yes

Lag

There was this one study that found that people have significantly fewer close friends than 30 years ago, and for men, the change was larger. I would call that a loneliness epidemic.

AFAIK, this is the Google translate model that you can deploy locally https://huggingface.co/google/mt5-large

EDIT: seems like Whisper might be your best bet, it does speech-to-text + translation via a CLI that can be installed with pip: https://github.com/openai/whisper

Huggingface has loads of models for local speech to text and translation, see https://huggingface.co/docs/transformers/model_doc/speech_to_text

There is probably a nicer UI to use them than python coding, but I don’t know one.

last.fm has one for music. But I actually prefer talking to people and getting actual recommendations

why choose when you can be both

Lemmy UI shows this as 196@lbz in the feed which is amazing UX xd

I don’t think you quite understand what I mean. You can’t extrapolate from the last 3 years. What you can extrapolate from is longer periods of time, where we occasionally see assets going generally down for some time. So you have maybe 90% chance of your stock portfolio going up in the next 5 or 10 years, and 10% chance of it going down (rough numbers but the point holds).

So you can end up in a situation where you lose money, but it’s unlikely. If you are very risk averse, you would prefer a 0% increase over these odds.

All kinds of low risk things go down occasionally. Think of the 2008 financial crash for example. On average, or over a long time, you are very likely to make gains. But that’s not nevessarily true for shorter periods like 10 years even if you invest in low risk assets.

Edit: I also invested some of my student loans in Finland. Or officially, my other income that was freed up due to the loan ¯_(ツ)_/¯

Good luck not hiring a scammer…

Wouldn’t you pay a lot more taxes on the lump sum and subsequent capital gains?

it’s generally best to take the lump sum

Why? I would assume it’s the other way round.

this is such an unapologetic 2008 meme that I ain’t even mad

swear edging

What’s the point of using 2FA on non-crucial accounts anyway? If somebody wants to hack my lemmy account or something, I don’t really care at the end of the day.

Well digital art did not, but photography surely did. And eventually it was for the better for everybody.

yeah that’s why we need to make it open

Sure, keep wasting your time buddy

Well, have you considered that I don’t need to write stupid long overly polite emails myself anymore?