Dall-E Mini, the AI-powered text-to-image generator has taken over the internet. With its ability to render nearly anything your meme-loving heart desires, anyone can make their dreams come true.
DALL-E 2, a portmanteau of Salvador Dali, the surrealist and Wall-E, the Pixar robot, was created by OpenAI and is not widely available; it creates far cleaner imagery and was recently used to launch Cosmpolitan’s first AI-generated cover. The art world has been one of the first industries to truly embrace AI.
The open-sourced miniature version is what’s responsible for the memes. Programmer Boris Dayma wants to make AI more accessible; he built the Dall-E Mini program as part of a competition held by Google and an AI community called Hugging Face.
And with great technology, comes great memes. Typing a short phrase into Dall-E Mini will manifest 9 different amalgamations, theoretically shaping into reality the strange images you’ve conjured. Its popularity leads to too much traffic, often resulting in an error that can be fixed by refreshing the page or trying again later.
If you want to be a part of the creation of AI-powered engines, it all starts with code. CodeAcademy explains that Dall-E Mini is a seq2seq model, “typically used in natural language processing (NLP) for things like translation and conversational modeling.” CodeAcademy’s Text Generation course will teach you how to utilize seq2seq, but they also offer opportunities to learn 14+ coding languages at your own pace.
You can choose the Machine Learning Specialist career path if you want to become a Data Scientist who develops these types of programs, but you can also choose courses by language, subject (what is cybersecurity?) or even skill - build a website with HTML, CSS, and more.
CodeAcademy offers many classes for free as well as a free trial; it’s an invaluable resource for giving people of all experience levels the fundamentals they need to build the world they want to see.
As for Dall-E Mini, while some have opted to create beauty, most have opted for memes. Here are some of the internet’s favorites:
no fuck every other dall-e image ive made this one is the best yet pic.twitter.com/iuFNm4UTUM
— bri (@takoyamas) June 10, 2022
There’s no looking back now, not once you’ve seen Pugachu; artificial intelligence is here to stay.
A brief history of American credit unions and banks
Do you understand the difference between a credit union and a bank?
Big banks and social responsibility don't typically go hand-in-hand, but there is a bedrock financial institution that was formed wholly out of a noble ethos. The brutal winter of 1846-47 led to widespread famine, so Friedrich Raiffeisen, a rural German mayor, set up a system in which wealthier citizens put cash into a fund used to buy grain to be loaned to those suffering from the famine. This, in turn, led to a community bakery. The "bread society" project worked. When the famine ended, the less fortunate paid back the benefators in cash. Raiffeisen would expand on his largesse with an "aid society" that provided low-interest loans to farmers to get around the common usurary practices, and set up a charity for abandoned children. Eventually, in 1864, Raiffeisen established the first rural cooperative lending institution, in effect, creating the first credit union.
Credit unions wouldn't come to the United States until 1909. That year, the first one opened in New Hampshire, and the first comprehensive credit union law passed in Massachusetts with help from Edward Filene of department store fame. It served as the model for the FCU Act, which was signed by Franklin Roosevelt in 1934, authorizing federally chartered credit unions in all the states.Coming in the middle of the Great Depression, the FCU Act gave Americans the chance to join member-driven co-operative non-profit financial institutions like the "bread society" of yore.
"The membership orientation of credit unions is designed to serve the consumer, particularly those of more modern means, through the affiliation with a group," says Greg McBride, chief financial analyst at Bankrate.com. "Today, credit unions and banks have more similarities than differences, although they're generally much smaller and some may have a single branch."
The primary drawback to credit unions is one of size. They don't have branches on every corner and they not offer the 24/7 service of our banking overlords. Credit unions also don't tend to have the full menu of services as the giants, like say wealth management or some small business loans. It varies, of course. The larger credit unions, like top gun 7-million-member $90-billion-in-assets strong Navy Federal Credit Union offers business loans, but most have much smaller holdings.
For the Monopoly Man, size matters. Who else is going to back another major development on Marvin Gardens? Let the monocled oligarch have Wells Fargo. One important facet of credit unions is that they're not Wells Fargo, there's no incentive to conjure 3.5-million fake accounts out of thin air.
"They have the same regulatory rules as banks, but the not-for-profit status shields credit unions from some of the more nefarious practices of their counterparts," says McBride.
Credit unions got a big boost following the 2008 financial crisis and the Occupy Wall Street movement that grew out of it. In 2011, a California woman tired of her high uber-bank fees started a social media event page calling for a "Bank Transfer Day" where money would be moved to credit unions. According to Bill Cheney, CEO of the Credit Union National Association, it worked. Credit unions added a net of some 2.2-million members between June 2011-2012, double the average over the previous ten years. As recently as the second quarter of 2017 saw credit union growth across the country in nearly every category, according to the National Credit Union Administration. There's now 102-million credit union users in the United States, so the big banks have taken notice. Just last week, members of state banking associations called on Senate Finance Chairman Orrin Hatch to tax the larger - yet still non-profit like so many mega-churches-credit unions.
Banking, however, is not an altruistic endeavor. There are still reasons to go with credit unions, such as:
One of the most attractive aspects to credit unions is the money saved. Consumers can get better rates on deposits and loans, lower or at least reduced fees, and the balance requirements are much more user-friendly.
One credit union member, one ballot. Board seats and official positions are voted on by the membership. Non-profit means credit unions are beholden to the community within, not shareholders.
Low barrier to entry
If someone meets the membership requirements - be it geographical, organizational, social, or even philanthropic (Alliant Credit Union is open to anyone who makes a $10 charitable donation to Foster Care to Success) - membership fees are reasonable and don't require a crazy level of assets at all times. Many credit unions are specifically designed to help customers get a foothold in the American baking system. A great example is California's Golden 1 Credit Union, which offers a free account to students ages 16 and 17, so long as they maintain a B average or higher.
Credit unions are an unsung piece of the American financial structure, but they can work for you, even if you're generally happy and at a large bank (that probably has ridiculously punitive overdraft fees.) Keep in mind, it's not an all-or-nothing proposition. You can do a piece of your overall banking at a credit union. Greg McBride says too many consumers sign up with a single bank and miss out on opportunities to save money by diversifying. He advocates the same approach Smokey Robinson's mother did for dating.
"It's prudent to include credit unions to look for the best deal," he says. "Consumers should always shop around."You can start right here