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Joined 2 years ago
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Cake day: June 24th, 2023

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  • It’s a scam that you’re forced to pay homeowner taxes on a home that the bank actually owns.

    And, they force you to pay mortgage insurance (against yourself) if for some reason you can’t pay your mortgage. In the event you can’t pay, they make you leave the house AND reap the benefits of the insurance claim. I’m sorry, if the bank wants to bet against you that’s one thing, but forcing you to pay the bill to bet against yourself is massively unfair.

    It’s entirely possible that you could be unable to afford the mortgage payment because of the additional costs of the extra insurance they force you to pay, to insure them against you not being able to pay. Think about that.

    This is entirely separate from homeowners insurance, which is a whole other scam they force you to pay.

    There should be a law to force mortgage lenders to disclose the full price of the loan at the time you take the loan. For example, if a home is $200k, a typical 30-year mortgage for that home will have you paying something like $450k by the time you finish paying it off. This should be shown to the buyer at the time you take the loan.







  • I recently started debating with myself why we don’t consider artificial intelligence genuine life. I begin with the most broad truth and work towards narrowing it down to get the most specific, essential truth.

    So far, I believe that the fact we have emotion is probably the single biggest determining factor in whether we are truly alive, or other words, really a form of life… More specifically, intelligent life.

    Can anyone build on this? Maybe try to find a slightly narrower definition of why we believe we are alive and AI isn’t?.. And what about humans born without any functional emotions whatsoever, ie severe cases of sociopaths, psychopaths, etc. Does that mean they’re not?