Recruiting forum off topic thread (no politics, covid, or hot button issues)

Wow, 9.1% inflation! Hope none of you are hoping to get a mortgage in the next few months, because rates are about to go through the roof.
Unfortunately I'm living it. We are in the process of relocating from Texas to Ohio, trying to sell our home and buy a new one. For every 1% increase in the interest rate you loose $50,000 in buying power. Our current interest rate is 3.375%.
 
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Unfortunately I'm living it. We are in the process of relocating from Texas to Ohio, trying to sell our home and buy a new one. For every 1% increase in the interest rate you loose $50,000 in buying power. Our current interest rate is 3.375%.
This can be yours, starting at just $50k.

https://www.boxabl.com/

Honestly, if I were retired and didn't have a big family, something like this would be just fine with me.
 
Wow, 9.1% inflation! Hope none of you are hoping to get a mortgage in the next few months, because rates are about to go through the roof.
They have to raise the rates. Its a good way to get the inflation in check.
 
Unfortunately I'm living it. We are in the process of relocating from Texas to Ohio, trying to sell our home and buy a new one. For every 1% increase in the interest rate you loose $50,000 in buying power. Our current interest rate is 3.375%.
That's insane about the buying power. They're saying the Fed might even hike 100 basis points, which would be insane. Even if the more likely 75 hike happens, mortgage rates are going to go so much higher. You better lock in a rate quickly!
 
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They have to raise the rates. Its a good way to get the inflation in check.
Eh, I'm not convinced this inflation is 100% caused by an overheated economy, which is what rate hikes fix. Supply chain issues and companies taking advantage of expected inflation are a much bigger part of inflation than any time in the past, and raising rates under those circumstances will only fix inflation by plunging us into a horrible recession. Usually inflation is due mostly to the economy running too hot, but the rate hikes they already made have probably addressed most of that part of the equation. Raising rates more now will just fix inflation by plunging us into a recession, which is not ideal. I think the Fed is being lazy and just using the same tool they've always used to curb inflation without diving into what's actually causing the inflation in this specific situation. When PepsiCo is posting huge profits despite alleged "rising costs," you know at least part of the inflation isn't due to an overheated economy.
 
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Eh, I'm not convinced this inflation is 100% caused by an overheated economy, which is what rate hikes fix. Supply chain issues and companies taking advantage of expected inflation are a much bigger part of inflation than any time in the past, and raising rates under those circumstances will only fix inflation by plunging us into a horrible recession. Usually inflation is due mostly to the economy running too hot, but the rate hikes they already made have probably addressed most of that part of the equation. Raising rates more now will just fix inflation by plunging us into a recession, which is not ideal. I think the Fed is being lazy and just using the same tool they've always used to curb inflation without diving into what's actually causing the inflation in this specific situation. When PepsiCo is posting huge profits despite alleged "rising costs," you know at least part of the inflation isn't due to an overheated economy.

Probably doesn't have anything to do with trying to push profit on homes or anything...

Redfin
Institutional investors purchased nearly 20% of all U.S. homes for sale in the last three months of 2021, turning most into rentals. Now, some state and local officials want to slow the trend, worried it is boxing residents out of homeownership.
 
Unfortunately I'm living it. We are in the process of relocating from Texas to Ohio, trying to sell our home and buy a new one. For every 1% increase in the interest rate you loose $50,000 in buying power. Our current interest rate is 3.375%.
That means prices will have to go down
 
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That means prices will have to go down
Well I wanted prices to stay where they are until I sell. We're down sizing, because we're empty nesters. Prior to the interest rate change we were going to have enough to pay off our kids school loans and have enough for 20% on a new house. It's a vicious circle.
However 5% to 6% is not a horrible interest rate. We have been lucky to have extremely low rates. Like I stated my current rate is 3.375%. All in all, we'll be fine.
 
I've studied evolutionary biology more than the average person, and I still can't fathom how anyone could think that kind of evolution could happen without some nudging from an intelligent being. Not to get all religious, but the amount of luck needed to arrive where we are just by random chance is so astronomical (no pun intended), that if that's really how it happened with no outside intervention, I'd say the odds are better that there is NO intelligent life elsewhere, no matter how many suitable planets exist in the universe. Trillions times trillions to 1 odds that even a few of the mutations and ecological/astronomical circumstances that would be needed to go from nothing to life as we know it would happen by chance, then we expect billions of those mutations and circumstances to keep happening? It's crazy to me, can't wrap my head around those odds happening even once, let alone more than once.

I follow your logic till you get to "life as we know it." Can you not grasp the concept that there could be billions of ways for life to happen and what we consider "life" is as narrow as we make it.

Also another point of contention now that I think about it. If there was nudging from an intelligent being to create life on this one tiny speck of a planet, would that same intelligent life not start life on another tiny speck also? Logic would lead us to believe that to be the case.
 
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Also another point of contention now that I think about it. If there was nudging from an intelligent being to create life on this one tiny speck of a planet, would that same intelligent life not start life on another tiny speck also? Logic would lead us to believe that to be the case.
"Infinite regress"

The logical loop no human mind can escape. And don't fall too deep into it or your head will hurt

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Wow, 9.1% inflation! Hope none of you are hoping to get a mortgage in the next few months, because rates are about to go through the roof.
I'm glad me and my wife both have recession proof jobs. Heck, if enough people lose their jobs, and then their cars, I may get more hours..šŸ¤·ā€ā™‚ļø
 
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It's funny, you read about the cost of getting by today and the fact that we have a telescope that just viewed light produced over 4 million years ago. We are mere specs in time but are we? When that time comes and we close out eyes does all of our hope dreams and experiences just stop, like turning off a light, I would like to think not. Maybe we will start a new on some other planet or plane, who knows.

As far as getting by, all of us over 50 have seen this before in the late 70's and early 80's. One side wants to go all in on the hope of making 0 pollution by next week and the other side says we can't have nice things unless you let me pollute everything.....they are both wrong. Total Solar, Wind energy along with total electric cars is a pipe dream that want happen for decades if ever. China alone produces twice as much pollution as the US and we produce roughly 15% of the worlds carbon emissions, The China's and India's of the world could care less about your air so we need not forget that.

I know I am rambling as usual but the easiest way i know of to describe politicians and I mean BOTH parties is this. : If a man is 100 ft. off shore in the Ocean and he is drowning a Conservative will throw him 50 ft of rope and tell him to swim to it, while a Liberal with throw him 200 ft. of rope and let go of their end, The moral to this is if you depend on either side to help you , like the man in the Ocean .....you drown.

We all just need to get on the same page, the ones we have all been scribbling on are about full . Time for my SKITTLES.........carry on.
 
With an estimated 100,000,000,000,000,000,000,000,000 planets within reach of a star and just as many starless planets...then possibly multiple moons per planet...I'd say the odds are certainly in the favor of many many intelligent lifeforms.

But given the physics, vastness of the universe, and limited time species tend to exist before extinction, it seems unlikely imo various lifeforms will ever reach one another unless we crack wormholes/bending space-time. Otherwise the best we can optimistically hope for is non-biological sentient robots or nanobots reaching us. They are much better prepared for deep space travel requiring possibly millions, if not billions, of years.
Thanks for the breakdown Stephen, i'd always postulated if robots or machines would reach far outer space before humans, but, fortunately now I know.
 
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Thanks for the breakdown Stephen, i'd always postulated if robots or machines would reach far outer space before humans, but, fortunately now I know.

If youā€™re any kind of reader, Bobiverse is a good sci-fi book series that covers this and other related space travel topics.
 
No one knows who you are and idk wtf youā€™re even talking about me. Also your likes to post ratio doesnā€™t support you taking this tone with me.
Please explain what entitlements come with like to post ratio? Iā€™ve been hanging around here for 10 years and have never known about this?
 

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