🎓 Dr. Freemo 🇳🇱 @freemo@social.cleverlibre.org

@EmbraceTheGray@social.privacytools.io While it is true someone with bankruptcy can surpass someone without the idea that your credit utilization was too low was not the main cause.

For the ideal credit score credit utilizations should be 1% - 5%, anything higher will penalize you, about 1% or 2% is ideal. While it is true being exactly at 0% will penalize you the penalty is extremely minor at that percentage. Certainly not enough to make that big of a difference. It must have been some other factor making a bigger difference for you.

But yea I agree it is an unfair system all the same.

**Interesting fact of the day**: While Native Americans never developed the metallurgical knowledge to create steel and iron themselves they did in fact have steel and iron tools long before contact with Europeans.

What happened was drift iron, from asian ship wrecks, due to the current, would often wash ashore along the American north wast. This would take the form of nails or other iron pieces embedded in wood (thus being capable of floating. Native Americans had no idea where this iron was coming from or how it was made, but they did recognize its superior quality as a metal compared to the sorts of metals they typically had access to. As such the Native Americans in the north west would typically harvest this iron and forge it into tools.

To me this is just so extraordinary because they had no contact with outside peoples at this point and had no idea anyone existing out there across the ocean. Yet they kept finding this odd metal they had never seen and must have known it wasnt natural as it was shaped into a nail or a winch or something. So I can only imagine the fantasies they came up with about where it was really coming from, especially considering that it was far stronger and could be made far sharper than any metal they had ever seen. It must have seen magickal to them.

#NativeAmericans #AmericanIndians #Indians #History

@abhimanyuaryan glad I could help.

@r2qo gradient descent, even in its simplest form such as the hill climbing algorithm, would not be too susceptible to floating point error unless the optimal value is represented by an extremely steep and narrow peak (so narrow as to be on the order of size as the error itself), which is rarely the case. There is nothing cummulative about the error when optimizing a single parameter with gradient descent and when you do it across many the errors dont accumulate usually as they can just as likely cancel out. Again the assumption being that the ideal target lies on a curve in the multidimensional space of the given parameters that is not exceptionally steep and narrow.

@abhimanyuaryan depends on what you mean by that.. arch when its first installed is very bare bones, so you wont have any telemetry on a fresh install. After that you can install whatever you want, so whether you install apps that have telemetry or not is up to you at that point.

@EmbraceTheGray@social.privacytools.io yea, but the only way paying off your debt will give you a worse score than bankruptcy is if you have a lot of really recent late payments, like your 6 months delinquent on all your bills or something. But yea its kind of unfair you'd be stuck with going the bankruptcy route.

But no matter how i swing it ill still have a higher score keeping the damn thing than now :)

@dajbelshaw Thats reasonable. Everything I am invested in is either PoS or in the process of migrating to PoS (ethereum is moving to PoS as we speak).

As far as novel new chains that are PoS right now worth investing in, my main focus there is Cardano.

@abhimanyuaryan it is a bit lower level than manjaro (it doesnt have a gui installer) but otherwise very similar (manjaro is a fork of it). So it might be a bit more intimidating and scare you off. But I find the excellent documentation makes up for the added difficulty and then some.

@dajbelshaw yea, near is cool. Havent dug much into it or anything though but I've heard of them at least.

I've been meaning to take a closer look at them to compare them to Holochain (which is an ethereum token).

From a mining perspective i wouldnt be surprised if NEAR is a good call right now as new chains are what you want for mining.

But from an investment standpoint I tend to be relatively resistant to new chains and prefer new tokens for the aforementioned reasons that exchanging tokens are trivial and thus going to see greater adoption. New chains arent just harder to exchange but often they arent even supported by hardware wallets.

@abhimanyuaryan while minjaro is similar to archlinux you may want to consider arch. The reason i say this is arch tends to have more users and thus better and more complete documentation. I personally find that makes all the difference.

@dajbelshaw Would have been a smart move if you had for sure.

Mining rigs you can make money off of too, but really the window for that is long past, that made more sense in the early days when the coins were just getting established (I mined ethereum when it first came out and made a fortune off that at first).

In my mind mining rigs only made sense if you have a primary need for a cluster (which i do as I need a compute cluster for work). Then you just let your compute cluster mine in its idle time to make a little extra cash. Though this doesnt work for BTC only other cryptos as BTC is asic dominated.

@dajbelshaw by the way for some context. I was a day-1 investor in ethereum.. rode it to the top of the boom in 2018, sold, made a fortune. I have patiently watched srypto since then and didnt go back in until just a few months ago right before this second boom... So im not a ride or die crypto guy, I am a (hopefully) smart investor who gets in and out when the market tells me I should. I've been pretty good at predicting crypto so far at least and my predictions arent based on a blind love of crypto but a dispassionate analysis of the market.

Doesnt mean im always going to be right, just pointing out im not a crypto cheerleader who has just been blindly dumping money into it for a decade either.

@szopen im not sure we are even talking about comparable things here.. discord is for voice chatting in my mind, mastodon is for text based social media updates.. similarly one is more about realtime chat the other is more about statuses.

@dajbelshaw hahaha :)

@r2qo machine learning is far too vague a field to ask any questions about generally like that.. You'd have to specifically ask about a class of algorithms, like neural networks or Bayesian networks, if you want to get a coherent answer to that.

@dajbelshaw all the pieces are there now, and adoption to the mainstream has made huge leaps, so its really just all adoption from here on out and the price will soar along with it. We probably have at least a year of adoption leaps and the price going nowhere but up.

@dajbelshaw

the part you got wrong there is "using kraken".. thats off chain. Ethereum tokens can be exchanged on chain, no need to go to a crypto exchange for that.

you literally exchange it right in your wallet, just tell the defi contract what tokens you want to exchange hit a button and they will be exchanged right in your wallet. No kraken or anything technical at all really.

@dajbelshaw Well yes and no... Most of the variety you see isnt its "own currency" so much as being a different token on ethereum, and yes there are a lot of those. But that means they are all on the same blockchain and adhere to the same protocol standard (ERC20). That means you can freely exchange one for the other in the blockchain itself without needing to go through an exchange.

So really thats not so much of a bad thing as you might think. In a certain sense its all the same money but just governed by different smart contracts to server different purposes.

@mur2501 I have a half written text book I started some time ago (though havent continued it in some time)... its on Electronics and circuit analsysis in the frequency domain :)