ryathal

14 ms·

151.
by ryathal 4y ago
Mortgage rates are essentially set nationally, and lenders are competing based on pricing for the list of allowed rates. Servicing companies also get a slice of the interest rate so that isn't the actual return a buyer would see.
152.
by ryathal 4y ago
In a hot market that's how you get your offer rejected. It's also how you are stuck in limbo for 6 months because you unknowingly got into a massive, stacked transaction.
153.
by ryathal 4y ago
The average commute distance is 41 miles, 10 hours of slow charge is a net loss.
154.
by ryathal 4y ago
The kiss scene in Rise of Skywalker felt particularly pandering and purely a marketing thing. The scene was two unnamed characters that were easily edited out for more restrictive markets. Though I suppose that's the opposite of genera
155.
by ryathal 4y ago
giving big exclusive contracts was a huge mistake by Disney for video games. It's easy to just sell everything to EA, but it doesn't actually result in good publicity for them, which they learned the hard way with Battlefront 2. W
156.
by ryathal 4y ago
There is no such thing as superhero fatigue or Star Wars fatigue or X fatigue. It's all just excusing bad content. The drive to fill out the Disney+ catalog with a bunch of series where constant release was the main focus and not quali
157.
by ryathal 4y ago
Very few houses were underwater for a decade, most markets were already above 2008 levels after 10 years.
158.
by ryathal 4y ago
Previous company had some decent one-off gifts for life events. A couple nice coffee mugs with company colors and hearts for a wedding and bamboo cutting boards with company logo for a housewarming gift were quite nice and actually were app
159.
by ryathal 4y ago
Outside commercial fleets it's not a great deal. Maybe for a kid's first car to be able to keep tabs on where they go.
160.
by ryathal 4y ago
So far I have learned that Scrum can work, but only if the CEO personally wants it to and they have someone spending time with them explaining what every level has to do differently and expect differently for it to work. Partial successes c
161.
by ryathal 4y ago
It's not supposed to be a slippery slope. This is where a functioning "Scrum Master" is supposed to tell that person to stop talking and move on to the next person. That never actually happens though, so the next best scenari
162.
by ryathal 4y ago
I swear someone created SAFe as a joke by just taking the strawman waterfall diagram and adding scrum words, and sprinkle in a few more useless people for good measure. It also ensures that anyone that needs to actually talk or work togethe
163.
by ryathal 4y ago
Calling HoA voluntary is like calling ToS voluntary. Technically it is, but practically it's very one sided.
164.
by ryathal 4y ago
Alternately. 50% of CEO were over reliant on cheap debt and need to reduce headcount to stay afloat as interest rates rise. Another more conspiratorial take. Since wage growth finally started again for the average worker, talks of recession
165.
by ryathal 4y ago
Same is true for the US, but we don't know the limit. It could be 32T or 332T, either way when it gets hit bad things happen.
166.
by ryathal 4y ago
Generally with far apart service stations they can't be closer because everything between is desolate. These stations are already on the outskirts of civilization, there isn't support to have people drive an extra 150km to man a s
167.
by ryathal 4y ago
When rates were low it really didn't make sense, unless you planned to be paid off before adjustments. If you have poor or average credit an ARM can get you a lower rate and the mortgage will boost your score to refinance to a fixed ra
168.
by ryathal 4y ago
This is probably a good way to think about it, but it's not a straight scale of 0% good and 100% bad. There's a goldilocks zone in there, things above that are bad for instability, and things below are bad for lack of caution. The
169.
by ryathal 4y ago
There is currently no tax on wealth in the United States, so there is no tax to avoid on wealth.
170.
by ryathal 4y ago
Blizzard lost their entire RTS staff to Frost Giant and will likely never release another RTS again. Sure they can probably survive on lootboxes for Hearthstone and Overwatch, but it's not the company it was. Even WoW is basically dead
171.
by ryathal 4y ago
This created a massive new risk that is now getting priced in. prices are probably going to jump for a decade because of it, and maybe permanently if politicians decide to do another eviction moratorium for some reason.
172.
by ryathal 4y ago
Everything I've ever seen seems to back up that people with the most debt that aren't doctors did so due to bad decisions. In most cases some or all of the following are true: never got a degree, went to out of state or private sc
173.
by ryathal 4y ago
The why can be really important though. We do X because Google does it, or something like that is often a red flag because they have some insanely convoluted process that they don't need. knowing that things are selected that fit the s
174.
by ryathal 4y ago
The biggest reason I don't like Costco is that it really isn't cheaper than other bulk clubs, or grocery stores for that matter other than Whole Foods or other "premium" stores. Costco has higher prices because they slap
175.
by ryathal 4y ago
Yes it really is a big deal, and it would require a pretty significant increase in the size of the House of Representatives. The increase would need to be in the range of 690-900 to really see any effect tough. What this does is reduce the
176.
by ryathal 4y ago
It's not really even news arguably. The rates have more than doubled in less than a year. That simply removed about 100k of buying power from anyone getting a mortgage.
177.
by ryathal 4y ago
The mortgage market has changed a lot as a result of 2008. It's harder to end up underwater now with requirements for less biased appraisals, actual income, and actual assets. The other thing to note is that even in 2008 almost every h
178.
by ryathal 4y ago
At the poorest levels wages are slowest to increase due to inflation, and there aren't cheaper beans and rice to buy at the grocery store. At the mid levels, maybe a cost of living raise eats half the current inflation, and switching t
179.
by ryathal 4y ago
I prefer an old professors definition of AI, "Computer research in commercially non-viable solutions." Anything AI discovers that is useful becomes rebranded into some other tech. Machine learning is the most recent thing that&#x2
180.
by ryathal 4y ago
While this is the common shorthand, what actually happened is pretty different. The ruling is people don't lose their rights when acting as a group. John Smith, Girl Scout troop#2365, and Bank Of America are all equally protected to cr

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