Even if the house prices stayed the same, it would make sense to keep the low interest debt and invest in other assets that have higher yield, like shares.
this again assumes a lot… it assumes that you can make up the money you are donating to lenders with some ficticious higher yield investments. I’d ballpark less that 5% of people would make out on the positive side of this.
Here in EU, in order to take official sick days, i would have visit doctor to get confirmation document. Which means that for simple cases i would rather take unofficial sick days (sometimes provided by employer, like in US) or just leave.
Yeah but getting that confirmation document is low effort. And at least in Belgium the doctor visit would cost just like $25 (from memory, haven't lived there for quite some time).
Why? Disrupting a speaker to the level that prevents them speaking (or prevents listening) is an action that clearly infringes on rights of others and restricts freedom of speech. Regardless of content.
Speak at the same time, but in a slightly different place? If you really care about your speech (and not silencing the speech of others), that is clearly acceptable.
I'm not silencing you. We both have the freedom to speak at the same time, in the same place. Such as a political speaker and opposing protesters. Both have the freedom.
Programming is free if you do not consider price of your time. If you consider it, it is much higher than AI-associated costs. And even with AI-associated costs, it is still much cheaper than most other engineering professions, where physical realization is orders of magnitude more costly.
If you were a young person with plenty of time, the best way you could spend it would be learning to program without AI- whether you have money or not.
LLMs aren't a requirement though.. and if you're learning, you're probably better off without the things. I was pretty down and out after the .com bubble burst and was staying in a house a friend was renovating without internet access for a while... I learned C# from a big fat book and the beta command line compiler... for years, I knew the language and tools better than my peers.
You can't get that level of depth with an LLM... because you generally won't be digging in... for that matter, if you're vibe coding, you're even further removed from the details of how things are being done for better or worse.
LLM providers are interested in maximizing their profits, not minimizing your costs. The eventual goal of the providers, and the reason that they have trillion-dollar valuations, is because the objective is to capture the market and then increase the price to capture the value of any time you may be saving by using them. In other words, if your time savings amounts to $100 per hour by using LLMs, their goal is to eventually charge you $99.99 per hour for the privilege of using them.
> As a non-English speaker I can really relate to this.I think the real mistake was Apple allowing to enter a non-ASCII password in the first place.
As a non-English speaker (Czech, actually), it is clear to me to not use non-ASCII characters in passwords, or generally not use characters that are at different position on default English keyboard and locally used keyboards, i.e. use only ASCII alphanumeric chars except 'Y' and 'Z'.
As keyboard setting is per-user setting, keyboard may be different on login screen than on regular desktop (and once-login password prompts).
Also, most devices nowadays ARE single user. And most (all?) OSes allow you to use alternative keyboards at the user-selection screen.
Also, all orgs recommend special characters in passwords. Czech keyboards default to accented letters on the top row instead of numbers, so why wouldn't your average Czech use those?
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