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Joined 1 year ago
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Cake day: June 14th, 2023

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  • While interest rates stay high, so will returns on money market fund investments. A simple investment account (likely available from your current bank) with everything put into a good MMF should bring 4+% right now, and is less likely to have withdrawal frequency limits and definitely won’t have a term length like CDs.

    At Chase, they’ve got a solid MMF option that’s been over 4% for a few months and has same day liquidity, meaning it’s basically cash even though it’s getting interest. I think it’s the lowest risk, highest convenience option currently.




  • A big part of that decision is honestly that we live in a very old house, and a few times we have needed to buy new appliances or pay $10k+ in a ≤24hr. emergency, so we try to keep roughly that amount as liquid as possible. Since that’s earning zero and the MMF is nearly as liquid as savings, we just keep all the rest in the higher-interest options, and none at all in a traditional savings account. It’s just been the most convenient and highest yield, lowest risk, most easily liquidated option, with the ease of liquidity cutting minimally into returns while MMF rates are so high.


  • I personally keep like 4 weeks cash in a checking account, some traditionally invested that I don’t plan to touch for many years, and everything else (12+ months at this point) in an investment account at the same bank as my checking, but exclusively invested in a money market fund with same day liquidity. MMFs are earning around 4+% while fed interest rates are so high, and being able to sell and transfer to my checking in a single day feels like it’s basically liquid already.

    Since that’s the case, I don’t want any more than necessary sitting in an account earning 1% or less, just doesn’t feel like that much of a difference between investments that can be liquid in 2 hours vs. savings, but my bank is great about quick investment selling and transferring.


  • idkwhatimdoing@sh.itjust.workstoMemes@lemmy.mlcloudfare bad
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    9 months ago

    Yes, the internet is much bigger than it was in 2003, and it needs more complex protective tools. The fact that you haven’t noticed cloudflare when it is working is a sign that it is, well, working.

    And the fact that your favorite sites aren’t down more often is yet another sign. Downtime due to DDOS attacks alone would be so much greater without cloudflare than downtime due to cloudflare currently is. Your perspective is a pure lack of knowledge and an excess of confirmation bias.




  • As someone who works in content marketing, this is already untrue at the current quality of LLMs. It still requires a LOT of human oversight, which obviously it was not given in this example, but a good writer paired with knowledgeable use of LLMs is already significantly better than a good content writer alone.

    Some examples are writing outside of a person’s subject expertise at a relatively basic level. This used to take hours or days of entirely self-directed research on a given topic, even if the ultimate article was going to be written for beginners and therefore in broad strokes. With diligent fact-checking and ChatGPT alone, the whole process, including final copy, takes maybe 4 hours.

    It’s also an enormously useful research tool. Rather than poring over research journals, you can ask LLMs with academic plug-ins to give a list of studies that fit very specific criteria and link to full texts. Sometimes it misfires, of course, hence the need for a good writer still, but on average this can cut hours from journalistic and review pieces without harming (often improving) quality.

    All the time writers save by having AI do legwork is then time they can instead spend improving the actual prose and content of an article, post, whatever it is. The folks I know who were hired as writers because they love writing and have incredible commitment to quality are actually happier now using AI and being more “productive” because it deals mostly with the shittiest parts of writing to a deadline and leaves the rest to the human.