ChrisLomont

11 ms·

61.
by ChrisLomont 4y ago
Ha- I came here to say this - I've solved them this way for decades whenever I need one, since the derivation when I'm doodling is often quicker than finding it (or if I'm out somewhere and internet access is difficult). Note
62.
by ChrisLomont 4y ago
SSDs could still do it for speed and to write less pages, making the drive last longer, and simply report the uncompressed space as used. They already do all sorts of tricks on pages such as moving them logically, having more internally tha
63.
by ChrisLomont 4y ago
That paper showed a minimum of 26 states, not a maximum. Later papers have increased this significantly. [1] for example increased the number 10-fold. Papers like [2] have pushed this complexity per synapse into a much higher level of compl
64.
by ChrisLomont 4y ago
Sorry for any confusion - what I wrote was "FM does not guarantee most mortgages" in reply to the OP claiming FM guaranteeing mortgages is subsidizing the housing market. (And I ignored that FM is not the Federal Govt for now...)
65.
by ChrisLomont 4y ago
>Do you think they don't attempt to keep the house prices from crashing ? (also known as getting more affordable). Also known as wrecking tax base for police, schools, local and state economies.... This is a terrible idea - delibera
66.
by ChrisLomont 4y ago
That's a list of how long until the landlord can file an eviction, not how long an eviction takes. "Thus, the eviction process can take from five weeks to three months, assuming there are no delays. If there are delays, the proces
67.
by ChrisLomont 4y ago
>You will have put money into the property to keep its value up You're ignoring what was written: if the building has value 0, then it is not maintained to keep the value up. Of you kept the value up, then it would not have an effec
68.
by ChrisLomont 4y ago
>Hedge funds have been buying houses at scale since the great recession. Zillow tried that and lost over a billion dollars - I'd expect lots of those purchases are not the money makers you think they are. >Which increases faster
69.
by ChrisLomont 4y ago
Where do you think some of your 401k returns come from?
70.
by ChrisLomont 4y ago
Are you claiming zero money was spent on those properties for 30 years? I don't think that claim would stand on it's face. Over 30 years all sorts of things would break, pipes, leaks, batteries corroding and leaking out, animals m
71.
by ChrisLomont 4y ago
Factors also depend on the age of the house and your location - harsher climates are much worse on various house factors. A new house will have much less costs to maintain over 25 years than a 50 years old house. Having owned a few houses (
72.
by ChrisLomont 4y ago
>> FM does not guarantee most mortgages, >What? Of course Fannie and Freddie guarantee the MBS they issue Yes, they guarantee the MBS they issue, which is on a minority of all loans. The fact remains they do NOT guarantee most mort
73.
by ChrisLomont 4y ago
>I don't think this is true. They do guarantee some loans, as I wrote above. The marketing blurb you copies cleverly does not state they will guarantee any mortgage loan. If they did, the housing crisis would not have been such
74.
by ChrisLomont 4y ago
>Everyone (with shoes) is counting on their shoes increasing in value. So the government becomes focused on raising the prices of everyone's shoes That is not how reality works. Prices go up because people are paying them - it has n
75.
by ChrisLomont 4y ago
>There was a slight slump in rentals after the financial crisis, not before And a significant decline in mortgages over that time, likely due to mortgage law changes as a result of the crash. Making it slightly harder to get a mortgage w
76.
by ChrisLomont 4y ago
>To claim that you need to spend money equal to the tax-assessed value of the building over the course of 30 years to maintain equal value is slightly less ridiculous, but still not exactly reasonable. No one wrote that either. You'
77.
by ChrisLomont 4y ago
>Both Fannie and Freddie buy mortgages Yes, I said as much. The OP claimed they guaranteed mortgages, which they do not. I'm decently aware of the MBS market - I developed MBS pricing algorithms in the late 90s/early 00s for pu
78.
by ChrisLomont 4y ago
>“ An asset class is a grouping of investments that exhibit similar characteristics and are subject to the same laws and regulations.” Yes, I got that. Housing has been such for well over 100 years, right? It is not treated as a service
79.
by ChrisLomont 4y ago
Bingo - I'm surprised so many didn't understand the thread flow and jumped on this....
80.
by ChrisLomont 4y ago
And there was a housing crash in there and decent growth in population over that time. Next, instead of picking a window wrapping the biggest housing bust in a century, pick various decades and see how normal volatility behaves - and you mi
81.
by ChrisLomont 4y ago
>Are you really in good faith trying to argue that nobody will rent a house that is 30+ years old? Nope, pointing out that in order to keep the house rentable, the landlord has in put money into over all those years, which the OP left ou
82.
by ChrisLomont 4y ago
>is being treated as an asset class It always has been and likely always will be an assert class - it can be sold later so it's an asset. For well over 100 years the inflation adjusted price of new housing has been a quite similar r
83.
by ChrisLomont 4y ago
>Those will also get snapped up by investors. Investors buy around 10-20% (depending on quarter) of all new properties (and likely because they paid to build most of that share). That's a far cry from 100%.
84.
by ChrisLomont 4y ago
>Fannie Mae guaranteeing mortgages FM does not guarantee most mortgages, only certain govt types like FHA and VA loans, which the govt decided to back in order to help low income people get loans (otherwise the rates would be even higher
85.
by ChrisLomont 4y ago
As long as the owner puts significant money into the property over time to fight depreciation. Entropy applies to houses after all.
86.
by ChrisLomont 4y ago
>you pay no income tax on your rental income And are losing value on the property, which is the point of depreciation. >~30 years later, you've deprecated it down to an effective value of $0 An no one will now rent, since your bu
87.
by ChrisLomont 4y ago
Yep. >Aliasing can be eliminated by low-pass filtering (blurring) the input signal before sampling it. Nope. I have a PhD in math, and have been doing filtering stuff for decades. You do not eliminate aliasing, you push the error out of
88.
by ChrisLomont 4y ago
>They do need to push other images from where the sensor would be :). Yes, taking a new photo. However, a photo of a photo is going to show artifacts in the frequency spectrum that should not be difficult to detect. So they cannot edit a
89.
by ChrisLomont 4y ago
>it’s very plausible Apple invests more R&D into custom silicon and/or security in a year than these companies make in total revenue from selling cameras. Why would you compare all of Apple to the subset of Sony that is cameras?
90.
by ChrisLomont 4y ago
What in that makes you think there are no aliasing artifacts? Yes, you can take a movie of a movie, and you introduce artifacts that simple frequency analysis will find. There's no reason ILM would even try to remove this for such an a

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