(Thread IKs:
skooma512)
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Harik posted:counterpoint: it's wrong most of the time and supremely confident in its wrong answer. There is no real reason to be this invested in hating robots. They didn't do anything to you.
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Jun 3, 2023 09:22
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anthropomorphizing equations ftw
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Jun 3, 2023 09:36
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palindrome posted:alright good answer but, why are manhole covers round? the real question is why aren't they triangles?
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Jun 3, 2023 09:37
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there's nothing wrong with acknowledging that llms are just applied statistics, with all the limitations to inference that comes with that.
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Jun 3, 2023 09:38
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The Demilich posted:I go out of my way to not buy poo poo that is in ads cause ads themselves piss me off. you're not rich so it doesn't matter what you (or any of the rest of us posting in cspam) buy our dollars are monopolized by food, energy, rent, healthcare, taxes
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Jun 3, 2023 09:43
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I liked that the lawyer had the forethought to ask chat gpt "are these real cases" but chat gpt responded "yes" and that was good enough for the lawyer
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Jun 3, 2023 09:48
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Antonymous posted:I liked that the lawyer had the forethought to ask chat gpt "are these real cases" but chat gpt responded "yes" and that was good enough for the lawyer Same energy 
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Jun 3, 2023 09:50
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https://twitter.com/ajay_pdx/status/1664732521962287105?t=2LLBzbUWIvjiOZZu27mzmw&s=19
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Jun 3, 2023 10:26
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gradenko_2000 posted:https://twitter.com/ajay_pdx/status/1664732521962287105?t=2LLBzbUWIvjiOZZu27mzmw&s=19 I'm on the board of the local animal shelter, construction is underway on a new building to replace the current crumbling one. The city just pulled a $500k pledge and left us scrambling. I have a feeling their plan (lol there is no plan) is to just eventually outsource this to companies like Pet Smart. So what would the city rather do with their money? They've got 1.5m budgeted for a new shooting range for the police, complete with a snack bar.
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Jun 3, 2023 11:52
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Is that normal? $6000 roi on 8 rental properties? I figured it would be higher, that’s not much at all What’s all the hype about, you’d get that much from an index fund with much less hassle and pay a lower tax rate to boot
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Jun 3, 2023 12:22
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UKJeff posted:Is that normal? $6000 roi on 8 rental properties? I figured it would be higher, that’s not much at all But you don’t get to feel the satisfaction of helping your lessers stay off the streets by your generosity, for only accepting a Small profit
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Jun 3, 2023 12:28
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So as far as Chatgpt 4 goes, how many people have actually used it for complicated code, and what are the results? I know for historical writing, it is laughable garbage, but that is a different requirement.
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Jun 3, 2023 12:36
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I'm thinking it might actually be a mistake to teach LLMs to code...
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Jun 3, 2023 12:41
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Slow News Day posted:I used ChatGPT for work for the first time last week. I was asked to implement a new feature where we get some data from another system and need to replicate their analytics dashboard in our app. At first, given the raw data we are actually able to get from the other system, I thought it wouldn't be possible. So I told the product team as much. They were pretty disappointed. a goon discovers stack overflow
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Jun 3, 2023 12:43
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UKJeff posted:Is that normal? $6000 roi on 8 rental properties? I figured it would be higher, that’s not much at all I have one 41,5m2 apartment, rent is 780€. I have to pay 150€ for maintenance, then some insurance, so I can deduct those. I pay 30% tax from rental income so maybe 620€ x 0,7 =around 430€ net monthly. 5200€ yearly after taxes. Then I have to renovate once in a while, now it required new oven, dishwasher and fridge around 1500-2000€. New vinyl floor is 1000€. Some paint etc… of course I can deduct those in taxes so I get a 30% “discount” that way. But at least in Finland rental properties are not a goldmine. Point is that you don’t have all in one basket. Some apartments, stock, etf’s etc so you won’t lose everything in one go if something happens. Previous tenant lived there for 13 years so he paid over 100 000€ in rent. It’s not a lot, but it’s something. E: if the value of apartment is 200k, and I get 5200€ yearly, it’s a 2,6% yearly profit. You can get way more than 2,6% from many other things. Of course if I sell the apt some day and it’s value has increased, I can make some extra profit. Ihmemies has issued a correction as of 12:50 on Jun 3, 2023 |
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Jun 3, 2023 12:44
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Everyone seems to want to be a landlord, but it seems generally that it would be easier to just dump money into bonds/cds/low risk-high dividend stocks than it would be to actively manage properties. It makes sense to own to avoid having to rent, that is logical, but the investment/income side of it seems pretty ify. In the US specifically, you it is pretty trivial to get around long-term capital gains as well, and honestly, you can make as much as 30-40k a year with barely paying taxes on it. That said, who knows now as well the cost of real estate in the US and usually the high tax loads on a lot of property. To break even, you need to sell your property at X price over this many years, versus compounding dividends/interest on the other side. That said, in the US, there are obviously super hot markets where you could have done it and made plenty of profit, but that era seems to slowly fading. Ardennes has issued a correction as of 12:54 on Jun 3, 2023 |
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Jun 3, 2023 12:50
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It seems like the monthly rent payments triggers something in peoples brains, even if it’s no more than the gains you’d see from investing in securities Like I guess I can see how buying a duplex or three flat and living in one unit while renting the others out makes sense but if I was that rich tech guy I wouldn’t wanna deal w the hassle of tenancy. Even if you’re concerned about diversification, an REIT ought to accomplish the same goal I guess you can leverage your money to a far greater degree with real estate, maybe that’s the advantage.
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Jun 3, 2023 12:55
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Being landlord sucks if you have to pay 4-5% yearly interest from your apartment loan. 5% interest from 200k loan would be 10000€ yearly so 2x more than the tenant pays me after taxes. I guess that’s why everyone wants to raise the rents in USA. Landlords have probably huge interest fee expenses because they didn’t buy the apartments with cash.. (USER WAS PUT ON PROBATION FOR THIS POST)
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Jun 3, 2023 12:56
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UKJeff posted:It seems like the monthly rent payments triggers something in peoples brains, even if it’s no more than the gains you’d see from investing in securities it’s this. trying to explain to my parents that they can just use a different financial tool than directly extracting value from their community flew right over their heads
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Jun 3, 2023 12:59
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people forget about leverage and cheap fixed interest rate mortgages
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Jun 3, 2023 12:59
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Ihmemies posted:I have one 41,5m2 apartment, rent is 780€. I have to pay 150€ for maintenance, then some insurance, so I can deduct those. I pay 30% tax from rental income so maybe 620€ x 0,7 =around 430€ net monthly. 5200€ yearly after taxes. Ok thanks for providing some numbers. $5200 on a $200k apartment (sorry I can’t make sense of your moon currency, I’m a dumb American) is … no offense but that’s not much at all. Better than nothing, especially if for whatever reason you move and can’t sell, but certainly not enough to make me think “oh boy, I wanna save my money up to invest in some real estate” The illusion has been shattered~~~
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Jun 3, 2023 13:02
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Doesn't investing in a REIT outperform landlording if you want to invest in real estate anyway because they can have the advantage of working on a much larger scale than a single person could? I think someone pointed out before you can leverage properties way more with banks than you could get away with getting loans with other things, so that's probably part of it. The other part is we are at the tail end of a massive low-interest real estate bubble and people just like to extrapolate disco Stu style number goes up forever, where in reality we are getting to the point where the rental prices you can actually extract from people aren't even going to cover the mortgages at all. The whole housing market seems insane to me in that people will be willing to tie a half-million dollar loan around there necks, but won't even take half-a-day plugging stuff into a spreadsheet to see how the numbers actually crunch and out and just say gently caress it and go all in on feel and guestimates from their heads.
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Jun 3, 2023 13:12
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UKJeff posted:Ok thanks for providing some numbers. $5200 on a $200k apartment (sorry I can’t make sense of your moon currency, I’m a dumb American) is … no offense but that’s not much at all. Better than nothing, especially if for whatever reason you move and can’t sell, but certainly not enough to make me think “oh boy, I wanna save my money up to invest in some real estate” Well I have to add that in 1997 the apartment was maybe 200 000 FIM when bought new, which is around 33000€? So if I sold the apartment now I would get 170 000€ divided by 26 years = 6540€ extra profit from the increased value ovet 26 years. I have to pay 30-34% tax from the profit so it’s maybe 4500€ net. So the total yearly profit after taxes would be 5200€ rent + 4500€ increased value -> 4,9% if someone bought it for 200 000€. So it’s pretty decent if you sell it at some point. Still I guess you can get even 5% quite easily from somewhere else, and you don’t need to deal with tenants and maintenance.. Edit: with current rates I would not want to be a landlord if I had to borrow money to buy apartments/houses. Ihmemies has issued a correction as of 13:16 on Jun 3, 2023 |
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Jun 3, 2023 13:13
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You still have to pay interest versus your relative rate of return, and that means a load is going to be taken out of your return. Also, that rate of return is only partially compounding. Your rate of return needs to be higher than interest but also higher versus the compounding rates of return on the other side. Also, for some reason, when people talk about property values they usually don't seem to take inflation into account with everything else. Having your property do a 50-100% return over 10 years, isn't actually that impressive if compounding inflation was roughly that amount across that period, you were essentially tying up a bunch of capital to pay interest on a loan that may or may not have make back inflation when you plugged all the other costs into it. Obviously, rent can be a difference-maker, but it really depends on what you are going to pay for in rent. Ardennes has issued a correction as of 13:25 on Jun 3, 2023 |
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Jun 3, 2023 13:14
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the past 14 years (since GFC) have been a bonanza for almost any form of "normie" investing S&P 500 is like up 13% annualized total return for the period people in their 30s-40s who've had the ability to invest are in a good place
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Jun 3, 2023 13:15
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Slow News Day posted:The funniest thing is that the only reason I had the hunch to ask ChatGPT in the first place was because earlier that day I had read a post in this very thread that totally shat on ChatGPT and called it terrible and useless or whatever, and I followed the principle that Goons Are Always Wrong. So thank you, thread. I've seen this so much and it's always funny. If your job is so fake that ChatGPT seamlessly automates it, you realize what the long term implications are right? I do think its legimately cool though that in the meantime some people will be able to do their entire job in 30 minutes a week. Milk it while ya can and spend your free time learning something that can't be automated by a capuchin monkey  shrike82 posted:the past 14 years (since GFC) have been a bonanza for almost any form of "normie" investing "guess the shrike post" remains the best game to play on the forums. I swear you can loving smell it at this point. Is a post tone deaf, implicitly condescending and primarily created to make people feel bad? That's a Shrike original babyyyyy Taima has issued a correction as of 13:24 on Jun 3, 2023 |
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Jun 3, 2023 13:19
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Maybe some countries have it easier, but Finland’s 30-34% capital tax is quite a lot in the end. Bigger corps can avoid paying the full amount somehow I guess. Just need to be a bigger corp. Edit: then after 30-34% wealth/capital tax you pay 24% VAT if you buy something, like a new phone or GPU. So finally you realise the state in Finland takes nearly 50% off from your income, with taxes. Ihmemies has issued a correction as of 13:24 on Jun 3, 2023 |
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Jun 3, 2023 13:20
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Ihmemies posted:Maybe some countries have it easier, but Finland’s 30-34% capital tax is quite a lot in the end. Bigger corps can avoid paying the full amount somehow I guess. Just need to be a bigger corp. sounds like socialism?
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Jun 3, 2023 13:26
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ArmZ posted:sounds like socialism? The Finns do get something out of their taxes at least, but even Nordic countries also have been cutting health services and other spending and more recently Finland joined NATO which most likely means their military budget is going to be rapidly accelerating. It is going to be more livable during the states but they are making sure to slowly squeeze people as well.
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Jun 3, 2023 13:29
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ArmZ posted:sounds like socialism? Yes, that's what we practice in Nordic countries. When you think about it, the tenant has to earn the rent money first. For example if an employer wants to pay 1500€ for employee, employer pays its share from employee's fees, so he gets maybe 1100€ as salary. Then employer pays for example 30% taxes off it and gets 770€ in cash. Then I get that sum as payment from rent. I pay the maintenance fees, and taxes, and get 430€ net. I go buy a new 4060Ti or something, and state gets still around 100€ from that thanks to VAT so in the end the GPU retailer gets to see 330€ from the initial 1500€.
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Jun 3, 2023 13:32
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Gorson posted:I'm on the board of the local animal shelter, construction is underway on a new building to replace the current crumbling one. The city just pulled a $500k pledge and left us scrambling. I have a feeling their plan (lol there is no plan) is to just eventually outsource this to companies like Pet Smart. So what would the city rather do with their money? They've got 1.5m budgeted for a new shooting range for the police, complete with a snack bar. 
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Jun 3, 2023 13:32
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Taima posted:I've seen this so much and it's always funny. If your job is so fake that ChatGPT seamlessly automates it, you realize what the long term implications are right? A smarter person than me would suggest that it's because the dialectic has been stripped from most people's thought processes so they experience even their work in terms of metaphysics, completely unrelated tasks occurring in stasis. Their interest in learning more about it ends when they're qualified enough to do it, and they don't really understand, or care to, how it works. Which is fine. Work is alienating, and there's no point in unravelling all of the connections and contradictions when it just makes someone else money. Better to send emails, tinker with reports, whatever, while on company time. So when you paste a bunch of poo poo into a language model and it makes all of these "incredible" connections, it's because you never try to think about those things all at once. Not because you aren't smart and couldn't learn to, but because it's easier to manage the alienation of a bullshit job sitting in meetings and writing emails when you mentally break those up with getting coffee, or going home at the end of the day. What I mean is, if you get through "Regional Manager meeting, 10:30" by thinking about lunch as an endpoint, you're able to tune out and endure it, and forget about it afterwards. The connections between that and, something you read in a journal, or a discussion at a conference months earlier, aren't on your mind in the way they are with a language library, again not because you can't make the connections, but because why would you? I could be off base, but for most people, thinking about their jobs is understandably something to be avoided.
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Jun 3, 2023 13:34
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It does suck to have that high taxes and have to buy an imported GPU and help pay the American CEO and shareholders at the same time.
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Jun 3, 2023 13:35
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how much does a 4090 cost in finland?
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Jun 3, 2023 13:36
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In the end most of the wealth extraction is done by the state in Finland so it can fund all the social projects and distribute income more evenly, from the top earners to the poor people.
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Jun 3, 2023 13:37
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shrike82 posted:how much does a 4090 cost in finland? Cheapest one is Palit for 1789€ so not too bad: https://hinta.fi/haku?q=4090&l=1&o=4&fc=5&fg=1
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Jun 3, 2023 13:38
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shrike82 posted:how much does a 4090 cost in finland? last time i was in finland i traded a bag of karjalanprakka for 1 its pretty cheap
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Jun 3, 2023 13:39
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https://twitter.com/drewtoothpaste/status/1663582027654873089
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Jun 3, 2023 14:08
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Slow News Day posted:I used ChatGPT for work for the first time last week. I was asked to implement a new feature where we get some data from another system and need to replicate their analytics dashboard in our app. At first, given the raw data we are actually able to get from the other system, I thought it wouldn't be possible. So I told the product team as much. They were pretty disappointed. stfu
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Jun 3, 2023 14:11
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Rectal Death Adept posted:I think it's turning into an Elon Musk/Trump situation where some people have to despise something to the point of absurdity because other people like it and it just comes off like olds refusing to use the Tiktoks because annoying kids like it. drat you're a loving idiot
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Jun 3, 2023 14:12
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