Ok, your loan has been determined to be higher risk therefore you have to pay more. Why did we need to invent a second payment called PMI instead of just charging a higher rate to higher risk borrowers? Why do interest rates need to remain “reasonable” ?
- 0 Posts
- 34 Comments
piconaut@sh.itjust.worksto
Ask Science@lemmy.world•In science lectures and podcasts, I hear the terms "trivial" and "naive" used often, with no explanation as to what they mean specifically by that. What do they mean by "trivial" and "naive"?English
15·4 months agoNaïve can also mean research subjects or animals before or without exposure to some operation or treatment.
piconaut@sh.itjust.worksto
Comics@lemmy.blahaj.zone•Bird sounds (Rosemary Mosco)English
6·4 months agoSandhill Crane: UGKHGKGKGKHKHGKG
piconaut@sh.itjust.worksto
Bicycling@lemmy.world•Ben Healys Strava for the 6th stage of the Tour de FranceEnglish
1·5 months agoIs that like 27mph average for 4 and a half hours? Don’t tell me this is also a stage with mountains.
piconaut@sh.itjust.worksto
LinkedinLunatics@sh.itjust.works•If you don’t want to be poor you should simply become richEnglish
3·5 months agoHappy to help. I hate plausible bullshit posts like the OP. I’m sure I get tricked into believing things like this all the time without even realizing it. For anyone wanting to backtest similar investing ideas https://valueinvesting.io/backtest-portfolio is a pretty good tool.
piconaut@sh.itjust.worksto
LinkedinLunatics@sh.itjust.works•If you don’t want to be poor you should simply become richEnglish
10·5 months agoAccording to my calculation (which is probably wrong) you would actually have approximately 3.8 million today not 25. The .com bubble would have caused a 93% drawdown.
piconaut@sh.itjust.worksto
People Twitter@sh.itjust.works•Grok, even in its manipulated state, continues to emphasize the facts. And that's hurting the feelings of a lot of Twitter users.English
4·5 months agoThis page looks like it has some reports similar to what you’re describing. Especially “NOAA’S CONTRIBUTION TO THE ECONOMY”. If that’s not it, let me know and I’ll keep looking.
It’s not my fault. All the servers hosting papers name them like this. Go complain to them. No seriously, go complain to them. This has annoyed me for quite some time.
piconaut@sh.itjust.worksto
Showerthoughts@lemmy.world•If a sandwich is defined as any food item between two pieces of bread, then a layer cake is a type of sandwich.English
10·5 months agoThe authors of salad theory actually discuss their objections to cube rule.
The cuberule theory is amusing, but tragically inconsistent. It also performs poorly against Occam’s razor (it has eight rules for categorizing food into different sections). The choice of a cube as opposed to other geometric shapes appears to be entirely arbitrary. Each category both omits common foods colloquially considered to be members of it, while including many foods that colloquially are not in it.
Cuberule food categories are extremely unstable. While amusing, we find it particularly objectionable that merely slicing or biting into a food changes its nature according to cuberule (a calzone is a calzone, but a calzone with a bite taken out of it is a bread bowl). The same applies to a burrito (calzone when fully folded, bread bowl when bitten into). Notably, a burrito with a significant quantity of carbs mixed in on the interior (e.g. burritos often contain rice) would actually be categorized as toast, which is peculiar.
By category:
- Salad: Correctly includes a fruit salad, but would omit a caesar salad because of the croutons. It also includes things like steak.
- Toast: correctly includes foods that are called toast. It also includes a bunch of things people don’t normally think of as to toast, like pizza and nigiri sushi.
- Sandwich: Correctly includes most sandwiches, but not all. It excludes sub sandwiches where the bread is connected on one side (e.g., like a sandwich you’d pick up from subway). It also would include some peculiar foods, like a single layer of lasagna.
- Taco: This correctly includes tacos, but questionably includes things like slices of pie.
- Sushi: This category includes maki sushi, but excludes nigiri and sashimi. It also includes an unclosed burrito and a taquito.
- Soup/Salad w/ Bread Bowl: This section includes breadbowls unless they have any rice etc in them in which case they’re toast.
- Calzone: This section includes calzones, jelly-filled donuts, and other such baked goods, as long as you don’t cut or bite into them.
- Cake: This section includes foods that have layers of starch, such as a hamburger.
Our position is that unintuitive inclusions are acceptable so long as there are no unintuitive exclusions. But when you have both, it’s solid evidence that your rule is wrong.
piconaut@sh.itjust.worksto
Television@piefed.social•"Underrated" '80s-set drama Halth and Catch Fire hailed "10 out of 10" by viewers is free to stream now on ITVX for British viewers.English
3·5 months agoI remember there was a reasonable amount of hype for this when it came out. I really enjoyed the first few episodes but it seemed to get silly with the drama after a bit with stuff like “omg, this character cheated on someone”, “this character suddenly has a terminal illness” etc.
Philly? This place was great but I think it closed in 2020.
piconaut@sh.itjust.worksto
Ask Lemmy@lemmy.world•Food service workers, what's the strangest kitchen request you ever saw someone order?English
6·6 months agoYou can watch this man go insane trying to make a “piña colada, extra creamy”
piconaut@sh.itjust.worksto
Ask Lemmy@lemmy.world•What is the oldest thing you own that you still use daily?English
14·6 months agoA Kenwood amplifier made in Japan in the 80s.
2007 Toyota Corolla.
Osprey backpack I bought about 12yr ago.







I’m a creeeeeepe, I’m a Myrtle