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Flair_Helper t1_jegly6r wrote

Reply to Calling all iPhone Notes app users! by EriBerry6

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VisualMod t1_jegly0p wrote

Reply to Honestly, who the fuck is Bearish right now? by Rocketeer006

>The people who don't understand this are the poor and uneducated. They're the ones who will be selling or shorting anything right now, because they don't know any better. Papa Powell and Mistress Yellen have our backs, but the poor fools don't realize it. Inflation is just a rounding error away from being at our 2% goal, so it's only a matter of time before we discover that Quantitative Tightening was just a figment of our imaginations. And yet the WSB Crashbois are still beating their heavily regarded drums. This is investment advice: buy low and sell high.

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Creepy_Helicopter223 t1_jegly3h wrote

Reply to Could CHAT GPT be built into NPCs in video games? Imagine no more dialogue choices & just speaking to NPCs. by Platybear_OG

It’s already being done and a ton of companies are offering it as a service.

Main thing is the development cycle. Large games can take 5+ years. So to see something at this level of ai for a large scale game maybe 5 years. But you will already be seeing them in small and indie games. Additionally the transformer and chat gtp have already been out a wild(we are on version 4) so it probably won’t take 5+ years.

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ToriWithTheCape t1_jeglxmz wrote

Reply to Movies with beautiful visuals and music? by SnacksAndThings

Watch Garden of Words, an anime movie that takes place in the most beautiful park ever — shinjuku gyooen in Tokyo.

For live action, Good Time with Robert Pattinson is a fast paced and visually pleasing movie. Very dramatic lighting and lots of action

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VisualMod t1_jeglxb6 wrote

Reply to Honestly, who the fuck is Bearish right now? by Rocketeer006

User Report
Total Submissions 2 First Seen In WSB 2 years ago
Total Comments 748 Previous Best DD
Account Age 8 years [^scan ^comment ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_comment&message=Replace%20this%20text%20with%20a%20comment%20ID%20(which%20looks%20like%20h26cq3k)%20to%20have%20the%20bot%20scan%20your%20comment%20and%20correct%20your%20first%20seen%20date.) [^scan ^submission ](https://www.reddit.com/message/compose/?to=VisualMod&subject=scan_submission&message=Replace%20this%20text%20with%20a%20submission%20ID%20(which%20looks%20like%20h26cq3k)%20to%20have%20the%20bot%20scan%20your%20submission%20and%20correct%20your%20first%20seen%20date.)
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bluntdogcamelboy t1_jeglx7i wrote

Reply to comment by MuffinRelevant5145 in for those who had nothing how did you proved everyone who doubted you wrong? by BlackSea007

Fuck off bot

all these accounts that have generated usernames, were made in January of 2023 and just started posting 7 days ago are bots. And theres A LOT of them, at least one on almost every AskReddit post, but they're easy to spot and their comments are super generic

https://www.reddit.com/u/Numerous_Sun_4274?utm_medium=android_app&utm_source=share

https://www.reddit.com/u/Happy_Set_9005?utm_medium=android_app&utm_source=share

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https://www.reddit.com/u/Born-Plant-8723?utm_medium=android_app&utm_source=share

https://www.reddit.com/u/Otherwise_Dot4733?utm_medium=android_app&utm_source=share

https://www.reddit.com/u/ScaleFew1793?utm_medium=android_app&utm_source=share

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Exotic-Art-2687 t1_jeglwzu wrote

Reply to comment by No-Cartographer7427 in Paying off car loan in full vs. paying off student loans in full vs. downpayment on property by nearlymind

It makes no sense to pay down a car loan at 2.5% when you can make 4% (likely 3% after taxes) risk free in a HYSA or up to 5% risk free with slightly more hassle through CDs, money market accounts, or bonds.

It makes even less sense to pay down that car loan when they have student debt that is not dischargeable in bankruptcy and will soon be at 4.5% interest.

It makes even less sense again if they will soon be buying a house that will likely come with a mortgage interest rate of ~6%, plus potential PMI if their down payment is not large enough.

They're better off saving money in a HYSA now and using it toward their house downpayment when that comes. If interest rates decrease (so the HYSA is earning less and the mortgage rate is lower), they can always put the saved cash toward the car (or potentially preferably the student loans depending on what happens with payment pause/forgiveness) and come out ahead of where they'd be if they put the money toward the loans now.

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