lmmarsano
@lmmarsano@lemmynsfw.com
- Comment on Too soon? 2 days ago:
Does that mean you don’t believe in empathy?
Sincerely believing in empathy as a guide doesn’t mean only when it’s convenient. Empathy isn’t supposed to be convenient.
For clarification, I’m not claiming he deserves empathy.
- Comment on Too soon? 2 days ago:
I feel bad that piece of shit procreated.
cosmic karma at work
just-world fallacy & Hindu karma doesn’t work that way
- Comment on Too soon? 2 days ago:
That unnecessary image of text could have been accessible, quoted text that supports searches and is fault tolerant against image breaks.
- Comment on Too soon? 2 days ago:
possible to be empathetic about the manner of his death and the suffering
What would that the serve? Seems like a waste of emotion.
- Comment on Mamdani Promises: “We’ll Divest From Israel, Ease Crackdown on Pro-Pales 5 days ago:
So are Israeli bonds the same as a US Treasury bond?
Though I’m no expert, they’re in the same asset class or similar classes. Their investment portfolio may likely include US Treasury bonds, and common financial advice is to diversify by including a mix of other bonds.
The rest you wrote seems about right.
- Comment on Mamdani Promises: “We’ll Divest From Israel, Ease Crackdown on Pro-Pales 5 days ago:
Israeli bonds
S&P 500 ETF
Entirely different asset classes: fixed income vs equity.
Fixed income is for lower risk & volatility with a more predictable (typically lower) rate of return.
Nonetheless, 5% return on bonds is hardly exceptional, and comparable alternatives exist in that asset class.
- Comment on Trump Admin Warns GOP: Demanding More Epstein Files Is an ‘Act of War’ Against the White House 1 week ago:
There is a list, but there is no list.
Is either claim falsifiable?
Believers claim a blackmail list or compendium of damning documents has been shielded from public disclosure by an insidious “Deep State”. The press has long reported there is no credible sign of that & Trump played up conspiracy theories to win the following of useful idiots who subscribe to them.
What kind of evidence would a believer accept if the truth isn’t exactly as they believe?
- Comment on Finish the story, chat. 1 week ago:
Other than break accessibility, searchability, fault tolerance, & make the web less usable, what is this image of text lacking alt text doing that real text doesn’t?
- Comment on bet you can think of more 2 weeks ago:
In other words, touch grass?
- Comment on Yes, you can store data on a bird — enthusiast converts PNG to bird-shaped waveform, teaches young starling to recall file at up to 2MB/s 2 weeks ago:
Humans are worse: the original statement stands.
- Comment on Yes, you can store data on a bird — enthusiast converts PNG to bird-shaped waveform, teaches young starling to recall file at up to 2MB/s 2 weeks ago:
Starlings are cooler than you, though.
- Comment on [deleted] 2 weeks ago:
Can we all agree kids shouldn’t be watching Porn?
Not even the US Supreme Court agrees with you.
constitutional interpretation has consistently recognized that the parents’ claim to authority in their own household to direct the rearing of their children is basic in the structure of our society
They argue parents should be free to show porn magazines to children
Moreover, the prohibition against sales to minors does not bar parents who so desire from purchasing the magazines for their children.
And this
p*ornhub
Seriously?
- Comment on Who is the enemy? 2 weeks ago:
Where’s the fucking list Donny?
So, we’re positive there’s a secret list now instead of a wild claim out of the right-wing conspiracy hole that Donny played up to undermine the establishment to bolster MAGA votes like the press has been saying months ago?
I understand it’s a convenient weapon to turn against Donny, and it’d be funny if his coalition imploded over an unsatisfiable demand he created, but they’re not here on lemmy, so why is this here?
- Comment on Who is the enemy? 2 weeks ago:
Shitlibs that pretend Bill Clinton and Joe Biden aren’t pedos
This guy loves wild, unsubstantiated claims.
- Comment on Teen killed himself after ‘months of encouragement from ChatGPT’, lawsuit claims 2 weeks ago:
A human being that should be criticized mercilessly?
- Comment on Teen killed himself after ‘months of encouragement from ChatGPT’, lawsuit claims 2 weeks ago:
unalives
seriously?
- Comment on Teen killed himself after ‘months of encouragement from ChatGPT’, lawsuit claims 2 weeks ago:
As far as I know, magic doesn’t exist, so words are incapable of action & can’t actually kill anyone. A person who commits suicide chooses it & takes action to perform it. They are responsible for their suicide even if another person tells them & hands them a weapon.
These are merely words on a screen lacking force to compel. There’s no intent or likelihood to incite imminent, lawless action. Readers have agency & plenty of time to think words through & reject ideas.
It’s hardly any different than an oblivious peer saying the same thing. Their words shouldn’t create any legal obligation, and neither should these.
- Comment on Kick faces possible $49 M fine after French streamer Jean Pormanove dies on air 2 weeks ago:
This comment might provide some insights: lemmy.zip/comment/21080783
Sources for that information should be easy to cite, yet I notice none.
they can do it in private
How do we tell real apart from fake performances? Should fake performances be private only when they already aren’t? Seems difficult to police without chilling freedoms.
Economic coercion needs to be controlled somehow. I guess the question is how to police actual abuse while permitting legal performances like the Jackass franchise of reality, slapstick comedy.
- Comment on Lemmy be like 2 weeks ago:
“haha this person has sincere beliefs, what a moron!”
It’s more like
this person is making us sicker of them than the thing they’re telling us to be sick of, and we were already sick of that!
Getting sanctimonious & overbearing with people who don’t even disagree with you isn’t effective advocacy. We largely avoid AI already, and a tedious circlejerk isn’t getting us anywhere or adding anything that isn’t frequently stated.
By drawing more ire toward them than things we should be sick of, circlejerks are unjust & deserve all they derision they can get until balance is restored.
- Comment on Kick faces possible $49 M fine after French streamer Jean Pormanove dies on air 2 weeks ago:
Can someone point that out the part where this wasn’t voluntary or the guy was held captive & not free to leave or end the voluntary abuse at any time?
Isn’t this idiots kink-playing too hard with extra fines & no accountability?
Viral compilation threads have shown Pormanove being hit, strangled, and fired at with paintball guns while streaming with Naruto and Safine, whose lawyers claim they hold “no responsibility.”
- Comment on The internet kind of sucks right now 2 weeks ago:
No, you are not. I also give 0 fucks about intellectual property.
People with their modern conveniences have it so well, they just make shit up to be upset about.
- Comment on 4chan refuses to pay UK Online Safety Act fines, asks Trump admin to intervene 3 weeks ago:
But then where will exiled trolls live? Will you adopt a troll?
- Comment on The internet kind of sucks right now 3 weeks 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 3 weeks ago:
Will they live?
- Comment on The internet kind of sucks right now 3 weeks 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 weeks 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. 3 weeks 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' 3 weeks 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' 3 weeks 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' 3 weeks 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.