Very controversial topic that needs Fact Checking

What happens if Artificial Intelligence turns on us? Anyone?

Here is a list of the easiiest dogs to train:

The ease of training a dog depends on various factors, including individual temperament, intelligence, and the owner’s training skills. However, some dog breeds are generally known for their trainability and eagerness to please. Here are a few breeds that are often considered easier to train:

Border Collie: Known for their intelligence and agility, Border Collies excel in obedience training and are quick learners.

Poodle: Poodles are highly trainable and come in three sizes: standard, miniature, and toy. They are known for their intelligence.

German Shepherd: German Shepherds are often used as police and service dogs due to their intelligence, loyalty, and trainability.

Golden Retriever: Friendly and eager to please, Golden Retrievers are known for their intelligence and make great family pets.

Labrador Retriever: Labs are known for their friendly nature and high intelligence, making them relatively easy to train.

Papillon: Despite their small size, Papillons are intelligent and excel in obedience training.

Shetland Sheepdog: Shelties are known for their intelligence and eagerness to learn, making them relatively easy to train.

Doberman Pinscher: Dobermans are known for their loyalty and intelligence, making them trainable for various tasks.

It’s important to note that individual dogs may vary, even within a specific breed. Additionally, training success depends on consistency, positive reinforcement, and the time and effort invested by the owner. Regardless of the breed, early socialization and positive training methods can contribute significantly to a dog’s overall behavior and obedience.

• This discussion was modified 6 months, 2 weeks ago by  Gustan Cho.

What is an Accessory Dwelling Unit or an ADU? How does the accessory dwelling unit model work?

I have been in Chapter 13 for 12 months with no late payments. I would like to obtain an FHA to buy a home. However, I am concerned that my Chapter 13 monthly payment and student loans (deferred for 4 more years) will keep me from qualifying because my DTI will be too high. I only make about 70,000 a year. My Chapter 13 payment is 471 every two weeks. My student loans are around 80,000 (1% is 800). Is it possible for me to be approved?

I live in Texas and would like to know how much of a loan you can get approved for with a 590 score?

I am new to the commercial loan origination industry. My wholesale commercial lenders are asking to prepare personal financial statement of each commercial loan applicant. How do you complete a complete financial statement?

• This discussion was modified 4 months, 3 weeks ago by  Bailey.

How long does it take to clear conditions for a clear to close?

WHAT IS QC AND WHY IS QC MORTGAGE UNDERWRITING AFTER A CLEAR TO CLOSE?

WHAT DOES APPROVE ELIGIBLE PER DU FINDINGS MEANS?

What are the guidelines to get approved for a mortgage during and after Chapter 11 Bankruptcy? What are the waiting periods after a chapter 11 bankruptcy?

It is no rocket science Kamala Harris has no respect. Listen to Kamala Harris babble

https://www.facebook.com/share/ZGqK6LWckR9hBRzf/?mibextid=21zICX&startTimeMs=18490

facebook.com

TᕼE ᖴlVE 2/9/24 ᖴᑌᒪᒪ HD | TᕼE ᖴlVE 2/9/24 ᖴᑌᒪᒪ HD | By Melanie Harmon | Facebook

TᕼE ᖴlVE 2/9/24 ᖴᑌᒪᒪ HD

What are the difference between mobile homes, manufactured homes, and manufactured homes. How can I get financing on mobile homes, manufactured homes, or modular homes.

Great Content Authority (GCA) FORUMS and SUBFORUMS is becoming increasingly popular and many keywords and long tail keywords is on all of the major search engines. Can you explain the explosive growth of GCA FORUMS in such a short period of time.

Here’s a great 👍 informative video clip from VINWiki about car Depreciation the minute you drive it off the auto dealership. Electric cars, like all vehicles, experience depreciation, but there are specific factors that influence the rate at which they lose value. Here’s an overview of how electric cars depreciate and the factors affecting their depreciation rates:

Factors Influencing Depreciation of Electric Cars

1. Battery Life and Technology:

   • Battery Degradation: The lifespan and efficiency of the battery are critical. Over time, batteries lose their ability to hold a full charge, which can decrease the car’s range and performance.
   • Technological Advances: Rapid advancements in battery technology and electric vehicle (EV) features can make older models obsolete faster than traditional vehicles.

2. Government Incentives:

   • Tax Credits and Rebates: Federal and state incentives for new electric car purchases can reduce the initial cost, but these incentives don’t apply to used cars, which can affect resale values.
   • Policy Changes: Changes in government policies regarding incentives can also impact the depreciation rates.

3. Brand and Model Perception:

   • Brand Reputation: Brands with a strong reputation for quality and reliability tend to depreciate more slowly.
   • Model Popularity: Highly popular models with good reviews and strong market demand retain their value better.

4. Market Demand:

   • Consumer Preferences: As consumer interest in EVs grows, demand for used electric cars can help stabilize depreciation rates.
   • Resale Market: A well-established resale market can positively impact depreciation rates.

5. Mileage and Usage:

   • Lower Running Costs: EVs typically have lower running costs, which can make them more appealing on the used market.
   • Usage Patterns: How the car has been used (e.g., city vs. highway driving) and overall mileage will affect its resale value.

Depreciation Rates Comparison

Electric vs. Gasoline Cars:

• Higher Initial Depreciation: Electric cars generally depreciate faster initially compared to gasoline cars. This is partly due to the high cost of the battery and rapid technological advancements.
• Long-term Trends: Over time, as the market for electric vehicles matures and battery technology stabilizes, depreciation rates for EVs may become more comparable to those of traditional vehicles.

Examples and Data

Tesla:

• Model S and Model 3: Tesla vehicles, particularly the Model S and Model 3, have shown better-than-average resale values compared to other electric cars. This is attributed to Tesla’s strong brand reputation, continuous software updates, and high consumer demand .

Nissan Leaf:

• Rapid Depreciation: The Nissan Leaf, one of the earlier mainstream electric cars, has experienced rapid depreciation. Factors include its older battery technology and the availability of newer, more advanced EV models .

Conclusion

Electric cars depreciate due to factors such as battery life, technological advancements, government incentives, brand reputation, and market demand. While they may depreciate faster initially compared to gasoline cars, certain models, like those from Tesla, tend to retain their value better. As the market for electric vehicles continues to evolve, these depreciation trends may change.

https://www.facebook.com/share/v/e8d3zYemG5W6wwrG/?mibextid=D5vuiz

• This discussion was modified 7 months, 3 weeks ago by  Gustan Cho.

facebook.com

Market Insights on the Values of High-End EVs! | Market Insights on the Values of High-End EVs! | By VINwikiFacebook

Market Insights on the Values of High-End EVs!

With all this talk about the United States printing money, and running 31 trillion dollars in deficit, should the United States buy Gold and Silver?

What is the best method of action or talking to a police officer when stopped for a drunk Driving traffic infraction. I just saw this video and from what I am understanding is do not consent to a field sobriety test

https://www.facebook.com/share/r/3SacPx2hFUzFfprK/?mibextid=D5vuiz

facebook.com

How To Refuse A DUI Test Cop Gets Owned And Dismissed | How To Refuse A DUI Test Cop Gets Owned And Dismissed | By Agola ClitusFacebook

How To Refuse A DUI Test Cop Gets Owned And Dismissed

Arrogant incompetent Pennsylvania Congressman should be disbarred and tried for Treason, Obstruction of Justice, and just being Butterfield ass ugly.

https://youtu.be/qM8QDAkDzSM?si=xkZdfGqAQR3F-o_O

In residential mortgage lending, what do they mean that a mortgage loan does not pass high-cost? What is a high-cost mortgage loan.

Every mortgage lender are giving me the same story for being late 120 days on a past mortgage loan payment in the past 24 months. Mortgage lenders, mortgage brokers, loan officers from banks and credit unions all say any mortgage that has been late 120 days or more is considered a foreclosure. Most lender consider a borrower with a 120 day late on a home loan the same as a foreclosure.

What is the requirements for a borrower to be eligible for bank statement mortgage loans? Do you need to have a bona fide business to be eligible for bank statement loans? Can a sole proprietor without an LLC, corporation, or legal partnership be eligible for bank statement loans? Can W2 wage earners qualify for bank statement loans? Can 1099 wage earners qualify for bank statement loans? If I am a cash wage earner buying and selling cars without a legal form of business, can I qualify for bank statement loans? Does the lender need to see income tax returns? How many years in business do you need to be to qualify for bank statement loans. Do you need to be self-employed to be eligible for bank statemnent loans? Can you have a co-borrower that is a W2 wage earner on the main borrower is self-employed? How is qualified income calculated on bank statement loans on personal and business bank statements. Can you use both personal and business bank statements? Thank you in advance @Annie @Dale_Elenteny @john @John_Strange