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#41
Off the Record / Re: The AI dooooooom thread
Last post by Crazy_Ivan80 - Today at 06:57:49 AMQuote from: The Brain on Today at 03:09:14 AMExactly. When I read news stories about companies including AI hallucinations in reports, the shocking thing to me isn't that they used AI but that they released a report without reviewing it.The rector of the university of Ghent found out that using Ai to write speeches might not have been the smartest thing to do.
#42
Off the Record / Re: What does a TRUMP presiden...
Last post by celedhring - Today at 05:57:56 AMQuote from: Tamas on Today at 05:24:28 AMIsn't it usually a fixed for full term mortgage in the US, like how sane people should do it? That would explain the discrepancy.
Mine is fixed, too. Although it is true that variables are prevalent in Spain. But I am getting old and thus I hate uncertainty.
I'm seeing that an explanation is that in Spain (dunno the rest of the EU) you can't give back the house and walk away from the mortgage (over here the house is auctioned and you are only guaranteed 50% of the mortage principal), while in the US you can - so there's more risk.
#43
Off the Record / Re: What does a TRUMP presiden...
Last post by Tamas - Today at 05:24:28 AMIsn't it usually a fixed for full term mortgage in the US, like how sane people should do it? That would explain the discrepancy.
#44
Gaming HQ / Re: The NEW New Boardgames Thr...
Last post by celedhring - Today at 04:53:03 AMBurning Banners had certainly drawn my attention, since the theme would certainly land beautifully with my group, but given that we are usually 3 people at the table (sometimes 4) I'm not sure how it would fit us.
#45
Off the Record / Re: What does a TRUMP presiden...
Last post by Maladict - Today at 04:07:53 AMI will be at 2% until 2049, quite pleased with that.
#46
Off the Record / Re: What does a TRUMP presiden...
Last post by celedhring - Today at 04:05:14 AMYeah, last year I renewed at 2.5% and regretted not doing it earlier. Most fixed rate offerings now are around 3%.
While ECB rates are lower than the Fed, the premium is still larger. We haven't had mortgages above 6% since the 2000s housing bubble. And you have to go back to the 1990s to find them consistently above that.
Again, I'm too ignorant in these matters to know what's better or worse (and the answer I suppose is a flavor of "it depends").
While ECB rates are lower than the Fed, the premium is still larger. We haven't had mortgages above 6% since the 2000s housing bubble. And you have to go back to the 1990s to find them consistently above that.
Again, I'm too ignorant in these matters to know what's better or worse (and the answer I suppose is a flavor of "it depends").
#47
Off the Record / Re: What does a TRUMP presiden...
Last post by Zoupa - Today at 03:43:12 AMFeels high to me. I just renewed at 3 % and was annoyed. My previous rate was under 2.
#48
Off the Record / Re: What does a TRUMP presiden...
Last post by Valmy - Today at 03:23:16 AMQuote from: celedhring on Today at 03:20:49 AMWhy are mortgage rates so high in the US? We have our own housing affordability crisis but our mortages don't carry as much a premium vs general interest rates.
What do you consider high? Right now they are around 6% interest, that's not particularly high.
#49
Off the Record / Re: What does a TRUMP presiden...
Last post by celedhring - Today at 03:20:49 AMWhy are mortgage rates so high in the US? We have our own housing affordability crisis but our mortages don't carry as much a premium vs general interest rates.
#50
Off the Record / Re: The AI dooooooom thread
Last post by The Brain - Today at 03:09:14 AMExactly. When I read news stories about companies including AI hallucinations in reports, the shocking thing to me isn't that they used AI but that they released a report without reviewing it.