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Posts by Caoimhín Páirc
And I have HBO Max and the Habs game is on HBO Max, but I dint have the right HBO Max subscription.
Keeping track of the plethora of streaming services is annoying, but it is SO MUCH WORSE when the same channel has different services. So while I have the Disney+Hulu+ESPN bundle and the Bruins game is on ESPN, I can't actually watch the game with my subscription.
This is so incoherent that it only makes sense as a billionaires reactionary brain farts. Eg: public employees are not “priests” and are over compensated. Reality: they are underpaid and have been serially abused. Next point, people engaging in public life (read: DOGE, Palantir) deserve our grace.
Someone who vacations in my county - not a resident - complained about a pride display at the library, which prompted the county to pull us out of a regional library system with 2 other very MAGA counties and lose a bunch of state funding in the process.
Teach them how to do a proper cheers early
Leif
“Working with Madison was like babysitting a TikTok influencer who thought he was Winston Churchill." The quotes in this story are quite something...#ncpol
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Blessed are the cheesemakers.
(Not to be taken literally)
PAVE could have dont a lot more interesting work than it did. Mike Eriksen's work on *how* appraisers manipulate their valuations could be applied to issues of racial bias. That would show greater intentionality from appraisers than just the overall valuation.
This is important because it shows countering overvaluation, not undervaluarion, addresses both collateral risk and racial bias!
-this paper shows that appraisals are biased upwards relative to AVMs, confirming one of the most consistent findings in real estate research. But that Black borrowers do not receive that same overappraisal.
-this paper infers appraiser race from names. FHA has the actual self-reported race of appraised on their roster and could have made that information available.
-this paper uses a better apparaisal-AVM measure, but says their preferred metric is calibrated on purchase transactions. Problem is AVMs often incorporate list price into their model, which can introduce bias. It also means AVMs for purchase transactions are a different model from AVMs for refis
2) appraisal-contract price ratio can only be examined for purchases, when its not clear how the appraiser would know the race of the buyer. 3) even then, the contract price is not an unbiased measure of value. Plenty of reasons why bidding behavior may be different across populations.
-Papers that do examine appraisals typically compare them to the purchase price. But 1) the study cannot rely only on completed transactions without basing the sample. Underappraisal would be more likely to scuttle the sale. And the comparison should be to initial contract in case its renegotiated
-Many "appraisal" papers do not actually examine appraisals, but include tax assessments, AVM estimates, or even self-reported valuations. These are different things! Tax assessments are often *higher* in minority neighborhoods.
I've seen this paper presented and have a few general complaints about appraisal bias research, not necessarily unique to this paper: 🧵
My dad was a naval supply officer and has a crazy story of being given a gun and 2 marine escorts to drive through Beirut in 1983 in order to buy cases of Coke
Hegseth on an AI video of Jesus shared by Iran: "As far as a video like that, of course that's disgusting. Iran says a lot of things in the propaganda space based on complete lies."
A white garment with some kind of food stain. Humiliating.
A pair of dirty hands rest on a car engine. Rough, tough, cool.
Here is an easy solution:
Food stains are humiliating, as they suggest you're a little baby who can't feed themselves.
Oil stains, such as those you'd get from working on your car, suggest you're tough, independent, and skilled.
Thus, simply cover your food stains with used motor oil.
My wife just knits them sweaters out of their mom
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In other words, the workers lack any civil service protections but the bosses hide behind federal immunity.
another example of the confusion from Pulte making himself GSE chair. He fired workers after accusing them without evidence of fraud in the company's charitable donation program. That sounds like an internal matter for a nominally private company. But he gets legal immunity as a federal employee.
Isnt 0 inflation what Trump promised? Or even deflation to pre pandemic prices?
Its not surprising to have a racist Jim Crow law still on the books, it is surprising that multiple attempts to remove it have failed.
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