All said and done, floating rate home loans are more transparent. They give flexibility in moving between banks and benefitting from competitive pricing structures. Also, there are no prepayment charges applicable. Thus, it becomes easier and inexpensive for floating rate borrowers to move to another lender in case their rates don’t reduce as much as the market. Such flexibility comes at a price for a fixed rate home loan borrower. … [Read more...] about Why floating rate home loans hold an edge over their fixed interest peers
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In the same way that BERT and RoBERTa structure words in a three-dimensional space reminiscent of a word cloud, the two neural networks work together to arrange image attributes (such as object shape and background color) in a theoretical space, where similar images are closer together and dissimilar images are farther apart. LeCun says the research has yielded image classifiers accurate enough to exceed current image-recognition benchmarks, but he still doubts that the approach will ultimately produce image classifiers that are good at detecting harmful imagery, and efficient enough to run at a large scale. That’s because the theoretical space the networks must create to accommodate numeric representations of every possible aspect of every pixel of an image is just too large. … [Read more...] about Facebook’s AI for detecting hate speech is facing its biggest challenge yet
But don’t jump right in, just because you get to invest in direct plans. . If you’re investing in mutual funds for the first time or are still in your formative years of investments, there are high chances that you need someone to hold your hand. “Apps that provide personalised investor guidance in the form of fund recommendations, analysis of market trends and various online tools and calculators for informed investment decision-making hold the edge,” says Kukreja. … [Read more...] about Millennials love investing via apps, but are they aware of the pitfalls?
similar mandated programs. Many Americans, students included, are concerned about how these apps work and what kind of data they’re collecting and transmitting. Pew surveys from last year reveal that 72% of Americans believe that much of what they do online is being tracked by companies, and 79% are concerned about how the government and corporations use their data. Now, as companies and communities are working to track COVID-19 cases, there is skepticism from the general public over how effective any of these efforts will be. A more recent Pew study showed that six in 10 Americans think cellphone data won’t help curb COVID-19 transmission, and half of the respondents aren’t even sure if using such data is ethical. … [Read more...] about Ex-Google VP’s new app is helping 30,000 Kansas students return to college
This announcement wasn’t entirely a surprise. In March, The Verge reported that Rent the Runway laid off all its retail staff in a Zoom call. In the same call, an executive at the company said Rent the Runway had to “dramatically reassess” its operations to stay in business. It makes sense: With consumers stuck at home, most people aren’t in need of gowns for fancy events or a constant rotation of professional clothes to wear to the office. … [Read more...] about Rent the Runway shutters all brick-and-mortar stores