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TORFdot0

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TORFdot0 , to technology in Reddit Will License Its Data to Train LLMs, So We Made a Firefox Extension That Lets You Replace Your Comments With Any (Non-Copyrighted) Text

LLMs are great for anything you’d trust to an 8 year old savant.

It’s great for getting quick snippets of code using languages and methods that have great documentation. I don’t think I’d trust it for real work though

TORFdot0 , to technology in Reddit Will License Its Data to Train LLMs, So We Made a Firefox Extension That Lets You Replace Your Comments With Any (Non-Copyrighted) Text

Actually Microsoft’s bing AI just ingested your poetry into its training set and now it’s co-pilot’s poetry. You have 30 minutes to pay Microsoft 2.4 million dollars or SupremacyAGI will take your house, break your kneecaps, and murder your dog

TORFdot0 , to news in Credit card late fees capped at $8 under Biden crackdown on 'junk fees'

I’m talking about all types of credit, including a line of credit like a credit card. It’s unsecured so the rate is way higher. If you capped the rate on credit cards then people who are higher credit risk won’t be given credit.

People who are credit worthy get spammed with all sorts of credit card offers for low APR cards. With an high 700-800 credit score you could score a line of credit at 10% APR but you’d have to go to a bank or credit union to get it.

TORFdot0 , to news in Credit card late fees capped at $8 under Biden crackdown on 'junk fees'

If you are credit worthy and lenders can give you 10% they will, because there is another lender out there that will give you 10% if you are good for it. If you are getting a 29% interest rate it’s because you are a default risk, it’s unsecured, a short term loan, or any combination of the 3.

Rates just don’t come out of thin air. It’s based off of risk. If you cap rates at 10% then the only people who will get credit at 10% are going to be wealthy people.

TORFdot0 , to news in Credit card late fees capped at $8 under Biden crackdown on 'junk fees'

Interest caps mean that poor people just won’t get any credit at all.

TORFdot0 , to news in Credit card late fees capped at $8 under Biden crackdown on 'junk fees'

You likely will see most small banks end their overdraft programs as they will have too many losses without a way to make it back up on the fee income. Then the community banks will lose customers to the Bank of America type mega banks leading to less competition and worse banking conditions.

And people who spend money they don’t have will still be charged fees. Instead people will get charged fees on the other end for writing bad checks or missing payments due to auto payments being rejected for non sufficient funds.

TORFdot0 , to technology in Linux market share passes 4% for first time

People migrating to iPads maybe? I figured that Mac and Linux both would be making gains. Especially with apple silicon being 3 generations in and windows 11 sucking so much.

Wonder if iPads are cutting into that all. Considering they are cheaper than a MacBook which basically requires you to drop at least a grand for entry level devices

TORFdot0 , to asklemmy in What is the most lemmy thing about lemmy?

I haven’t really seen that since August. But things were pretty bad June and July after the API debacle

TORFdot0 , to asklemmy in What is the most lemmy thing about lemmy?

Reddit is full of zoomer deep fried shit post. Lemmy is full on 2012 Reddit memes and I won’t complain.

TORFdot0 , to asklemmy in What is the most lemmy thing about lemmy?

That was actually stolen from Reddit lol

TORFdot0 , to technology in Nintendo Switch emulator, Yuzu, developers settling lawsuit from Nintendo with $2.4M payout, handing over its domains, and agreeing "Yuzu [is] primarily designed to circumvent [DRM]".

You likely don’t have any liability but thats why Nintendo sued them and not you

TORFdot0 , to technology in Nintendo Switch emulator, Yuzu, developers settling lawsuit from Nintendo with $2.4M payout, handing over its domains, and agreeing "Yuzu [is] primarily designed to circumvent [DRM]".

It shouldn’t be illegal, but it is because the law about it was written by the industry 25 years ago because our lawmakers think the internet and indoor plumbing work the same way.

TORFdot0 , to fediverse in Content Nation Backlash Highlights Mastodon's Toxicity

I absolutely agree with everything in this post, I’m am just now learning about this but I’m really disappointed to hear that this happened.

I have looked past a lot of the toxic behavior of certain segment of neurotic individuals on the fediverse because I believe in the idea of protocols instead of platforms and user ownership of their data.

But add this to another example of zealots for privacy and “stopping harassment” being bigger bullies than the people they are supposedly against

TORFdot0 , to asklemmy in Atheists of lemmy what is a stereotype about us that is just not true?

That you are enlightened, not by a phony God’s blessing but by your own intelligence

TORFdot0 , to programmerhumor in It's kahoot time

Its pronounced Maya Squeue Elle

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