Moo-ose …

Moo-ose …

Moo-ose Moo-ose MOO-OSE MOO-OSE MOO-OSE MOO-OSE MOO-OO-OSSSE

I’ve been a software developer for over 15 years, I’ve never used one. It’s not necessary at all.

The fact that you think it’s bad at one thing in your list but adequate at the others is part of the problem. It’s bad at all of those things, because it’s a chatbot. Admittedly a very advanced chatbot, but still just a chatbot.

The most important take away here is what of your list was impossible before LLMs? Because the reality is that absolutely everything that you mentioned was possible before LLMs. All that LLMs have added is the chat interface part.

Granted, the technology that allowed LLM’s is likely to be very useful and already has been in places like protein folding, but that happened before LLMs.

You didn’t actually say what you think LLM’s are enhancing. Just that you feel that they are. Honestly I think that’s the biggest part, they’re big shiny things that look like they’re doing a lot. But they actually aren’t. LLMs are chatbots and they will never be anything more than just chatbots.

It’s not? Loose rhymes with goose, lose rhymes with snooze.

I have one and it isn’t that hard to read. The top is still 12 but the bottom is midnight with 6 and 18 in the 9 and 3 place respectively.

That dude in that picture is not too young for Facebook…

You do understand that French and Spanish are spoken in North America right?

I get what you are saying, but I think you are vastly overestimating how much foreclosed houses sell for.

Less profitable is not unprofitable. But yes interest is typically front-loaded and if you’re still deemed to a higher risk typically have to pay insurance on top of that. In this case though they’re hedging against the fact that you’re going to move not that you’re going to foreclose.

I may be confused about what you’re trying to say, but, no, first time homeowner loans are exclusive to first time homeowners. It was a program set up by Obama.

I think I understand what you’re trying to say but you’re still missing the main point. You pay interest for the full 30 years of the mortgage the most profitable position for the bank is for you to pay that interest for the full 30 years of the mortgage. It’s not temporarily expensive for them to foreclose they lose out on 30 years of being able to rake in money while doing absolutely nothing.

No part of anything that I’ve said should be construed as defending a bank. The fact that you keep going out of your way to call it that is why I’m telling you that I feel you need to calm down.

The only point I was trying to make is that foreclosure is neither in the best interest of the bank or the homeowner.

Nobody was asking you to lose sleep. I kind of feel like you need to calm down.

I wasn’t trying to make you feel sympathy for a bank. Just pointing out that foreclosing on a house isn’t profitable for a bank.

Well now at least you can say you know of me, I have 4 years left before 40.

Those of us in the second half of millennial aren’t that different than the first half, the biggest difference is things like YouTube and Facebook were high school things for us instead of college things.

Foreclosed houses very rarely sell for what they’re worth and it’s not uncommon for people who are foreclosed on the trash the house on the way out.

When my wife and I were recently looking for a house in the city we moved to recently one of the houses we looked at had had the air conditioner taken by the previous owners because it had been foreclosed on. I’m serious, the entire fucking condenser was taken.

You’re describing a first time homeowner loan. Not a typical mortgage in the US.

The life of a mortgage is worth far more than the house. It’s in their best interest that you stay in the house for the entire 30 years of the mortgage and pay for it on time every time. Foreclosure is expensive.

Because the software doesn’t understand the concept of anything. It’s been fed a bunch images of keyboards and programmed to output an average of the images. It has no concept of a pattern or a keyboard in which to conform to something recognizable.