SkyNTP @ SkyNTP @lemmy.ml

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2 yr. ago

Such an LLM would have the "knowledge" of almost every

Most human knowledge is not written down. Your premise is flawed to the core.

The amortization length affects proportion of principle paid down, but it doesn't eliminate it entirely. At the same interest rate, you end up having paid more in interest at maturity of a longer amortization, yes. In practice, this can be mostly mitigated by negotiating a lower rate, or negotiating and exercising prepayment privileges.

More importantly, with a mortgage, ownership of the property is yours entirely, from day one, not the lenders'. What you owe is cash, not the property. The property is merely collateral in the event of default of payment.

BTW, multi generational loan agreements are not new. They are somewhat common historically and in other places of the world. For the same reason that multigenerational housing is the historical norm.

Yes and no. A lot of people are misinformed. It's easy to say not being misinformed is the responsibility of the individual, just like recycling plastic is the responsibility of the individual consumer. Reality is a bit more nuanced. Misinformed people often simply don't have access to good information or critical thinking skills to not be duped. Many others are straight up vulnerable to manipulation, through fears etc.

Democracy only works if people are informed. I think the American system has failed catastrophically to inform ordinary people.

Governments are the product of the people. There is no divine or natural laws that triggers "an election". A government is simply created from thin air when a group of people (any group of people) get together and say: fuck the old system, we are putting that in the trash and signing a new social contract.

Of course, there's virtually never unanimity of agreement over this social contract in one geographic area, so that social contract is only as binding as the force used to put it in effect.

Realistically, 6 months+ of government shutdown in the US will likely cause a collapse of the USA as a single unified federal entity, since the federal government effectively rots. At that point, all bets are off. A fracture of the US is very possible.

Broadly speaking this is probably true. In a smaller context, though, there are tons of counter examples. The internet for example, from just 10 years ago, was unquestionably better. AI slop, bots, enshitification, social media and browser monoculture...

The anti science trend of MAGA over the last few years...

Etc. Regression does happen, and we should not take things for granted.

It never happens. Untill it does. Ask me how I know.

Enjoy your new pink shirts though!

I hear they are a solution to the problem of increasing mileage/efficiency. I am no fan of Tesla, but we have to admit, there is some merit to that argument, however debatable the efficiency benefits are.

That's not to say safety isn't a serious issue. The biggest problem is the reliance on electronics. Now if someone can reinvent the design with a highly reliable mechanical system, with multiple redundancy.

Reality check: you don't make boatloads of money for having useful skills everyone has (or should have). You make boat loads of money when you have useful skills that few people have.

Why stop at appliances? By that logic, humans are nothing more than self-propelled heaters. The whole universe is nothing but shifting pockets of heat like the ripples of a pond bouncing back and forth until they all disappear.

Such nihilism.

Does this correlate with a map of pedestrian trips per capita? If yes, then this map isn't so interesting.

Sounds like the Narcissist's Prayer to me.

This is how the United States of America turns into the States of America.

A few hundred billionaires own more than the majority of Americans.

I think your assertion is factually incorrect. Or at least significantly overestimates how much ordinary Americans actually get to participate in America.

I think for most people, America has already collapsed, and that is exactly why they voted for Trump.

I would not try to create a separate path to ground. The ground should be bonded to neutral at one and only one place: at or just behind the main panel.

GFCI is rated to protect two wire receptacles downstream of the GFCI, but check with the local authorities on the subject.

Times don't have to be tough. We are living in an age of unprecedented richness. The only problem is most people don't get to participate in that richness. Because greed.

Introspection is a lost art.

Also, don't discount oppression and misinformation used to squeeze people in giving up their collective power.

We should all have learned the hard truth the internet taught us decades ago: admitting you are wrong is so incredibly difficult and painful. People will move entire mountains before ever admitting they are wrong. It's a weakness, and the MAGA cult is centered around and exploits this one weird quirk about humans. It's always someone else's fault. Never an ounce of introspection. Pure and utter cowardice.

Talk about a radicalizing event. Its like an instant 3000 more alt right militants.

Yeah, ... but also no. If your conclusion is "the left is out to get us" in the middle of confusion and chaos, before any evidence comes forward, then I am afraid you were already radicalized.

The plastic (including polyester fabrics) in your car was most likely derived from petroleum. The car parts were most likely shipped around during manufacturing using combustion engine vehicles. The energy to cast those car parts, probably some of it comes from non renewables. The labour to build the car almost surely comes from other people who consume gas (for example to drive to the EV factory)

That "100%" renewable energy? The installation and maintenance of it was/is almost certainly done with large industrial equipment and vehicles burning fossil fuels. (Similar issue with production of parts).

Look, I'm not saying you aren't making positive choices by choosing renewable options. What I am saying is, while they are more renewable, they aren't truly 100% renewable when you factor everything involved in it. Fossil fuels are so pervasive in society, it's virtually impossible to both function in a modern society and not contribute to the consumption of fossil fuels.