tarranoth
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3 years ago
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on: How Equifax Became a Private IRS
A mortgage is about the ability to pay back hundreds of thousands over an extremely long time period. Your normal shopping is a blip, and it makes barely any difference because normal people just use their credit card the same as if it was a debit one (the only difference you pay it off at the end of the month). So it doesn't tell me anything about your ability to handle real credit. What do I care that you pay off a 100-ish bucks a month by buying food? I don't think paying off your shopping cart is very impressive, and someone telling me "I've paid off my shopping carts for over 15 years" (which is what advice US people seem to throw around to use your credit card for) isn't going to impress me, yet this is what a company uses for important stuff? And at least employment status/income tells me something, rather than nothing.
tarranoth
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3 years ago
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on: How Equifax Became a Private IRS
As far as I understand (not a US citizen), the biggest thing people seem to do is:
-get a credit card
-do your normal shopping with it
But this just seems nonsensical to me, sure if you can't pay your shopping cart, a mortgage is very likely a bad idea. But what predictive value is there in this score besides that? For individuals it seems more useful to just ask payslip info instead of some weird arbitrary number to get the feeling if someone can pay you.
tarranoth
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3 years ago
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on: How Equifax Became a Private IRS
I don't understand the US credit score at all. What's the predictive value of you paying off a mortgage based on you just shopping with a credit card? Sure if you can't pay your normal shopping cart, probably you shouldn't really be getting a mortgage, but the predictive value besides that seems lost on me. Surely a bank could just ask your payslip info and get a more accurate feel whether or not you are creditworthy?
tarranoth
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3 years ago
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on: Riffusion – Stable Diffusion fine-tuned to generate music
There are still chess tournaments for humans, even though our smartphone could play chess better than any grandmaster.
tarranoth
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3 years ago
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on: Who knew the first AI battles would be fought by artists?
The thing is though, it's trained on human text. And most humans are per difinition, very fallible. Unless someone made it so that it can never get trained on subtly wrong code, how will it ever improve? Imho AI can be great for suggestions as for which method to use (visual studio has this, and I think there is an extension for visual studio code for a couple of languages). I think fine grained things like this are very useful, but I think code snippets are just too coarse to actually be helpful.
tarranoth
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3 years ago
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on: Ccache – a fast C/C++ compiler cache
I think you are basically describing why people want modules to be implemented.
tarranoth
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3 years ago
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on: Criticizing Computers
COM as far as I used it was always this incredibly opaque thing that no one understood. The only good thing is that you could generate C# code in visual studio for it, but the generated stuff is barely understandable and versioning with COM is another big issue.
tarranoth
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3 years ago
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on: Python 3.11.0 final
What about yaml? Most people use it for configuration, but few would write out a yaml file as output instead of a json file even though they could.
tarranoth
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3 years ago
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on: 81% of IT teams directed to reduce or halt cloud spending
It sort of reminds me of a video I watched some time ago where some guy explains how he was cutting costs, by instead of having a high memory server they used one with nvme SSD and cut on memory usage a bit (I believe they used it to host some redis instance). Was like 1700 dollar difference per month, although I couldn't help but think if the time spent on the project was actually worth the manhours paid to the guy for cutting those costs.
tarranoth
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3 years ago
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on: Our domain and 700 non-profit sites got blocked by Meta
Did you consider the fact that your domain name itself could have been the cause by itself? It is not extremely far fetched that stamhoofd could somehow find its way in being found offensive by some automated tool (or a person who takes these things very seriously). It would explain the TOS violation too, if it considered the word to be problematic.
tarranoth
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3 years ago
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on: Our domain and 700 non-profit sites got blocked by Meta
I think it is simply the domain name itself, not anything they did. The domain name he uses (stamhoofd) translates to "head of the tribe/tribal leader". I can imagine that such a word can easily have bad connotations and nobody wants their brand to support any site with a potentially offensive name that can turn into a PR nightmare. Likely it got flagged for this reason.
tarranoth
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3 years ago
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on: Our domain and 700 non-profit sites got blocked by Meta
I have a suspicion that your domain name (stamhoofd = head of the tribe, tribal leader translated from dutch) is likely getting flagged due to some natural language processing thing flagging it as offensive language. I would not be surprised that it is indeed a fully automated process deciding that your site's domain name is potentially harmful for their "brand" to support.
