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nbar1 commented on Americans have quit quitting their jobs   wsj.com/articles/american... · Posted by u/gmays
oblio · 2 years ago
If the value of the house has increased...
nbar1 · 2 years ago
No, any value outside of what is owed to the bank.

If you take out a 300k mortgage and pay it down to 150k principle then default, the bank sells it for 250k and gives you 100k (minus associated costs).

nbar1 commented on GPT-4 is getting worse over time, not better   twitter.com/svpino/status... · Posted by u/taytus
imtringued · 2 years ago
The alignment problem hasn't been solved for politicians.
nbar1 · 2 years ago
another irrelevant comment about politics.
nbar1 commented on Right-Wing Websites Scam Loyal Followers with Phony Celebrity Pitches   propublica.org/article/ri... · Posted by u/isaacfrond
nbar1 · 2 years ago
Left-Wing media scams loyal followers with lies and unattainable promises.

Welcome to politics.

Deleted Comment

nbar1 commented on Americans have quit quitting their jobs   wsj.com/articles/american... · Posted by u/gmays
el_nahual · 2 years ago
> The only exception might be a mortgage of 25-33% of a house value, I'd put 75-66% in cash.

Can you explain your rationality for this? You're still allowing the bank to have senior ownership of your house except... for less money.

If you default, they keep your house, no matter what the debt-to-value is.

Like, I understand saying "I couldn't make my mortgage payments so the bank took the house, but I guess they did pay for 90% of it".

But this seems like all the insecurity of a mortgage for a lot less money?

nbar1 · 2 years ago
The bank doesn't "keep" your house, they foreclose on it and sell it. Once they sell your home, any liens and associated costs are satisfied and the remainder of the money is given to the borrower.
nbar1 commented on Americans have quit quitting their jobs   wsj.com/articles/american... · Posted by u/gmays
incahoots · 2 years ago
I swear majority of these "economic" stories are hyper generated by some LLM they have access to, with very little or zero basis in reality.
nbar1 · 2 years ago
Okay but your comment is just your opinion with very little or zero basis in reality.
nbar1 commented on Did Reddit just destroy mobile browser access?   reddit.com/r/help/comment... · Posted by u/xednir
baq · 3 years ago
This, this and exactly this.

Their finance team probably made a projection that if they can get X% of current mobile web users onto the app, they’ll be able to extract Y% more total revenue. They have no idea that they should split users into contributors and lurkers and even if they had, they have absolutely no idea how to model their value, so they don’t, the board sees the numbers and tells them ‘ASAP’ and that’s how you kill social networks, because the financial model is based on false assumptions.

nbar1 · 3 years ago
> They have no idea that they should split users into contributors and lurkers

Comments like this amaze me. People really think these giant corps are out here not doing things like this.

Dead Comment

nbar1 commented on uBlock Origin 1.50.0   github.com/gorhill/uBlock... · Posted by u/rc00
nfriedly · 3 years ago
> Add thunderbird as target for installation

That's interesting. I get a couple of newsletters with advertising in them, and while I still find the Thunderbird interface a little clunky, this might sway me a bit.

I'm currently running Thunderbird as an email backup solution, with a rule to automatically copy every new email to a local folder. Maybe I'll start using it a bit more. (It's in a docker image on my file server, accessed via noVNC in a browser, which definitely adds to the clunkiness. Maybe I'll switch it to my local machine.)

nbar1 · 3 years ago
> Thunderbird is clunky

> I'm running it in a docker image on my file server, accessed via noVNC in a browser

nbar1 commented on Major Reddit communities will go dark to protest threat to third-party apps   theverge.com/2023/6/5/237... · Posted by u/netfortius
thomastjeffery · 3 years ago
That difference is important, because it's the first group that actually makes content.

Without those users, there is no platform.

nbar1 · 3 years ago
That's plainly false, and there is no data to back up your claim.

u/nbar1

KarmaCake day265December 12, 2016View Original