it doesn't say anything about house prices IMHO,
simply put the cost of selling a home should not be linearly related to the cost of the house,
and especially should not be a fixed constant across the entire country
307 karma · joined March 4, 2024
simply put the cost of selling a home should not be linearly related to the cost of the house,
and especially should not be a fixed constant across the entire country
but for long time in the US you were "forced" to hire a real estate agent, if you wanted to get the market price.
Refer to the NAR settlement that pretty much admits to this.
https://www.realestatecommissionlitigation.com/
This is not to say that real estate agents cannot add value to a process; it is just that they were a cartel with anticompetitive practices.
The mandated and fixed 6% on each sale was and is ridiculous, when the median sell price is 400K in the US ... that is 24K commission
When NAR settled the price collusion charge? Thus cartel or not, times do change.
but then perhaps coding the entire thing with ChatGPT saved the company more than 10K, so they came out well ahead
or maybe tons of other bugs lurk that will cost the company well over 10K over the long run
On the other hand, I found that sometimes I run out of plastic bags when I need them at home.
In some situations, a plastic bag is super useful: store a wet paintbrush overnight, wrap something that needs to retain moisture, lock up some smelly stuff, etc.
In those cases, I go to a store that still has plastic bags, then buy some stuff there and generously pack them into plastic bags.
This reply blew my mind ... when you realize someone must have the exact opposite experience ...
of course I use the reusable bags,
they are in the trunk, and first step after pulling into the parking spot is to take these out the trunk and head into the store
in the last 5 years used only my reusable shopping bag every time except in a few cases when I forgot to put the bags back in the trunk for some reason (usually, I needed to transport bigger things)
Above, I am trying hard not to take sides in the issue; I am just pointing out the semantics.
Accusing someone of a heinous crime should NOT be described as "being critical".
With this title, the journalists at AP are doing everyone a disservice here.
They have to do both: raise the price and deteriorate the service on their march to a sustainable value/price ratio.
FWIW is not even a particularly expensive place in the US.
FWIW, today, at $12 per month, the service is trivially cheap and unsustainable. A coffee costs 5 bucks.
Complaining about price increases when a product is dirt cheap makes no sense. The price most people are willing to pay is much higher IMHO.
They don't own any of the music they resell.
They have no alternative supplier of the same products.
Lawmaker makes a trade; everyone copies them, and now the original purchase is even more attractive ...
that type of action does not scale
what will happen instead is that people will develop an immunity to these types of thumbnails and you will visit less - behaviors are the main driving mechanisms
it will be boring like exaggerated burlesque facial expressions in the early movies
When the gatcha concept is new, everyone is on board and seems like a golden goose, but who will do it again and again?
a generational amnesia is still 20 years ...
Trust works only when most actors are trustworthy.
Once you know the prices are jacked up just for "you", and once you know you are being "played," you behave differently and resist.
That is the point I am making, true value + gamification = price, but the gamification part is the quickest to do away with.
All these techniques, from gamification to behavioral mining, were developed in isolation - when only one actor maximized their profits.
Their results apply when most other actors don't pursue the same goals.
Once everyone starts to do it, I predict none will work and will be counterproductive on a larger scale.
A bit of a tragedy of commons.
I tuned out after reading about 40% ... there is no conclusive evidence presented, just one person's observations over their career ... then you get things like:
> The older I get, the more I understand what's been broken
well ... yeah, that's how it works
I have never had a problem that I would have traced back to gunicorn not working ...
On the other hand not having to run gunicorn as another separate service might be an advantage.
but wait that 4% is on top of the 10%,
the thing that matters is whether the income went up 10% before hitting the 4% inflation, only then would the 4% be a positive number.
the inflation does indeed slow when people run out of money, but that's not going to make put them in good mood
Why would anyone loan out trillions of dollars at 3% (that also includes the risk of default).
The same money in an index fund produces 7% over the long term
Even at a 7% rate mortgages appear to be be less liquid, more risky, and will underperform the market.
Mortgages exist probably only because the govt backs them (aka, taxpayers are on the hook) and allows banks to keep charging bogus paper filing fees on top of it. Banks offer mortgages to charge a 1K "origination" fee ... or whatever it is called.
Depending on which camp you are in, you have evidence that it works well or evidence that it does not. All it takes is a bit of selective memory.
Plus, if you don't find an effect, there is no paper to publish.
So, the proper correction factor is not just to account for the data in this study; scientists would also need to implicitly correct for all the other (unpublished) attempts by other scientists that found no effect.
It's a tricky business for sure and not one with a reasonable solution.
Hence I would not read too much into this study ...
Not all content - but (sadly) a seemingly increasing chunk of it.
> Every program attempts to expand until it can read mail. Those programs which cannot so expand are replaced by ones which can.
I think nowadays we can substitute email with chat/DM.
50, which is halfway between 0 and 100, so that, too, kind of makes sense.
My anecdotal observation is that there are more cheap phone plans now than, say, five years ago.
here is a counter-anecdotal evidence I moved to the US 25 years ago, still hate F with passion
I gave it a serious go. After trying to get used to F for 20-some years, I went back and set all my thermometers and online weather maps to Celsius.
Farenheit is an absurdly bad scale choice. It is needlessly granular for everyday use and feels wholly arbitrary.
32 degrees is freezing, so how far is 19 F from freezing? 32-19 ... ummm 13 degrees and that is as far as 32+19 ... ummm 51 degrees ... what are we talking about? -10 and +10 Celsius ...
I still don't know if 120F would burn my hands or not, if 150 F scalds or not. I have no sense about temperatures above 100F (and that one only because it is a threshold for fever)
"Always putting women in the driver’s seat—not to put men down—but to actually recalibrate the way we all treat each other.”