臺中有朝代書:台中2胎房貸,烏日區二胎,二胎代書,烏日貸款,二胎利率,二胎房貸,二胎貸款,信用貸款,烏日小額信貸,借錢指南,土地貸款,烏日建地貸款,房屋二胎,農地借錢,房屋貸款,房貸二胎,房貸增貸,烏日民間二胎,台中小額貸款。
有朝代書借錢網-台中2胎房貸,土地貸款,只要您自有的房屋還有殘值、房屋坪數不限、屋齡不限、貸款遲繳、負債比過高、信用不良、無收入證明、無薪轉證明、土地持分、房屋持分以上均可辦理二胎貸款,新竹借錢,台中二胎借款,烏日房貸轉增貸,桃園當舖,新竹房地二胎貸款,桃園二胎貸款,烏日轉貸降息,買車換現金,彰化小額借款,台中融資借貸,烏日二胎貸款,台中市快速借錢貸款平台!
銀行對房貸的保守態度,不只是一胎,連二胎房貸&信貸也是!除了考慮房屋殘值外,還會考慮申請人的信用狀況等,讓申貸房貸或增貸都很困難,明明房屋還有價值空間,但是卻因為信用評分不足或其他原因婉拒房屋二胎申請!
目前市面上有推出二胎房貸(二順位房貸)產品的銀行更是屈指可數!
銀行二胎房貸的選擇和方式
目前市面上可申請的二胎房貸(二順位房屋貸款)的銀行不是很多,有房貸寬限期的更是幾乎沒有,有辦理二胎的銀行包括:
日盛銀行(家值房貸)
永豐銀行
遠東商銀
凱基銀行
台新銀行
兆豐銀行 (兆豐富二貸)
國泰銀行
王道銀行
台北富邦(無二胎)
二胎房貸是什麼?(二順位房貸)?二胎房貸又稱為二順位房貸, 就是當該房屋先前已向銀行進行第一次房屋貸款後,用原房屋再向另一家銀行,進行對該標的殘值的二次抵押借款,房屋抵押貸款設定出現第2順位債權人,即為二胎房貸。
銀行
|
日盛銀行
|
永豐銀行
|
對象
|
20-65歲
|
20-65歲
|
額度
|
最高300萬
|
50萬
|
年利率
|
3.58%~12.99%
|
2.78%~5.42%(浮動)
|
開辦費
|
8000~15000元
|
5000~12000元
|
期限
|
最長10年
|
最長7年
|
限制
|
原房屋貸款須繳滿一年
|
銀行往來信用正常者
|
銀行
|
遠東銀行
|
凱基銀行
|
對象
|
20-65歲
|
20-60歲
|
額度
|
25~300萬
|
最高300萬
|
年利率
|
3%起
|
3%~5%(浮動)
|
開辦費
|
5000元
|
10000元
|
期限
|
最長7年
|
最長10年
|
限制
|
房屋已持有滿一年(需自住)並於金融機構有半年以上房貸繳款紀錄
|
房子持有二年以上且房貸已繳交一年以上,近一年無民間二胎或信託紀錄
|
銀行
|
台新
|
兆豐
|
對象
|
20-60歲
|
20-60歲,既有房貸戶(繳息三個月以上)
|
額度
|
最高300萬
|
2.75%起
|
年利率
|
3.5%~18%
|
2.75%起
|
開辦費
|
3000~12000元
|
3000~15000元
|
期限
|
最長10年
|
2-10年,期限加借款人年紀不超過70歲
|
銀行
|
國泰
|
王道
|
對象
|
20-64歲
|
原房貸繳滿一年
|
額度
|
20~150萬
|
最高350萬
|
年利率
|
2.5%~6%
|
4.50%起
|
開辦費
|
貸款金額1%
|
9000~15000元
|
期限
|
最長10年
|
最長15年
|
被銀行婉拒時,別灰心,改找有朝代書,額度高、速度快。
二胎房貸銀行利率&條件比較表
銀行
|
額度
|
年利率
|
年限
|
開辦費
|
日盛
|
300萬
|
3.58%~12.99%
|
10年
|
15000元
|
遠東
|
300萬
|
6~12%
|
7年
|
5000元
|
永豐
|
50萬
|
2.49%~ 4.69%
|
7年
|
12000元
|
凱基
|
300萬
|
3.8%~ 5.69%
|
10年
|
10000元
|
台新
|
300萬
|
3.5%~18%
|
10年
|
12000元
|
兆豐
|
200萬
|
2.75%起(浮)
|
10年
|
3000元
|
國泰
|
150萬
|
2.5%~6%
|
10年
|
15000元
|
王道
|
350萬
|
4.50%起
|
15年
|
15000元
|
有朝代書房貸部建議
1.上面的列表中,可看出目前有承作二胎房貸的銀行與條件,最低利率2.49%起與最長還款年限15年,最低手續費3000元…等,看起來相當誘人,但是過件率跟一胎房貸相差無幾,一樣很嚴格…看得到吃不到。
2.因為知道銀行的房貸審核嚴格,房貸部推出「有朝不動產二順位」,簡稱:代書二胎貸款、二胎房貸、二順位房貸、房屋二胎,優點整理如下:
(1)沒有銀行的嚴格審核
(2)額度比銀行更高(最高1000萬)
(3)還款年限最長7~10年
(4)沒有月薪22倍的限制
(5)不看工作收入證明
(6)不看負債比
(7)不看聯徵信用評分
3.銀行的利率低,但審核嚴格,尤其非常看重信用評分,信用好的人才有機會跟銀行辦到貸款,稍有瑕疵就是婉拒!當二胎申請不過時,通常申請「房屋增貸」或「轉增貸」也不會成功,其審核條件也會參考信用評分,一定要特別注意。
4.不管增貸或轉增貸被拒絕,一定要優先考慮「不影響聯徵中心信用評分」的貸款方式,才不會因為貸款借錢而讓財務更惡化!
5.有朝代書的二胎房貸,僅看房屋殘餘價值與房貸每月繳款紀錄是否正常,就算曾有信用不良紀錄、債務協商紀錄(須正常還款滿三年)、曾有民間私人設定紀錄…等,都能順利核貸且撥款,還款方式跟銀行一模一樣。
6. 最後提醒您,當選定了銀行就只跟同一家銀行接洽,不要同時詢問多家,會被銀行認定短期內密集借貸,不但借不到錢,還會在聯徵報告被註記,因此白白損失了寶貴的信用紀錄,是不智的選擇。
7. 如果銀行借不到錢,千萬不要直接找民間代辦(仲介)!請立刻來電或線上詢問,我們會給您最專業、最完整的理財評估及貸款建議。
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High costs are still a big barrier to prospective customers, said Alan Gibson, principal at Maine-based builder GO Logic, where a shell for an ultra-efficient, two-story, 1,400 square foot home with three bedrooms can cost around $600,000.
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Homeowners also need to factor in additional costs, like buying and developing a suitable plot of land, and in some cases, getting access to water, electricity and septic, Gibson added.
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The way to bring down costs, Gibson believes, is more panelized, multi-family housing.
“It can be done so much more efficiently,” Gibson said, “and there’s a lot more repetition” for the developer, making the process faster and less expensive than custom multi-family builds.
Goodson, the homeowner in Maine, was able to save big money with his engineering background and penchant for DIY. He installed a rooftop solar system and electrical improvements himself, saving hundreds of thousands of dollars in the process. He wound up spending around $500,000 in all, which he estimates was $200,000 less than he otherwise would have.
“It’s a big number to swallow, I’m not making light of that at all, but it’s not that far out of what’s reasonable,” Goodson told CNN. It’s also not considering the long-term savings he will experience with no utility bills.
He was also able to take advantage of federal tax credits that reduced the cost of his rooftop solar, which saved him more than $10,000 on his panels. Those tax credits are now endangered with House Republicans’ tax bill.
“That was huge,” he said. “It’s fairly unfortunate they’re looking at doing away with it.”
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High costs are still a big barrier to prospective customers, said Alan Gibson, principal at Maine-based builder GO Logic, where a shell for an ultra-efficient, two-story, 1,400 square foot home with three bedrooms can cost around $600,000.
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Homeowners also need to factor in additional costs, like buying and developing a suitable plot of land, and in some cases, getting access to water, electricity and septic, Gibson added.
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The way to bring down costs, Gibson believes, is more panelized, multi-family housing.
“It can be done so much more efficiently,” Gibson said, “and there’s a lot more repetition” for the developer, making the process faster and less expensive than custom multi-family builds.
Goodson, the homeowner in Maine, was able to save big money with his engineering background and penchant for DIY. He installed a rooftop solar system and electrical improvements himself, saving hundreds of thousands of dollars in the process. He wound up spending around $500,000 in all, which he estimates was $200,000 less than he otherwise would have.
“It’s a big number to swallow, I’m not making light of that at all, but it’s not that far out of what’s reasonable,” Goodson told CNN. It’s also not considering the long-term savings he will experience with no utility bills.
He was also able to take advantage of federal tax credits that reduced the cost of his rooftop solar, which saved him more than $10,000 on his panels. Those tax credits are now endangered with House Republicans’ tax bill.
“That was huge,” he said. “It’s fairly unfortunate they’re looking at doing away with it.”
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High costs are still a big barrier to prospective customers, said Alan Gibson, principal at Maine-based builder GO Logic, where a shell for an ultra-efficient, two-story, 1,400 square foot home with three bedrooms can cost around $600,000.
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Homeowners also need to factor in additional costs, like buying and developing a suitable plot of land, and in some cases, getting access to water, electricity and septic, Gibson added.
https://trip-scan.top
трип скан
The way to bring down costs, Gibson believes, is more panelized, multi-family housing.
“It can be done so much more efficiently,” Gibson said, “and there’s a lot more repetition” for the developer, making the process faster and less expensive than custom multi-family builds.
Goodson, the homeowner in Maine, was able to save big money with his engineering background and penchant for DIY. He installed a rooftop solar system and electrical improvements himself, saving hundreds of thousands of dollars in the process. He wound up spending around $500,000 in all, which he estimates was $200,000 less than he otherwise would have.
“It’s a big number to swallow, I’m not making light of that at all, but it’s not that far out of what’s reasonable,” Goodson told CNN. It’s also not considering the long-term savings he will experience with no utility bills.
He was also able to take advantage of federal tax credits that reduced the cost of his rooftop solar, which saved him more than $10,000 on his panels. Those tax credits are now endangered with House Republicans’ tax bill.
“That was huge,” he said. “It’s fairly unfortunate they’re looking at doing away with it.”
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Unity and BrightBuilt factory-built homes share an important feature: They are airtight, part of what makes them 60% more efficient than a standard home. GO Logic says its homes are even more efficient, requiring very little energy to keep cool or warm.
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“Everybody wants to be able to build a house that’s going to take less to heat and cool,” said Unity director Mark Hertzler.
Home efficiency has other indirect benefits. The insulation and airtightness – aided by heat pumps and air exchangers – helps manage the movement of heat, air and moisture, which keeps fresh air circulating and mold growth at bay, according to Hertzler.
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Buntel, a spring allergy sufferer, said his Somerville home’s air exchange has made a noticeable difference in the amount of pollen in the house. And customers have remarked on how quiet their homes are, due to their insulation.
“I’m from New England, so I’ve always lived in drafty, uncomfortable, older houses,” Buntel said. “This is really amazing to me, how consistent it is throughout the year.”
Some panelized home customers are choosing to build not just to reduce their carbon footprint, but because of the looming threat of a warming planet, and the stronger storms it brings.
Burton DeWilde, a Unity homeowner based in Vermont, wanted to build a home that could withstand increasing climate impacts like severe flooding.
“I think of myself as a preemptive climate refugee, which is maybe a loaded term, but I wasn’t willing to wait around for disaster to strike,” he told CNN.
Sustainability is one of Unity’s founding principles, and the company builds houses with the goal of being all-electric.
“We’re trying to eliminate fossil fuels and the need for fossil fuels,” Hertzler said.
Goodson may drill oil by day, but the only fossil fuel he uses at home is diesel to power the house battery if the sun doesn’t shine for days. Goodson estimated he burned just 30 gallons of diesel last winter – hundreds of gallons less than Maine homeowners who burn oil to stay warm.
“We have no power bill, no fuel bill, all the things that you would have in an on-grid house,” he said. “We pay for internet, and we pay property taxes, and that’s it.”
Today was supposed to be the day that President Donald Trump’s so-called “reciprocal” tariffs on dozens of countries kicked in after a three-month delay, absent trade deals. But their introduction has been postponed, again.
The new, August 1 deadline prolongs uncertainty for businesses but also gives America’s trading partners more time to strike trade deals with the United States, avoiding the hefty levies.
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Mainstream economists would probably cheer that outcome. Most have long disliked tariffs and can point to research showing they harm the countries that impose them, including the workers and consumers in those economies. And although they also recognize the problems free trade can create, high tariffs are rarely seen as the solution.
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Trump’s tariffs so far have not meaningfully boosted US inflation, slowed the economy or hurt jobs growth. Inflation is “the dog that didn’t bark,” Treasury Secretary Scott Bessent likes to say. But economists argue inflation and jobs will have a delayed reaction to tariffs that could start to get ugly toward the end of the year, and that the current calm before the impending storm has provided the administration with a false sense of security.
“The positives (of free trade) outweigh the negatives, even in rich countries,” Antonio Fatas, an economics professor at business school INSEAD, told CNN. “I think in the US, the country has benefited from being open, Europe has benefited from being open.”
Consumers lose out
Tariffs are taxes on imports and their most direct typical effect is to drive up costs for producers and prices for consumers.
Around half of all US imports are purchases of so-called intermediate products, needed to make finished American goods, according to data from the Organisation for Economic Co-operation and Development.
“If you look at a Boeing aircraft, or an automobile manufactured in the US or Canada… it’s really internationally sourced,” Doug Irwin, an economics professor at Dartmouth College, said on the EconTalk podcast in May. And when American businesses have to pay more for imported components, it raises their costs, he added.
Likewise, tariffs raise the cost of finished foreign goods for their American importers.
“Then they have to pass that on to consumers in most instances, because they don’t have deep pockets where they can just absorb a 10 or 20 or 30% tariff,” Irwin said.
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The bow of a US Navy cruiser damaged in a World War II battle in the Pacific has shone new light on one of the most remarkable stories in the service’s history.
More than 80 years ago, the crew of the USS New Orleans, having been hit by a Japanese torpedo and losing scores of sailors, performed hasty repairs with coconut logs, before a 1,800-mile voyage across the Pacific in reverse.
The front of the ship, or the bow, had sunk to the sea floor. But over the weekend, the Nautilus Live expedition from the Ocean Exploration Trust located it in 675 meters (2,214 feet) of water in Iron Bottom Sound in the Solomon Islands.
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Using remotely operated underwater vehicles, scientists and historians observed “details in the ship’s structure, painting, and anchor to positively identify the wreckage as New Orleans,” the expedition’s website said.
On November 30, 1942, New Orleans was struck on its portside bow during the Battle of Tassafaronga, off Guadalcanal island, according to an official Navy report of the incident.
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The torpedo’s explosion ignited ammunition in the New Orleans’ forward ammunition magazine, severing the first 20% of the 588-foot warship and killing more than 180 of its 900 crew members, records state.
The crew worked to close off bulkheads to prevent flooding in the rest of the ship, and it limped into the harbor on the island of Tulagi, where sailors went into the jungle to get repair supplies.
“Camouflaging their ship from air attack, the crew jury-rigged a bow of coconut logs,” a US Navy account states.
With that makeshift bow, the ship steamed – in reverse – some 1,800 miles across the Pacific to Australia for sturdier repairs, according to an account from the National World War II Museum in Louisiana.
Retired US Navy Capt. Carl Schuster described to CNN the remarkable skill involved in sailing a warship backwards for that extended distance.
“‘Difficult’ does not adequately describe the challenge,” Schuster said.
While a ship’s bow is designed to cut through waves, the stern is not, meaning wave action lifts and drops the stern with each trough, he said.
When the stern rises, rudders lose bite in the water, making steering more difficult, Schuster said.
And losing the front portion of the ship changes the ship’s center of maneuverability, or its “pivot point,” he said.
“That affects how the ship responds to sea and wind effects and changes the ship’s response to rudder and propellor actions,” he said.
The New Orleans’ officers would have had to learn – on the go – a whole new set of actions and commands to keep it stable and moving in the right direction, he said.
The ingenuity and adaptiveness that saved the New Orleans at the Battle of Tassafaronga enabled it to be a force later in the war.
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That insight is part of the value of having kids play with dolls that have disabilities, said Dr. Sian Jones, co-founder of the Toy Box Diversity Lab at Queen Margaret University in Edinburgh, Scotland.
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Jones and her colleague Dr. Clare Uytman study how playing with dolls and toys with a range of physical challenges can reduce systemic inequality for disabled people.
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It’s based on a theory of mirrors and windows by Rudine Sims Bishop, a professor emerita of education at Ohio State University. Bishop realized that having diverse characters in books was good for all kids: It helps children from minority groups see themselves mirrored in the lives of book characters, and it gives kids a window into the lives of others, helping them build empathy.
Jones says that when kids play with dolls that have mobility challenges, for example, it helps them identify and understand the struggles of people with disabilities whom they meet in real life.
“Barbie in a wheelchair cannot use the doll’s house in their kindergarten classroom, so they have to build a ramp in order for her to be able to access the door to their doll’s house, for example,” said Jones, who lives with cerebral palsy.
When she started her work incorporating disabled dolls into school curricula, Jones said, there were few available for purchase. She mostly had to make them herself. Now, she can buy them from big companies like Lego and Mattel, “which is wonderful.”
Mazreku says the work to design the doll was well worth it. She recently got to bring one home to give to her 3-year-old daughter.
“I brought Barbie home to her and gave her a chance to interact with her and see her things,” Mazreku said. “And she looked at me and she said, ‘She looks like Mommy.’ And that was so special for me.”
Her daughter doesn’t have type 1 diabetes, she said. “But she sees me every day, living with it, representing and understanding and showing the world and wearing my devices confidently, and for her to see Barbie doing that was really special.”
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Unity and BrightBuilt factory-built homes share an important feature: They are airtight, part of what makes them 60% more efficient than a standard home. GO Logic says its homes are even more efficient, requiring very little energy to keep cool or warm.
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“Everybody wants to be able to build a house that’s going to take less to heat and cool,” said Unity director Mark Hertzler.
Home efficiency has other indirect benefits. The insulation and airtightness – aided by heat pumps and air exchangers – helps manage the movement of heat, air and moisture, which keeps fresh air circulating and mold growth at bay, according to Hertzler.
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Buntel, a spring allergy sufferer, said his Somerville home’s air exchange has made a noticeable difference in the amount of pollen in the house. And customers have remarked on how quiet their homes are, due to their insulation.
“I’m from New England, so I’ve always lived in drafty, uncomfortable, older houses,” Buntel said. “This is really amazing to me, how consistent it is throughout the year.”
Some panelized home customers are choosing to build not just to reduce their carbon footprint, but because of the looming threat of a warming planet, and the stronger storms it brings.
Burton DeWilde, a Unity homeowner based in Vermont, wanted to build a home that could withstand increasing climate impacts like severe flooding.
“I think of myself as a preemptive climate refugee, which is maybe a loaded term, but I wasn’t willing to wait around for disaster to strike,” he told CNN.
Sustainability is one of Unity’s founding principles, and the company builds houses with the goal of being all-electric.
“We’re trying to eliminate fossil fuels and the need for fossil fuels,” Hertzler said.
Goodson may drill oil by day, but the only fossil fuel he uses at home is diesel to power the house battery if the sun doesn’t shine for days. Goodson estimated he burned just 30 gallons of diesel last winter – hundreds of gallons less than Maine homeowners who burn oil to stay warm.
“We have no power bill, no fuel bill, all the things that you would have in an on-grid house,” he said. “We pay for internet, and we pay property taxes, and that’s it.”
The bow of a US Navy cruiser damaged in a World War II battle in the Pacific has shone new light on one of the most remarkable stories in the service’s history.
More than 80 years ago, the crew of the USS New Orleans, having been hit by a Japanese torpedo and losing scores of sailors, performed hasty repairs with coconut logs, before a 1,800-mile voyage across the Pacific in reverse.
The front of the ship, or the bow, had sunk to the sea floor. But over the weekend, the Nautilus Live expedition from the Ocean Exploration Trust located it in 675 meters (2,214 feet) of water in Iron Bottom Sound in the Solomon Islands.
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Using remotely operated underwater vehicles, scientists and historians observed “details in the ship’s structure, painting, and anchor to positively identify the wreckage as New Orleans,” the expedition’s website said.
On November 30, 1942, New Orleans was struck on its portside bow during the Battle of Tassafaronga, off Guadalcanal island, according to an official Navy report of the incident.
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The torpedo’s explosion ignited ammunition in the New Orleans’ forward ammunition magazine, severing the first 20% of the 588-foot warship and killing more than 180 of its 900 crew members, records state.
The crew worked to close off bulkheads to prevent flooding in the rest of the ship, and it limped into the harbor on the island of Tulagi, where sailors went into the jungle to get repair supplies.
“Camouflaging their ship from air attack, the crew jury-rigged a bow of coconut logs,” a US Navy account states.
With that makeshift bow, the ship steamed – in reverse – some 1,800 miles across the Pacific to Australia for sturdier repairs, according to an account from the National World War II Museum in Louisiana.
Retired US Navy Capt. Carl Schuster described to CNN the remarkable skill involved in sailing a warship backwards for that extended distance.
“‘Difficult’ does not adequately describe the challenge,” Schuster said.
While a ship’s bow is designed to cut through waves, the stern is not, meaning wave action lifts and drops the stern with each trough, he said.
When the stern rises, rudders lose bite in the water, making steering more difficult, Schuster said.
And losing the front portion of the ship changes the ship’s center of maneuverability, or its “pivot point,” he said.
“That affects how the ship responds to sea and wind effects and changes the ship’s response to rudder and propellor actions,” he said.
The New Orleans’ officers would have had to learn – on the go – a whole new set of actions and commands to keep it stable and moving in the right direction, he said.
The ingenuity and adaptiveness that saved the New Orleans at the Battle of Tassafaronga enabled it to be a force later in the war.
Today was supposed to be the day that President Donald Trump’s so-called “reciprocal” tariffs on dozens of countries kicked in after a three-month delay, absent trade deals. But their introduction has been postponed, again.
The new, August 1 deadline prolongs uncertainty for businesses but also gives America’s trading partners more time to strike trade deals with the United States, avoiding the hefty levies.
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Mainstream economists would probably cheer that outcome. Most have long disliked tariffs and can point to research showing they harm the countries that impose them, including the workers and consumers in those economies. And although they also recognize the problems free trade can create, high tariffs are rarely seen as the solution.
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Trump’s tariffs so far have not meaningfully boosted US inflation, slowed the economy or hurt jobs growth. Inflation is “the dog that didn’t bark,” Treasury Secretary Scott Bessent likes to say. But economists argue inflation and jobs will have a delayed reaction to tariffs that could start to get ugly toward the end of the year, and that the current calm before the impending storm has provided the administration with a false sense of security.
“The positives (of free trade) outweigh the negatives, even in rich countries,” Antonio Fatas, an economics professor at business school INSEAD, told CNN. “I think in the US, the country has benefited from being open, Europe has benefited from being open.”
Consumers lose out
Tariffs are taxes on imports and their most direct typical effect is to drive up costs for producers and prices for consumers.
Around half of all US imports are purchases of so-called intermediate products, needed to make finished American goods, according to data from the Organisation for Economic Co-operation and Development.
“If you look at a Boeing aircraft, or an automobile manufactured in the US or Canada… it’s really internationally sourced,” Doug Irwin, an economics professor at Dartmouth College, said on the EconTalk podcast in May. And when American businesses have to pay more for imported components, it raises their costs, he added.
Likewise, tariffs raise the cost of finished foreign goods for their American importers.
“Then they have to pass that on to consumers in most instances, because they don’t have deep pockets where they can just absorb a 10 or 20 or 30% tariff,” Irwin said.
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“AI expends a lot of energy being polite, especially if the user is polite, saying ‘please’ and ‘thank you,’”
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Dauner explained. “But this just makes their responses even longer, expending more energy to generate each word.”
For this reason, Dauner suggests users be more straightforward when communicating with AI models. Specify the length of the answer you want and limit it to one or two sentences, or say you don’t need an explanation at all.
Most important, Dauner’s study highlights that not all AI models are created equally, said Sasha Luccioni, the climate lead at AI company Hugging Face, in an email. Users looking to reduce their carbon footprint can be more intentional about which model they chose for which task.
“Task-specific models are often much smaller and more efficient, and just as good at any context-specific task,” Luccioni explained.
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If you are a software engineer who solves complex coding problems every day, an AI model suited for coding may be necessary. But for the average high school student who wants help with homework, relying on powerful AI tools is like using a nuclear-powered digital calculator.
Even within the same AI company, different model offerings can vary in their reasoning power, so research what capabilities best suit your needs, Dauner said.
When possible, Luccioni recommends going back to basic sources — online encyclopedias and phone calculators — to accomplish simple tasks.
Why it’s hard to measure AI’s environmental impact
Putting a number on the environmental impact of AI has proved challenging.
The study noted that energy consumption can vary based on the user’s proximity to local energy grids and the hardware used to run AI models.
That’s partly why the researchers chose to represent carbon emissions within a range, Dauner said.
Furthermore, many AI companies don’t share information about their energy consumption — or details like server size or optimization techniques that could help researchers estimate energy consumption, said Shaolei Ren, an associate professor of electrical and computer engineering at the University of California, Riverside who studies AI’s water consumption.
“You can’t really say AI consumes this much energy or water on average — that’s just not meaningful. We need to look at each individual model and then (examine what it uses) for each task,” Ren said.
One way AI companies could be more transparent is by disclosing the amount of carbon emissions associated with each prompt, Dauner suggested.
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Today was supposed to be the day that President Donald Trump’s so-called “reciprocal” tariffs on dozens of countries kicked in after a three-month delay, absent trade deals. But their introduction has been postponed, again.
The new, August 1 deadline prolongs uncertainty for businesses but also gives America’s trading partners more time to strike trade deals with the United States, avoiding the hefty levies.
kraken darknet
Mainstream economists would probably cheer that outcome. Most have long disliked tariffs and can point to research showing they harm the countries that impose them, including the workers and consumers in those economies. And although they also recognize the problems free trade can create, high tariffs are rarely seen as the solution.
https://kra34g.cc
kra34 cc
Trump’s tariffs so far have not meaningfully boosted US inflation, slowed the economy or hurt jobs growth. Inflation is “the dog that didn’t bark,” Treasury Secretary Scott Bessent likes to say. But economists argue inflation and jobs will have a delayed reaction to tariffs that could start to get ugly toward the end of the year, and that the current calm before the impending storm has provided the administration with a false sense of security.
“The positives (of free trade) outweigh the negatives, even in rich countries,” Antonio Fatas, an economics professor at business school INSEAD, told CNN. “I think in the US, the country has benefited from being open, Europe has benefited from being open.”
Consumers lose out
Tariffs are taxes on imports and their most direct typical effect is to drive up costs for producers and prices for consumers.
Around half of all US imports are purchases of so-called intermediate products, needed to make finished American goods, according to data from the Organisation for Economic Co-operation and Development.
“If you look at a Boeing aircraft, or an automobile manufactured in the US or Canada… it’s really internationally sourced,” Doug Irwin, an economics professor at Dartmouth College, said on the EconTalk podcast in May. And when American businesses have to pay more for imported components, it raises their costs, he added.
Likewise, tariffs raise the cost of finished foreign goods for their American importers.
“Then they have to pass that on to consumers in most instances, because they don’t have deep pockets where they can just absorb a 10 or 20 or 30% tariff,” Irwin said.
Unity and BrightBuilt factory-built homes share an important feature: They are airtight, part of what makes them 60% more efficient than a standard home. GO Logic says its homes are even more efficient, requiring very little energy to keep cool or warm.
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“Everybody wants to be able to build a house that’s going to take less to heat and cool,” said Unity director Mark Hertzler.
Home efficiency has other indirect benefits. The insulation and airtightness – aided by heat pumps and air exchangers – helps manage the movement of heat, air and moisture, which keeps fresh air circulating and mold growth at bay, according to Hertzler.
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Buntel, a spring allergy sufferer, said his Somerville home’s air exchange has made a noticeable difference in the amount of pollen in the house. And customers have remarked on how quiet their homes are, due to their insulation.
“I’m from New England, so I’ve always lived in drafty, uncomfortable, older houses,” Buntel said. “This is really amazing to me, how consistent it is throughout the year.”
Some panelized home customers are choosing to build not just to reduce their carbon footprint, but because of the looming threat of a warming planet, and the stronger storms it brings.
Burton DeWilde, a Unity homeowner based in Vermont, wanted to build a home that could withstand increasing climate impacts like severe flooding.
“I think of myself as a preemptive climate refugee, which is maybe a loaded term, but I wasn’t willing to wait around for disaster to strike,” he told CNN.
Sustainability is one of Unity’s founding principles, and the company builds houses with the goal of being all-electric.
“We’re trying to eliminate fossil fuels and the need for fossil fuels,” Hertzler said.
Goodson may drill oil by day, but the only fossil fuel he uses at home is diesel to power the house battery if the sun doesn’t shine for days. Goodson estimated he burned just 30 gallons of diesel last winter – hundreds of gallons less than Maine homeowners who burn oil to stay warm.
“We have no power bill, no fuel bill, all the things that you would have in an on-grid house,” he said. “We pay for internet, and we pay property taxes, and that’s it.”
The bow of a US Navy cruiser damaged in a World War II battle in the Pacific has shone new light on one of the most remarkable stories in the service’s history.
More than 80 years ago, the crew of the USS New Orleans, having been hit by a Japanese torpedo and losing scores of sailors, performed hasty repairs with coconut logs, before a 1,800-mile voyage across the Pacific in reverse.
The front of the ship, or the bow, had sunk to the sea floor. But over the weekend, the Nautilus Live expedition from the Ocean Exploration Trust located it in 675 meters (2,214 feet) of water in Iron Bottom Sound in the Solomon Islands.
kraken даркнет
Using remotely operated underwater vehicles, scientists and historians observed “details in the ship’s structure, painting, and anchor to positively identify the wreckage as New Orleans,” the expedition’s website said.
On November 30, 1942, New Orleans was struck on its portside bow during the Battle of Tassafaronga, off Guadalcanal island, according to an official Navy report of the incident.
https://kra34g.cc
kraken ссылка
The torpedo’s explosion ignited ammunition in the New Orleans’ forward ammunition magazine, severing the first 20% of the 588-foot warship and killing more than 180 of its 900 crew members, records state.
The crew worked to close off bulkheads to prevent flooding in the rest of the ship, and it limped into the harbor on the island of Tulagi, where sailors went into the jungle to get repair supplies.
“Camouflaging their ship from air attack, the crew jury-rigged a bow of coconut logs,” a US Navy account states.
With that makeshift bow, the ship steamed – in reverse – some 1,800 miles across the Pacific to Australia for sturdier repairs, according to an account from the National World War II Museum in Louisiana.
Retired US Navy Capt. Carl Schuster described to CNN the remarkable skill involved in sailing a warship backwards for that extended distance.
“‘Difficult’ does not adequately describe the challenge,” Schuster said.
While a ship’s bow is designed to cut through waves, the stern is not, meaning wave action lifts and drops the stern with each trough, he said.
When the stern rises, rudders lose bite in the water, making steering more difficult, Schuster said.
And losing the front portion of the ship changes the ship’s center of maneuverability, or its “pivot point,” he said.
“That affects how the ship responds to sea and wind effects and changes the ship’s response to rudder and propellor actions,” he said.
The New Orleans’ officers would have had to learn – on the go – a whole new set of actions and commands to keep it stable and moving in the right direction, he said.
The ingenuity and adaptiveness that saved the New Orleans at the Battle of Tassafaronga enabled it to be a force later in the war.
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That insight is part of the value of having kids play with dolls that have disabilities, said Dr. Sian Jones, co-founder of the Toy Box Diversity Lab at Queen Margaret University in Edinburgh, Scotland.
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Jones and her colleague Dr. Clare Uytman study how playing with dolls and toys with a range of physical challenges can reduce systemic inequality for disabled people.
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It’s based on a theory of mirrors and windows by Rudine Sims Bishop, a professor emerita of education at Ohio State University. Bishop realized that having diverse characters in books was good for all kids: It helps children from minority groups see themselves mirrored in the lives of book characters, and it gives kids a window into the lives of others, helping them build empathy.
Jones says that when kids play with dolls that have mobility challenges, for example, it helps them identify and understand the struggles of people with disabilities whom they meet in real life.
“Barbie in a wheelchair cannot use the doll’s house in their kindergarten classroom, so they have to build a ramp in order for her to be able to access the door to their doll’s house, for example,” said Jones, who lives with cerebral palsy.
When she started her work incorporating disabled dolls into school curricula, Jones said, there were few available for purchase. She mostly had to make them herself. Now, she can buy them from big companies like Lego and Mattel, “which is wonderful.”
Mazreku says the work to design the doll was well worth it. She recently got to bring one home to give to her 3-year-old daughter.
“I brought Barbie home to her and gave her a chance to interact with her and see her things,” Mazreku said. “And she looked at me and she said, ‘She looks like Mommy.’ And that was so special for me.”
Her daughter doesn’t have type 1 diabetes, she said. “But she sees me every day, living with it, representing and understanding and showing the world and wearing my devices confidently, and for her to see Barbie doing that was really special.”
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