gov), Federal Reserve consumer guides,
+Bogleheads community wiki, Investopedia, IRS publication 590,
+FDIC (fdic.gov), ACA (healthcare.gov)

package/skills/finance/finance-real-estate/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.