The cloud givith and the cloud taketh

Just switched to them. Would recommend so far.

You can also copyright the original character and make AI generate all the motions of that character. Since the originals was (human) created and copyrighted, it doesn’t matter that AI created art derived from that character isn’t copyrightable in of itself.

Plus there is also trademarks for character likeness.

All in all, I agree with you, this is a non issue for Hollywood studios.

Not sure how that changes my argument.

If you look at the rental market in the United States, it’s cheaper to rent than it is to own if you take into consideration the opportunity cost of money when it is not invested in the higher growth equities market from a purely financial perspective.

Farming isn’t a charity either but it’s usually more efficient for people to not work as farmers tilling their own land.

I do think it is an effective hedge against increased cost of living in your particular area, and swapping that out for other risks such as natural disaster, long term climate and political disaster, and increases in interest or insurance costs, but I don’t think most people see it that way from a financial perspective.

From a market average perspective, your earnings in the market will far outweigh normal increases in rental cost in the long term. Property tax, insurance, and cost of home maintenance are also going to increase as cost of living increases.

I do 100% agree there is a psychological benefit to home ownership that might even extend to the foundation of American middle-class democratic values.

I’m not sure if this is something that’s helpful, but I do want to give the advice that real estate really isn’t the best way to build wealth If you are very disciplined. Renting can be an even better way of building wealth.

If you treat housing a service you pay for, buying a house has a higher overall cost if you include mortgage, taxes, insurance, repairs, and etc. Remember, mortgage is the least you’ll pay, while rent is the most you’ll pay.

Imagine if your mortgage was 2k/mo, taxes, insurance, and home maintenance is another 500/mo, you can almost certainly find a house to rent for under that cost (let’s say 2k/mo for example) unless you live in one of the exceptionally cheap places in the US where the price-to-rent ratio is low <15.

Now also consider how you most likely needed a 20% down, and most of your payment goes towards interest initially for a mortgage.

The tricky part is having the financial discipline to put away that extra 500/mo into investments. Mortgage FORCES you to save into an appreciating asset, most people will just blow that extra 500/mo onto other items. It sounds like you already are by maxing out your 401k, and I would also looking into maxing Roth IRA if you can. Home ownership isn’t the only path towards wealth, though it is a means by which many people (conscious or not) force themselves into “saving”.

Nah it’s 7% now.

https://www.mortgagenewsdaily.com/mortgage-rates

Absolutely bonkers. I refinanced at 2.5%, but the rate now would nearly double my monthly payment.

Until you realize overwhelming majority, (70+percent) of the tax deduction is on commercial property (hence California strip malls because you’ll never get updated tax when you never upgrade your commercial facility) and luxury residential property over 2mm and that’s why we have to have income tax in California.

Single family zoning as far as the eye can see. San Francisco simply cannot grow due to the stupidly restrictive zoning. Combine that with prop 13 limits on property tax based on purchase price rather than market price of the property, you got a bunch of land horders who are not pressured to better utilize the limited space that we have as a city.

In turn, this makes rent stupid expensive, and the housing stock really bad for renters.

I have 3-4 of them to control fruit flies and fungus mats. They do an excellent job.