ovirt001 t1_je69lyg wrote

It could be considered consultancy if the AGI is capable of individual thought. Companies have some longer-term objectives but tend to focus their efforts on short-term gains to please investors.
There will be plenty of discussion around the ethics of using AGI in business. Whether it can be called "slavery" will depend on how like a human AGI turns out to be.


ovirt001 t1_je5vmox wrote

The first instance of AGI isn't going to replace all those employees, it will only have the capacity of a single human. For this reason we'll see them start selling access to it (the trend has already begun) and then sell "personal assistants". Holding onto AGI until it's sufficient to replace all the company's workers would risk losing out to a competitor that releases theirs to the public. Once everyone has one of these personal assistants it's no longer possible to close AGI off to the world.


ovirt001 t1_je5ty86 wrote

It stems from people having no clue what capitalism is. Automation has the potential to make things so cheap that no one cares about money outside of luxury products. It was hoped in the 50s that this would happen with nuclear energy (though it fizzled out for several reasons).


ovirt001 t1_jd9te5s wrote

Hold on for dear life and hope that it goes well. 2025 is obviously too close for humanity to adapt so there's very little an individual can do. While you mention that it's a made up estimate, I expect the singularity will come much sooner than the predicted 2045. AI is progressing substantially faster than computers did and we can only hope that our ability to integrate with it keeps pace. For reference, the original prediction assumed the pace of progress would track with Moore's law.


ovirt001 t1_j6ov6xa wrote

Get quotes from your bank, other banks, credit unions, and Rocket Mortgage. See who offers the better deal.
Since you're a first time homebuyer it might be best to use the program in your state. If you're not buying rural property it's usually the best option and only requires 3.5% down.
Things to keep in mind when looking at houses:
Sellers will expect you to have "Earnest Money". You give this money to the title company and they hold it in an escrow account. There will be conditions in the contract on how the money is handled but it's usually non-refundable after your inspection is complete.
First time homebuyer programs only require 3.5% down but come with mortgage insurance requirements which can add hundreds to your monthly payment.
USDA loans are similar but with 0% down (they only apply to houses in rural areas).
Your lender will approve you "up to" a certain amount. You will end up taking out only as much as is needed to cover the house with your down payment and earnest money. There's no reason for you or your realtor to tell the seller/their realtor how much you were pre-approved for (they only need to know that you were pre-approved).
Take your time, some realtors will try to push you to close quickly. They want a fast sale more than they want the right sale.
Sellers and their realtors will use shady tactics such as claiming another offer came in after you make an offer to try and get you to bid higher. Don't panic bid and don't get too attached to the prospect of a particular house.
This is your first house, not your forever home.