• 10 Posts
  • 109 Comments
Joined 3 years ago
cake
Cake day: June 15th, 2023

help-circle

  • Anki is far more grueling than beginners realize. And it’s very difficult to predict future work.

    Adding new word isn’t just work today (maybe 5+ viewings to get Anki to make you think you’ve learned the word…), it’s also multiple showings over tomorrow, later this week and more.

    You must change your words/day to something that is doable. Keep an eye on your Anki usage, if it’s longer than you want then cut down on your new words/day until you master your current review set.

    And always be careful with the new words button. It’s more work to learn 20 words than you might realize, so don’t double or triple it to 40 or 60!!!


    20 words/day is about 30 minutes of Anki for me, because 80 reviews + 20 new words == 100 cards. But I need around 300 flips to finish Anki.

    That’s 30 minutes of Anki in practice (a card flip averaging 6 seconds, 10 cards per minute and yes 30 minutes/day).

    If I drop down to 0 new words/day, I still have the 80 reviews per day (at least until those old words are mastered). Eventually I get quicker and Anki believes I’ve learned the words but it can take literally days before your workload decreases.


    You must also remember that Anki / Flashcards is rote memorization. Its your “brute force cudgel”. You can never truly reach mastery with Anki alone. Anki is great for spelling practice, pronunciation practice (if you have included real-world audio .mp3 with your flashcards)… and if necessary is a forced German -> English vocabulary memorization tool.

    Useful skills yes, but language mastery can only happen with reading, writing, listening and speaking. Aka: “Immersion”. Anki is great because it helps minimize the time spent on flashcards. If you aren’t saving time but instead feel like you’re wasting time, then you need to change Anki settings to something more useful.



  • Another small note on FSRS settings - adjusting the desired retention a little bit can be helpful. Defaults at 90%, turning it down makes review intervals longer, up makes them shorter. For large decks (vocab lists), I prefer it down at mid-high 80s. You want familiarity, not perfection, so less overwhelming reviews can be better.

    Depends really. If you are drilling der/das/die genders and spelling, you might want perfection.

    But yes, drop the FSRS setting to 80 or even lower for familiarity. If you are focusing on reading/consuming, it’s better to focus on familiarity instead.

    But if you are studying writing/speaking, you need to set that retention back up to 90 and also aim for perfection on each card.

    In general, 90% is closer to perfection and the highest you typically should go. However, medical students have been known to aim for 95% or higher (!!!) because they want to pass an exam and then forget about it later, lol.

    So even going above 90% makes sense for some communities out there.

    Medical students are willing to drill 4-hours per day on their subjects and want near 100% memorization in time for their exam. It’s a different kind of learning, but Anki does support that.




  • You’ve got equities, debt and derivatives.

    Equities are ownership into shares. These are the simplest to understand. You own a share of a company and thus are entitled to a % of the profits (though most companies today choose 0% as their decision).

    Debt means funding… debt. SLABs (student loan backed securities), MBS (mortgage backed securities), bonds (government debt), bank loans etc. etc. These are surprisingly complex in practice but perhaps easiest to understand. There’s lots of different details to debt (callable, puttable, tax free, convertible, coupons, notes, bills, bonds, I-bonds, EBonds, 10Y, 3M, overnight repos). But in all cases, you lend money to someone, and later they try to return it to you + a little extra.

    Derivatives (usually options but there are many kinds) are new inventions that are more complex. Ignore these as they are very very complex.


    That’s about it.

    The general recommendation is to buy an ETF for equities and an ETF for Bonds. ETF is just a combination of simpler investments that you pay 0.04% to 2% a year for convenience.

    VOO takes the 500 biggest companies in the USA (aka the S&P 500) and buys mostly the biggest company and a very little bit of #500.

    BND is a similar idea except it’s a whole bunch of different debts from across the entire economy.

    So buy some equities (mostly equities), some bonds, and leave some cash in a high yield savings account. Done.

    Stocks (aka VOO) make the most money on the average, but also loses money the most often.

    Bonds (aka BND) makes middle amount of money but rarely loses money.

    Cash / savings accounts never lose money (except inflation). But makes very very little. It’s still worthwhile to keep necessarily amounts as cash and this you should always be considering how much cash to keep.



  • dragontamer@lemmy.worldtoComic Strips@lemmy.worldme_irl
    link
    fedilink
    English
    arrow-up
    20
    ·
    edit-2
    5 months ago

    Someone needs to tag this with git blame and it’d be the perfect programmer joke.

    For the non programmers: git blame is a tool to figure out who on your team wrote a specific line of code. Inevitably, the answer tends to be ‘me’. Waaayyyyyyy too often.




  • Discover seems to be the best bet to me so far.

    Discover is on the JCB, UnionPay, Troy and RuPay. (japan, China, turkey, and India respectively). Probably many more.

    Similarly, a JCB card should work wherever Discover is. It’s a billateral alliance.

    Oh, and all Discover cards work on Diners Club International because those two networks completely merged.

    Alliance members are not 100% acceptance. It seems like 95%+ acceptance though (most JCB will accept most Discover cards and vice versa, though you will get confused looks from the locals). It sounds like there’s a lot of old equipment around the countries that break compatibility but cities and other urban areas with new equipment shouldn’t have any problems.


    I’ll probably get a Discover card and start testing this out. I already have Visa and Mastercard but this new censorship issue seems serious enough to make me start supporting a 3rd place competitor.

    Between Discover vs AmEx, it seems like AmEx is about elite club / customer service / returns etc. etc. nice features but I’m not sure if it’s worth the price.

    Discover is free of annual fees, reasonable cash back, mediocre costs for the merchants (better than AmEx anyway and comparable vs Visa) and a surprisingly huge offering of international compatibility (RuPay, JCB, UnionPay, etc Etc). It seems like the winner to me as a 3rd card to experiment with.





  • Ummmm.

    ACH is how you get your paycheck, and it’s being updated to FedNow.

    Zelle is an independent network as well.

    And of course, there is Discover and AmEx.

    There is also cash, check, money order. They still work today, just people largely forgot how to use them.

    IIRC some Brazilian network was getting very popular off of this. If you want to look at non-US options.

    There are plenty of competitors to Visa/Mastercard/Paypal.


  • dragontamer@lemmy.worldtoShowerthoughts@lemmy.worldWe Live In Public
    link
    fedilink
    English
    arrow-up
    1
    ·
    edit-2
    8 months ago

    Now AI can sort through the hours of traffick camera footage

    No it can’t, not without major hallucinations and/or basic errors (ex: Black People tend to be misidentified).

    That’s the big thing about this AI push, it’s subtle mistakes are fucking people over right now. If AI actually worked reliably that’s another thing. But right now, people are mostly pretending that AI works and/or ignorant of its flaws.