Nah. The need to regularly change passwords is unnecessary. If you use a sufficiently long password, unique passwords for every site, and 2FA/MFA for “important” logins, then you’re good.
Businesses requiring their staff to regularly cycle passwords is outdated and makes their systems less resilient, since it opens more angles for social engineering attacks or password security carelessness.
MAM has, effectively, no ratio requirements at all since it’s so easy to get points. There’s some system to reward seeding low-seed torrents and large-file-size torrents, and to stay in good standing you only need to seed for 72h. Hell, they give out freeleech tokens like candy, too.
If you start by downloading some low-seed books to keep the swarm alive, you’ll have enough points to buy VIP status indefinitely. And because of that system, basically everything on the site is available and downloads in seconds. It takes me longer to transfer audiobook files to a phone than it takes to download.
By definition, it is. 85-115 is the 1 standard deviation range for IQ and encompasses ⅔ of the population (roughly). So, 115 is “average” or “high average”.
115-130 is above average, while 70-85 is below average (“mild intellectual delay” used to be the term I think? Not sure if that’s still current). 145+ was “genius” and 160+ was “super genius”, back in the day; I assume those terms aren’t used anymore, but I haven’t looked into it. IIRC, about 97% of the population is 70-130 IQ.
My brother is a “genius”; I am not. (I was never told my exact score on the IQ test found for me as a child, but I know the range, and in both our cases came from a psychologist).
I’m more “successful” by most standard measures of success, but that might have more to do with his (undiagnosed and unsupported) autism than his IQ. (Career , house, family, etc.) In math, for example, he could get 100s without effort, until university. I could get 100s with significant but not extreme effort, or coast and get 80s-90s until university. We both got top scores on math contests at the local (academic) school level.
I don’t really think IQ is very valuable for having a “good” life. Emotional regulation, introspection, mindfulness, and other soft skills are more important, imho, and I’m actively working on trying to build more capacity in those areas, and they’re leading to more success for me than my speed at learning a narrow subset of things (what IQ measures).
I’m dealing with a lot of harm from how constantly being labeled “smart” was damaging for me, paired with my at-the-time undiagnosed ADHD. I struggle with a lot of imposter syndrome, need for external validation, and oscillating sense of self worth.
TL;DR: “Emotional intelligence” trumps IQ for life skills and general happiness, equanimity, and “success”.
Depends on the item and your goals.
If you’re a “car person” who always wants to have the latest model, then maybe leasing a car makes sense. Every 3 years, you get a new car.
Phones are similar; there are some plans where you are expected to return the phone every 1-2 years. If you really want the newest model all the time, then that might be a good plan for you.
But for a printer, that only makes sense if you’re a business with medium print volumes and no IT budget. For home use, that’s insane when a cheap last printer will last decades. We have a B&W laser from 2 decades ago and a used colour laser we got for free/very cheap (the power button is broken but it otherwise works great). I’m guessing we pay about 1-2% of an HP subsription.