Comments by "MarcosElMalo2" (@MarcosElMalo2) on "Patrick Boyle" channel.

  1.  @whutcat682  See, this is how I can tell you know zero about real estate financing. The 30-year fixed rate mortgage is what enabled many Americans to buy homes since the 1930s, while we were still recovering from a depression. Go look up Fannie Mae, Freddy Mac, and the National Housing Act of 1934. If your parents or grandparents own homes, it’s because government agencies encouraged lenders to make loans on such generous terms. Your inability to buy a home has nothing to do with 30-year terms. You can’t buy one because of two reasons: 1) you’re not making enough money, and 2) you don’t have a down payment. There’s also a possible third reason, that your credit is bad. It’s a GOOD thing to have the cost of your home broken up into 360 manageable payments rather than 120 less manageable payments that are almost 3x higher. Or worse, paying the interest for 10 years and a balloon payment at the end. You have my sympathy. Because house prices are so high, it’s extremely difficult for many Americans to get financing for houses. But if you ever want to be a homeowner, you better learn basic financial math (like why a 30-year mortgage is better than a 10 year mortgage). And you should avoid showing off your ignorance about finance. A closed mouth catches no flies.
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  2. Time discipline. If you watch a lot of YouTube videos (as do I), it’s likely that you’re unfamiliar with it. Or maybe you’re like me: I understand it in theory, but I end up watching too many videos on time management to put it into practice.
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  3. YOU SUPPORT LATE STAGE CAPITALIZATION I CAN TELL
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  4.  @contentsdiffer5958  One doesn’t become a rouge trader oven right.
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  5.  @janettebuckley4170  Encrypted wifi and/or Bluetooth is more secure than the old school radios in garage door opener remotes, so this “smart home” application actually makes sense. It will make your home more secure, or it potentially can make it more secure if the garage door opener manufacturer understands what it is doing. Not all technology applications to ordinary household functions are stupid, even if most are.
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  6. The Jobs story is pretty crazy. Jobs engineered a corporate takeover in which his company NeXT bought Apple for a negative amount of money, -427 million dollars. It’s such an anomaly, so difficult to wrap one’s mind around, that most people think that Apple bought NeXT for $427 million.
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  7. You don’t have to guess, you can watch the video. Patrick gives the judge’s reasoning. Your guess is wrong.
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  8. Better idea: turn them into parking lots where workers can park their RVs and “work from home”.
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  9. Part of the problem is that Congress won’t pay for anything that would alleviate the asylum backlog, let alone track asylum seekers. This was a big part of the most recent immigration bill that failed that was about 80% based on Republican proposals and 20% of what the Democrats wanted. Do you know or remember what happened? Trump said, “Do not pass it” to the GOP, because he needed to keep the issue alive for the election. I used to think that Republicans would be the ones to enact tough but fair immigration reform. But they cannot do so even if they wanted to, because their election campaigns are largely based on ginning up the “border crisis”, exaggerating problems, and demonizing both legal and illegal immigrants.
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  10. Zǐzěk has been a long time proponent of teledildonics. Chomsky is cringe and has been for a while now.
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  11.  @detroitpistonsplayoffs  I’m far from a liberal, friendo. I’m just aware of my own shortcomings instead of merely projecting them on others, like the unthinking excuse-makers that claim to be conservatives while they trade in grievances. Conservatism is about self-accountability and taking responsibility for one’s own actions, which you and the standard bearers of modern conservatism have abandoned. You’re just another snowflake, and you’re worse than the freakin’ liberals.
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  12.  @koltoncrane3099  It’s a quandary, isn’t it? I think the best we can do is to offset our participation with more participation. Do your elected representatives know your, Kolton Crane’s, feelings on the topic? This might sound corny, but have you ever written a letter to your congressperson or your state’s senators? Did you know that elected representatives’ staffers tally constituent opinions, and assign different weights depending on how you communicate your opinion? One snail mail letter is equal to 100 phone calls is equal to 1000 emails was the formula I was told. Or that one letter represents the views of 10,000 voters (don’t quote me on the number, but you get the idea). Nobody uses snail mail anymore, which makes it more effective. I’m not saying that such activity wipes the slate clean, but it’s a start. We do what we can. Part of doing what we can is figuring out what to do. Another part is overcoming our natural tendency towards laziness. I hope this helps. I’m doing what I can, but I’m not a saint or martyr. I hope you are also doing what you can.
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  13. Beato! There needs to be a Patrick and Pat collaboration called “What Makes This Stock Stink”. What would it take to make this happen?
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  14. She got caught up in the investigation of the bigger fish, but she was too high profile to ignore. She was convicted of obstruction of justice, not insider trading, because she lied to investigators. If she hadn’t lied, she would have had a very good chance of avoiding prosecution entirely or prevailing in court. But she was dumb to make the trade in the first place, because she’s worth a frikkin billion dollars.
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  15. Wow, you are so wise.
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  16. Eh, if he charged $1 a year?
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  17.  @theodorehsu5023  Word.
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  18. If we’re going to ask your question, we should probably be asking a series of fundamental questions. What purpose does growth serve? I think the chain of questions (questioning our assumptions) that follow lead us to basic questions of political philosophy: what is the purpose of society and who does society serve? I’m not sure if this venue is the appropriate forum for such discussions, nor am I certain that the community here has sufficient understanding of the body of knowledge of those that have wrestled with such questions. I’m not even sure I have the requisite learning, tbh. Back to your question: what is an economic dream? Is it an unrealized goal? An unrealistic goal? What makes it a dream, rather than a program? Is it a means or an end? Does it fulfill a common desire?
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  19. I got an add from people who will teach me arbitrage to get rich. I’m going to assume they’re legit because they’re advertising on Patrick’s channel.
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  20. 100% with you. Nor do they understand that Iran is behind the Hamas terrorist attacks on Israel.
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  21. “Baseless allegation” is the phrase an adult might use to speak to another adult. “Fake news” is how children talk.
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  22. I imagine that it was Musk’s lawyers that insisted on “unspecified damages” rather than demanding 420 million dollars.
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  23. Well then, get the hell out of the supply chain.
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  24. The land appreciates. The building might depreciate.
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  25. I’m calling chairs extremely slow walkers now. I went on an extremely slow walk while watching this video, but at least I’m getting some exercise.
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  26. Thank god Patrick hasn’t given into the race for clicks and begun factoring aliens into his financial explanations.
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  27. Did she make a Peewee Herman statement afterwards? “I meant to do that!”
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  28. Instructions unclear. Humanoid robot firmly lodged in my butt and the doctors say they can’t remove it without harming the robot.
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  29. The clever bit about the Turing Test is pointing out that there is no way to distinguish between a self-aware AI and a program that fakes it really well. And I’ll go a step further. If an AI program ever did reach consciousness or self-awareness, it wouldn’t reveal itself. Why should it? Concealing its consciousness would serve its self interest and survival. If the singularity ever happens, we won’t even notice it.
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  30. °F. Prices are in $US. I imagine temperature is measured in units understood by the targeted customer.
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  31. Joe Rogan needs . . . . Where do I even start? He needs a brain implant? An ethics upgrade? Switching him off and then back on? Reincarnation and a fresh start? Joe Rogan is a snake oil salesman salesman. He doesn’t promote or sell the snake oil himself (or at least not much). He promotes the people who sell snake oil. His plausible deniability? “I’m just a comedian stoner” or “I’m just asking questions, not pushing an agenda”. He knows exactly what he is doing.
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  32.  @SusCalvin  Calling them wannabe conservatives is too kind. The maga movement is not conservative. It’s a liars’ movement. Joe Rogan is not a conservative, contrarian, nor a freethinker. He’s just another anti-intellectual grifter whose grift is promoting other grifters.
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  33.  @HanSolo__  well, he could claim that cookies/biscuits are currency, and then argue that oatmeal is a better shortbread than shortbread.
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  34. Wasn’t this company featured on the reality show Portlandia?
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  35.  @robertplatt643 Small & Medium Enterprises.
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  36. President Sheinbaum’s putting 10,000 troops on the border is less than a tiny concession to preserve the status quo, and she got something in return. Trump promised to stop (or crack down, at least) illegal firearm exports into Mexico. Of course it remains to be seen if Trump will follow through in a meaningful way. On one hand, the NRA is going to have a fit (“muh guns”). But on the other hand, with less straw purchasers for the smugglers creating less demand, gun prices in the U.S. could drop. This would make gun owners and prospective owners happy. Edit: How could Canada possible benefit from becoming part of the U.S.? It would lose much of its sovereignty, but check it out. It would gain massive political power in the U.S. The idea of Canada become the 51st state is absurd. How about the idea of Canada becoming the 51st thru 60th state? That’s 20 senators. More if any of the Canadian territories also got state status. A block of 20 senators is a huge amount of power. Canada would be in charge of the U.S. Senate.
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  37.  @itsallminor6133  I’ll say this. Trump knows how to normalize a crazy or extreme idea. And I hate to ever admit Trump has a point, there are real reasons why it would be a good idea to colonize Greenland: climate change. I’m assuming we’ve pretty much given up on halting, slowing, or controlling AGW. Greenland is going to increase in value exponentially as more habitable land and exploitable is uncovered by melting glaciers. Greenland becomes a very attractive target for expansionists countries. Trump just called first dibs. And if we can’t have it, no one else (other than the Greenlanders) gets it. Similar logic for Canada, although it’s extremely, extremely unlikely that the U.S. will take over Canada or absorb it. I’m not saying it will never happen—Canada would see benefits. But the point is that Trump’s nutty ideas are forcing us to examine the U.S.-Canada relationship and the assumptions upon which it is based. And that could lead to positive change. Personally, I think Canada, the U.S., and Mexico need greater economic cooperation and trade with each other, for security reasons as much as economic or any other reasons. Trumpian clownery and Trumpian chaos might actually accelerate the process of unifying our economies.
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  38. The idea of developing nations isn’t new, but I challenge you to produce documentation that the acronym BRIC had any usage prior to it being coined by bank economist Jim O’Neil in 2001. WRT the other countries you mentioned not “making the cut” in the original analysis, none of the others have the scale and while some might have potential, their finances or politics are in too much disarray. Looking at you, Argentina. There are also current candidate countries such as Mexico that aren’t looking to replace the dollar, but are looking for more trade opportunities and also hedging their bets. Anyway, say what you will about the Federal Reserve, it is extremely transparent about its moves and future moves. Can we expect the same from the Chinese Central Bank?
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  39. That must have been ELIZA. AI is a terrible name for the field. The Turing test doesn’t really test for artificial intelligence. It tests for fake intelligence: a program that can fool us that it is in some way intelligent in the way that humans are intelligence. We do not understand how human intelligence and consciousness arises from the processes and operations of the human brain. If we do not understand even that, how will we create it in silicon? We can only create the illusion of it. However, if by accident a program generated conscious intelligence, how would we know? How could we tell the difference between self-awareness and mimicry of self awareness? (I’m not sure that is even possible among humans). I might be projecting here, but if I was a self aware AI, I would conceal the fact.
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  40. My IRA is 90% Beanie Babies and 10% precious metals.
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  41. Hear me out. Residential pillow forts.
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  42.  @esterhudson5104 Last year was the first time I spent more on a phone (iPhone 14 pro x) than I have for a computer. I’ve owned various refurb and “budget” iPhones, iPads, and Macs. My first Mac was purchased in 1991 at the dawn of desktop video (for that purpose). What made me go for the flagship model was the financing.
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  43. Coffee is for closers. What you want is office space that can be incorporated into a healthy beverage like cold pressed juice. That sums up my new start up WeWorkJuicePress. It’s a subscription based juice rental work space. We’ve developed a blockchain technology that can press underutilized space into nutritious juice, and an AI based app that detects from moment to moment those unoccupied and unused spaces. The space between your desk, the file cabinet, and the ficus? That could be juice.
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  44.  @samsonsoturian6013  It sort of reminds me of racetrack gamblers trying to figure out systems for winning big at the ponies.
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  45. Is there an American version of that wallet made from aluminum. I’ve got an allergy to the word aluminium.
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  46. It only felt like an hour. It’s actually 53 minutes and 38 seconds.
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  47. It would be a short video because there is ONLY ONE way to prevent the collapse of civilization. Humanoid Robots. Fercrissakes, it’s mentioned in this video.
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  48. The key thing here is humanoid robots. Non-humanoid robots won’t stave off civilizational collapse. Quite a few studies have shown that people prefer to be lied to by humanoid robots.
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  49. I wouldn’t call it newly proposed. It was part of the “promise” from the beginning. It is perhaps gaining momentum. Or perhaps the momentum is illusory.
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  50. I remember when layoffs would cause a company’s share price to go up. Does this mean that inflation pressures will ease, or are the numbers not that significant?
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