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Wednesday, January 31, 2024

This North Texas city has asked large trucks to avoid its quaint downtown. They come anyway - Yahoo News

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Glen Rose’s downtown — lined with boutiques, antique shops, bookstores and cafes in early 20th century buildings — sits especially quiet on a sunny Monday afternoon … with the exception of rock haulers that rumble through the city square.

At the intersection of Northeast Barnard and Elm streets, these trucks struggle to avoid crossing the oncoming lane as they squeeze onto the narrow stretch toward to area quarries.

It worries Glen Rose city administrator Troy Hill.

“This is an unsafe situation, “ Hill said. “We believe that this is a matter of public safety, which affects everybody.”

The Glen Rose City Council passed an ordinance Dec. 12 that bans semitrucks from driving through its square. To avoid the square, truck drivers have to take county or farm-to-market roads around the city of 2,800 about 55 miles southwest of Fort Worth.

The ordinance was quickly met with legal threats.

“We are getting push back from area shipping companies, area rock quarries, in regards to the proposed alternative route,” Hill said. “We have had legal action threatened against the city. We obviously don’t want that. We are not anti-business at all. We encourage businesses to locate in our city. But, at the same time, it is our duty and our job to make sure that people here are safe.”

A letter from a law firm representing a Glen Rose quarry said the ordinance was unlawful.

The letter from Barnes & Thornburg of Indianapolis, obtained by the Star-Telegram through a records request, states that TxDOT transportation codes bar Glen Rose from placing signage to reroute truck drivers and that the alternate route must not to be “unreasonably longer than the original route” or confusing to follow.

TxDOT did not respond to a request for comment.

Barnes & Thornburg was retained by the Rogers Group, a Nashville-based construction aggregate company that operates Glen Rose Sand & Gravel.

The law firm and quarry did not respond to requests for comment.

Business concerns

Hill isn’t just looking to enforce the ordinance for the sake of public safety. He also wants to help small businesses in this city known as the “Dinosaur Capital of Texas.”

“When I started meeting downtown businesses, they voiced concerns about it,” Hill said. “They said that they believe that it affects their businesses in a negative way, that it affects the number of people that come to our town square.”

The rumbling trucks have rattled the early 20th century building that houses Front Porch Designs, owner Traci Joyner said.

“The mortar between my rocks is literally falling out. Rocks are falling off the roof, just from the vibrations alone,” said Joyner, who has owned her business for eight years.

Heather Bienko said her family’s building at 200 NE Barnard St. has sustained damage. It was constructed in 1894 and is registered as a Texas historical landmark.

“It’s an old limestone rock building,” Bienko said. “You can see where little pieces of the rock have fallen off the mortar.”

The tenants, a clothing boutique and a winery, have expressed concerns about the trucks affecting their day to day operations, Bienko said.

“They’ve said they can’t open their doors on nice days,” Bienko said. “Their area where they check people out is kind of toward the front of the building and many times they have to pause the transactions and talking to those people while these trucks go by because it’s so loud.”

Bienko is optimistic that a solution can be hashed out

“There’s no way anybody could think from a safety perspective this needs to continue,” Bienko said. “I just don’t think it’s something that can continue long term. There has to be a solution.”

Hill also hopes there is a solution but said the city can’t risk a tragedy in the meantime.

“In the short term, we would like truckers and the quarries to work with us and realize that public safety has to come first, “Hill said.

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Catfishing explained: what is it, how to avoid it and what to do if you are catfished - AS USA

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Catfishing is a deceptive activity where someone creates a fake online persona to establish a relationship with another person, often for fraudulent or deceptive purposes.

The term “catfishing” originated from the 2010 documentary film “Catfish,” in which the filmmaker, Nev Schulman, discovers that he had been engaged in an online relationship with a person who had created a false identity.

This deceptive practice has become prevalent in recent years, with more people getting duped out of their money by this scheme. According to TechReport, around 20,000 people in the US become catfishing victims each year. The website adds that in 2021, people lost more than $500 million to catfish scams.

Catfishing 101

The catfisher’s fictional persona comes with fake photos, personal information, and sometimes an entirely made-up life story. This fabricated profile is used to interact with others on social media, dating websites, or online communities.

Catfishers may use photos stolen from others’ social media profiles, websites, or other online sources to create a more convincing fake identity. This adds an extra layer of deception to the scheme.

Catfishing commonly occurs on platforms where people interact and form connections. The anonymity provided by the internet makes it easier for these scammers to operate without being immediately identified.

READ ALSO: Brainy business via Neuralink implants

Why do people catfish?

Catfishing can involve various motives, such as seeking emotional connection, financial gain, revenge, or simply enjoying the act of deception. In some cases, these con artists may engage in “romance scams” to build fake relationships with the intention of exploiting their targets financially.

Catfishers often engage in emotional manipulation to create a sense of trust and intimacy with their targets. They may share personal stories, express deep emotions, and establish a false connection to gain the trust of the person they are deceiving.

How to avoid catfishing

It’s important to exercise caution when forming online connections, especially with people we have not met in person. Verifying the identity of someone online and being careful about sharing personal information can help prevent falling victim to catfishing schemes. If suspicions arise, conduct due diligence and, if necessary, seek assistance to confirm the authenticity of an online relationship.

Be wary when interacting with individuals who are overly secretive about their identity, such as those who refuse to share photos, provide specific details about their lives, or avoid video calls.

Use reverse image search tools to check whether the photos provided by the person appear elsewhere on the internet. Catfishers often use stolen photos from other people’s social media profiles.

Request a video call to see and hear the person in real-time. A refusal to engage in video calls or constant avoidance may be a red flag.

READ ALSO: 8 ways to save money on essentials n 2024

‘Listen’ for signs of catfishing

Pay attention to inconsistencies in the person’s stories or details. Catfishers may struggle to keep their lies straight, leading to discrepancies in their narratives.

Be cautious if someone declares deep feelings of love or commitment very quickly, especially if you have not met in person. Catfishers may use emotional manipulation to gain trust rapidly.

Avoid sharing sensitive personal information, such as financial details or addresses, with someone you’ve only met online. Catfishers may exploit this information for fraudulent purposes.

Examine the person’s social media profiles, and look for consistent activity, connections, and engagement.

If something feels off or too good to be true, trust your instincts. If you have doubts, take the time to investigate and confirm details before proceeding.

Familiarize yourself with common signs of catfishing and online scams. Stay informed about the latest tactics used by catfishers to deceive individuals.

What to do if you are catfished

If you suspect that you are being catfished, here are some steps you can take to protect yourself and address the situation.

Stop all communication with the person you suspect is catfishing you. Do not share any more personal information or engage in further interactions. Block them on all communication channels. This prevents further contact and minimizes the risk of additional deception.

Collect evidence of the catfishing, including screenshots of conversations, photos, and any other relevant information. This documentation may be useful if you decide to report the incident to authorities.

Report the catfisher to the platform where you first encountered the person. Most social media and dating platforms have reporting mechanisms for fraudulent or deceptive activities.

Review and update the privacy settings on your social media accounts. Check that your personal information is secure and that you are not inadvertently sharing sensitive details. If the catfishing involves criminal activities, such as fraud or harassment, consider reporting it to local law enforcement. Provide them with the evidence you have gathered.

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Avoid This $50 Credit Card Mistake I Made as a Student - The Motley Fool

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As a college student, I made a lot of mistakes. I overdrew from my bank multiple times, which cost me about $35 a pop. I sold investments that later grew 10 times in value (cough Tesla cough). Frankly, I had no clue what I was doing because it was all new, and I was learning.

None of the above made a huge dent in my long-term finances. But I did make one credit card mistake that, had I let it snowball, might have pulled me fairly deep into debt.

In a nutshell, I only made minimum payments on my credit card. I even scheduled automatic payments, so I didn't have to think about it. The combination of the two cost me about $50 before a close friend let me know that I was digging the first nine inches of a shallow grave.

The $50 credit card mistake

Only making a credit card minimum payment is like spotting a weed and only trimming the part above ground. Everything is fine until the following month, when the weed returns with a vengeance, taller and stronger than ever.

That's because credit card users pay interest on balances. Say you have $120 of credit card debt. You pay your monthly minimum payment of $20, leaving you with $100. Your credit card company will charge you the APR of your credit card. If that's 15%, then it will add $15 to your $100 debt. That $115 will be carried over into next month's balance. Over time, it snowballs.

It's good to make minimum payments because they protect your credit score. If you pay your minimum, FICO won't ding you for making late payments. But you'll still accrue debt, assuming there's money left on your monthly credit balance.

My mistake cost me somewhere between $50 and $100 before a classmate told me that paying my credit card minimum would not, in fact, stop me from racking up more and more debt.

How to avoid credit card debt as a student

You can do a few things to avoid debt as a college student. One is to simply pay off 100% of your student credit card balance monthly. That's the most straightforward way to get the benefits of credit card rewards without racking up debt.

Another thing you can do is stick with debit cards. They're not as secure or rewarding as credit cards, generally speaking, but there's no risk of you going into debt. If you can't afford to pay for something, your debit card will typically decline the transaction.

If you must take on a bit of debt but have no way to pay it off right away, you can apply for a 0% intro APR credit card. This might be more difficult for students, who typically have short credit histories. But if you can swing it, you can go months without paying interest on your balance.

However, if you're taking on long-term debt and you think you'll be charged interest on it before you can pay it off, consider taking out a personal loan instead. The rates are typically better than those on credit cards.

Alternatives to student credit cards

As a student, I used the Discover it® Student Cash Back credit card. It was easy to get, the mobile app was convenient, and it paid me for good grades. I swiped it here and there to build credit.

Mostly, though, I swiped debit cards and paid with cash. Doing so helped me track my budget; back then, I didn't use budgeting apps that did the math for me. The downside was my bank charged me overdraft fees. Tallied up, they cost me much more than my credit card did.

These days, many banks have done away with overdraft fees. Some even offer checking accounts for students with student-specific perks. So long as they charge $0 monthly and don't charge overdraft fees, they're worth looking into.

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Avoid This $50 Credit Card Mistake I Made as a Student - The Motley Fool
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Tuesday, January 30, 2024

Catfishing explained: what is it, how to avoid it and what to do if you are catfished - AS USA

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Catfishing is a deceptive activity where someone creates a fake online persona to establish a relationship with another person, often for fraudulent or deceptive purposes.

The term “catfishing” originated from the 2010 documentary film “Catfish,” in which the filmmaker, Nev Schulman, discovers that he had been engaged in an online relationship with a person who had created a false identity.

This deceptive practice has become prevalent in recent years, with more people getting duped out of their money by this scheme. According to TechReport, around 20,000 people in the US become catfishing victims each year. The website adds that in 2021, people lost more than $500 million to catfish scams.

Catfishing 101

The catfisher’s fictional persona comes with fake photos, personal information, and sometimes an entirely made-up life story. This fabricated profile is used to interact with others on social media, dating websites, or online communities.

Catfishers may use photos stolen from others’ social media profiles, websites, or other online sources to create a more convincing fake identity. This adds an extra layer of deception to the scheme.

Catfishing commonly occurs on platforms where people interact and form connections. The anonymity provided by the internet makes it easier for these scammers to operate without being immediately identified.

READ ALSO: Brainy business via Neuralink implants

Why do people catfish?

Catfishing can involve various motives, such as seeking emotional connection, financial gain, revenge, or simply enjoying the act of deception. In some cases, these con artists may engage in “romance scams” to build fake relationships with the intention of exploiting their targets financially.

Catfishers often engage in emotional manipulation to create a sense of trust and intimacy with their targets. They may share personal stories, express deep emotions, and establish a false connection to gain the trust of the person they are deceiving.

How to avoid catfishing

It’s important to exercise caution when forming online connections, especially with people we have not met in person. Verifying the identity of someone online and being careful about sharing personal information can help prevent falling victim to catfishing schemes. If suspicions arise, conduct due diligence and, if necessary, seek assistance to confirm the authenticity of an online relationship.

Be wary when interacting with individuals who are overly secretive about their identity, such as those who refuse to share photos, provide specific details about their lives, or avoid video calls.

Use reverse image search tools to check whether the photos provided by the person appear elsewhere on the internet. Catfishers often use stolen photos from other people’s social media profiles.

Request a video call to see and hear the person in real-time. A refusal to engage in video calls or constant avoidance may be a red flag.

READ ALSO: 8 ways to save money on essentials n 2024

‘Listen’ for signs of catfishing

Pay attention to inconsistencies in the person’s stories or details. Catfishers may struggle to keep their lies straight, leading to discrepancies in their narratives.

Be cautious if someone declares deep feelings of love or commitment very quickly, especially if you have not met in person. Catfishers may use emotional manipulation to gain trust rapidly.

Avoid sharing sensitive personal information, such as financial details or addresses, with someone you’ve only met online. Catfishers may exploit this information for fraudulent purposes.

Examine the person’s social media profiles, and look for consistent activity, connections, and engagement.

If something feels off or too good to be true, trust your instincts. If you have doubts, take the time to investigate and confirm details before proceeding.

Familiarize yourself with common signs of catfishing and online scams. Stay informed about the latest tactics used by catfishers to deceive individuals.

What to do if you are catfished

If you suspect that you are being catfished, here are some steps you can take to protect yourself and address the situation.

Stop all communication with the person you suspect is catfishing you. Do not share any more personal information or engage in further interactions. Block them on all communication channels. This prevents further contact and minimizes the risk of additional deception.

Collect evidence of the catfishing, including screenshots of conversations, photos, and any other relevant information. This documentation may be useful if you decide to report the incident to authorities.

Report the catfisher to the platform where you first encountered the person. Most social media and dating platforms have reporting mechanisms for fraudulent or deceptive activities.

Review and update the privacy settings on your social media accounts. Check that your personal information is secure and that you are not inadvertently sharing sensitive details. If the catfishing involves criminal activities, such as fraud or harassment, consider reporting it to local law enforcement. Provide them with the evidence you have gathered.

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Revenge Spending: How to Avoid This Trap - TipRanks.com - TipRanks

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The idea of revenge spending is an inseparable part of human nature. After going through a difficult time or having a bad experience, it is natural to feel that we deserve to receive some sort of compensation to make up for it. While this is okay to some extent, it can quickly spiral out of control and make it difficult to avoid falling into the trap of revenge spending.

Making sure to understand revenge spending will help you to recognize when you are guilty of committing it. Ultimately, by doing so, you will be able to put measures in place to prevent yourself from falling into this trap, finding yourself in debt and even more unhappy than you were before.

What is Revenge Spending?

Revenge spending is based on the simple premise that we should treat ourselves to a reward after a bad experience. The idea itself makes perfect sense, and actually, there are plenty of reasons to encourage this practice, in part.

Perhaps that big meeting you had been preparing for months did not go well, you did not receive that well-deserved promotion, or your boss just dumped a huge assignment on you. In a similar fashion, maybe you are going through a difficult time socially, or perhaps you experienced a bad break-up.

The notion that you should be nice to yourself–and do things that make you happy–has an enormous amount of merit. You should treat yourself well in order to make yourself feel better about your current state of affairs.

Where things get tricky, however, is when a one-time splurge explodes your budget, or even more worrisome, if it starts to turn into a pattern of behavior. Individuals can quickly find themselves in a destructive habit of spending themselves into debt.

How to Avoid Revenge Spending

Acknowledging the problem, as the saying goes, is generally the first step on the path to recovery.

If your first impulse when the chips are down is to reach for your wallet, chances are that you may have a tendency to fall into the trap of revenge spending. Consumption in and of itself is rarely the answer, and like any addictive behavior, once the buzz wears off, there is often regret and self-loathing.

Knowing yourself and your inclinations is an important part of becoming a financially responsible adult. Asking yourself the reason behind any purchase will help you understand if it is an impulse buy, or whether it is something that you truly desire.

There are a number of techniques or strategies that people can employ to prevent themselves from making unnecessary purchases. Similar to not going to the grocery store when hungry, these mechanisms exist to help you overcome unhealthy urges during moments of weakness.

For instance, depending on the size of the purchase, some individuals will institute a “cooling off” period. For purchases over $100, for example, they may have a rule of waiting at least 24 hours before clicking the “buy” button. You can tailor this to best suit your tendencies and your budget, raising or lowering both the monetary and time thresholds.

However, the best way to prevent impulse buys and practice financial discipline over the long term is by adhering to a budget.

The Importance of Budgeting

Budgets are often viewed as constraints that are designed to prevent you from obtaining objects of desire. For many, budgets have a negative context, serving as a constant reminder of what they are unable to do, purchase, or enjoy.

However, budgets can be thought of as an enabler, helping to guide you towards a better allocation of your funds to achieve your ultimate goals. A budget can help you schedule your finances, helping you clearly understand the trade-offs between present-day consumption and long-term objectives.

For instance, if you want to save up for a dream vacation, a budget can help you build a roadmap for which expenses you will cut back on today in order to create the pot of money needed to purchase those plane tickets next year. The same principle holds true for any savings objective, be it for a down payment on a house, education, or retirement down the road.

The 50-30-20 budgeting rule is a popular framework whereby you will spend 50% of your after-tax income on needs, 30% on wants, and 20% on expenses. The 50-30-20 rule offers a simple and straightforward platform to organize your finances. It also provides room for fun, non-essential purchases, as long as they fit within your budgeting resources.

Conclusion: Setting Strong Financial Habits

There is a reason why retail therapy and comfort foods are well-known terms. We should be able to treat ourselves to the nicer things in life, especially when we are feeling down.

This can be following a personal event or a collective one, such as the COVID-19 pandemic, which forced all of us into a period of inactivity and isolation.

That being said, moderation is the key to making sure that you do not go overboard with any feel-good purchases. Living your life according to a budgetary framework will help you avoid the temptations of revenge spending, allowing you to keep your finances safe and sound even when times get rough.

Learn money management, and use data-driven stock insights with TipRanks.

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Monday, January 29, 2024

Louisiana Travelers - Avoid This Spring Break Destination - 97.3 The Dawg

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Attention Louisiana travelers, spring breakers, and lovers of sun and sand, a very popular destination has been placed on "the bad list" by the United States Department of State. The unfortunate announcement comes as many Louisiana students and their families are planning spring break trips or summertime cruises.

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The travel advisory issued by the United States Department of State was posted this past Friday. It raises the level of concern for U.S. Citizens to a Level 2 designation. The reason for the advisory? Overpriced souvenirs and constant pressure from locals to buy drugs? No, that's totally acceptable. The reason for the advisory is because of a sharp increase in crime, especially in so-called "safe for tourists" destinations.

Crime scene fenced with ribbons

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Not only was the advisory posted because of the sharp increase in crime, but the advisory also noted a "limited ability of law enforcement to respond'. So, in other words, the inmates are running the asylum and for those of you who guessed "Mexico", you're wrong.

Yash Mannepalli via Unsplash

Yash Mannepalli via Unsplash

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Texas and Louisiana Travelers Advised About Travel Plans to the Bahamas

Yes, the problem is in the Bahamas. A place many of us have visited on a cruise ship or extended weekend. The islands offer a lot of what tourists love to travel for. There are abundant beaches, soft white sand, warm sunshine, interesting shopping, lower age drinking laws, and casino gambling.

There is also an increase in crimes such as burglaries, armed robberies, and sexual assaults in some of the more frequently visited areas of the islands. Oh, there has been an increase in murders too USA Today is reporting that in the first 29 days of 2024 there have already been 18 murders in the Bahamas.

QCPTV via YouTube

QCPTV via YouTube

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The "Over the Hill" area in Nassau was mentioned by name. It is a hot spot for American visitors to the islands and therefore, it's a hot spot for criminals who want our American cash. The Department of State stopped short of saying "don't go" but if you do go, follow this advice.

  • Exercise extreme caution in the eastern part of New Providence Island (Nassau)
  • Use caution when walking or driving at night
  • Keep a low profile
  • Be aware of your surroundings
  • Do not physically resist any robbery attempt
  • Review your personal security plans

If you still have time to reevaluate your travel plans for spring break that might be a good idea. I am sure if you reach out to the Bahamas Department of Tourism, they can calm your concerns and offer you even more ways to enjoy their islands safely.

Let's face it, the Bahamas needs our tourist dollars, so something will need to be done by the government of the islands. In the meantime, Holly Beach is looking pretty good for springtime. Just make sure you go before they start issuing the beach advisories for bacteria in the water when the weather gets hot this summer.

8 Secrets Your Cruise Director Won't Tell You

Cruising has its own unique culture. Here are some of the insider secrets that frequent cruisers have compiled through the years.

Gallery Credit: Bruce Mikells

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Avoid This Big Lawn Care Mistake When Laying Sod - House Digest

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The biggest issue with letting your sod overlap with existing grass is that you're making it very difficult for its shallow roots to make contact with the dirt. Rather than taking root with the soil, the roots need to stretch past the layer of grass and find space between the blades to reach the dirt. This isn't likely to happen, and the result is a dying patch of sod. It can't reach the nutrients in the soil, and it can't reach any water. 

If your sod somehow does survive in the overlapped areas, you won't enjoy the end results. Bumps aren't guaranteed to flatten, which will result in raised, grassy lumps. Your lawn will lack a uniform appearance, and these spots will become trickier to mow since they're not level with the ground. It can also become a tripping hazard. To avoid having to remove the sod and restart the process, be careful not to overlap the sod with the grass when placing it.

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Sunday, January 28, 2024

What is Model Collapse and how to avoid it - The Register

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Feature What happens to machine learning models when they feed on themselves, when the data they ingest comes more and more from other generative models rather than human authors?

This is already happening as the output of text models like ChatGPT and Bard, and of text-to-image models like Stable Diffusion, shows up on websites, gets scraped, and becomes fodder for further model training.

Last year, a group of researchers affiliated with universities in the UK and Canada asked this question and the answer they found suggests that data gathering and training practices need to account for this phenomenon.

The researchers – Ilia Shumailov, Zakhar Shumaylov, Yiren Zhao, Yarin Gal, Nicolas Papernot, and Ross Anderson – found that models fed on their own output stop working well, particularly in the model's tail – low-probability events for which there's not a lot of data. They call this phenomenon "Model Collapse," which they describe in their paper, "The Curse of Recursion: Training on Generated Data Makes Models Forget."

"Model Collapse is a degenerative process affecting generations of learned generative models, where generated data end up polluting the training set of the next generation of models; being trained on polluted data, they then misperceive reality," they explain.

Ilia Shumailov, lead author of the paper and a junior fellow at the University of Oxford at the time this research was done, spoke with The Register about the research findings.

The Register:

Is the phenomenon of audio feedback – where a mic captures and recaptures its own sound output from a loudspeaker – an appropriate analogy to understand Model Collapse?

Shumailov:

A deep answer is "It depends." A more high level answer is, "Yeah, kinda."

If you ask me as a technology person, I would probably say no, because most of our distortions are the same. And thus, by basically replaying it, you're probably going to have a constant amount of distortion. And it's probably not even going to be noticeable.

Whereas the feedback loops in ML [machine learning] are a lot more intricate, in that there are a lot of biases that are inhaled from either learning procedures, or for example, from the architectures we end up using, because there is no science behind what architectures are better. And those biases, they don't just replace one another.

In many ways, they're biased in the same direction. And if you take something that is already biased, and you put additional bias, they end up amplifying the biases and, at some point, basically overtaking the signal overall.

Hallucinations are generalizations over areas. And so it happens that those generalizations are wildly inappropriate for the world we live in

You know, when people talk about hallucinations in LLMs and say this is a problem? This is not really a problem because hallucinations are generalizations over areas. And so it happens that those generalizations are wildly inappropriate for the world we live in.

But if you think about this, in many cases, those hallucinations could have happened, right? And this is just a given model that has imagined the world from all the data observed where those effects are true. If I say something like, "Oh, Trump went to the moon." Then you can imagine the world in which Trump went to the moon.

But then if you write this down, and you write essays about it, and some ML model takes this data, and it's like, "I was also thinking in presence of all the other data that you know, he's pals with Elon Musk, and together they go to the moon." And then it starts rambling on, creating new hypotheticals that don't exist in the real world.

So what our paper talks about is that, as of right now, if you take all the content that humans have produced, overall, all this content together, it forms this underlying distribution of things that humans are capable of producing.

Now, if you then take all of this and you train a model on top of this – all of this distribution of data that exists out there that humans have produced and thus, they are valid human-produced things, including facts as themselves – and then you ask a model to model the whole thing and start generating data – which is statistically indistinguishable from this distribution of data – the model inherently is going to make mistakes.

And it always will make mistakes. It's infeasible to assume that in some hypothetical future, we'll build perfect models. It's impossible. And we can bring a lot of philosophical arguments why it's impossible. That means any data that it will produce, with a relatively high probability, it's going to have a lot of errors.

But more nuanced, it's also going to have a lot of biases, in places where we don't even think about biases. And those biases are then getting inhaled by other third party models that in turn observe those biases. And their perception of the underlying distribution – this thing that all humans have produced – kind of gets shifted.

The biases end up counteracting each other and amplifying each other. And overall, by [the nth generation of the model], you observe that suddenly the perception of the real world, of this distribution of all human data that the model has, has nothing to do with reality whatsoever.

The Register:

Have you observed this with models in the wild?

Shumailov:

Since we released the paper, there have been a couple of other papers noting that's exactly what they observed. As a matter of fact, this is now a very active field of basically training regimes in which you end up inhaling synthetic data and you want to account for distortions that get introduced.

You'll find plenty of those papers. Every single paper that comes out nowadays that claims that they can do this self supervisory loop, they are assuming that they're capable of filtering this data or they have an external guide or a reward function that basically allows them to say, "Okay, this looks like bias with a certain amount of probability. So I should probably not include this into my training." So it does happen.

The only problem with that is as an outsider and as a consumer, you're very unlikely to ever encounter this on a day-to-day basis, because even if you assume that there exists a [model] generation x, which was good, and then x plus one is suddenly experiencing some sort of collapsing behavior for some sort of fairness metric – it becomes more racist because it observed more racist data – then more likely than not, people who run massive evaluation suites or behaviors of those models are going to actually notice this. And they will basically make sure that a model like this is never gonna see the real world.

Or they also run additional training with the data they have to accommodate the sorts of distortions that have been introduced.

So as a consumer, I'm pretty sure we will probably not see such effects. It's more likely that it's just ever changing business models because people can decide what they want these models to do, and what the consumer is expected to pay, rather than them just not capturing degradation of their models. But generally speaking, 100 percent this happens.

The Register:

How serious do you consider Model Collapse to be in light of the other issues facing the machine learning community?

Shumailov:

I think it's not going to be that much of a problem for rich companies. It's going to be a big problem for poor companies. Take an arbitrarily big company. They have enough cash to get people to label more data. And we know for a fact that this happens already. They pay – the amount of human evaluations big companies do and the amount of annotations that they harvest for, in very specific domains, is massive.

And the only thing that it will mean is that perhaps tomorrow data for smaller companies is going to cost more than for bigger companies.

The Register:

In your paper, you suggest that community coordination on data provenance is one approach for dealing with Model Collapse. Has there been any support for that idea?

Shumailov:

The answer is yes or no. If you look at The White House commitments, I'd say the answer is yes. They are betting quite a lot on provenance. How well this will work is a very good question. Because for many of the problems we talk about, the solutions are either not bulletproof – they work on some of the time – or we are not really modeling the phenomenon we're talking about precisely enough.

Imagine you're capable of actually telling that a given piece of content has been artificially produced and thus you would not involve it in training – using whatever method, right? So what happens tomorrow when humans start repeating after ML models, which is totally normal?

We observe a piece of text and we repeat it like parrots, especially if it's nicely written and those models are very good. So then I'm not sure at what point this idea that something is artificial is even going to mean anything.

Imagine the world of tomorrow where everyone has a personalized news assistant ... presumably the quality of such content is going to be much better than writing something for the general audience

Or imagine the world of tomorrow where everyone has a personalized news assistant or [some company like] The New York Times or whatever writes a set of facts. And then those facts are actually presented to you in a personalized way where a model literally knows what you're thinking about. It knows all the things you know about so it connects to personal stuff. And then presumably the quality of such content is going to be much better than writing something for the general audience.

The sort of attention that an individual is going to express to this piece of news was going to be better. So in this regard, I would probably argue that artificial content is probably going to be richer than human content.

So there are a lot of questions like this, but fundamentally on a more technical mathematical level, we already know for a fact that Model Collapse will happen. And what happens tomorrow [to the vast sea of human-generated content once machines have a say]? It's a good question. What's going to happen once a machine learning model starts basically dictating what appears in this vast sea. Sometimes [these models] are definitely going to be amplifying biases. … The world is going to change. But to what extent technical solutions will be used to solve other technical problems is unclear.

The Register:

Have you heard of any contrary examples, where synthetic data makes models better? I was speaking with Simon Willison, who said that he'd be interested to sort of hear more about your paper when I mentioned it. He said he'd heard the opposite, that some people who are working with LLaMA and feeding in LLaMA-generated content had been getting good results.

Shumailov:

There are cases where people have reported that they observe improvement in performance. And it's quite clear that this is going to happen. There exist cases where this self-improvement loop works, and I can give you plenty of examples of this. Imagine you have a model that is capable of doing a summation and the minus operation. It's totally plausible that you can ask this model to sum something n times and call this operation multiplication and the model suddenly realizes that it is capable of multiplication. So in this case, it suddenly realizes that it's capable of producing a lot more than originally it was ever taught.

Model Collapse is not talking about this. Model Collapse is talking about more fundamentally shifts in the underlying distribution related to biases from algorithms, architectures, and sampling.

The Register:

What steps should the machine learning community take to address your findings?

Shumailov:

I think that there is really only one immediate thing we should talk about and that is understanding what we care about inside of our models.

That's because the first shifts that we see are shifts in [sparsely represented] data. So basically things that are badly represented in data and are badly understood by the models, they experience most of the immediate degradation in performance.

Basically, we need very good evaluation metrics for ML models. We need to be able to model those low probability events very well if we want to make sure that our models work for minority groups – where minority groups are defined as data that does not appear very often inside of the underlying data set. ®

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Saturday, January 27, 2024

Penalty APR: What it is and how to avoid it - The Points Guy

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Credit card interest is calculated based on the annual percentage rate and is something you want to avoid paying. Apart from hurting your wallet, interest charges can chip away at any rewards you've earned, whether it be cash back, points or travel miles. And with credit card interest rates at record highs, the costs can quickly add up if you carry a balance month-to-month.

Even worse, if you violate your credit card issuer's terms, you may be subject to a penalty APR. This article explains what a penalty APR is, how it works, and how to avoid it.

What is a penalty APR?

A penalty APR is a higher APR that's applied to your credit card balance if you violate the terms of your credit card agreement. These violations can include failing to make a payment, exceeding your credit limit or a returned payment due to insufficient funds. The penalty APR replaces your current APR and is usually much higher than your regular interest rate.

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For example, Chase assesses a penalty APR when a cardmember is more than 60 days late in making a payment. So, if you're a Chase Sapphire Reserve cardmember and fail to pay, you could be charged a penalty APR of up to 29.99% on your outstanding balance. Note that penalty APRs vary by issuer, so it's a good idea to check your credit card's rates and fees disclosure.

Related: Best zero-interest credit cards

How does a penalty APR work?

A penalty APR replaces your regular APR. While lower APRs are often the result of having a good credit history, penalty APRs are not influenced by your credit score. A penalty APR can also stay on your account for up to six months. This is due to a federal law that requires credit card companies to review accounts after six consecutive on-time monthly payments have been made.

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To restore your regular APR, it's critical that you address the reason behind the penalty APR. If applicable, getting your balance back within the credit limit and ensuring all future payments are made on time will help.

If you fail to address the underlying issues, the penalty APR will remain on your account. In the case of the Chase Sapphire Reserve, its rates and fees disclosure states that a penalty APR can continue indefinitely if a cardmember's account remains in poor standing.

Related: What is an APR?

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What to do if you're charged a penalty APR

Seeing a penalty APR on your account can be worrisome, especially if you've missed a payment due to financial duress. Here are some steps to take if your account has been slapped with a penalty APR.

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  • Call the issuer: Contact the credit card company and explain your reason for the late payment or other factors leading to the penalty APR. It's possible the penalty APR could be reduced; at the very least, it doesn't hurt to try.
  • Avoid using your credit card: Try not to use your credit card to keep the balance down and avoid additional interest accruing at the penalty APR rate.
  • Read the credit card agreement: Make sure you understand why the penalty APR was applied and what you can do to get it removed as soon as possible.

How to avoid a penalty APR

The best way to avoid a penalty APR is to keep your credit card account in good standing. This includes making all of your payments on time and staying within the credit limit.

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Beyond that, we recommend that you stay organized with your finances. If you find yourself juggling multiple credit card payments, set up autopay so at least your minimum payment is made on time. If automatic payments aren't an option, set reminders or alerts on your phone or calendar.

If you are using autopay, make sure that your connected checking account always has sufficient funds in order to avoid a returned payment.

Related: Using credit cards responsibly

Bottom line

A penalty APR will be applied if you violate various terms of your credit card agreement, such as missed payments or exceeding the credit card limit. You should always take a penalty APR seriously, as the rate is applied to both the outstanding balance and any new charges.

While many card issuers will review your account after six months of good financial behavior, if bad financial behavior continues, the penalty can last indefinitely. It's always a good idea to pay the minimum payment on time to avoid penalty APRs that can cause further financial headaches.

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Friday, January 26, 2024

Four Dollar Tree must-buys and four to avoid – it’s a ‘zero out of 10’ better to ‘shop local’... - The US Sun

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A SAVINGS expert has found what they say are the best and worst deals going on at Dollar Tree.

They recently took to social media to advise customers on at least four items to pick up fast and four others to keep off their grocery list.

A Dollar Tree pro has praised at least four essentials shoppers need to buy in January

4

A Dollar Tree pro has praised at least four essentials shoppers need to buy in JanuaryCredit: Getty
Incense and other products were deemed avoidable by the influencer

4

Incense and other products were deemed avoidable by the influencerCredit: TikTok/peachyymaddi

Posted by deals influencer Maddi (@peachyymaddi), who often advises shoppers through a "buy this, not that" format, the TikTok clip took viewers through Dollar Tree fast.

Maddi went back and forth through the 38-second video to approve and disapprove products.

To help clarify what was deemed the best and the worst, The U.S. Sun has condensed Maddi's findings.

Here's what she found.

Read More on Dollar Tree

AVOID

Incense

Starting with a strong avoid recommendation for Dollar Tree shoppers, Maddi stressed that the retailer's incense options were not nearly as good for the price as local stores or through creators on Etsy.

She even gave them a rating of "zero out of 10."

"So, I'm just gonna say it, Dollar Tree incense is a zero out of 10," Maddi told shoppers.

"Once you shop local or Etsy, you'll see the difference."

Most read in Money

Book Bags

Next, Maddi warned that Dollar Tree's book bags looked as though they had dangerously thin material to carry things inside.

"Now these book bags look extremely flimsy," she said while scanning the different colored backpacks.

"So thin, why?" the deals expert questioned.

Yarn Ball Cat Toy

Quickly moving on, Maddi went to Dollar Tree's pet toy section.

She showed viewers a small yarn ball advertised for cats.

Despite it being relatively common knowledge that cats like yarn, Maddi claimed she wasn't sure she could see her cats "tearing that up."

Dry Brush

Maddi also recommended against Dollar Tree's dry brush in the self-care section.

She argued that dry brushes, in general, often hold bacteria in for a long time.

"We don't use these anymore because of bacteria, right?" the influencer asked.

Fortunately, there were at least four other approved products that Maddi recommended for Dollar Tree shoppers looking to catch some great deals in January.

MUST-BUYS

Crinkle Cat Toy

Although she wasn't a fan of the yarn ball, a crinkling cat toy with a tinfoil-like texture next to them was praised by Maddi.

"The crinkle ones are perfect though," she noted.

With a price point of about $1, it's likely it wouldn't be too bad if a shopper's cat tore it up quickly.

Slow Feeder

Sticking with pet items, Maddi also hailed a slow pet feeder for cats.

A small light blue bowl could be seen with grooves in the middle to mitigate how much food the cat can eat in one sitting.

"I found this slow feeder bowl, which is amazing," she expressed.

Scrub Free

Maddi's most recommended find was the Scrub Free Heavy Duty Oven Cleaner.

She claimed the product essentially made her oven look brand new and advised customers to head to Dollar Tree immediately to take advantage.

"Shoutout to this Scrub Free!" the influencer said.

"This took my oven from disgusting to spotless."

Seeds

Last but certainly not least, Maddi suggested shoppers look out for Dollar Tree's seeds section.

The retailer appeared to have several different wildflower blends.

"Lastly, I want to shoutout the fact that Dollar Tree has a bunch of seeds," Maddi noted.

"One of the most empowering things you can do for yourself is grow your own food."

Read More on The US Sun

For more related content, check out The U.S. Sun's coverage of the dinner-for-two shoppers can get for only $20 at Dollar Tree ahead of Valentine's Day.

The U.S. Sun also has the story on the Dollar Tree dupes selling for a fraction of typical prices at other major retailers.

Maddi questioned whether or not dry brushes hold bacteria for too long

4

Maddi questioned whether or not dry brushes hold bacteria for too longCredit: TikTok/peachyymaddi
She also praised the Scrub Free cleaner

4

She also praised the Scrub Free cleanerCredit: TikTok/peachyymaddi

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AI Software Week What happens to machine learning models when they feed on themselves, when the data they ingest comes more and more from other generative models rather than human authors?

This is already happening as the output of text models like ChatGPT and Bard, and of text-to-image models like Stable Diffusion, shows up on websites, gets scraped, and becomes fodder for further model training.

Last year, a group of researchers affiliated with universities in the UK and Canada asked this question and the answer they found suggests that data gathering and training practices need to account for this phenomenon.

The researchers – Ilia Shumailov, Zakhar Shumaylov, Yiren Zhao, Yarin Gal, Nicolas Papernot, and Ross Anderson – found that models fed on their own output stop working well, particularly in the model's tail – low-probability events for which there's not a lot of data. They call this phenomenon "Model Collapse," which they describe in their paper, "The Curse of Recursion: Training on Generated Data Makes Models Forget."

"Model Collapse is a degenerative process affecting generations of learned generative models, where generated data end up polluting the training set of the next generation of models; being trained on polluted data, they then misperceive reality," they explain.

Ilia Shumailov, lead author of the paper and a junior fellow at the University of Oxford at the time this research was done, spoke with The Register about the research findings.

The Register:

Is the phenomenon of audio feedback – where a mic captures and recaptures its own sound output from a loudspeaker – an appropriate analogy to understand Model Collapse?

Shumailov:

A deep answer is "It depends." A more high level answer is, "Yeah, kinda."

If you ask me as a technology person, I would probably say no, because most of our distortions are the same. And thus, by basically replaying it, you're probably going to have a constant amount of distortion. And it's probably not even going to be noticeable.

Whereas the feedback loops in ML [machine learning] are a lot more intricate, in that there are a lot of biases that are inhaled from either learning procedures, or for example, from the architectures we end up using, because there is no science behind what architectures are better. And those biases, they don't just replace one another.

In many ways, they're biased in the same direction. And if you take something that is already biased, and you put additional bias, they end up amplifying the biases and, at some point, basically overtaking the signal overall.

You know, when people talk about hallucinations in LLMs and say this is a problem? This is not really a problem because hallucinations are generalizations over areas. And so it happens that those generalizations are wildly inappropriate for the world we live in.

But if you think about this, in many cases, those hallucinations could have happened, right? And this is just a given model that has imagined the world from all the data observed where those effects are true. If I say something like, "Oh, Trump went to the moon." Then you can imagine the world in which Trump went to the moon.

But then if you write this down, and you write essays about it, and some ML model takes this data, and it's like, "I was also thinking in presence of all the other data that you know, he's pals with Elon Musk, and together they go to the moon." And then it starts rambling on, creating new hypotheticals that don't exist in the real world.

So what our paper talks about is that, as of right now, if you take all the contents that humans have produced, overall, all this content together, it forms this underlying distribution of things that humans are capable of producing.

Now, if you then take all of this and you train a model on top of this – all of this distribution of data that exists out there that humans have produced and thus, they are valid human-produced things, including facts as themselves – and then you ask a model to model the whole thing and start generating data – which is statistically indistinguishable from this distribution of data – the model inherently is going to make mistakes.

And it always will make mistakes. It's infeasible to assume that in some hypothetical future, we'll build perfect models. It's impossible. And we can bring a lot of philosophical arguments why it's impossible. That means any data that it will produce, with a relatively high probability, it's going to have a lot of errors.

But more nuanced, it's also going to have a lot of biases, in places where we don't even think about biases. And those biases are then getting inhaled by other third party models that in turn observe those biases. And their perception of the underlying distribution – this thing that all humans have produced – kind of gets shifted.

The biases end up counteracting each other and amplifying each other. And overall, by [the nth generation of the model], you observe that suddenly the perception of the real world, of this distribution of all human data that the model has, has nothing to do with reality whatsoever.

The Register:

Have you observed this with models in the wild?

Shumailov:

Since we released the paper, there have been a couple of other papers noting that's exactly what they observed. As a matter of fact, this is now a very active field of basically training regimes in which you end up inhaling synthetic data and you want to account for distortions that get introduced.

You'll find plenty of those papers. Every single paper that comes out nowadays that claims that they can do this self supervisory loop, they are assuming that they're capable of filtering this data or they have an external guide or a reward function that basically allows them to say, "Okay, this looks like bias with a certain amount of probability. So I should probably not include this into my training." So it does happen.

The only problem with that is as an outsider and as a consumer, you're very unlikely to ever encounter this on a day-to-day basis, because even if you assume that there exists a [model] generation x, which was good, and then x plus one is suddenly experiencing some sort of collapsing behavior for some sort of fairness metric – it becomes more racist because it observed more racist data – then more likely than not, people who run massive evaluation suites or behaviors of those models are going to actually notice this. And they will basically make sure that a model like this is never gonna see the real world.

Or they also run additional training with the data they have to accommodate the sorts of distortions that have been introduced.

So as a consumer, I'm pretty sure we will probably not see such effects. It's more likely that it's just ever changing business models because people can decide what they want these models to do, and what the consumer is expected to pay, rather than them just not capturing degradation of their models. But generally speaking, 100 percent this happens.

The Register:

How serious do you consider Model Collapse to be in light of the other issues facing the machine learning community?

Shumailov:

I think it's not going to be that much of a problem for rich companies. It's going to be a big problem for poor companies. Take an arbitrarily big company. They have enough cash to get people to label more data. And we know for a fact that this happens already. They pay – the amount of human evaluations big companies do and the amount of annotations that they harvest for, in very specific domains, is massive.

And the only thing that it will mean is that perhaps tomorrow data for smaller companies is going to cost more than for bigger companies.

The Register:

In your paper, you suggest that community coordination on data provenance is one approach for dealing with Model Collapse. Has there been any support for that idea?

Shumailov:

The answer is yes or no. If you look at The White House commitments, I'd say the answer is yes. They are betting quite a lot on provenance. How well this will work is a very good question. Because for many of the problems we talk about, the solutions are either not bulletproof – they work on some of the time – or we are not really modeling the phenomenon we're talking about precisely enough.

Imagine you're capable of actually telling that a given piece of content has been artificially produced and thus you would not involve it in training – using whatever method, right? So what happens tomorrow when humans start repeating after ML models, which is totally normal?

We observe a piece of text and we repeat it like parrots, especially if it's nicely written and those models are very good. So then I'm not sure at what point this idea that something is artificial is even going to mean anything.

Or imagine the world of tomorrow where everyone has a personalized news assistant or [some company like] The New York Times or whatever writes a set of facts. And then those facts are actually presented to you in a personalized way where a model literally knows what you're thinking about. It knows all the things you know about so it connects to personal stuff. And then presumably the quality of such content is going to be much better than writing something for the general audience.

The sort of attention that an individual is going to express to this piece of news was going to be better. So in this regard, I would probably argue that artificial content is probably going to be richer than human content.

So there are a lot of questions like this, but fundamentally on a more technical mathematical level, we already know for a fact that Model Collapse will happen. And what happens tomorrow [to the vast sea of human-generated content once machines have a say]? It's a good question. What's going to happen once a machine learning model starts basically dictating what appears in this vast sea. Sometimes [these models] are definitely going to be amplifying biases. … The world is going to change. But to what extent technical solutions will be used to solve other technical problems is unclear.

The Register:

Have you heard of any contrary examples, where synthetic data makes models better? I was speaking with Simon Willison, who said that he'd be interested to sort of hear more about your paper when I mentioned it. He said he'd heard the opposite, that some people who are working with LLaMA and feeding in LLaMA-generated content had been getting good results.

Shumailov:

There are cases where people have reported that they observe improvement in performance. And it's quite clear that this is going to happen. There exist cases where this self-improvement loop works, and I can give you plenty of examples of this. Imagine you have a model that is capable of doing a summation and the minus operation. It's totally plausible that you can ask this model to sum something n times and call this operation multiplication and the model suddenly realizes that it is capable of multiplication. So in this case, it suddenly realizes that it's capable of producing a lot more than originally it was ever taught.

Model Collapse is not talking about this. Model Collapse is talking about more fundamentally shifts in the underlying distribution related to biases from algorithms, architectures, and sampling.

The Register:

What steps should the machine learning community take to address your findings?

Shumailov:

I think that there is really only one immediate thing we should talk about and that is understanding what we care about inside of our models.

That's because the first shifts that we see are shifts in [sparsely represented] data. So basically things that are badly represented in data and are badly understood by the models, they experience most of the immediate degradation in performance.

Basically, we need very good evaluation metrics for ML models. We need to be able to model those low probability events very well if we want to make sure that our models work for minority groups – where minority groups are defined as data that does not appear very often inside of the underlying data set. ®

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