hrududuu

https://docs.stripe.com/payments/3d-secure

Im not aware of card networks selling data like this, but there are other players like Yodlee. I used this data for equity trading.

This type of comparison needs to add corporate income tax (20%) in order to be an apples to apples comparison,so 27.5. It's still a stark difference in taxation, and I know of no other country that does what Finland does for dividend taxation. In fact for earned income,things look even uglier when you add in tax-like social security contributions.

Perhaps not coincidentally, Finnish companies are also an outlier in paying extremely high dividends.

Great resource. This was my area of graduate study, and I would say this material is quite hard, in the beginner to advanced PhD range.

And this inspiring textbook I think has high overlap with these topics: https://www.amazon.com/Stochastic-Integration-Differential-E...

Ito's formula/lemma is like the chain rule from calculus. It is a generalization, in that it uses a second order Taylor series expansion, whereas the chain rule only needs a first order expansion. Anyway, I think (2) is a reflection of this fact, and how the chain rule lets us compute dynamics of a derived process.

I sort of disagree with (1), since Ito's lemma is most naturally applied to ~martingales, of which Brownian Motion is an important special case.

Gpt4 or even 3.5 is quite good at Finnish. Was there ever a benchmark against closed source models?

I'm just a hobbyist building tools for my own use (to learn Finnish), but I love the space, so happy to connect if you'd like: here's a video https://drive.google.com/file/d/1H_W6i4aa0Ak-vSAh99zYjJ4LcUT...

My core task loops are phrase translation and audio transcription, and I've always been motivated by gamification and eventually data driven task selection

Here's a link https://drive.google.com/file/d/1H_W6i4aa0Ak-vSAh99zYjJ4LcUT...

I'm pretty happy with translation, even with GPT-3.5. I haven't used it for native text generation. Happy to keep in touch :D.

Oh cool, I'll check these out! I've been doing some coding myself to learn Finnish. I'll post a video of my tool in a little bit. I generate a daily set of exercises, and then track my progress over time.

The tasks: scrape all the selko articles and then generate fi-> en translation tasks in the form of phrases (using an LLM). Same thing except en->fi. Free form task generation where I tend to use HS for articles (so like, adult Finnish). And then one I'm working on now, Finnish transcription from auto-generated speech, from selko again.

A lot of my evaluation is based on embedding + cosine distance. LLM's are truly bringing a golden age for language learning.

My anecdote against a couple hundred, I stand corrected. I think the overall point stands though :)

Consumer prices are not lower in Finland, although VAT is responsible for a lot of the difference, to be fair. Yeah, sales tax in Finland is 24%. I've been in both places in the last year, cried when I bought my used Toyota here. Rent indeed is 70% lower, but you lose by having 70% lower rent and 70% lower salary. Besides, median salaries in Finland are 15% of what they are in SF (staff swe at 500k vs 90k). And the tax burden is way lower, even in CA. Finland has a lot going for it, but there's just no point in debating the money part.

And yet I never saw people tracking the daily electricity spot price until I moved to Finland :). Miten menee sun suomi, on kiva oppia sitä.

Meh, you can come up with twenty different methodologies and they all point to coming out way way behind in Finland. SF -> Finland immigrant, took approximately 70% pay cut, and enjoying the 80% marginal tax rate.

The health of democracy is way better than the US at least.