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cm0002

@ cm0002 @lemmy.world

Posts
9550
Comments
2939
Joined
3 yr. ago

  • Spread of sexual deepfake images created by generative AI growing in Japan

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  • Do you actually audit open source projects you download?

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  • OpenAI's malfeasance with regard to energy usage, data theft,

    I mean that's why I call them silly folks, that's all still attributable to that corporate greed we all hate, but I've also seen them shit on research work and papers just because "AI" Soo yea lol

  • Do you actually audit open source projects you download?

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  • Aside from the few people on Lemmy who are entirely anti-AI

    Those are silly folks lmao

    most people just don't want AI jammed willy-nilly into places where it doesn't belong to do things poorly that it's not equipped to do.

    Exactly, fuck corporate greed!

  • Framasoft, the devs of PeerTube and other projects, are doing an AMA over on !opensource@lemmy.ml - check it out!

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  • Framasoft, the devs of PeerTube and other projects, are doing an AMA over on !opensource@lemmy.ml - check it out!

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  • I wish there was Lemmy gold for these kinds of comments, so uh take this cookie instead: 🍪

  • Framasoft, the devs of PeerTube and other projects, are doing an AMA over on !opensource@lemmy.ml - check it out!

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  • I'm trying! Lmao

  • How to (actually) choose a Linux distro

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  • Meh, everyone has different preferences, I'm firmly on the side of the written word myself, but I don't mind the occasional video presentation of something lol

  • Scooby Don't

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  • [Opinion] India-Pakistan escalation shows there is no military solution for Kashmir

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  • Added 👍

  • Target Leaves Dozens Of Switch 2 Consoles Locked In A Cage On The Store Floor

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  • Welllll the tagline does say "If you have a pair of wirecutters and can move fast, you might be able to get a Switch 2 early"

    Soooo ¯⁠\⁠_⁠(⁠ツ⁠)⁠_⁠/⁠¯

  • I got that debt in me

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  • That's not who BNPL targets.

    My comment has nothing to do with who they target, just how you can properly take advantage of said service.

    There is, though. Spending the $500 you have in savings is an even exchange. Money for goods/services.

    Spending money you don't have through BNPL means you're exchanging a 'promise to pay' or an IOU for goods and services. What happens if you don't pay on time? How much more than the actual purchase price will it cost?

    You need to re-read my comment again, I covered that already

    As far as what happens if you don't pay, well, the exact same thing that happens when you don't make payments on any other type of credit

    Except it's better than other predatory practices such as "Title Loans" because it's unsecured. So worst case scenario, your credit gets dinged for a while and you got to deal with debt collectors. That's a far cry from having your car repossessed or foreclosed on your home

  • I got that debt in me

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  • Again, nuance, you can take out debt for money "you don't have" as long as you can comfortably afford it

    My 500 in savings was an example, but if you didn't have that saved up, there's nothing wrong with putting it on BNPL because again, there's typically no interest.

    Functionally, there's not a whole lot of difference between splitting it into 4 125$ payments on your paychecks, or stashing 125$ from each paycheck to savings.

    Biggest difference is committal, one way you are committed to paying that 125, the other you can skip if you need to (though there are BNPL services that do allow you to "skip" (read: defer) a payment without penalty) But again that goes back to an individuals financial literacy, planning, impulse control and security that you'll have your job the whole time

  • I got that debt in me

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  • BNPL splits the transaction evenly every other week or in some cases, every month. There's typically no interest or even fees in some cases (Zip)

    BNPL can be good, it can also be as bad as any other debt can be.

    Because they're typically interest free, it's essentially "free" money. For example, let's say you have a big purchase you want to make of $500, you can afford this purchase out right because you saved money for it. But you can also afford to have 4 payments of 125$ every 2 weeks direct from your paycheck.

    It's better to take the split, and keep that 500 in savings for numerous reasons from generating interest to keeping it for rainy days.

    Now ofc there's caveats, like everything there's nuance. Like every other type of credit, whether it's complimentary to your finances or devastating to it depends on your impulse control, financial literacy, planning and reasons for using that credit.

  • GNU Taler (a swiss FLOSS alternative to Visa, Mastercard and Paypal) begins operating in Switzerland as Version 1.0 releases

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  • I did crosspost it, I crossposted it from a .ml comm as part of ongoing boycotting efforts (Recap here) see here:

    But, you should take it up with the .ml'er who cross posted it from you, because this is where I crossposted it from:

  • Awful

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  • listen here you little shit

  • Motivation of the day

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  • Well if you're going to call someone a POS that isn't already universally recognized as such, it would help if a reference link was posted along with the comment

  • uwu escapeeeeeeeeee

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  • peggysfeet[dot]com

    (Removed dot because it goes to a scam site)

  • Grande

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  • Still not enough for me lol

  • Removed

    Hidden provision in Trump's 'big, beautiful bill' might undermine US Supreme Court authority

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  • If they actually did their job, but they don't, so no lol