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Comment Re: Well you see, the difference here (Score 1) 28

It's actually very possible as a price. The most logical way to build a chatbot on a budget is to start with one of the open source training models, then add your own training building on top of it. There are some problems with this approach, but it also is an approach that works, and will get you there at a lower price.

Comment Re: Credit scores are not what you think they are (Score 1) 90

"Simply paying off 1-2 credit cards in full every month while keeping your utilization low for ~5 years will get you into the high 700s, which is all you need for any practical purpose."

I did literally all of that and I'm in the low 700s where I don't qualify for first time home buyers assistance, so no and no. Your faith in the system working as advertised is just sad.

Comment Re:Credit scores are not what you think they are (Score 3, Informative) 90

Basing a person's credit score on credit usage rather than payment history is part of the system's bullshit.

Sort of, but lenders aren't looking for people who have good financial sense.

Lenders are looking for people who will borrow a lot of money, then continue paying on that loan. Which is not the same thing as having financial sense.

Comment Re:Credit scores are not what you think they are (Score 0, Troll) 90

The components of a credit score aren't some state secret.

No, they're a lie.

FICO publishes a helpful infographic.

The infographic is propaganda, and answers zero questions about how the factors which make up each group are actually calculated.

If you've truly kept your utilization low and paid all bills on time, you should double check there hasn't been some identity theft.

I have been watching Experian. There hasn't been anything unrelated to me appearing on my credit report, but my score has gone down as I have behaved faithfully and paid off my debts on schedule. Anyone who believes what FICO claims about scoring is a fool, and anyone who then goes on to repeat their propaganda for them is also a tool — and not the sharpest one in the shed.

Comment Re:Not really a rival (Score 1) 42

their AI chips aren't as good at running LLMs as Nvidia's CUDA cards.

Quite, but AMD is *miles* closer than Intel was to being a realistic threat on this front.

This is very true, and perhaps continuing to close the gap is their strategy for defeating CUDA, since they sure aren't putting enough effort in to do it with ROCm. I'd love to see it, I just don't expect it to work. Happy to be proven wrong, though.

Comment Re:Credit scores are not what you think they are (Score 0) 90

ok whats your score, are you living as your true self with a score in the 600s

My score was 790 a year ago. I faithfully have made my student loan payments, paid off a dental loan, and increased my available credit, and my score is now about 720. Credit scores are a scam and basing anything but applications for credit on them should be a felony.

Comment Re: Everyone start handing out DVDs and USBs of L (Score 1) 134

It's even easier to run *old* windows games on *old* windows...

That's true, but you also can't run old Windows on new hardware, and getting graphics performance out of Windows running in a VM is only even vaguely possible with vmware. Virtualbox's video drivers for Windows are shit, and QEMU/KVM's are even worse. Hyper-V's aren't great either. So you have to keep an old machine around for old windows if you want to run old windows games on windows.

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