lmmarsano
@lmmarsano@lemmynsfw.com
- Comment on 4chan refuses to pay UK Online Safety Act fines, asks Trump admin to intervene 20 hours ago:
But then where will exiled trolls live? Will you adopt a troll?
- Comment on The internet kind of sucks right now 21 hours ago:
Slippery slope: none of that necessarily happens. As with any tool, it’s up to the users.
What we know for sure is that these are modern nuisances for people who live relatively amazing lives, so they just make shit up to be upset about. People in other places have real problems.
- Comment on The internet kind of sucks right now 22 hours ago:
Will they live?
- Comment on The internet kind of sucks right now 1 day ago:
Oh noes, 1^st^ world problems. How will we live?
- Comment on Sam Altman admits OpenAI ‘totally screwed up’ its GPT-5 launch and says the company will spend trillions of dollars on data centers 3 days ago:
It’s hard to express empathy for someone that fails that hard without feeling like an empathy whore. Someone might think they brought that on themselves, need to work on their shit, and expressing phony feel-good nothings does no better than just saying what we think. Clearly, we’re don’t know anything about the world, so please teach us your enlightened ways, wise one?
- Comment on This is very funny to me. 4 days ago:
Europe is good at failing?
- Comment on Steam payment headaches grow as PayPal is no longer usable for much of the world: Valve hopes to bring it back in the future, 'but the timeline is uncertain' 6 days ago:
If credit cards users pay higher prices than non-users, checking accounts are secure from erroneous/unauthorized transactions, and transfers are instant, then the use case for credit cards is less clear.
If they don’t cost you any more, then those are the once which are expensive on the stores you buy from.
That changes the trade-offs a bit. I missed the assumption that credit card users pay the same prices (& no extra fees) as everyone else: processing fees are typically paid by the vendor who includes it in prices everyone pays regardless of credit card.
In the US, credit card users basically get short-term, interest-free loans subsidized by the hidden costs in processing fees everyone is paying. Since we can’t do much to change that, we must get a credit card or miss out on shit we’re paying for.
If credit card users pay the processing fees directly, then it’s no longer “free” to use credit cards.
It doesn’t help that those credit cards compensate (poorly) for deficiencies in our financial system as I’ll explain.
A normal bank card is way harder to even get into a situation where you need to open a dispute
Maybe yours. Here, online payments only need some numbers on the debit card & your name & billing address.
Unauthorised debits are such a rare thing
All it takes here is debit card information or an (e-)check. A check openly shows your routing number & bank account number & states to pay from there. Low barriers to fraud.
most credit card companies do not care about you getting scammed either btw because you authorised the transaction
Different here: by law no one who disputes a charge within 60 days is obligated to pay it until the dispute is resolved (within 90 days). It’s usually charged back immediately. Due to insecurity, authorization isn’t assumed: the dispute is often that you didn’t authorize the charge, which they investigate.
Transfers between accounts are instant these days
Maybe in more civilized parts of the world. In the US, transfers & payments between financial institutions usually take business days to settle. Real-time payment is still uncommon there.
You also mean unauthorised credits
I agree that makes more sense in accounting. It’s often stated as I did with bank accounts & I gave up trying to figure that out.
I could lock the money for a year to get like 2.9% interest instead of the 1.2%.
My regular & emergency savings go in an account like this with 4.3 APY, and that’s “instantly” (as fast as a checking account) accessible. The slow settlement times, security risks, and “free” credit cards may offer some insights into our haphazard financial landscape & stopgap “solutions”. The sensibility of credit cards is a byproduct of this broken system.
- Comment on Steam payment headaches grow as PayPal is no longer usable for much of the world: Valve hopes to bring it back in the future, 'but the timeline is uncertain' 6 days ago:
they are still more expensive and if you use some kind of bookkeeping or budgeting software
Not in the slightest (cost me 0), and I do.
cashback
Not the main selling point.
insurance part
That is a good use case: charges easier to dispute & reverse.
A normal bank card spends your real money. Disputing through a bank may take longer. Until the bank returns money to your account, that money is gone.
technical benefit That’s a use case for me: risk mitigation & flexibility to optimize returns on my savings.
Assumptions
- my checking account earns diddly squat interest & risk of unauthorized debits is meaningful (eg, debit cards)
- other accounts of varying liquidity (such as emergency savings, taxed investment, retirement, etc.) earn better
- transferring between accounts (or selling less liquid assets) takes time
- I budget correctly to always spend within my means, so I know enough money is somewhere.
Constantly transferring between accounts for every single transaction is inconvenient. Leaving money in the checking account isn’t ideal due to low interest earnings & risk of unauthorized debits.
Solution
- as much as possible, keep checking account near 0 & keep most money where it earns better returns
- charge expenses to a credit card (at most 30% of its credit limit), then transfer to checking account the total to completely pay off the credit card when convenient well before payment due date.
The credit card is simply an instrument to allow me time & flexibility to move money I already have to pay expenses. The money is usually earning kickass interest (at least enough to beat inflation) somewhere and takes a non-instant amount of time to transfer.
Always completely pay off a credit card by the payment due date. A credit card is a shitty account to carry a debt (any non-0 balance past the due date): only dumbasses do that.
will hurt your credt score
If it works like in the US, then as long as you make mortgage & all other bill payments on time, completely pay off credit cards by payment due dates, and keep credit utilization low (at most 30% of card’s credit limit), you should be fine.
Taking out a mortgage temporarily lowers your credit score until it recovers with consistent repayments over a few months. Then the added credit mix usually improves credit scores.
Are mortgages not paid there in regular installments with due amounts like in the US?
the average joe
You don’t have an account (maybe savings) that earns better interest? You’re not saving for emergencies, retirement, or goals?
the responsibility of the credit card
It’s usually just slack time (until payment due date) to make a payment you would already make some other way.
- Comment on Steam payment headaches grow as PayPal is no longer usable for much of the world: Valve hopes to bring it back in the future, 'but the timeline is uncertain' 6 days ago:
Wouldn’t you use PayPal as a digital wallet for you credit cards & reverse fraudulent charges through your credit card company?
Now if you link an actual bank account to PayPal, pay with that bank account, and get scammed, then that’s your actual money spent, and no shit that’s harder to reverse. You’d probably have to through your bank, and they may not do it.
- Comment on Steam payment headaches grow as PayPal is no longer usable for much of the world: Valve hopes to bring it back in the future, 'but the timeline is uncertain' 6 days ago:
Only if you’re bad with finances & don’t understand their use cases.
- Comment on AI IS BURNING THE PLANNET!! 1 week ago:
Argument from fallacy is the formal fallacy of analyzing an argument and inferring that, since it contains a fallacy, its conclusion must be false.
Where is the claim of a false conclusion? You’re just proving you don’t know understand the fallacy.
considering we are discussing the host of the information being the proverbial nazi bar
Source: Nazi bar
The irrelevance & irrationality of the objection to the credibility of the graph is being ridiculed.
It’s basically
I don’t like that source, because with a few degrees of separation irrelevant to the truth of anything I can relate something else to Nazis.
Pretty much anything can relate irrelevantly to Nazis: they express ideas in the same language, use the same internet, breathe the same air.
By that logic, we should reject sources in any language, online system, or atmosphere Nazis have touched. Where are those objections? Why are you using Nazi-tainted language, internet, and air?
Where are the objections to the credibility of tweets often reposted here?
By arguing against open media usable by anyone because villains have posted some articles we need to take effort to locate & read, they’re basically claiming we need to be babied & nannied by having content we dislike excluded for us, because we can’t be expected to do that ourselves. The expectation is patronizing.
If the concern is ad revenue, substack doesn’t work that way: revenue is subscription-based on commission fees charged to writers. No one gets revenue from free articles: if anything, freeloaders cost substack bandwidth.
- Comment on Lemmy be like 1 week ago:
OK, but you’re just making yourselves lolcows at this point where you announce these easy-to-push buttons & people derive joy from pushing them. Imitating AI just to troll is a thing now.
So…that’s a victory?
- Comment on AI IS BURNING THE PLANNET!! 1 week ago:
Cool genetic fallacy, brah.
- Comment on Lemmy be like 1 week ago:
Also fixed.
- Comment on HR people smiling at you thinking that you are a complete moron 1 week ago:
That’s why I decline meetings without an agenda. No agenda = lack of preparation = waste of time = not a meeting.
- Comment on Lemmy be like 1 week ago:
fixed
- Comment on Lemmy be like 1 week ago:
AI BAD, TRUMP BAD, GENOCIDE BAD.
Now where are my upvotes?
- Comment on Lemmy be like 1 week ago:
Did an airplane touch you the wrong way?
- Comment on Lemmy be like 1 week ago:
Do you really need to have a list of why people are sick of LLM and Ai slop?
With the number of times that refrain is regurgitated here ad nauseum, need is an odd way to put it. Sick of it might fit sentiments better. Done with this & not giving a shit is another.
- Comment on HELP HIM. 1 week ago:
Even so, still not NSFW. Wondering “It’s tagged NSFW but is it actually NSFW?” creates its own issues & nuisances.
- Comment on People were mad because they lost their AI boyfriend after GPT-4o deprecation 2 weeks ago:
The privacy of posting a comment on a website open to the public?
- Comment on People were mad because they lost their AI boyfriend after GPT-4o deprecation 2 weeks ago:
Is it not public information?
Maybe they should instead provide a direct link to the post for fault tolerance, searchability, accessibility, etc, instead of breaking the web?
- Comment on HELP HIM. 2 weeks ago:
Dishonest rhetoric? You’re speaking of yourself by twisting NSFW. Words mean things, not whatever you want them to mean.
An image of a rat in an open piping bag doesn’t ordinarily result in disciplinary action at work.
- Comment on HELP HIM. 2 weeks ago:
NSFW means NSFW, though, and not “my personal appreciation filter”.
- Comment on Blamed for Steam games ban, Mastercard encourages censorship during Riot Games VCT livestreams 2 weeks ago:
Could be great links to share over Riot Games streams.
- MasterCard has asked Riot to keep an eye out for negative sentiments on official Riot streams
- Riot has asked esports content creators working with official Riot properties to watch out for any negative sentiments toward MasterCard
- Moderators have been told to look out for any unusual activity around the MasterCard issue
No better publicity than getting their own statements thrown back at their faces.
MasterCard is paying their PR well.
- Comment on HELP HIM. 2 weeks ago:
What part of them is unsafe for work?
- Comment on xkcd #3126: Disclaimer 2 weeks ago:
Imitating LLM to piss off AI haters is just next level trolling. As everyone knows, trolling is a art.
- Comment on Meet the AI vegans: They are choosing to abstain from using artificial intelligence for environmental, ethical and personal reasons. Maybe they have a point 2 weeks ago:
But it makes people come off as extremely annoying. So that’s working.
- Comment on Grok’s ‘spicy’ video setting instantly made me Taylor Swift nude deepfakes 2 weeks ago:
For one, he’s a very public figure.
As is Swift.
maliciously, with intent to harass him personally
Is that the standard? Wouldn’t an act of harassment (as legally defined) rather than only intent of it be a required element?
The argument seems weak for a fake image of a public figure.
- Comment on Grok’s ‘spicy’ video setting instantly made me Taylor Swift nude deepfakes 2 weeks ago:
but the US first amendment is not absolute
It’s pretty clear: strict scrutiny.
Also, the US is not the only jurisdiction in the world.
Would the jurisdiction for a case between a US citizen & US company not be the US?