The server for this product is Microsofts cloud, so there is no server cost, you’re just bought into their ecosystem and maybe a slightly higher subscription cost.

It also means little to no hardware maintenance and streamlined IT processes.

I’m bot saying it’s my kind of approach, but there are definitely a lot of companies that could benefit (given most people are really just using a browser and maybe some word/PowerPoint software).

I mean technically you own the house and the bank owns your loan (with house as collateral), but I do get your point about taxes. However, if the bank had to pay the taxes, they’d just wind up incorporated into the loan. And if the bank actually owned the home, you’d need their approval for any changes.

As for mortgage insurance, you can avoid that with a large enough down payment (20%).

As for the full cost of the loan, I thought that is part of the standard paperwork? If not, sounds like you might have had a bad realtor. You can also look up that info online with any mortgage calculator.

I mean by that point they had made so many other stupid decisions, I think it was just in character for them to do that.

Another hard hitter was “Game of Tones”. It’s in the seventh season, so a bit later on. But the mom/son relationship hits hard.

Gifs are actually really inefficient. It’s largely a legacy format issue, but Gifs store every frame as it’s own image while mp4s (in simple terms) store the delta between frames.

This link sorta talks about it - https://medium.com/@trongawesome/gif-vs-video-9b9392ec5814

This article and thread are talking about border agents, which operate under different rules/regulations than you local police officer.

While US citizens cannot be denied entry, non-citizens can if they refuse to unlock their phone. Even US citizens can have devices confiscated if you refuse to unlock the phone for them - https://www.theverge.com/policy/634264/customs-border-protection-search-phone-airport-rights. Because at the border, it’s been decided searches don’t require a warrant.

I’ve seen this a lot recently. This isn’t about what police can do, it’s about border crossings. You can be required to unlock your device when entering the country or be denied entry (or possibly worse).

The best route is to have a phone specifically for travel.

Tunic is just a great game hands down. I think it’s in my top 5.

Also really cool game to watch speed runs, becuase there are a lot of tricks you learn throughout your first gameplay that aren’t actually locked behind anything, just knowledge. A bit like “Outer Wilds” in that regard.

Can they start making happier prophecies then?

There are definitely people out there playing the CS2 market.

Eve online is a game I know deals with some real economics - https://www.playerauctions.com/market-price-tracker/eve/

It’s hard to tell with the graph, but the big drop off seems to be around 2016/Trump.

My take from the article - not good or bad.

Researchers and conservationists used to see them as two herds, but seems more likely it’s one big herd with interbreeding. For most people that doesn’t matter, but for those concerned about the genetic diversity of the heard it may impact how they support the bisons.

“OH no, we accidentally deployed ads to your car using a system that took months to develop, how could that have ever happened”

Yeah, I was calling out savings accounts cause that’s what I imagine most people are talking about when mentioning compound interest. The video is talking about the false promise of compound interest and I wanted to call out the real reason it doesn’t work.

As for the standard 2-3% inflation the fed targets. I wasn’t saying it was bad, just that it means that you loose value if your money isn’t growing. I can’t say I studied economic theory far enough to have a meaningful stance on if that’s good or bad.

That’s the thing, interest rates are almost always less than inflation. The only reason they flip is because inflation needs to be brought down.

The reason for this is that the government/economic model is designed to encourage spending. Holding money is effectively lost “opportunity” so the real value of the dollar is always pushed down.

No amount of time will make you wealthy through compound interest with the current economic system.

While your money does grow in a savings account, the rate of growth is lower than the economy or real value of the money.

Just think about what a million dollars could have bought you in the 80s vs 00s vs now.

This doesn’t need to be a 20 minute video.

While money in a bank does technically grow exponentially, the real value (what you can buy with that money) of the account grows slower than the economy.

Meaning each year you can actually buy less with the money you keep in a bank account. This is why retirement accounts are typically tied to the stock market, to try to tie their growth more to the economy.

While the amount of debt has been ever growing, it hasn’t relative to GDP. When it has grown, it’s grown primarily due to policies from Bush and Trump. Both of these president’s also passed massive tax breaks which is a significant contributing factor to the national debt.

At the end of the day, the national debt only matters if we can’t pay it. All the cuts being made to federal spending right now are more significant because they will slow down the economy and cause reverberations for years to come (public research and investment are multipliers for the economy in many ways).

As you call out, we should be taxing billionaires, which points to the larger economic concern right now for America - economic disparity.

You’ve really bought into the propaganda there, besides Clinton our national debt has always been the “highest” every year. The most important factor is foreign vs domestically held debt, and that ratio hasn’t changed for the worse.

Obviously we have some spending concerns, but financially that’s not the primary concern for the US right now (and we wouldn’t be talking tax cuts if it was).

They should just call them import or sales taxes, the average person doesn’t get tariffs.