partial_accumen
@partial_accumen@lemmy.world
- Comment on Do you think Google execs keep a secret un-enshittified version of their search engine and LLM? 1 week ago:
Its also possible we’ve reached the limits of the training data.
This is my thinking too. I don’t know how to solve the problem either because datasets created after about 2022 likely are polluted with LLM results baked in. With even a 95% precision that means 5% hallucination baked into the dataset. I can’t imagine enough grounding is possible to mitigate that. As the years go forward the problem only gets worse because more LLM results will be fed back in as training data.
- Comment on Days after Christmas are confusing 1 week ago:
We have 4lbs of honey baked ham to go through. I’m eating a lot of ham.
- Comment on Anon tries to understand credit scores 1 week ago:
In mainland China, probably not tolerated outside of like the context of museums. Idk about the laws, but at the minimum, cops will probably visit you and “have a chat”
Gotcha, that’s closer to what I had thought.
I’m Chinese-Amercian, I was born in Guangzhou, but I’m no longer PRC National anymore so I don’t give a shit what mainland nationalists think. I think ROC flag is fine overseas…
Oh certainly! It was not rare when I visited Flushing.
- Comment on Anon tries to understand credit scores 1 week ago:
是吗? I wouldn’t have guessed that. I didn’t think ROC flag was tolerated well 在 大陆. I still have a lot to learn about the culture.
- Comment on Anon tries to understand credit scores 1 week ago:
There was some conservative user a while ago on lemmy that thought I was a “Chinese Bot”/“Scammer”
Clearly they were an idiot too because if they knew anything about China, they should have seen the Taiwanese flag and known were you not from or supportive of the PRC. Seriously, people need to pick up a history book now and then. There’s a good chunk of American history mixed in there too with how Taiwan came to be (or stay being a nation).
- Comment on Anon tries to understand credit scores 1 week ago:
One arguably unjust part about credit scores is that the actions of people related to you, or simply sharing the same surname as you, can affect it! E.G i have heard that a friend-of-a-friend’s dad took out too many loans and now their credit score suffers.
You’re mixing things here that led you to a wrong conclusion.
Credit scores are based upon credit events. The credit events come from your credit report which is separate from your credit score. The only things on your credit report should be your credit events. Not someone with the same name, nor someone from your family. If either of those things are on your credit report, that is and error you need to go through the paperwork process to get those removed from your credit report.
- Comment on Anon tries to understand credit scores 1 week ago:
Having said that, it’s hard not to feel that these rules have been semi purposefully left vague so that people take the wrong actions that will cost them extra money
This sounds like perhaps you believe this is an intentionally convoluted process designed to trap people. Like it is a set of financial gymnastics that borrowers must learn and perform before getting a loan.
I don’t think thats the case or the origin. I think its much more likely that, prior to FICO scores, lenders went looking at people that successfully pay on debt and then started analyzing those borrowers choices. They found those that were successfully followed a set of behaviors, and then Fair Isaac (the company behind FICO) created a FICO score (there are actually a whole bunch of different FICO scores) baking in those behaviors.
I will admit that companies that have no business using credit scores are now using them for various other aspects of life, but that wasn’t the intent for FICO scores to begin with from the outset.
To add on-top of that, I feel like this system, and most systems around this, are all setup to work great for the rich and the “providers” and just plain less good for us. It’s almost like a casino in that the house always wins
The truly rich likely don’t have to deal with FICO scores as the lending products they’re using are asset based anyway. I will say that this system is NOT designed to help borrowers. Its not meant to hurt them, but its certainly to let lenders know who has a better chance of servicing a loan or not.
- Comment on Anon tries to understand credit scores 1 week ago:
No joke, I’ve had a car dealership tell me they can’t sell me the car I want because my credit score was nonexistent (no credit history in 7 years). I was paying in full, in cash, literally in an envelope in my hand.
There are car dealers (especially at the low end of used cars) that don’t make money selling cars. They make money with horrible debt and payment terms trying to trap vulnerable people. The worst of these dealers may end up “selling” the car 2 or 3 times repoing it each time when the buyer can’t pay.
So its first possible that this dealer didn’t want to sell you a car for cash because its against their business model.
Grand total of 8k, all in 100s, super easy to count.
$8k in cash is super sketchy for a single purchase. Its untraceable and that sets off fraud alarm bells. The dealership also may not be set up to deal in large sums of cash like that lacking the security to do so. Lastly there are laws at the state and federal level called KYC (Know your Customer) for some transactions that require the seller to verify the money is legit. With cash, thats nearly impossible.
You might have had more luck showing up with an $8k cashiers check or offering an $8k wire transfer from your bank. Both of these are exempt from lots of regulations (because there’s a paper trail) where cash would not have that luxury.
But no, I didn’t have a “good enough credit score” so I couldn’t buy that car from them, despite having the money to do so. Mental gymnastics on that one.
I’m guessing that was just an excuse to not sell to you because either they’re the sketchy dealer (that likes to sell loans not cars) or they thought you were super sketchy as a buyer.
- Comment on Anon tries to understand credit scores 1 week ago:
Paying your utility bills on time for your whole life will not raise your credit score one point.
FICO Credit scores measure exactly one thing: How good are you at regularly paying on debt over time? Thats it.
Utility bills are generated and cleared every month (assuming you pay). If you got in a financial jam, you could probably lower how much HVAC you use or lower your water usage while times were tight. You can’t do that on installment loans. The full loan payment is due every month. Utility bills are not a great measure of the ability to regularly pay on debt over time, which is what FICO scores measure.
- Comment on Anon tries to understand credit scores 1 week ago:
There are a lot of bad answers or misunderstandings about credit scores in this thread.
FICO Credit scores measure exactly one thing: How good are you at regularly paying on debt over time? Thats it.
There are some other companies that take your FICO score and make their own determinations from it, but those are not the intended purpose of a FICO score.
ANON is also saying “x raises” or “y lowers” but he’s missing one other part. Some of those raises and lowers are temporary meaning for a couple of months only, and those don’t have years long impacts.
Most of the big moving pieces are publicly published right on the FICO website too, so you don’t have to guess:
So lets look at ANONs complaints through the lens of what FICO scores address:
Using credit lowers your score
I’m assuming ANON means “using a portion of an already established credit line.” We can see in the chart that this would increase the red segment of the FICO score. FICO assumes the closer you get to your maximum credit availability, the more you’re being squeezed financially reducing your ability to pay on all of your debts. From a lender’s perspective, if your debts are piling up, then lending you more is a higher risk.
Not using credit lowers your score
If ANON means “using zero credit” then, yes, ANON wouldn’t have a recent history of paying on debt then the Payment History section of the graph would be thin or empty. From a lender’s perspective, if you haven’t paid on any debt in the last 6 months, how do they know you still have the ability to do so if you want credit right now?
Paying back late lowers your score
Absolutely! Its violating the very purpose FICO is made to measure: How good are you at regularly paying on debt over time?
Paying back early lowers your score
This one is a yes or no depending on what scenario ANON is talking about. Paying back a credit card early DOES NOT lower your score. In fact, it would likely RAISE your score. Paying back an installment loan, lets say for a car, early can lower your score, but not because its early, but because the load will disappear. Without a loan to pay on, you will have less recent history of paying on an installment loan for a car, and 6 months from now a lender may not know if you still have the ability to do so, so you score falls.
Even checking your score lowers your score.
ANON checking ANONs score DOES NOT lower your score. ANON allowing a lender to do a hard pull check does lower the score, but only a small amount 10-20 points and this is temporary about a month or two. Further, do several hard pulls at once, they don’t each lower by 10 or 20 points. If you do the pulls close together (within a week or two) it will be only the temporary lowering for a month or two. From a lender’s perspective if you’re reaching out for new lines of credit, it means you’re indicating you’re about to take on more debt which could affect your ability to pay on further new debts.
Taking out loans lowers your score
Temporarily, yes, but over time this can grow your score if its in a different loan type or length.
Paying back loans lowers your score
Yes and no, circumstances depending. If you pay back that one loan type lets say a car loan, and you have have no other installment loans, then you will have no more recent history of paying on any installment loans. However, if you have a mortgage which is another type of installment loan, you’ll take no hit for paying back the car loan as you will continue to have a recent payment history of paying on installment loans. You could take a hit because a nearly paid off loan looks good for the “Amounts owed” component of the score, but you could use a trick like getting a credit card of the same credit line (and not charge anything on it) to avoid that if you really need to.
Not taking out loans lowers your score
Not quite true. Having no recent payment history means a lower score, but it you already have some type of loan or credit you pay on every month, not taking out more loans will not hurt your score.
One final thought I really really want to dispel: YOUR FICO SCORE IS NOT INCREASED BY PAYING INTEREST ON CREDIT CARD DEBT!
Try everything you can to avoid carrying credit card debt into next month. Interest rates are crazy high and it does nothing to help you. If you put a purchase on a credit card, make sure to pay the full statement balance every month. If you do this, you’ll pay zero interest on any credit card purchases.
- Comment on DIY 2 weeks ago:
Everything is “sold separately” these days. The make kit doesn’t even come with the Spear of Longinus?
- Comment on Every Christmas I make sure to include a special message from Santa's little helpers. 2 weeks ago:
Its 2025. Write it in Mandarin for more authenticity. However, in another 10 or 15 years English will be applicable again though.
- Comment on at what point in life it's too late to go back to school? 2 weeks ago:
Sure, it can happen. The anecdote sounds ludicrous to me: gatekeeping someone with that much experience over checking a box like that.
This is surprisingly common in many industries. It was one of the reasons I went back and got a degree as a working adult. It worked and I was able to land jobs that had that requirement which was a springboard into higher earning work. It was so strange the first time it happened. I got a call from a old coworker I hadn’t seen or heard from in about 12 years. He was a boss then looking to hire for a lucrative position. We talked for a bit to catch up, he said I had the skills he wanted then almost as an afterthought he said “Oh, uh, do you have a Bachelors degree?” and I said, for the first time in an employment situation “yes”. His response was “okay, sounds good. Show up on Monday, you’ve got the job”. That was it. Without being able to say “yes” there I would not have gotten that job. In the years since, received that same question and gave the same answer in a number of jobs after than each with increasing salary and benefits.
Also, no one asks when you got the degree. Everyone always assumes you got it after high school as is done traditionally.
- Comment on at what point in life it's too late to go back to school? 2 weeks ago:
I’m currently getting my degree in my 30s to increase my earning potential as well.
I did what you’re doing now at the same age. I can tell you from the other side that it worked out very well for me. It was worth it for both the personal sense of accomplishment as well as the professional success. Keep at it! You’ve got this!
- Comment on at what point in life it's too late to go back to school? 2 weeks ago:
My state has free non-credit tuition at state schools for senior citizens. Part of my retirement plan is going back for more classes in whatever I find interesting.
- Comment on at what point in life it's too late to go back to school? 2 weeks ago:
Going back to school when you’re employed means debt, earning way less or nothing during your bachelor or master, stress, opportunities you’re not aware of because you’re simply not at your workplace anymore
Don’t quit your day job. Do school in your non-work hours. This is how I did it. I stayed professionally employed and I went back at 30 years old. I did school for about 3 years part-time to get a 2-year Associates degree. Because I went with Community College and did only 1 or 2 classes per term, I never had to take on debt.
I used that Associates degree and got a better paying job that also came with a tuition reimbursement program. It paid 75% of books and tuition up to a certain dollar figure per year (IRS limit). Again, because I was going to school part-time in my off-hours, I simply never exceeded that IRS limit to extra the maximum reimbursement. I finished by Bachelors degree before turning 40. Again, I graduated with zero debt because I kept my professional employment and used the tuition reimbursement benefit. With that Bachelors degree I was able to get an even better job which lead to significant pay raises in the years that passed.
So, I disagree with your original premise that going back to school as a working adult has to means unemployment, debt, and loss of income. I’m not going to say what I did was easy, but what I did a little while ago is also still possible today. I have a close friend that is a year older than me that got his Associates around the same time I did using the same “keep your day job, do school partime” method, but he didn’t start his Bachelors when I did. However, he did so later. He graduates, getting his Bachelors, in two months from now!
- Comment on Anyone in tech confirm? 3 weeks ago:
As a long time tech user within about 5 years of retirement, I don’t quite agree with this for a couple of reasons. Tech is fine if its tech that serves me. I’m certainly not going to be doing JIRA updates in retirement, but I’ll absolutely use a web browser, word processor, and probably a coding environment for my own personal projects. Retrocomputing is much more appealing to me too.
Also, I think most folks in IT have no idea how hard farming actually is, both mental and physically. Farming is really hard work, and having to manage some of the same annoying things we deal with in IT such as following complicated regulations, dealing with asinine people in power over you, and delivery dates.
- Comment on Fun Otter Fact 3 weeks ago:
This is a bit of a misnomer. While North American River otters have zero knowledge on field-effect devices, they have a good grasp of junction devices such as transistors. It would not be surprising to anyone that knows otters that they can be bi-polar.
- Comment on what would happen? 5 weeks ago:
The half human-wook child grows up vengeful that their parents were both throwaways by their respective leadership. The child becomes the next emperor and destroys the Federation.
- Comment on Chimes 5 weeks ago:
Do you want to attract wasps? Thats how you attract wasps.
- Comment on 5 weeks ago:
Niche IT project work actually, but lots of overlap with DevOps type skills/situations.
- Comment on 5 weeks ago:
so we can actually see what our friends do all day
Friend: “So you get paid to spend the day periodically typing on your computers, surrounded by lots of large monitors, and several times a day you have video calls with people where you use so much jargon that the conversation is almost entirely divorced from the English language? You just finished an hour long meeting where I overheard every word from both sides of the conversation, and I have no idea what the hell either of you were talking about.”
Me: “yes, that about sums it up”
- Comment on same shit every day, on god 5 weeks ago:
Well, you’d then have another problem. Unlike coal/wood/oil fuel, you can’t turn off radioactive decay.
You’d have megawatts (gigawatts?) of thermal energy boiling off all your water pretty quickly, and likely eventually melting down your steam engine firebox, and it would be that hot for decades!
- Comment on same shit every day, on god 5 weeks ago:
if we stuck a suitably shaped non-critical amount of plutonium in the firebox.
Non-critical? There isn’t much energy released from natural decay compared to criticality. We created things like this to power space probes like the Voyager I and II craft. 4.5kg of this Plutonium created about 2500w of thermal energy the the beginning of its life and the power declines from there.
- Comment on same shit every day, on god 5 weeks ago:
Hydro isn’t. Nor is solar photo voltaic, wind, or tidal, but yeah, nearly everything else is. In a combined-cycle natural gas or diesel plant half of the power generated isn’t steam power, but the other half is.
- Comment on [deleted] 1 month ago:
Hmm, by removing Piet and thus hiding the traditional racist representation of black people, or by whitewashing him?
“because he has to climb through Chimneys to deliver gifts for Sinterklaas”. “Has to”?! Is Piet a slave to Sinterklaas? /s /ragebait
Ending the conflict would end the attention.
I recently learned that Mikey Mouse’s classic look was derived from racist Vaudeville blackface dress:
Disney successfully evolved/hid/whitewashed Mickey away from his racist image roots, and few today would say Mickey is a reference to the racist past.
- Comment on Indiana Professor Removed From Class Over White Supremacy Lesson 1 month ago:
I wonder if a barely slightly different statement would have passed such as: “Not all MAGA are white supremacists, but all white supremacist are MAGA”.
- Comment on Bank Workers, Rejoice! 1 month ago:
Nothing is stopping you from moving to another Lemmy server and blocking .world entirely. You have to find some value here if you haven’t done that already. If you hate it so much why are you still here and posting instead of on another server with other non-Lemmy.world communities?
- Comment on Bank Workers, Rejoice! 1 month ago:
you…realize thats not only where this Lemmy Community is…but also your user account, right?
- Comment on Bank Workers, Rejoice! 1 month ago:
How would that work, even on paper? Not being a dick, just don’t understand. So it’s literally just, “you can never own this property fully?”
Yes. The tradeoff is you have a property that is in your name (with a bank note attached), and if the property increases in value during the time you own it, when you sell, you pocket the difference. If you have a fixed interest rate, it also caps the growth of your payment for housing for the entire time you live there. There’s quite a bit of value in that.
