I have never sold anything. But as a cheapskate when it comes to online subscriptions I think my input might hold some value.
The way I get drawn in is by first trying the product for free. If your product doesn't have a free tier or free trial then I recommend you creating it.
And then there is the 'slanted' conversion where you refinance from a fixed mortgage to a variable mortgage. Or vice versa.
In all cases it depends on your situation. How many years are left on the loan. Have your disposable income changed such that you can pay off more in which do you want to change the loean from a 30 year loan to 10 year loean instead.
Well. First of. Maybe you didn't have the money at that particular time. In Denmark every single mortage has a matching bond.
I'll try to explain it as well as I can.
When you make a mortgage loan you can have either a fixed rate or variable rate. Depending on which you choose the exchange-rate differs. It hovers around 100. When you make a loan you would want that to be 100 or more. For example if the exchange-rate was 101 you would receive 101 kroners for every 100 kroner you loan. A dream scenario. But more realistically it is probably closer to 99.
Mortgages is a boring thing. But extremely interesting when it comes to your own loan. The key to take away here is the following:
When the mortgage rates are high the bonds are less valuable.
When the mortgage rates are low the bonds are more valuable.
Now let's take an example. I take 1.000.000 DKK loan for a house at an exchange-rate of 100.00DKK. Meaning I now owe the mortgage institute 1.000.000 DKK.
The mortgage security bond for my house is still 100.00 DKK at this time. Meaning if I want to payout my loan. I have to pay 100.00 DKK to pay off 100.00DK. But for if the rates are high then the exchange-rate might be 95. In which case I can then go down to the bank and say 'I want out of my loan'. The bank will then say 'Okay. You still owe the mortgage institution 1.000.000 and since the exchange-rate is 95 right now. You then have to pay 950.000 plus some fees'. The bank will then buy the underlying bond for me and handle the rest.
In general we have many options when it comes to mortgages. It all involves refinancing:
* If the rate falls you can do a down conversion. You replace your old loan with a new one with lower rate. You might have to pay more to payout the loan since the exchange-rate will certainly be higher.
* If the rate falls you can do an up conversion. Similar to the example before. But this time you replace the loan. You get a higher rate, but you might "pay off" a significant amount.
Like all the other AI codebots it's a tool that can potentially optimize a developers workflow. In the same way that a nail gun optimizes a carpenter's workflow. But sometimes the carpenter might just use a hammer.
Yesterday I decided I'd treat myself to two small snacks since I had just finished
my shoulder session and I had walked 9km. One weighing 33g and the other weighing 26grams. Combined just below 250kcal. Walking 9 km took around 2 hours and burned 450kcal... eating two small snacks took me 1 minute.
It's scary how little is needed to off set your TDEE.
Drink 3 cans of cola and the average person has reached 25% of their TDEE.
Two tablestone dressing is 80kcal. Which suddenly adds 500% more calories to 100grams of salad.
And if you decide that nuts are healthy and you decide to have 50grams of almonds. Then you are looking at 300kcal.
I think the single biggest cause for obesity is simply because people don't know how calorie dense some foods are.
Coca Cola actually made a reduced calorie with half the sugar content. It was called Coca Cola Life. It tasted less sweet obviously but not something I would notice if I didn't pour the drink myself.
Don't worry about that. Everyone else will also have an AI Pin. So everyone(except me) will be yelling into a microphone. I support this wholeheartedly. This is the kind of chaotic dystopian future I want.
Ironically the tone of your comment suggests hints of elitism.
My guess is that you think pacman is inferior to apt or rpm. But for some reason you don't want to go into depth with what is actuallly wrong with pacman and you just regurgitates a comment or article you've read at some point that bashes pacman.
But does the overall cost of these 'WindWings' recoup over the lifetime of cargo ship. Including the fact that they can now carry less cargo per trip. And the trip might take longer due to 'route optimizations'. Insurance is probably also going to be higher now that you have giant sails on top of the ships that makes it both more expensive but also i suspect less safe in rough seas(even when folded).
I feel that is the only true measure otherwise cargo ship builders are not inclined to build more of these.
Finally someone who gets it. The echo chambers that exists among programmers today is painful. And it is especially bad on SO when you ask a question and someone just comments one of the following without going into depth as to the why:
"Don't use goto it is bad"
"Don't use reflection it is slow"
"Don't do that it is an anti-pattern"
"Don't use X it is considered bad practice"
I understand there are rules of thumb when programming, but they are not set in stone. There is a reason the language designers haven't removed or deprecated features.
> I'd have burned it all down the first time someone got pissy about a free thing I
Sadly this is the state of open source projects. People feeling entitled and doing nothing but complain. It's sad really because negative compacts often have a more lasting impact than positive ones.
I also really like the name.
Maybe add a language selector such that the AI has a better context of what language the user is interested in.