Everyday AI looks more like the '08 housing bubble
from n7gifmdn@lemmy.ca to technology@lemmy.world on 11 Oct 23:32
https://lemmy.ca/post/53225771

#technology

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JustJack23@slrpnk.net on 11 Oct 23:38 next collapse

Look at all those not market related bubbles

[deleted] on 12 Oct 18:41 collapse

.

FlashMobOfOne@lemmy.world on 12 Oct 00:00 next collapse

It’s objectively a bad thing when a country’s entire economy is being propped up by seven companies and the vast majority of consumer spending is concentrated in the top 1%.

gravitas_deficiency@sh.itjust.works on 12 Oct 00:11 next collapse

Hahaha this is fine, I am fine with this, what could possibly go wrong

jerebear39@slrpnk.net on 12 Oct 00:26 next collapse

Yep it’s such a fragile situation

TeamAssimilation@infosec.pub on 12 Oct 01:29 next collapse

Specially when those companies are valued in TRILLIONS. Nothing is worth trillions, somehow these surreal numbers have been accepted as hard fact.

ILoveUnions@lemmy.world on 12 Oct 01:42 next collapse

Nothing is worth trillions,

There is things worth trillions. Like full countries, and the largest pension funds and social security funds. Having a single company be comparable to those massive collections of people is insane, and it’s because they think it can replace workers–when it can’t, not yet, and not for a long time

sirboozebum@lemmy.world on 13 Oct 12:20 collapse

Production must equal Consumption plus investment.

An excess of production leads to companies closing down.

Reducing consumption (via getting rid of workers, reducing wages, etc.) will lead to an imbalance that must correct itself.

This can be forestalled by private debt, government debt or exporting the surplus but this is unsustainable.

IllNess@infosec.pub on 12 Oct 01:54 collapse

Evaluations of everything is crazy. Net worth of celebrities with make up lines in particular is crazy. Look how many celebs are worth a billion dollars. To be worth that much, they should be selling at least $50 millions a year of product with no prediction of winding down.

queermunist@lemmy.ml on 12 Oct 04:33 next collapse

The most optimistic take I’ve seen: AI is a drain on the entire economy that sucks up all investment and this is why the rest of the economy is basically in a recession. Once the bubble pops, investors will flood back into the real economy and correct the problem.

I’m not optimistic.

dragonfucker@lemmy.nz on 12 Oct 05:35 next collapse

Can the AI bubble please suck up all the housing investment?

halcyoncmdr@lemmy.world on 12 Oct 07:38 collapse

The way to make a big dent in that is to tax unused housing, with peogressivwly increasing amounts as they continue unoccupied. And limit or outright deny ownership by companies and investment firms.

We have more than enough housing for everyone, but a large portion of it sits unused. In many cases only because no one will/can pay what some of these companies are demanding monthly for them.

jabberwock@lemmy.dbzer0.com on 12 Oct 12:04 collapse

I’ll play devil’s advocate here: agreed that the rest of the (US) economy seems to be slowing or shrinking but remains buoyed by AI / Mag 7 stocks. That said, a lot of the investment reflected above is in data centers and hardware (Nvidia, Coreweave, Oracle, Microsoft).

The bubble pop will hinge on whether there is value in this data center buildup beyond AI. Unless everyone starts paying fistfulls of cash for AI chat, these companies may be able to find another use for all that compute and avoid a total crash. That could be a target for all that investment you mention.

queermunist@lemmy.ml on 12 Oct 15:38 collapse

The hardware is specialized for chatbots, it’s not just something they can plug-and-play for other use cases. That means using it for other computing tasks is even less efficient per kWh and per litre of water, which will make it hard to justify the resource requirements.

Surely some of this hardware can find new life, but assets will be stranded.

Cethin@lemmy.zip on 12 Oct 07:02 collapse

Basically Dutch Disease.

Valmond@lemmy.world on 12 Oct 08:10 collapse

I feel money itself is our new Dutch disease. We live and die according to the flux of money in the global economy/stock markets…

Are there any theories like that out there? Because money start to no longer function correctly IMO.

adespoton@lemmy.ca on 12 Oct 00:27 next collapse

Looks more like the dot com bubble to me.

Is it just me, or are the bubbles coming closer together these days?

henfredemars@infosec.pub on 12 Oct 00:57 next collapse

Yes! The problem is that we won’t accept the full correction that is actually required. We print money, we buy securities, we find ways to prop to reduce the pain but we end up shifting the weakness to other areas of the economy.

Reverendender@sh.itjust.works on 12 Oct 01:40 next collapse

Like onto tax paying individuals

WanderingThoughts@europe.pub on 12 Oct 02:05 next collapse

The amounts going around now are getting too big for a government to cover. Instead of too big to fail, they’re now too big to bail.

henfredemars@infosec.pub on 12 Oct 02:24 collapse

Nonsense. We can print an unlimited amount of dollars.

eatCasserole@lemmy.world on 12 Oct 02:50 next collapse

Well if they want to devalue the US dollar…that’ll do it.

henfredemars@infosec.pub on 12 Oct 02:55 collapse

Last time I checked gold and silver were at all time highs and the dollar was down more than 10% YTD.

WanderingThoughts@europe.pub on 12 Oct 08:35 collapse

That sure sounds like “to save the economy, we need to destroy the economy”.

architect@thelemmy.club on 12 Oct 04:58 collapse

Yep so now when it hits it’s going to be really bad.

MonkderVierte@lemmy.zip on 12 Oct 09:48 next collapse

Global economy has inflation since what, middle of the last century? Since slavery and colonies stopped being a thing?

NuXCOM_90Percent@lemmy.zip on 12 Oct 21:18 collapse

Is it just me, or are the bubbles coming closer together these days?

Yes and no.

Yes in the sense that we have a lot more “fad” economies. There is something new so that needs to be EVERYTHING and the market course corrects, often at the cost of hardship for many.

But “no” in the sense of what “bubbles” tend to refer to. Things like the Japanese Bubble Economy where it causes (I forget if it is officially one but) recessions and even depressions.

The AI Bubble is not going to do that (on its own…). Yeah, a LOT of companies are going to be left holding the bag when they realize LLMs can’t solve all problems for them AND manifest a Cyber Stana Katic to give them a blowie while it does that. But what will they be left with?

  1. A LOT of “prompt engineers”: This is bad because that is going to be a LOT of people who, increasingly, went to school to get a degree in something with very little utility. That said… Art History majors have been showing us how to do that for decades and at least they did something they loved on their way to service industry jobs.
  2. For the companies that gutted their workforce over the past few years: A need to rapidly hire talented workers who don’t require ChatGPT to do their job: This is REALLY good for the people who have been hurting and should actually lead to a lot of job mobility… for the old hats who predated this fad
  3. For the companies that purchased hardware: A lot of edge computing devices are going to be of questionable value. But for the folk who “just” bought a shit ton of GPUs from Daddy Jensen? They have a shit ton of GPUs they can either sell for cheap (not horrible) or repurpose (good)

Don’t get me wrong. There is going to be upheaval and it is going to be bad. But it is also important to remember that drawings like the above are actively misleading and bordering on manipulative. Because basically all the biggies, except OpenAI, have non-AI uses. Oracle ballooned massively because of the OpenAI injection but… they are still god damned Oracle. Same with nVidia who, when they aren’t powering every LLM on the planet, are also one of the companies that makes all the cards that power stuff like computer vision and the like in cars and what not.

Because… remember the dot com bubble? Remember how basically the entire world still runs on The Internet? It was just a case of rebalancing and pivoting for the most part.


All that said… the US is in a really bad way because the fascists have been increasingly gutting the economy and stopping basically any industry that involves manufacturing or communicating with external countries. We are gonna have a massive stock market crash when OpenAI et al pops…

Kyle_The_G@lemmy.world on 12 Oct 00:27 next collapse

nvidia500

Gork@sopuli.xyz on 12 Oct 00:33 next collapse

It’ll crash when there isn’t enough electric power to fulfill all those contractual obligations.

SaharaMaleikuhm@feddit.org on 12 Oct 06:02 collapse

They will just cut power to people’s houses. What are the Americans gonna do? Rise up and rebel? lol

Eyekaytee@aussie.zone on 12 Oct 00:50 next collapse

this looks nothing like a cdo

thatKamGuy@sh.itjust.works on 12 Oct 02:22 collapse

Oh, but you can bet your bottom dollar there are still something like 20:1 ratio of dark-market bets synthetic collateral against these shares further underpinning valuations.

Legitimately fear that this will make the ‘08 meltdown look quaint in comparison, as the fiscal stress will not be limited to shares but impact loads of financial instruments (home and car loans, retirement accounts etc.).

osaerisxero@kbin.melroy.org on 12 Oct 03:35 collapse

It's the 20s right now my dude, there is only one way this ends: Great Depression 2: AI Boogaloo

pinball_wizard@lemmy.zip on 12 Oct 02:23 next collapse

They do look like bubbles.

plyth@feddit.org on 12 Oct 05:40 next collapse

Who is paying? If every workplace needs a $100 or even $1000 per month license then those values are justified.

The people using the AI are training the AI. In 2 years, no competitor can enter the market because they don’t know what to do.

Only Nvidia could be overvalued because at some point, OpenAI can design their own chip.

raspberriesareyummy@lemmy.world on 12 Oct 06:23 next collapse

  1. it’s not AI, regardless of how many idiots repeat that bullshit. It is machine learning with glorified pattern recognition.

  2. Why would anyone want to enter the market? It has no practical use that justifies the energy consumption. Because it is not targeted, for every individual application, there are much more efficient ways to accomolish the same/better results for much less energy.

plyth@feddit.org on 12 Oct 06:34 collapse

It’s good enough to answer most questions and it will only get better. Even if it is not AI it is a tool that knowledge workers use and will need to stay competitive.

And looking at the size of EU investments, only China will build competitors so these companies will own the market.

raspberriesareyummy@lemmy.world on 12 Oct 09:21 collapse

It’s good enough to answer most questions and it will only get better.

Reality indicates the opposite.

Even if it is not AI it is a tool that knowledge workers use and will need to stay competitive.

People who use machine learned systems to handle “knowledge” will dilute actual knowledge with billions of factual errors and fuck up mankinds knowledge base.

vithigar@lemmy.ca on 12 Oct 06:42 collapse

They’re all paying each other. That’s literally the point this image is trying to express.

What’s especially insane is that the companies that are actually providing the service to end users, i.e. Coreweave et al, are not the ones seeing massively inflated prices, contrary to your point about the monthly fees justifying the higher evaluation.

plyth@feddit.org on 12 Oct 07:19 collapse

Why should the fronts have inflated prices? The AI companies can squeeze them at any moment.

BC_viper@lemmy.world on 12 Oct 05:49 next collapse

So the real problem with calling it a bubble is that countries can’t stop investing in it. It definitely has bubble like qualities, but we have hit a point where we can’t stop investing in it. It’s more an arms race then a bubble.

LustyArgonianMana@lemmy.world on 12 Oct 06:17 next collapse

Anyone notice how far crypto dropped? I think Tesla’s next, then maybe AI at same time or right after

maus@sh.itjust.works on 12 Oct 07:23 next collapse

Zoom out past a week? 5-10% swings are not uncommon.

TomArrr@lemmy.world on 12 Oct 07:31 next collapse

Isn’t crypto being massaged by trump atm, so erratic is kinda the new normal? (And, not erratic from trumps view)

Alaknar@sopuli.xyz on 12 Oct 09:40 next collapse

Wasn’t that just a temporary drop so that some whales could get richer on shorts?

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 11:06 collapse

Crypto had it’s black monday.

The fall may have been accelerated by portfolio insurance hedging (using computer-based models to buy or sell index futures in various stock market conditions) or a self-reinforcing contagion of fear

Algorithms and feedback loops gummed up all the crypto exchanges and liquidity disappeared.

The crypto tide went out and we all saw who wasn’t wearing any shorts.

vermaterc@lemmy.ml on 12 Oct 06:55 next collapse

So how dangerous is that really? I assume one day we’ll finally see investors saying, “Nah, that’s a bubble. I’m not gonna see any returns from those companies - I’m selling.” Then stock prices will fall, and some investors will lose money by selling for less than they bought. After that, AI unicorns will start to lose funding and close their businesses, laying off people.

But will I - a person who does not work in the AI industry and has not invested in AI companies - be affected by this?

InFerNo@lemmy.ml on 12 Oct 07:10 next collapse

Were you affected by the dotcom bubble?

Maybe the remaining tech companies, such as Microsoft and Nvidia, might raise prices of their products to cover the losses.

umbrella@lemmy.ml on 12 Oct 07:26 collapse

nvidia cards would cost as much as a good used car.

firebyte@lemmy.world on 12 Oct 13:49 collapse

They already do.

sobchak@programming.dev on 12 Oct 07:26 next collapse

I don’t know the answer, but during 2008 onwards (seems like the economy didn’t fully recover until the end of Obama’s presidency), every industry slowed down. Was hard for me to get a fast food job or consistent minimum wage assembly line work through temp agencies. Things can go into vicious positive feedback loops during downturns (investors afraid to invest due to bad economic outlook -> factories and such don’t get built or expanded -> unemployment rises -> people spend less -> companies start laying off -> economic outlook worsens -> investors selling and moving to "safer’ assets -> …). The entire banking system pretty much imploded during 2008; I don’t know how much exposure banks have to AI (commercial real estate is another thing to worry about though). With any luck the AI crash would be more like the dot-com crash, which mostly just hurt one industry (but I remember my father talking about factory layoffs during that too).

Lucelu2@lemmy.zip on 12 Oct 18:47 collapse

My family lost a great deal of invested wealth in that 2008 crash with the death of Mellon Bank. It does not seem like a lot today but … if it had been invested in say Chase or G-S… it would have probably been double what it was by now. I am sure my dad was twisting in his coffin when that happened. I am glad he did not suffer that when it happened (he died in 2005).

cyberwolfie@lemmy.ml on 12 Oct 07:43 next collapse

Pension funds are to a large extent exposed to the stock indices. Since these companies grow and grow in valuation, a larger portion of pension funds are exposed to these companies. The so-called “magnificent seven” make up about 35% of the US stock market now. A lot of people will see a large portion of their pension savings affected by this. If you are not a US citizen, you sre still likely exposed to these companies.

null_dot@lemmy.dbzer0.com on 12 Oct 07:44 next collapse

Yes, you absolutely will be effected.

In a general way, the plebs always do the heavy lifting - a universal truth since the dawn of time.

More specifically, your pension / 401k will lose a heap of money.

As the economy contracts there will be lay offs.

That means loan defaults, et cetera.

msage@programming.dev on 13 Oct 06:16 collapse

Pensions in the stock market are the hostage, and are being used as an excuse against regulations.

Fuck all of that.

Redex68@lemmy.world on 12 Oct 09:52 next collapse

One thing people didn’t mention is that I’m pretty sure the top 10% of Americans by income make up 50% of consumption because of the heavily K shaped revovery that has happened. These Americans have a large percentage of their wealth in stocks, and if the stock market crashes, they will feel less wealthy and less willing to spend, decreasing their spending, tanking the US economy.

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 11:01 next collapse

Boo hoo. Rich people become less rich.

boonhet@sopuli.xyz on 12 Oct 11:17 next collapse

And the poors lose their jobs but who cares lmao they should just eat cake

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 13:14 collapse

You are white knighting the poor to protect your own ass(ets).

Trickle down economics is bullshit

boonhet@sopuli.xyz on 12 Oct 17:37 collapse

No, actually when people stop buying things and companies close down, I’m pretty sure the employees of said companies lose their jobs.

It sucks but that’s capitalism for you.

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 17:43 next collapse

But if AI pops then that doesn’t mean that people will stop buying things.

Very few people are employed by the AI industry. Most people’s income won’t change. Most people’s consumption won’t change.

boonhet@sopuli.xyz on 12 Oct 22:08 collapse

Poor people don’t have money to spend on much else than food and housing. Anyone with money is going to have stocks in these companies.

Also the AI industry is Microsoft, Meta, Google, Nvidia, AMD and a few others. They employ quite a few people.

Knock_Knock_Lemmy_In@lemmy.world on 13 Oct 05:04 collapse

So we agree. Poor/ middle class people only hold stocks for retirement. AI bubble popping has no effect on them. The are exactly as they were pre-AI bubble.

Only rich people care about the current stock values. Only rich people are scared of an AI bubble. Only rich people are attempting the “too big to fail” FUD. Big Tech are not banks. There is no knock on effect.

AWS have now had enough outages that any serious company has migration plans and redundancies. If Google fails then the infrastructure stays running even if the current shareholders lose their shirts. The employees that are needed to bring in cash will not lose their jobs.

Lucelu2@lemmy.zip on 12 Oct 18:41 collapse

The best thing us poors in the US can do is eliminate our consumer debt, pay it off or do a bankruptcy and pray(hope really hard and vote) we do get a president who can effectively forgive student debt. This means no spending, strict budgeting and eliminating any and all subs, discount phone, etc. If you are already there, getting more paid work if possible.

Redex68@lemmy.world on 12 Oct 12:13 collapse

You do realise that if 50% of consumption disappears then a lot of people from that 90% will loose their jobs as well. I don’t care about the 10%, I also think the income inequality in the US is insane, but the fact is that if AI stocks tank right now, poor people will feel it as well (much more so than rich people, because they can’t survive without a job and don’t have wealth as a safety net)

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 13:13 collapse

You are talking yourself into trickle down economics. There is now plenty of evidence that this isn’t true.

There is no need to protect rich people’s wealth so that the poor don’t suffer

Redex68@lemmy.world on 12 Oct 14:06 collapse

I don’t understand what your point is? I’m merely expanding on OP’s question and stating the fact that the way things are currently, when the AI bubble bursts poor people will feel it the most. Trickle down economics doesn’t work because if you give 100 bucks to a rich person, they’ll spend like 5 of it. If you give it to a poor person, they’ll spend all of it. But that has nothing to do with the fact that if the bubble bursts right now, poor people aren’t going to somehow get any of that money. They will loose their jobs, because the economy slowed down and nobody is buying anything and their jobs aren’t needed anymore. They will just suffer more and rich people will buy up their houses that they now have to sell at bargain prices.

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 14:57 collapse

They will loose their jobs, because the economy slowed down and nobody is buying anything and their jobs aren’t needed anymore

No.

The AI debt creation and investment is not of any benefit to the working class (except for a few construction workers). These data centers don’t create 1000s of jobs. Windsurf has 250 employees. Cursor has 30.

This AI bubble is not affecting general income, only assets. As it doesn’t hit income, it doesn’t hit consumption. Poor people earn and consume. They are asset poor.

A pop in the AI bubble will damage the billionaires, but not the poor.

Redex68@lemmy.world on 12 Oct 15:22 next collapse

But I’m not saying the jobs lost by AI companies collapsing is gonna cause a recession, I’m saying the AI bubble collapsing, bringing down the stock market with it, will cause a recession and loss of jobs. 35% of the S&P is made up of stocks in the top 7 US tech firms. The stock market is extremely skewed towards these 7 firms, and a large part of their current evaulation is made up from speculation of potential AI returns. When the bubble bursts, everyone who is invested in these firms will feel it. As I said, the top 10% of Americans make up 50% of consumption, can’t find a confirmation but I think that’s the highest in modern history. If this 10% suddenly looses 30-40% of their wealth because a stock market crash, this consumption will be severely affected. They won’t buy as many fancy goods, won’t go on expensive vacations, in general will do much less. We can argue whether having a class of people like that benefits the economy or not, I’d say it doesn’t, but the fact of the matter is that if the stock market were to crash because of AI companies, everyone is affected, because of how much money the 10% spend.

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 16:24 collapse

35% of the S&P is made up of stocks in the top 7 US tech firms. The stock market is extremely skewed towards these 7 firms, and a large part of their current evaulation is made up from speculation of potential AI returns. When the bubble bursts, everyone who is invested in these firms will feel it.

This wasn’t always true. When the bubble bursts the S&P investors will revert back to a more realistic valuation. AI bursting won’t affect LLY, JPM, WMT, COST etc.

Nothing of value has been lost. People just have the wrong anchor points.

As I said, the top 10% of Americans make up 50% of consumption, can’t find a confirmation but I think that’s the highest in modern history.

These 10% are consuming their income, not their wealth. An AI stock crash will have little to no effect on their income. (Except for the small proportion actually employed in AI research).

Lucelu2@lemmy.zip on 12 Oct 18:43 collapse

Those data centers drive up energy costs for us and increase global warming. They don’t help at all. Plus AI steals IP of creatives.

Knock_Knock_Lemmy_In@lemmy.world on 12 Oct 18:47 collapse

Totally agree. But this thread was talking about what happens when the AI bubble pops.

1984@lemmy.today on 12 Oct 11:19 next collapse

Trump is a much bigger threat to tanking the US economy. He is working in that direction every day. Tariffs are horrible for the economy. Sure, he gets American factories built and jobs are created but things overall are going to be much more expensive for consumers.

Redex68@lemmy.world on 12 Oct 12:17 collapse

I agree, but that’s just another factor, and it will also cause the stock market to crash, among other things.

Also, the worst thing is he won’t get American factories to be built. Maybe one or two, but no one in the right mind is going to relocate large amounts of manufacturing to the US when tariffs are coming in and out of effect all the time. Tariffs only work for increasing manufacturing if companies believe they will last a long time. If companies think a tariff will last a month or a year, there’s no point in making a factory that will take two, three years to build and then five years to become net profitable, because by the time the factories finished and the tariffs are gone, everyone that still has a factory outside of the US will just out compeat that factory with lower prices.

Lucelu2@lemmy.zip on 12 Oct 18:35 collapse

I think the top 10% are author of more than 50% of the spending/consumership. That is about to become larger.

teslasaur@lemmy.world on 12 Oct 12:39 next collapse

Your pension is tied to these companies stocks. I can pretty much guarantee that “your” pension fund owns quite a few of these stocks.

But, and this is the important part, that isn’t your pension. It is the pension for those that are retired right now. There is no saved stack of money that you earned during your life thats waiting for you. Unless there is an equal amount of tax paying workers by the time you retire, you wont be getting that pension.

Passerby6497@lemmy.world on 12 Oct 13:29 collapse

pension

I’m not sure how old you think most of us are, but I don’t think pensions are a common retirement vehicle anymore, and haven’t been for a while. 401k would probably be the modern equivalent, and it’s still running on the stock market for the majority of its life prior to beginning to withdraw.

teslasaur@lemmy.world on 12 Oct 13:31 next collapse

Pension is the correct English term. 401k doesn’t mean anything unless you’re american.

sugar_in_your_tea@sh.itjust.works on 12 Oct 16:27 collapse

Pension is the correct English term

I don’t think it is.

A pension implies benefits are distributed to the person in retirement, usually with some fixed amount per month. My understanding is that in the UK, defined contribution plans are required to be invested largely in annuities by retirement, which satisfies that, whereas in the US, 401ks don’t have such restrictions. So a 401k could be depleated well before death, or be passed on to children as inheritance, unlike an annuity. There are required minimum distributions, but they don’t kick in until your 70s.

If 401ks switched to a defined benefit plan at retirement, I could see calling it a pension. But since they’re not, I think that’s misleading, and employer sponsored plan makes more sense.

Lucelu2@lemmy.zip on 12 Oct 18:34 next collapse

I am in the US. In regard to employer based retirement, there are a few pension programs still available, mostly union based. In other corporate environments that do not offer union pensions (as they are non-union)- they offer the 401K if a for-profit or a 403B if non-profit. As you get closer to retirement, many 401K/403B recalibrate to a larger proportion of Bonds vs riskier stocks/futures. Although I also invest in some ETFs that are not pretax (only the earnings are taxable).

sugar_in_your_tea@sh.itjust.works on 13 Oct 03:00 collapse

Right. OP’s point is that they call both defined benefit (i.e. what some union people get) and defined contribution (i.e. 401k and whatnot) a “pension.” My understanding is that a “pension” is a specific amount of money paid monthly in retirement (used to also just be the wage for certain jobs, not a retirement benefit).

A quick search yielded “defined contribution pensions”, which seems to be a mix: your contributions are invested during employment, and then you get a fixed payment in retirement.

With a 401k, there’s no fixed withdrawal in retirement unless you set one up, the only thing is a mandatory minimum withdrawal at a certain age (73?). My understanding is that wouldn’t be considered a pension since the withdrawal isn’t guaranteed or fixed, and you can withdraw everything if you so choose.

Maybe I’m wrong and a pension is a looser term there, but my understanding is that a pension needs to have a guaranteed benefit in retirement.

julietOscarEcho@sh.itjust.works on 12 Oct 19:29 collapse

Not true of UK defined contribution, you can do what you want just like a 401k, though it may be disadvantagous for tax purposes.

It’s pretty normal in British English to use pension as a synonym for retirement account, though I can see why you don’t like that.

sugar_in_your_tea@sh.itjust.works on 13 Oct 03:21 collapse

Really? This is what I see with a simple search:

When you’re able to take your pension, you can choose how and when you want the money. This usually includes the option of taking up to 25% as a tax-free lump sum and using the rest to get a guaranteed or variable income.

Looking more into it, I guess it’s similar?

The 401k typically doesn’t offer the guaranteed income, though I suppose some plans could offer annuities. You can choose to take fixed payments though, but there’s no guarantee how long that will last. I don’t know what the options are in the UK, but in the US, you can do whatever you like, as long as you withdraw the minimum (percentage of assets based on your age, starting at 73).

I see a pension as having some kind of guaranteed benefit. A 401k doesn’t have that, so it doesn’t count.

julietOscarEcho@sh.itjust.works on 13 Oct 07:30 collapse

Yeah, again this is just semantics, a 401k in British English is 100% a pension. A UK defined contribution “workplace pension” is just a tax sheltered retirement account until it is annuitized, which is common and sensible but not necessary. The annuity is technically a totally different product, offered by life insurance companies (who interestingly with reference to above conversation would typically hold very little equity exposure backing it). Brits also call the equivalent to the social security retirement benefit the “state pension”. It’s a catch all for assets you use in retirement. Whether that’s used to fund an investment drawdown product or a life annuity or just taken out and splurged on a Ferrari makes no difference.

sugar_in_your_tea@sh.itjust.works on 13 Oct 12:13 collapse

Interesting. I think people here would agree Social Security is a state pension, we just only call it by its name.

A pension specifically refers to a plan that makes consistent payments throughout retirement and stops at death (or may pass to the surviving spouse until their death). Anything else is a retirement plan if it’s tax sheltered until some age, or an investment account if it’s not.

I hear annuities are unpopular here, most seem to prefer either a dividend strategy, or sell securities as needed to cover whatever Social Security doesn’t.

julietOscarEcho@sh.itjust.works on 12 Oct 19:32 collapse

About half of the US population is enrolled in a pension even today…

www.unpri.org/…/5990.article#%3A~%3Atext=The+US+i….

scarabic@lemmy.world on 14 Oct 00:51 collapse

One reason it’s dangerous is that the rest of the economy sucks, so AI is masking bigger problems which will become evident and tumble out of control when the money has nowhere left to go.

MourningDove@lemmy.zip on 12 Oct 07:26 next collapse

It needs to burst into non-existence.

NigelFrobisher@aussie.zone on 12 Oct 07:51 next collapse

Christ, I thought Everyday AI was going to be yet another stupid AI company.

ATS1312@lemmy.dbzer0.com on 12 Oct 08:43 next collapse

But where is Palantir on this? Because they’re discernibly connected to several of these orgs, and that displays the character of what this is actually about.

corsicanguppy@lemmy.ca on 12 Oct 09:36 next collapse

Everyday Ai

IS there a mundane, everyday Ai ?

shane@feddit.nl on 12 Oct 12:39 collapse

License plate readers? Facial recognition? Speech recognition?

rising_man@lemmy.world on 12 Oct 09:40 next collapse

More like the 2000s bubble.

ordnance_qf_17_pounder@reddthat.com on 12 Oct 10:46 next collapse

Burn it all to the ground

balsoft@lemmy.ml on 12 Oct 10:58 next collapse

This doesn’t really tell me anything, I’d have to compare it with other charts. E.g. what does the chart for agriculture look like? Airplane manufacturing? Internet in early 2000s?

Gladaed@feddit.org on 12 Oct 11:52 next collapse

Great point.

gandalf_der_12te@discuss.tchncs.de on 12 Oct 12:09 next collapse

All the economy is a big circle if you draw the circle big enough.

Actually scratch that. There is an economy that is not just one big circle jerk, such as the development of new technologies or the terraforming of deserts into fertile land; as neither of these things ends the way it started; it brought lasting change, and that is true progress.

Actually did you see my presentation that i made about this recently?

<img alt="" src="https://discuss.tchncs.de/pictrs/image/2fc521f2-df24-4782-a24f-a9fe17afcd92.webp">

<img alt="" src="https://discuss.tchncs.de/pictrs/image/86f97397-6d64-4485-baf5-de856621dbc6.webp">

<img alt="" src="https://discuss.tchncs.de/pictrs/image/0d6b2c5d-910b-4e35-90d8-28f06c30468f.webp">

<img alt="" src="https://discuss.tchncs.de/pictrs/image/613bd371-fe63-499c-8e70-b40552f7cc6a.webp">

The point is to convince the americans to invest in new technologies.

To all those who say that human spaceflight is impossible:

<img alt="" src="https://discuss.tchncs.de/pictrs/image/060de827-fff0-4c1e-b696-cd39aa7a80da.png">

shane@feddit.nl on 12 Oct 12:36 next collapse

Europeans caused massive death in the Americas. I do not think we should replicate that model.

Also, the chance is small, but there might have been a separate biogenesis (beginning of life) on Mars. Sending humans with our dirty microbiome would almost certainly wipe any evidence of that, and possibly cause an extinction of an entirely separate form of life, which would be a crime even more horrible than the extinctions and genocides which we have caused so far.

Let’s just leave Mars alone until we’ve studies it more and are certain there is no life. Colonizing the moon seems challenging enough for a couple centuries…

balsoft@lemmy.ml on 12 Oct 12:45 next collapse

There is no good economic reason to colonize other planets. We have plenty of space here on earth, with conditions already much more hospitable than that of mars - deserts, for example. The resources needed to turn these into habitable land is so much less than the resources required to make even a tiny part of Mars inhabitable (i.e. establish a colony that relies on life support systems) it’s insane to go for Mars first. The reason colonizing Mars is talked about at all is because a rich white dude wants to go to Mars, since deserts are too boring for his spoiled ass.

I actually agree that it would be cool if we went to Mars, not to colonize it but just to be there. But comparing it to white pillaging of the Americas is just incorrect. Mars is not inhabitable by humans, the Americas very much were. The external resources needed to colonize America were zero, in fact pillaging local lands meant a lot of resources for the Empire. Mars is going to be a much more expensive and much less profitable endeavor.

Actually I replied to you before, pointing out the very same fallacy: lemmy.ml/post/33824723/20134917

humanspiral@lemmy.ca on 12 Oct 21:40 collapse

deserts, for example.

floating ocean platforms as well

vaultdweller013@sh.itjust.works on 13 Oct 02:14 collapse

Only slightly better than mars, frankly speaking the ocean is about as hostile as you can get without going to space. Maintenance alone would be a fucking nightmare, look at cruise ships or oil rigs for example and you can get a pretty good idea. Unless you are talking about artificial islands since we’ve been doing that for millenia.

AppleTea@lemmy.zip on 12 Oct 16:58 collapse

Settling mars is a centuries long undertaking. You basically have to nurture a whole ecosystem from scratch… that would be a brutally difficult and lengthy process in the best of conditions. But of course, these aren’t the best conditions. We aren’t doing particularly well with the ecosystem we’ve already got.

If you want a historical project, then look to balancing modern industry within the planet’s biosphere. It’s a prerequisite to anything happening on mars.

jumping_redditor@sh.itjust.works on 13 Oct 02:39 collapse

have you considered that throwing more planrts at the problem eliminates the need for sustainability

Djehngo@lemmy.world on 12 Oct 12:24 next collapse

I think it’s hard to definitely call something a bubble until it pops.

The definition of a bubble goes something along the lines of market prices exceeding the intrinsic value of the investment they represent, which may be true here?

If you want to read more about this the rough name for these companies was “the magnificent seven” a year or so ago when I last looked at this. A quick Google suggests represent about a third of the SNP 500’s value now and have a cape ratio (cyclicly adjusted price to earnings) of ~37 compared to 15-20 being normal.

Edit: the above baseline is incorrect; see sugar_in_tea’s comment for a more accurate baseline and some interesting counterpoints

I can’t find a good numerical source for the correlated risk within this group, and I suspect analyzing it is very difficult. Given they all used to be a lot more diversified in the past but now a large % of their valuation is predicated on AI historical correlation analysis probably fails. But the diagram linked here suggests it’s probably bad to put all your money in these companies. (Or even a 3rd if you are in an s&p 500 index tracker 😶)

Like, none of this definitively says this is a bubble, since if it were possible to divine that the bubble would immediately pop, but it does suggest there is a strong likelihood we are seeing a bubble.

sugar_in_your_tea@sh.itjust.works on 12 Oct 13:59 collapse

~37 compared to 15-20 being normal.

15-20 was normal for the 100 years ending 40-50 years ago. But of we look at the last 40 years or so, the CAPE has been higher, suggesting that we don’t know how what “normal” looks like going forward. More people are buying stocks than ever before due to retirement plans and poor bond yields, which pushes up the PE.

So whether ~40 is high for a PE going forward isn’t clear. The CAPE hit ~45 in the 2000 crash, and reverted to ~20 after the crash, yet the 2008 crash only hit ~26 and crashed down to ~14 and quickly bounced back to ~20. The 2008 had little to do with CAPE and more to do with corruption in the banking industry, whereas 2000 was almost purely oversized hype in the burgeoning tech market.

So is the normal range 20-30? Idk. Maybe 20 is actually low going forward, it’s unclear. Either way, 40 isn’t as outlandish as it was in the 2000s, and that pushed up to 45 before crashing.

there is a strong likelihood we are seeing a bubble.

Agreed. But if you drop out of the market and invest in other stuff, you would miss whatever the rest of the runup will do before it bursts, which could leave you worse off than someone just investing in the entire market by market cap. Ot could continue to run for 10-20 years, or it could pop this year, it’s impossible to know since it relies heavily on investors continuing to believe the hype and companies continuing to have something to back up that hype.

Djehngo@lemmy.world on 12 Oct 14:31 next collapse

Valid, I got 15-20 from a Google search, but further research puts your numbers as more reasonable, I will edit the patent post.

sugar_in_your_tea@sh.itjust.works on 12 Oct 16:31 collapse

I don’t think anyone should trust my numbers either. Here’s the CAPE data, make your own decision as to whether the CAPE ratio makes sense going forward.

humanspiral@lemmy.ca on 12 Oct 21:26 collapse

CAPE is a weird measure in that it looks at last 10 years of earnings for PE ratio. It is not especially relevant in that a fair expectation for next year’s earnings is this year’s earnings. It is intriguing that there wasn’t significant earnings growth levels in the past, though, which because PE based on this year’s earnings would have high CAPE if high recent growth.

humanspiral@lemmy.ca on 12 Oct 21:17 collapse

But of we look at the last 40 years or so, the CAPE has been higher, suggesting that we don’t know how what “normal” looks like going forward.

As you listed, crashes lead to sub 20 PEs. Mag7 PEs is not representative of Russel 2000 PEs. High PEs expect high growth for long period. Reality checks usually happen, but PE’s are not universally high. Just with the oligarchs with White House guest passes.

sugar_in_your_tea@sh.itjust.works on 13 Oct 03:08 collapse

crashes lead to sub 20 PEs

The 2000 crash didn’t though, it was just over 20 at the trough. Jan 2003 was 21. That was almost as high as the peak in the 60s, and higher than the moment before Black Monday. So the market reverted to a mean that would be considered a peak just 20-30 years prior. 15 used to be a good marker for “average,” and now that’s the marker for the Great Recession.

Crashes used to lead to sub-10s, and now they crash to 15-20. The market has fundamentally changed with 401ks and IRAs.

scarabic@lemmy.world on 13 Oct 23:22 collapse

I know right? It’s not a bubble if there are transactions between the different companies in an industry. Nothing here shows that these investments are self-supporting circular, nor that all of this is propping up the economy.

Circle != bubble

1984@lemmy.today on 12 Oct 11:15 next collapse

I dont think we are in a bubble and I think all the media posts about it are just trying to make people sell their shares.

Sure there is no obvious profit yet but there will be. Once people start using AI in their phones and ask it questions, everything from baking to coding becomes way easier since its an interactive conversation, not a search result.

People will pay for that convenience since its a huge downside to not have access to it. Search results now seem very limited to me since I cant find out more about what its saying.

Kewlio251@midwest.social on 12 Oct 11:48 next collapse

Literally the entire point of searching something is to open up the links and find out more about what it’s saying… Do you need your AI to come up with the search queries too???

1984@lemmy.today on 12 Oct 11:50 collapse

Its not interactive. Did you read my comment?

If you dont understand why people are going to pay for that, I dont know what to tell you.

Thats literally the entire thing about Ai, you can have a conversation, not static text and links.

M1ch431@slrpnk.net on 12 Oct 12:03 collapse

The technology (at least with current methodologies) is flawed: that’s why people are warning of the bubble bursting. We can’t properly scale LLMs on our current grid in the same capacity as China. Our technologies are also incredibly energy-intensive compared to their technologies.

There is no intelligence, the hallucinations are likely fundamental, the cases of people being given dangerous or harmful advice are rising, human AI psychosis is a real concern, the sycophancy/bias confirmation is still present, and major actors in the AI space are existentially afraid of any form of regulation of the technology/industry (which does not signal confidence).

Also, it’s critical to factor in the whole copyright issue with training data… one domino is all it takes to collapse the whole thing.

1984@lemmy.today on 12 Oct 12:20 collapse

These things will evolve and change and improve, as always. When the first car was invented, there wasnt any proper roads for cars. Things change.

Copyright issues are not going to be an issue at all when entire countries are trying to get first to AGI. Nobody cares about that.

Hallucinations are flaws that will eventually be fixed, and the more gpu power that is available, the easier it will be to fix.

M1ch431@slrpnk.net on 12 Oct 12:29 collapse

Are you personally invested in the AI/LLM space? I’m wondering why you chose to engage with very few of my arguments. Is your account a troll account? If you’re not trolling: re-read. I will not engage further until you adequately address my points.

I was pretty clear: there is no intelligence. AGI is an absolute pipe dream and it will also be a far cry from actual intelligence if you look into it. Hallucinations won’t be fixed unless the technology evolves - adding more GPU power won’t be able to fix it.

The copyright theft is an extreme issue, regardless your hand-waving of it. Copyright law reform is not perceivably on the table. Major companies are caught red-handed stealing and these companies have no intention of compensating the rights-holders they stole from.

jabberwock@lemmy.dbzer0.com on 12 Oct 12:09 next collapse

I think you are overestimating the amount people will pay for convenience or cling to their old ways.

Did e-readers kill the bookstore? Some people will always prefer to cook out of a book or dive into docs to write code.

Or look at the modern streaming landscape. In the beginning there was basically Netflix and everyone was fine paying that monthly fee for the convenience of streaming basically everything. Now we have 20+ vendors all charging for some subset of content. And we have seen a corresponding loss in subscribers as people hit the limit of what they are willing to pay for convenience.

dil@lemmy.zip on 12 Oct 12:25 collapse

they’re giving out ai memberships and trials constantly to try to get ppl used to it paying for it, hasnt worked, ngl I generate images ocsssionaly I like seeing random mashups sometimes, but id never pay for it if its free and fast why not, I was never gonna pay anyone to do it and im not selling anything, dont get why ppl get all pissy when ai is used for self entertainment

nutsack@lemmy.dbzer0.com on 12 Oct 12:14 next collapse

doesn’t look a goddamn thing like the housing bubble

PmMeFrogMemes@lemmy.world on 12 Oct 12:50 next collapse

but the circles

sugar_in_your_tea@sh.itjust.works on 12 Oct 12:52 collapse

Can confirm, circles look like bubbles.

UltraGiGaGigantic@lemmy.ml on 14 Oct 03:24 collapse

Got em

JcbAzPx@lemmy.world on 12 Oct 15:28 next collapse

More like the .com bubble but much worse.

CheeseNoodle@lemmy.world on 12 Oct 16:45 collapse

I suppose similar in the sense that the housing bubble involved a bunch of rich idiots speculating on bad debt that had been vaguely washed to make it look good and now we have a bunch of rich idiots speculating on AI based on vague promises that it’ll be good.

slaacaa@lemmy.world on 12 Oct 12:23 next collapse

This is fine 🐶☕️🔥

Blackmist@feddit.uk on 12 Oct 12:26 next collapse

I’ll just wait for the movies to come out ten years later telling us exactly how they all lost our money again.

Cosmonauticus@lemmy.world on 12 Oct 12:43 next collapse

And no one with any influence will learn from it. Then it happens all over again

Blackmist@feddit.uk on 12 Oct 15:32 collapse

Almost like they’re not losing it, but stealing it.

RedFrank24@lemmy.world on 12 Oct 17:05 next collapse

Will it have Margot Robbie in a bathtub?

Blackmist@feddit.uk on 12 Oct 17:18 collapse

It’d better!

jumping_redditor@sh.itjust.works on 13 Oct 02:40 collapse

bad on you for letting them use your money

Blackmist@feddit.uk on 13 Oct 07:27 collapse

I don’t think you’ll find a public company right now that isn’t balls deep in the slop machines, desperately trying to offload staff in favour of machines that can’t do the jobs.

jumping_redditor@sh.itjust.works on 13 Oct 08:06 collapse

do steel mills have AI integration yet? and are there publicly traded steel mills?

Blackmist@feddit.uk on 13 Oct 09:16 collapse

Are there many left where you are? The UK has one plant left, and we had to take it over so it didn’t close completely.

I guess it’s quite handy to have a steel plant if war breaks out and you’re not relying on China for it all…

jumping_redditor@sh.itjust.works on 13 Oct 21:26 collapse

the us has a couple steel mills still (more than 4 companies) and a few are publicly traded www.nyse.com/quote/XNYS:WS

Jaysyn@lemmy.world on 12 Oct 12:47 next collapse

Except it’s 17x larger & will take the entire US GDP with it.

fortune.com/…/data-centers-gdp-growth-zero-first-…

arararagi@ani.social on 12 Oct 12:58 next collapse

Please let this happen.

panda_abyss@lemmy.ca on 12 Oct 13:04 next collapse

The GDP issue is not because of the AI bubble, it’s because of tariffs and the complete destruction of US soft power abroad

Passerby6497@lemmy.world on 12 Oct 13:25 next collapse

And I would almost bet the crash will be about the time the Dems take power, just so the Republicans can whine about the situation they created and blame the Democrats for it.

ShaggySnacks@lemmy.myserv.one on 12 Oct 15:07 next collapse

The problem with this theory is that it assumes Republicans will give up power to allow the Democrats to govern.

The part of Republicans blaming Democrats is spot on.

humanspiral@lemmy.ca on 12 Oct 20:42 collapse

GOP without fail always wrecks the economy, in what gets forecasted as the last time they will ever be trusted with power again. Dems just get 51% of votes anyway.

HugeNerd@lemmy.ca on 12 Oct 15:02 collapse

Is “US soft power” a euphemism for sowing destruction and proxy wars everywhere? Or do you mean things like the awful show NCIS being barely disguised pro-Israel pro-war propaganda? Like that?

Saryn@lemmy.world on 12 Oct 15:34 collapse

I won’t touch the entertainement / Hollywood reference to soft power as that deserves a discussion in its own right.

But as someone who works with … or used to work with US diplomats abroad on a daily basis, I would urge you to educate yourself and people around you about the myriad of activities that US diplomats are engaged in. Contrary to conventional ‘wisdom’, US foreign policy consists of a lot more than bombing the Middle East and supporting Israel. Nobody talks or knows about all of the other things but I can tell you for a fact that American diplomats were (and in some cases still are) helping a lot of people in Eastern Europe. We were helping a lot of people. Shelters for the homeless, schools and museums for kids, whole new campuses for universities, orphanages, adn the list goes on, and on. There’s a reason why over 75% of state department employees working abroad are not republicans. They are not the people most think they are.

We were doing good work with the Americans here. We were helping children, we were exposing corrupt oligarchs. We were in this fight together, not just in Eastern Europe but all over the world. Yes, even the US Marines stationed at Constanza and Novo Selo, ready to fight should the Russkies anything, deserve respect. As one marine told me recently “Don’t worry, come what may, we will stay and fight with you”.

Then everything changed this year. My old American friends were replaced with incompetent political commissars sent by the new idiocratic regime in DC.

The US marines are still here though, and they are still ready to die. I’m just not sure if its worth it anymore.

TLDR: Educate yourself and resist the temptation to parrot oversimplified narratives. Just because you only know about the bad and don’t care to learn about the good, doesn’t mean the latter doesn’t exist.

Edit: in an attempt to preempt incoming windmills: I detest Trump, Netanyahu and imperialism in general. But that does not mean anything American (or whatever nationality) should be presented as black and white. There are 340 million Americans. Each one of them here is proof that America is not black and white, and neither are its citizens.

HugeNerd@lemmy.ca on 12 Oct 15:45 next collapse

Let me guess though, Russia doing the same things is just pure evil or propaganda. Because guess what? Countries don’t do any of the things you mention out of Christian charity, they do it for power and control.

GTFOH with your soft pedaling of this bullshit.

87Six@lemmy.zip on 12 Oct 19:54 next collapse

I’m in eastern europe and the last time Russia did anything around here was when my grandparents were starving

Saryn@lemmy.world on 13 Oct 09:29 collapse

Russia does not do the same. In fact, it does the exact opposite. It would be fantastic if Russia actually supported human rights and the rule of law instead of bombing children’s hospitals like Israel does.

humanspiral@lemmy.ca on 12 Oct 21:05 collapse

helping a lot of people in Eastern Europe

to support Israel and war on Russia

Soft power is always more effective than hard threats, because the corrupt CIA stooges pillaging their economies and contributing to destruction of humanity do so with the dignity that threats and bribes are secret and unobvious sycophancy to the US empire. Soft power means that your pawns are not explicitly exposed as your owned pawns.

That your job makes the colonization mission more effective, all glory to hypno Trump, is a cheaper and more direct path to complete capitulation by the colonial “governor generals”.

Saryn@lemmy.world on 13 Oct 15:24 collapse

I think you are just repeating the same old talking points and conspiracy theories that we’re all well-familiar with without actually adding anything of substance or factology to the conversation.

humanspiral@lemmy.ca on 13 Oct 18:38 collapse

Just defining what soft power means. Soft extortion and bribery just as bad as extortion and bribery.

HugeNerd@lemmy.ca on 13 Oct 04:17 collapse

God damn it, if the US collapses who will supply weapons to all its peaceful democratic allies in the world? I’m super fucking pissed off about this.

HugeNerd@lemmy.ca on 12 Oct 13:56 next collapse

People need housing, no one needs this AI crap. Even in boring engineering jobs using tools that solved problems decades ago, we are getting AI shoveled in left and right in places no one needs or wants it. And calling old features “AI” is also another problem.

And now these stupid “barking bears attacking fat sleeping people” videos are everywhere, and people seem to think they’re real.

We should focus on natural intelligence first, that is to say each other, and education…

Oh and the headline should read “Every day”, “everyday” is an adjective, like an everyday occurence.

bridgeenjoyer@sh.itjust.works on 12 Oct 17:57 collapse

Ai will be the best tool to keep the masses stupid since television.

TheObviousSolution@lemmy.ca on 12 Oct 14:01 next collapse

Unpopular opinion, but every nascent industry looks like a bubble. What makes it a bubble is if and when it pops. It anything, LLM AI might deflate and stabilize, but it’s also here to stay. In that case, what pops NVIDIA is when they can’t expand any more and they go against geopolitical interests that begin stealing and making viable alternatives for the price.

llama@lemmy.zip on 12 Oct 15:40 next collapse

If Lemmy is supposed to be the place where the most tech savvy people in the interest congregate, and everyone in the comments is unsatisfied with AI then we really do have a problem. These companies have all reached a point where they no longer listen to their most informed customer base but instead take 100% of direction from investors who don’t even know what they want except a line going up.

dick_fineman@discuss.online on 12 Oct 16:14 next collapse

I thought it was the place for people who didn’t want their shitposting interrupted by random child porn. Am…am I in the wrong place???

prettybunnys@sh.itjust.works on 12 Oct 16:36 next collapse

Unfortunately Lemmy is rife with CSAM too, but the larger instances have done a pretty great job eliminating it.

Smaller instances still get dumped on sometimes.

Edit: actually it feels like it’s been a year or so since any CSAM spam events, so good job everyone

dick_fineman@discuss.online on 12 Oct 16:48 next collapse

Happy to say I haven’t seen that shit here yet…unlike Reddit and 4chan.

EmilieEasie@lemmynsfw.com on 13 Oct 01:59 collapse

Same, and additionally, no one so far has been randomly extremely misogynist toward me either. I can mostly say completely uncontroversial things like “women fought for their right to vote in the early 1900s” without getting 30 bad faith and whataboutisms in my replies. It’s sooo nice.

Danquebec@sh.itjust.works on 13 Oct 12:50 next collapse

As a man, I’m happy to know that about Lemmy.

EmilieEasie@lemmynsfw.com on 13 Oct 17:27 collapse

It’s a night and day difference from reddit. I hope it lasts forever!

dick_fineman@discuss.online on 14 Oct 04:41 collapse

Let me mansplain to you why it was actually the 1920s, and also something about sandwiches. PENIS POWER!

EmilieEasie@lemmynsfw.com on 14 Oct 05:40 collapse

Your user name made that much, much better

dick_fineman@discuss.online on 14 Oct 06:01 collapse

Don’t femsplain away my super awesome masulinipower. I am penis, holder of dick. Whatever you say bounces off of me and sticks to you.

EmilieEasie@lemmynsfw.com on 14 Oct 17:46 collapse

Nailed it !!!

Zetta@mander.xyz on 12 Oct 17:06 collapse

I disagree with main post and agree with edit. I’ve only seen abuse material on Lemmy once and it was on an instance that didn’t have an automated moderation tool for image uploads and they promptly added that mitigation step after it happened

Waraugh@lemmy.dbzer0.com on 12 Oct 18:50 collapse

Suddenly I’m extremely worried about using lemmy. What’s the right way to respond if something is seen. Call the police? FBI hotline or something? Certainly screenshotting anything to send to authorities is out of the question but as soon as an image is loaded a device downloads it to cache so it’s like a dirty bomb just sitting on your device at that point. I have been blissfully ignorant that anything I use in my day to day would ever share a space with such abhorrent behavior. Kind of not sure I should still use the service, like that has actually been an issue on here before?

Jakeroxs@sh.itjust.works on 13 Oct 01:58 collapse

You’re fine, they go after the ones sharing it, of course if you want to tell authorities you can, just you’re not going to get in trouble for accidentally stumbling upon some asshat being a pedo. It does very much keep me from wanting to run my own instance though.

Waraugh@lemmy.dbzer0.com on 13 Oct 04:37 collapse

Thank you got the comment, I never even considered the risk as someone running an instance.

Jakeroxs@sh.itjust.works on 13 Oct 04:40 collapse

Yeah, unless you prevent image uploads it’s possible and easy for someone to put that shit on a drive you own which then means you’re technically distributing and harboring it.

Scary stuff

aceshigh@lemmy.world on 12 Oct 17:46 collapse

It’s always interesting to read the experiences of others. The one and only time I stumbled on cp was in the late 90s. Haven’t seen it on reddit or lemmy. Our bubbles keep us isolated.

markovs_gun@lemmy.world on 12 Oct 17:49 next collapse

Eh. Lemmy has a lot of ignorance surrounding technology and science compared to other sites. Hacker News is what you’re looking for if you want somewhere that is full of the most tech savvy people on the Internet, and most of them are extremely pro AI (with some weird AI cultishness alongside). Myself I think AI is a bubble but there is a lot of promise in the underlying technology once you take away the hype, just like the .com bubble at the turn of the century.

axx@slrpnk.net on 12 Oct 19:07 next collapse

Lobste.rs is probably even more on the “engineers talking to engineers” side of things. I’ve not visited in a while and am not sure what people there think of (the current crop of gen)AI.

Boozilla@lemmy.world on 12 Oct 19:20 next collapse

Too many people equate AI with LLMs only. LLMs are mostly bubbled bullshit, with a few limited use cases. But AI is a much broader topic. The really scary AI is the stuff we hear little to nothing about.

People also forget how dramatically tech can advance over time. Spoiled impatient Americans in particular want a finished product or they quickly write it off as “garbage”. They forget every product we own and use was once “garbage”.

Bunbury@feddit.nl on 12 Oct 22:12 next collapse

I am not sure if you have discussed AI in a room full of hackers recently, lol. I have. Maybe 1/100 is pro-Generative AI in my estimation:

KingThrillgore@lemmy.ml on 13 Oct 07:16 collapse

Hacker News is a site full of tech cultists and apologists.

General_Effort@lemmy.world on 12 Oct 20:13 next collapse

If Lemmy is supposed to be the place where the most tech savvy people in the interest congregate

Says who? Mostly feels more like sales than R&D here. Which kinda fits with these pitches.

null_dot@lemmy.dbzer0.com on 12 Oct 22:16 collapse

I feel like someone working at the pointy end of R&D in AI isn’t necessarily well placed to predict the future of AI.

General_Effort@lemmy.world on 12 Oct 23:16 collapse

Bubble is an econ term. Whether there is an AI bubble has a rather tenuous connection to the future of AI. Not much of a connection between the housing bubble and the future of housing either.

Jakeroxs@sh.itjust.works on 13 Oct 01:56 next collapse

Feel like the internet bubble is an even better comparison, the internet is completely ubiquitous now

null_dot@lemmy.dbzer0.com on 13 Oct 07:59 collapse

Yes but my point is, a brick layer isn’t the best person to ask about the future of housing.

General_Effort@lemmy.world on 13 Oct 11:00 collapse

Feels more like the brick layer is equivalent to someone paid to create training data. You absolutely would want to ask the architects and engineers researching no ways in housing and construction. Not that they know what avenues of research will work out, but they do know the avenues of research.

No one expected the splash that LLMs or image diffusion models would make. Years later, the conversations on Lemmy are still dominated by people who still haven’t looked up how they work.

GPTs completely nuked the whole field of natural language processing (NLP). People had dedicated years of their lives to solving tiny aspects of that. That got solved practically over night. Sentiment analysis? Just ask the chatbot. Some of the seemingly smart people who make seemingly informed criticisms of LLMs are NLP guys, who just can’t let go of their old ideas.

Taleya@aussie.zone on 12 Oct 21:35 next collapse

Investments and income have been divorced from reality for a while now, bud.

scarabic@lemmy.world on 13 Oct 23:24 collapse

Lemmy is not the most tech savvy people on the internet nor the customer base for AI. Where did you get either of those ideas?

llama@lemmy.zip on 14 Oct 01:12 collapse

Because you have to be tech savvy to understand what the fediverse is or how ActivityPub works so it sets the filter for a userbase that evangelizes emerging technology.

scarabic@lemmy.world on 14 Oct 03:12 collapse

Yeah. Signing up for a social service doesn’t make you the most technical person in the world.

biofaust@lemmy.world on 12 Oct 18:59 next collapse

From the entry for “zaibatsu” on Wikipedia:

Under the Allied occupation after the surrender of Japan, a partially successful attempt was made to dissolve the zaibatsu. Many of the economic advisors accompanying the SCAP administration had experience with the New Deal and were highly suspicious of monopolies and restrictive business practices, which they felt to be both inefficient, and to be a form of corporatocracy (and thus inherently anti-democratic).

The only difference? The zaibatsu actually diversified their operations.

Glytch@lemmy.world on 12 Oct 19:07 next collapse

And that is why Yamaha makes everything from musical instruments to motorcycles

vacuumflower@lemmy.sdf.org on 13 Oct 04:49 collapse

Many of the economic advisors accompanying the SCAP administration had experience with the New Deal and were highly suspicious of monopolies and restrictive business practices

Your country was very different then.

biofaust@lemmy.world on 13 Oct 07:57 collapse

My country? I am from the EU!

Let’s try not to be offensive.

vacuumflower@lemmy.sdf.org on 13 Oct 08:39 collapse

* Puts red blue glasses on *

- Which kind of EU?

biofaust@lemmy.world on 13 Oct 09:30 collapse

The European kind. Not the Extended Universe nor Eastern University.

BilSabab@lemmy.world on 12 Oct 19:11 next collapse

But what will be left after it bursts? At least in cause of the housing bubble - the houses existed physically - what will be after the AI crash? Lots of spare gear sold for cheap?

crapwittyname@feddit.uk on 12 Oct 19:17 next collapse

Used GPUs

SkaveRat@discuss.tchncs.de on 12 Oct 20:28 collapse

Annoyingly the current Gen that’s used for ai is basically useless for gaming

[deleted] on 12 Oct 20:39 collapse

.

zbyte64@awful.systems on 12 Oct 22:16 next collapse

Lol. I’m sure some new fangled NFT AI Slop wouldn’t be another bubble.

jumping_redditor@sh.itjust.works on 13 Oct 02:02 collapse

bubbles are only bad if you don’t leave before they pop

zbyte64@awful.systems on 13 Oct 03:32 collapse

I didn’t realize what is good or bad is reducible to what I alone experience and everyone else can fuck off.

jumping_redditor@sh.itjust.works on 13 Oct 06:56 collapse

don’t invest in the bubble and it won’t hurt you, don’t expect speculative investors either

zbyte64@awful.systems on 13 Oct 14:45 collapse

My guy, I would repeat myself as well if I thought it would help.

TootSweet@lemmy.world on 12 Oct 23:48 collapse

AI is where former cryptocurrency companies pivoted when mining cryptocurrency stopped being profitable. There’s nothing left to pivot back to. Even those who have drunk the blockchain Koolaid don’t think there’s money in mining. Just gambling by investing with real money and hoping someone will give you more real money than you bought it with.

InputZero@lemmy.world on 12 Oct 19:41 next collapse

What was left after the cryptocurrency crash? A whole lot of GPUs that got repurposed for AI. They’ll just get repurposed for whatever extremely computationally intensive thing some computer engineer comes up with. Until that bubble bursts, rinse and repeat. What’s happening is project managers are selling the next big thing to make a lot of capital really quickly to a board of directors.

zbyte64@awful.systems on 12 Oct 22:17 next collapse

Where does the capital come from though? Someone has to pay for the shovels and if there isn’t a profit now, how will they pay for the next bubble?

InputZero@lemmy.world on 13 Oct 12:10 collapse

The capital comes from the profits from other markets. Which comes from exploiting workers. The original investment didn’t just spontaneously expose itself, people chose to flow money into it. They’ll pay for the next bubble with the profits C-suit executives stole from their workers and the little guy. They will take what should have been yours and bet it away on some fever dream that was doomed to fail from the beginning. All in the hopes that they might make their wealth get more outrageously excessive before this bubble bursts and they try again on the next.

mojofrododojo@lemmy.world on 12 Oct 22:18 collapse

They’ll just get repurposed for whatever extremely computationally intensive thing some computer engineer comes up with.

these are for AI, purpose built bespoke solutions to LLM problems. they’ll age like fine piss.

jumping_redditor@sh.itjust.works on 13 Oct 02:06 collapse

they can probably be repurposed as general purpose matrix math accelerators

mojofrododojo@lemmy.world on 13 Oct 03:42 collapse

large market there

lemmeLurk@lemmy.zip on 12 Oct 20:05 next collapse

The gpus will still be used for AI, just not as profitable

Dogiedog64@lemmy.world on 12 Oct 21:16 collapse

Hard to do that when there’s no profit NOW.

null_dot@lemmy.dbzer0.com on 12 Oct 22:13 collapse

Is that because they’re so focussed on growth and advancement though?

Right now there’s no incentive for efficiency. The focus is using venture capital to grab market share by implementing new products.

If suddenly everyone realised that the new iterations are more costly without any new functionality, the focus would switch and it might be worthwhile.

Right now, you can buy a $500 GPU, and run an LLM locally that can help you draft documents or code or transcribe audio. If that were scaled up to a subscription service surely it could be reasonably priced, yet profitable.

Dogiedog64@lemmy.world on 12 Oct 22:35 collapse

If all of that were the case… why aren’t they ALREADY profitable? There are only 2 companies in the actual LLM/AI space, OpenAI and Anthropic, and OpenAI is already so dominant that Anthropic is a noncontender. Since that is the case, why aren’t either of them profitable? If they were, they’d be screaming about it constantly; Altman would be on stage every single goddamn day boasting about it; OpenAI would be posting monthly, if not WEEKLY profit reports, just to show how much money they were making as “”“The Future™️”“”; public investors would be POURING IN like nothing else mattered!!!

So where is it? Where’s the profit? Where are the reports and press conferences, the investor statements and the IPO’s? Where’s the goddamn money, Lebowski???

And don’t say they’re in the “growth stage” or whatever. 4 years in and a TRILLION DOLLARS LATER, there’s no profit to be seen, no remarkable products to use, nothing of substance except billions burned building bespoke data centers and polluting the planet. The whole AI “”“industry”“” is a lie.

trolololol@lemmy.world on 13 Oct 01:57 next collapse

I could nitpick many inaccuracies in what you just said, but the main message that they are not profitable is on point.

lemmeLurk@lemmy.zip on 13 Oct 04:37 next collapse

Because they are still chasing a breakthrough. It’s one thing offering LLMs as a service or selling models, it’s another to develop new and better ones. It’s just a huge research cost. I’m pretty sure if they would stop research on new models and slightly increase their prices, they would be profitable. But they don’t want to fall behind.

null_dot@lemmy.dbzer0.com on 13 Oct 08:12 collapse

They’re in a growth stage.

I don’t agree with them, but venture capitalists believe they are inventing a god, and that the first to achieve it will enjoy never before seen power, control, and ultimately wealth.

commander@lemmy.world on 12 Oct 21:36 next collapse

The s&p 500 tanks a ton and banks call on loans from these AI hyped companies using the price of the stocks as collateral (previously expected to rise). Credit crunch and now companies tighten the belts even further so higher unemployment again. Federal funds rate gets slashed and those that can manage steady good work during the recovery years will be fine. Everyone else will be struggle busing as usual

null_dot@lemmy.dbzer0.com on 12 Oct 22:08 collapse

Can you elaborate on managing “steady good work”?

commander@lemmy.world on 12 Oct 22:55 next collapse

If you have a stable job with good pay or good upward mobility in the company potential and don’t have periods of unemployment, if it has a 401k, you’re 401k is being invested while the market is down. When unemployment is high, the Federal Reserve sets the federal funds rate much lower to try and stimulate the economy. That results in lower rates for consumer loans. So people that have stable jobs that pay well enough can take out loans and/or refinance their current loans to do better than they were.

When the market recovers, you’ve had years of experience that you can now use for job hopping at more senior level roles when the job market recovers. Also a lot of late career people end up consulting for companies large and small with inexperienced staff. Those that didn’t fare well in a career during a market downturn, it’s either stagnation or hardship after hardship

It doesn’t necessarily have to be office/lab work. I know people that grinded the past decade+ in restaurants until an owner would trust them to manage a restaurant including all the supplies and payroll and then trust them enough to partner on a another restaurant and then that be their ticket to financial security. Some in their 30s, some 40s, some 50s. It’s a grind but at least they didn’t end up drug addicts and alcoholics like so many others

null_dot@lemmy.dbzer0.com on 13 Oct 08:08 collapse

This is a really odd take.

you’re 401k is being invested while the market is down

Sure but you just lost half your 401k, including half of what was invested while the market was overpriced.

When unemployment is high, […] That results in lower rates for consumer loans. So people that have stable jobs […] can take out loans

Yes, but lenders also tighten their criteria during these times because even a stable job is dramatically less stable during a recession or depression. It’s very difficult to borrow money in an economic downturn.

When the market recovers, you’ve had years of experience

Sure but if the market didn’t collapse you would still have those years of experience. During a collapse fewer people will have consistent employment.

It’s a grind but at least they didn’t end up drug addicts and alcoholics like so many others

Not sure where you were going with this part.

The universal economic truth is, in times of economic uncertainty the working class does the heavy lifting.

ubergeek@lemmy.today on 13 Oct 15:07 collapse

Being in a non-federal government job, in a non insane state.

Lucelu2@lemmy.zip on 12 Oct 21:53 next collapse

yes, We can’t prevent the bubble burst. We can hope it happens sooner rather than later but the bubble is baked in. So what companies and individuals can to is basically buy up their detritus at bargain prices. And then use them to make better, more solid companies that do not require $3T investment while showing no fucking profit.

BilSabab@lemmy.world on 13 Oct 14:14 collapse

it’s kinda funny how all these massive business are all giant money drains year after year after year. back in the day business people used to pride themselves being in the black.

rafoix@lemmy.zip on 13 Oct 04:22 next collapse

But what will be left after it bursts?

Affordable GPUs? Less pushy AI commercials?

The wealthy will just move on to the next thing to inflate. Capitalists don’t work. They don’t care about anything other than ROI.

KeenFlame@feddit.nu on 13 Oct 07:20 next collapse

These valuations cannot be tied to ROI, even using Olympic level mental gymnastics. The market would collapse in a millisecond. They are tied to a fictional dimension 78 years in the future where everyone decided to work overtime without collapsing and being four times as focused while the planet magically starts healing itself and no major disaster happens and all wars escalated without destroying any infrastructure or upsetting any populations and the authoritarian revenge hypercapitalist disasterpiece currently boiling over in the global standard host country suddenly is unanimously accepted as a new way of life without a single adverse reactions or any systematic issues and a spontaneous miraculous salvation from the diseases and famine it has maliciously developed due to the Christian god both existing and subscribing to the polar opposite moral and ethical alignment that the elite privileged promille has hallucinated to fit a reality that also somehow pivoted from a complete mass psychosis into firm truth by way of some unforseen quirk in the laws of physics that every great mind and scientists missed that magically flip childish commercial folly into concrete reality without requiring effort and being the first consciousless entity to achieve autonomy and an ability to replicate exponentially without consuming resources and a renneissance of unity appears around a unilateral decision to kill brown skinned people that agree to live and reproduce in the most efficient manner for the single purpose of feeding that slaughtering machine and producing goods and resources for the machine and for the now sanctioned debauchery that the new religion has prescribed all of our species to perform

Which as you might imagine is more than a little stretch

BilSabab@lemmy.world on 13 Oct 14:12 collapse

I don’t think they care about ROI for real. If they cared none of that would’ve happened because that’s just not how a real businesses are operating. You can burn the investments into R&D to an extent but if the product’s money flow doesn’t show a positive dynamics long enough - you get ready for some soul searching shit. My guess is that a lot of things contributing to AI bubble have something to do with money laundering.

witx@lemmy.sdf.org on 13 Oct 06:09 next collapse

A bunch of brain dead junior Devs who cannot think for themselves

BilSabab@lemmy.world on 13 Oct 14:02 collapse

next year’s salary research is going to be a lot of fun!

KeenFlame@feddit.nu on 13 Oct 06:41 collapse

There are many fine uses for tensor cores, we will not stop processing data.

BilSabab@lemmy.world on 13 Oct 13:58 collapse

There sure are but will there ever be a real chance to attract sober investors to make it work as a real business and not growth hacking extravaganza any time soon?

KeenFlame@feddit.nu on 13 Oct 21:27 collapse

Sober investors, what do these have as a choice? As if there are “safer” alternatives like raw materials? Are these investors in the room with us now? The stock market is disconnected from the real world and when a bubble pops it has exactly nothing to do with roi or income or success of anything underlying the labels on these casino icons. It has to do with hedge fund algorithms. And those are set to full burn because there will never be a bad day (it’s delusional)

GrammarPolice@lemmy.world on 12 Oct 20:21 next collapse

NVIDIA really out here selling shovels in the gold Rush

KeenFlame@feddit.nu on 13 Oct 06:39 next collapse

They made gpus long before the gold rush and will not stop after. The usefulness of tensor cores will not dwindle with any market correction. Even before ai boom they were valued astronomically out of reality. Not a single stock is tied to actual selling or owning of anything anymore

Nalivai@lemmy.world on 13 Oct 15:02 collapse

Just like shovels existed before the gold rush and will exist after humanity’s death. But we have a saying for a reason

Nalivai@lemmy.world on 13 Oct 07:46 collapse

Nvidia are very smart in that regard, ethics aside. Very early on they decided that selling cards to gamers will not give them the infinite growth everyone so desperately desire, so they started looking for what does, and they were consistent at it ever since. Every tech bubble of the recent history is powered by Nvidia cards. How much they contributed to the hype (and damage) is not entirely clear, but that’s not zero for sure

mcv@lemmy.zip on 13 Oct 08:21 collapse

They lucked into it. They made their cards for gamers, and various groups, AI researchers, bitcoin miners and others, discovered that they those gamer GPUs were really good for other tasks too. I think it took a while before Nvidia started making specialised cards for those purposes.

I can’t really blame them for serving that market that they just lucked into. I can and will blame them for their terrible Linux support.

Nalivai@lemmy.world on 13 Oct 12:55 next collapse

Oh believe me, it wasn’t just luck. They have special labs full of people who’s whole job is to find another unexplored niches that can buy their cards. And they only make specific single purpose cards only when the market is mature enough to justify the spending, which is also smart.

cornshark@lemmy.world on 16 Oct 19:29 collapse

If it’s just luck why isn’t AMD rolling in it with their cards?

humanspiral@lemmy.ca on 12 Oct 20:35 next collapse

This only got downvotes in another thread. There is far worse that can happen than an AI bubble.

People get distracted over the fate that the pure speculative frenzy could be an AI bubble, and the harm to the hapless speculators and banksters could have a minor impact on the rest of the economy.

Reality is far worse than an AI bubble. It is a US mission for a fossil fueled powered Skynet for Israel that is too big to fail. Bubble in AI investments becomes unlikely, but total destruction of rest of US economy/prosperity becomes assured when the “plebs able to eat in America bubble” bursts is a sacrifice that a fossil fueled powered Skynet for Israel is willing to make.

If Americans are still able to afford to eat, then China or Iran wins.

bilgamesch@feddit.org on 12 Oct 21:14 next collapse

What

Taleya@aussie.zone on 12 Oct 21:35 next collapse

I think they’re claiming TPTB are gonna try and tie dinosaur fuel and vapoware tech as “a matter of security” and constantly bail them out to the detriment of the US economy as a whole

humanspiral@lemmy.ca on 13 Oct 03:09 collapse

OpenAI alone has 20gw of datacenter/gpu commitments. 20x entire current US corporate deployments. Sure as fuck, sweet US military/NSA overpayment for datacenter time is coming. Not sure AGI is needed to decide (family guy meme) “if it’s brown, flush it down” or “sink any boat you find in Carribean sea”. LLMs today would do pretty well at “make up a Department of War memo for backstories justifying all the people we killed today.”

Taleya@aussie.zone on 13 Oct 09:29 collapse

That wasn’t an invitation to talk at me

humanspiral@lemmy.ca on 12 Oct 21:38 collapse

please be more specific in what you don’t understand. I guess that…

fossil fueled powered Skynet for Israel

US government needs AGI for US military supremacy. That is Skynet (in Terminator movies, this is the military program to install AI in all the computers, and then AI chooses genocide nuclear launch). It is for Israel’s benefit, because that is who owns US government. That it be fossil fuel powered, serves another key US oligarchy. Skynet for disinformation/sediction detection purposes just as much of a threat than its use for nuclear genocide.

Regardless of whether datacenters will make money solving business and individual problems or boosting productivity, the US will keep investing in order to get Skynet. You can be correct that “frontier datacenter LLM models” will not make money, but still lose on financial bets validating that idea. Instead of an AI bubble bursting, even more money chasing Skynet will come with Austerity for rest of population. The “valuation bubble” only pops when investor money flowing in dries up. It may only dry up after the collapse of the US.

bilgamesch@feddit.org on 13 Oct 07:24 collapse

It’s the part where you say that Jews want skynet for world supremacy.

That’s the “what?” part.

humanspiral@lemmy.ca on 13 Oct 11:03 collapse

Zionism controls US and its media. Nearly all politicians in US are Zionists even if just a handful are Jews. I’m not the one who said all jews are genocidal zionazi supporters. You have no right to try denying subhuman demonic evil zionazi supremacist control over the US by pretending, passive-agressive supremacistly, me or anyone else is making a remark about Jews.

jumping_redditor@sh.itjust.works on 13 Oct 02:10 collapse

you say that like skynet is a bad thing?

Consumer2747@lemmy.world on 12 Oct 21:54 next collapse

Anyone more knowledgeable care to help me understand where Anthropic is on this graphic/clusterjam?

drmoose@lemmy.world on 13 Oct 01:33 next collapse

Unpopular opinion but this will not as bad as housing bubble and we’re way past bubbles actually popping in contemporary economy. Even China corrected for its massive ghost city housing bubble just recently and that was actually worse than ai tech overvaluation.

Timecircleline@sh.itjust.works on 13 Oct 02:21 next collapse

Can you explain how we’re beyond bubbles like I’m 5? Is it that there are gentler market corrections now?

drmoose@lemmy.world on 13 Oct 04:04 collapse

Yes, contemporary economy and free markets are so imaginary now that cascading effects and bubble pops like 2008 are very unlikely. American stock market in particular is so far off reality (even before AI boom) that it’s basically a video game with no actual relevancy to true gross product. While China/Russia is a dictatorship with no representation of reality at all and can easily hide the burden of bad economic policies in the obedient peasant class.

So we have dictatorship with imaginary worlds vs “free markets” living in their own imaginary simulation. Economy is all made up now and cascades are basically impossible because that requires rationality.

KeenFlame@feddit.nu on 13 Oct 06:27 next collapse

Perfect explanation, also; since 07 thing where the hedge bros were not punished, there stopped existing any incentive to imagine any scenario where anyone lose any money due to bank runs

ubergeek@lemmy.today on 13 Oct 15:05 collapse

The problem isn’t the imaginary market, which I agree with the description. Its the leveraging of debt, to gamble in the market, which is what low interest rates enable.

And yes, our interest rates are VERY low still. I’m looking at some ARM packages right now, and their max lifetime interest rates are on par with what a typical mortgage was about a decade ago.

Jankatarch@lemmy.world on 13 Oct 03:51 next collapse

Idk if ghost city thing was a bubble tho.

China used planned infrastructure and bunch of confused journalists in US were like “what kind of government plans for housing of their citizens”

drmoose@lemmy.world on 13 Oct 03:58 next collapse

Ah yes “the stoopit west har har” propaganda lol

Jankatarch@lemmy.world on 13 Oct 04:38 collapse

I was mostly going for “modern journalism is is sad and biased towards clickbait” ngl. Especially now they have AI edited articles.

KeenFlame@feddit.nu on 13 Oct 06:34 next collapse

It was a textbook bubble. They made and gambled on theoretical apartments where nobody involved had any intention of living there or any responsibility or connection to the underlying structure, to the point where building cardboard skyskrapers became a business… the is no point in denying it. Capital housing investment is a plague on humanity.

ThirdConsul@lemmy.ml on 13 Oct 14:00 collapse

There are always bad actors in the system (see: hedge funds). But bubble? It can be argued that Ordos (the ghost city) was build too early, but it’s filling in nicely. From 30k in 2009 to 2.000.000+ in 2020.

en.wikipedia.org/wiki/Ordos_City

On the other hand noone ever build a damn whole modern city before for the people, so I’m not surprised they jumped the gun.

KeenFlame@feddit.nu on 13 Oct 21:22 collapse

When Investors own houses only because it will appreciate in value from time only, that is a fundamentally flawed system because in reality houses decrease in value as they get older. It creates an environment where everyone involved is a bad actor

ThirdConsul@lemmy.ml on 14 Oct 10:43 collapse

I’m sorry, I’m a little bit lost. I do agree that investment in owning rentals should be forbidden (and if city needs rental units they should be owned by the city).

I do not agree that “ghost cities” were built for speculative purposes. Speculants were buying them like crazy, yes, but the actual need for housing in regions planned (expected?) to undergo urbanization is real and the buildings were fulfilling that purpose.

KeenFlame@feddit.nu on 14 Oct 13:32 collapse

Let me guess… is it because the people’s republic is flawless in every concievable way? I saw some footage from someone that was there, not a news agency. I won’t pretend that couldn’t be wrong, but I am known to occasionally enjoy Occam’s razor.

ThirdConsul@lemmy.ml on 14 Oct 15:26 collapse

Yeah, my server end with ml so I must be a tankie, makes sense.

It cannot be that I genuinely appreciate long term vision policies. I must be a tankie. And you’re right, those cities were not needed, and planned urbanization must be planned only 2 years ahead because everything else is speculative bubble made for speculation.

KeenFlame@feddit.nu on 15 Oct 05:08 collapse

All the projection… You’ll notice I didn’t say you were a tankie, because you obviously are young counter culture honeymoon phase marxist. Please do me a favor and understand that actual communism will never occur either in society or your own philosophy mature, until you recognize flaws cannot be ignored. None of the actual reform leaders were ignorant of that. I also never mentioned any resemblance of urban planning. That the only path to actual societal renaissance and your own personal growth is to understand that if you overreact to something bad such as capitalism you are against the cause. Not for it. You are the breaks on developing real thoughts and ideas, and the reason is simple outrage. The most provenly useless strategy when facing adversity, completely identifiable by anyone past this first easily avoided step in processing and eventually developing personal and unique rational thought about the issue.

Objectively, it was bad to build unhabitable skyskrapers. It’s humanity. When you attribute it to your ideology you perform a problem.

ThirdConsul@lemmy.ml on 15 Oct 11:39 collapse

So you had nothing to say about whats wrong with planned urbanization, so you went again for a personal attack, and switching to something something about marxist or communism because… Well, honestly, I don’t know why nor do I care.

This is the only thing of value you wrote

Objectively, it was bad to build unhabitable skyskrapers.

Yes. Those few bad actors who build tofu buildings in Tukery, Greece, China, Myanmar, Bangkok, or USA (en.wikipedia.org/…/Hyatt_Regency_walkway_collapse….) or wherever are bad and did wrong. What’s your point?

KeenFlame@feddit.nu on 16 Oct 04:39 collapse

You know my point. Because you asked for it several times. Then you try your best to have me said something else so you can be outraged.

Because you need to defend more than learn. You need to defend so much that you create outrage. It’s immature.

ThirdConsul@lemmy.ml on 16 Oct 08:33 collapse

Dude, are you like literally crazy? You come here, suddenly start calling me names and now are trying to gaslight me tham I need to defend or some other shit?

Get help. Blocked.

KeenFlame@feddit.nu on 16 Oct 13:57 collapse

When in reality, this bro checked my statement, proceed to not supply any additional information, then promptly devolved into teenage flavored outrage when questioned about it. Name calling is not when you call out misbehavior, at any point you might provide any evidence of the contrary and start an adult discussion. I am not obliged to treat you like a prince like your mother did, especially when you question the factuality of my statement.

pycorax@sh.itjust.works on 13 Oct 06:38 collapse

I mean even if it was planned the amount of excess given falling birthrates, doesn’t check out either.

Part4@infosec.pub on 13 Oct 06:59 next collapse

This turned out a little bit long. I wonder if anyone will bother reading it.

A lot of this so-called ‘bubble’ is based on capital expenditure in support of a technology that probably doesn’t have the capability AI company ceo’s claim, but does have fascinating, and in terms of how society is currently arranged possibly extremely harmful, potential.

I know what ai companies have done, and what they are likely to do, in the pursuit of profit is shit; I would say that is a capitalism and fascist billionaire issue, rather than a tech issue but ymmv.

And there is the energy consumption problem. I think ai ceo’s and tech broligarchs would privately say ‘compare the energy consumed by my datacentre to the energy consumed by the workers it has replaced and you will see it is fairly efficient…’ (I am saying what I expect they think, not what I agree with).

The concern that the economy currently has all of its eggs in the ai basket seems reasonable, but I see why capital is betting on it as big as it is. Any concerns regarding the economic disruption of an ai bubble popping is nothing compared to what could happen if 50%+ white collar workers are made redundant. We saw the number of essential workers needed per 1 million people during covid: it wasn’t many. Most jobs exist because the people exist to do them, corralled into the pyramidal structure of capitalism, where money trickles upwards. AI might push us into an era where the people exist but the jobs do not.

Anyway, I see this ‘bubble’ as being like the dotcom bubble, which didn’t kill the web when it popped. The gpu’s this capital expenditure has paid for are going to continue to be used, even as this economic period shakes itself out. They aren’t just going to evaporate. It isn’t like worthless debt being packaged up and resold without a chance of it being recouped, even if the prospect of what can be achieved with AI is currently over-valued.

Timecircleline@sh.itjust.works on 13 Oct 13:21 collapse

Comparing to the dotcom bubble is what finally made it make sense in my brain. Though I know the toll it took on that sector’s workers and I don’t envy those in fields that are going to be affected the same way.

GreenShimada@lemmy.world on 13 Oct 07:57 collapse

I’ve been saying the same thing.

The 2008 housing bubble was predicated on cheap lending. It was all debt. It was massive amounts of toxic debt sold around Wall Street, like using Trump Coin or counterfeit cash used to buy a house.

The vast majority of what’s happening here is not debt. Sure, some, but very little. Even the OpenAI AMD stock swap thing is swapping a gamble on stocks worth real money, not debt.

IMO the first sub-bubble to pop will be all the time and effort wasted on “Startups” that are nothing more than a couple people acting as a wrapper for an AI agent. That’s not really going to impact the economy too much on its face, but suddenly a lot of people are going to go from being “entrepreneurs” to being truly unemployed.

Edit: Also, just saw this gem, and THIS is how you get a supercharged 2008 repeat, bank deregulation and $2.6 trillion in lending. Which is exactly how we got to 2008’s subprime lending.

ubergeek@lemmy.today on 13 Oct 15:03 collapse

The vast majority of what’s happening here is not debt.

Most of what is going on in the AI sector is most certainly debt leveraged. Like, I’m looking at the books for several companies deep into AI.

I mean, how much profit is OpenAI turning right now?

GreenShimada@lemmy.world on 14 Oct 05:23 collapse

I’m looking at the books for several companies

Well with all that proprietary information, please do enlighten us with specifics. Who has loans, and how much? From which banks?

rafoix@lemmy.zip on 13 Oct 04:20 next collapse

It seems like the wealthy propping up their own bubble.

mcv@lemmy.zip on 13 Oct 08:17 collapse

Well, they now control all the money, so they can decide all the value.

mojofrododojo@lemmy.world on 13 Oct 07:23 next collapse

Hold up everyone. It’s not a bubble.

“So it is true that valuations are high but, in our view, generally not at levels that are as high as are typically seen at the height of a financial bubble,” said Goldman Sachs strategist Peter Oppenheimer.

He’s from GOLDMAN SACHS LOLOLOLO I THINK THEY WOULD RECOGNIZE A BUBBLE LOL ah fuck me our economy is gonna splode

BackwardMonkey@lemmy.world on 13 Oct 08:53 next collapse

I mean, what’s he gonna say?

cantstopthesignal@sh.itjust.works on 13 Oct 09:21 next collapse

Give me exit liquidity so I can buy the dip?

thespcicifcocean@lemmy.world on 13 Oct 14:01 collapse

just short the companies that’ll be the most affected. probably nvidia is a good choice to short right about now.

Jyek@sh.itjust.works on 13 Oct 15:06 collapse

I wish it were safer to make these sorts of sweeping gambles. Shorting Nvidia right now is like a pretty obvious bet but getting the timing right is the difference between generational wealth and a lifetime of poverty and debt.

mojofrododojo@lemmy.world on 13 Oct 15:49 collapse

right? I just figured the “it’s not a bubble, guuuuys” crowd could find someone a tiny bit more credible lol

Bakkoda@sh.itjust.works on 13 Oct 14:52 next collapse

I wonder what the people over at Bear Stearns think oh wait they gone.

mojofrododojo@lemmy.world on 13 Oct 15:51 collapse

this made me chortle into my cereal ty

ubergeek@lemmy.today on 13 Oct 15:01 collapse

Goldman Sachs also though NINA mortgages were a good idea, and they also thought it was a good idea to bundle bad mortgages in with good mortgages, and find a rater to mark them AAA investments.

And then we saw how that worked out.

mojofrododojo@lemmy.world on 13 Oct 15:51 collapse

yeah, how could this go wrong?

at least after the crash those houses could be lived in. these datacenters are made for one purpose, AI, and really would have to be completely gutted and refurbed for general purposes… fun.

1984@lemmy.today on 13 Oct 08:50 next collapse

Sell your stocks, I will buy. :)

UltraMagnus@startrek.website on 13 Oct 13:25 collapse

Timing is a fools game for sure. Bubble could pop next month, next year, or even later.

If you’re old, make sure you have a good percent in bonds. If you’re young, make sure you have 6-12 months saved in case of layoffs and keep saving - market will look completely different in 20-30 years anyways so it’s not worth worrying about.

Buffalox@lemmy.world on 13 Oct 09:17 next collapse

I don’t think it’s a bubble, first there is absolutely zero comparison to the housing bubble, which was a financial problem that caused housing prices to inflate, while the inherent value of housing stayed the same. This alleged AI bubble is mostly driven by companies that have lots of money, so it is not credit based, and there are underlying products that actually have increasing value.

The better comparison would be the dot com bubble, which was dominated by companies that didn’t even have a product and didn’t make any money. The frenzy is similar, but the fundamentals are different.

AI investments may cool down because obviously there is a frantic race in an attempt to get ahead.
But the reason I don’t think the AI bubble will burst is because it is driven by companies that actually make money.
They may lose money investing too heavily in this, but the most companies investing in this can afford it.

I think the most AI bubbly company isn’t even in the diagram, because that is Tesla. Tesla might actually go down, because Musk is insane.

But in general if it is a bubble, it is a very very long one, Nvidia value has been exploding since 2016 based on their AI product dominance. If this is a bubble, I think it will go down in history as the longest living bubble ever.

Is the market frantic? Yes absolutely.
Is the value of some AI companies extremely high? Yes absolutely.
Is it a bubble that will burst? No if it’s a bubble, this one will be more like deflating to a less frantic level, because ALL the main players have the money to weather losses.
And the main AI companies have actual products that make money for them rolled out already. So it is not like the dot com bubble.

Mrkawfee@feddit.uk on 13 Oct 09:41 next collapse

Well argued. Also, even if it is a bubble, it’s arguable that most technology innovations are preceded by necessary bubbles which are important for directing investment into emerging technologies. The railroad mania in the 19th century or the fibre optic rollout in the late 1990s, during the dot com boom, benefited humanity long after the froth and excitement subsidied.

1984@lemmy.today on 13 Oct 11:00 next collapse

Its not a bubble but most people here dont think for themselves. They dont even seem to understand the connection between what news is put out, which analysts they choose to give attention, and for what purpose.

Imagine living your life and just believing whatever someone says in the news just because he has the title of analyst. And never thinking about who profits from that specific guy being on the news at that specific time. Who picked that guy to say what he does and why? Its not random.

Being able to influence the market is key to making a lot of money. How do people think they influence the market? This is how they do it. How else?

Sometimes they probably lose money too, specially when orange man opens his mouth and says something very stupid, like last Friday. But then they position themselves for the coming uptrend and make their money back, maybe even more then they had before, since they have giant pockets.

Buffalox@lemmy.world on 13 Oct 13:03 next collapse

Especially your first paragraph is probably spot on. Short attention span.

relianceschool@lemmy.world on 13 Oct 18:10 next collapse

If people think it’s a bubble, then it’s a bubble! (Self-fulfilling prophecy.) Google Trends is a decent gauge of public sentiment. That said, the fundamentals are pretty flawed too.

hark@lemmy.world on 13 Oct 21:27 collapse

Its not a bubble but most people here dont think for themselves.

But the ones who believe the AI hype think for themselves. Right.

ThirdConsul@lemmy.ml on 13 Oct 13:38 next collapse

And the main AI companies have actual products that make money for them rolled out already. So it is not like the dot com bubble

Citation needed.

thespcicifcocean@lemmy.world on 13 Oct 14:00 collapse

the only company making a profit is nvidia. everyone else is losing.

gnarly@lemmy.world on 13 Oct 15:27 collapse

Not true, plenty of AI companies are in the green like Midjourney. Not everyone is hermorhagging money like OpenAi to curb out competition.

BarbedDentalFloss@lemmy.dbzer0.com on 13 Oct 13:46 next collapse

I think the biggest difference between this bubble and the ones that pop are whether the valuations were built by debt. In this case - no. So when their products turn out to be less useful than they claim, it will devaluate. But the debt issued to build the bubble wont go through a sudden correction that is amplified and causes an even bigger collapse like in 2008 or the dotcom bubble.

Buffalox@lemmy.world on 13 Oct 17:35 collapse

If it doesn’t pop, it’s not really a bubble, it just looks like it.

ubergeek@lemmy.today on 13 Oct 14:59 next collapse

I don’t think the AI bubble will burst is because it is driven by companies that actually make money.

Last I looked, the big AI companies are all hemorrhaging money.

Buffalox@lemmy.world on 13 Oct 17:34 collapse

It’s perfectly normal for a growth business to invest more than they make, I didn’t say they were profitable yet, but they are making money.

ubergeek@lemmy.today on 13 Oct 20:37 collapse

It is not “normal” to run a 4 year money loser and claiming to be worth billions.

Only in made up financial land does that work, and causes cyclic depressions where the working class loses wealth, and the oligarchs further concentrate wealth in their hands.

And you said its driven by companies making money… the big AI companies driving this bubble are losing money.

Buffalox@lemmy.world on 13 Oct 20:54 next collapse

It is not “normal” to run a 4 year money loser and claiming to be worth billions.

Maybe not, but it is absolutely normal to lose money for years to make a profit later.
Microsoft was ready to lose money on Xbox for 10 years to take a place in the console market. And it’s a very profitable market for them now.
Microsoft tried some of the same with Windows Phone, where they invested billions for years before they gave up.

One of the most hyped AI companies is probably OpenAI, and they absolutely have products that makes them money. They are not profitable yet.
But among the bigger stock holders are Nvidia and Microsoft, and if OpenAI goes under, they will absolutely survive just fine. But I don’t think they will.
OpenAI is owned by companies that know how to make money, and apparently OpenAI knows how to do it too, and has been quicker to make money on for instance ChatGPT than Google was on making money on YouTube.

Some AI companies will go down, that’s the nature of being in a cutting edge business, and it’s the nature of competition. But I think the AI business will mature and stabilize like most businesses have, not burst like a bubble.

Nobody called it a bubble when the smartphone market exploded. Because everybody could see the value of the product, although it’s not quite the same, many companies have been forced out of the smartphone market due to competition. I think the AI market will be mostly similar.

hark@lemmy.world on 13 Oct 21:22 collapse

Microsoft was ready to lose money on Xbox for 10 years to take a place in the console market. And it’s a very profitable market for them now.

Is it? They recently had mass layoffs in the Xbox division and had to jack up prices for gamepass. Compared to Sony and Nintendo, their console sales are pitiful. This is after pouring billions of dollars into the Xbox brand.

UltraGiGaGigantic@lemmy.ml on 13 Oct 22:36 collapse

The market can remain delusional longer then you can remain solvent.

ubergeek@lemmy.today on 13 Oct 22:45 collapse

A delusional market, is, by definition a bubble.

Sektor@lemmy.world on 13 Oct 18:06 collapse

In bicycle repair terms it is called a slow leak.

Octavio@lemmy.world on 13 Oct 11:51 next collapse

The funny thing about people who say it’s not a bubble because AI has value is that the asset category having value doesn’t prevent valuation bubbles from forming.

Houses have value: you can live in them. Yet there was a housing bubble.

The internet has value: you can watch cat videos on it. Yet there was a dot com bubble.

Tulip bulbs have value: you can grow pretty flowers with them. Yet there was a tulip bulb bubble.

In my experience, whenever you start reading news stories asking if something is a bubble and quoting investment bankers say, “no, it’s not a bubble,” well, usually it’s a bubble.

mistermodal@lemmy.ml on 13 Oct 20:43 next collapse

The entire US economy has been running off of an asset megabubble that demands global dollar recycling via Wall St. and property for decades now. This is much worse than 2008 as there is no cushioning. We will see what 20+ of doubling down looks like in the end.

UltraGiGaGigantic@lemmy.ml on 13 Oct 22:12 collapse

Houses have value: you can live in them. Yet there was a housing bubble.

Was?

Octavio@lemmy.world on 14 Oct 00:51 collapse

There is again, but there was, too.

inclementimmigrant@lemmy.world on 13 Oct 15:20 next collapse

The housing bubble encompassed a metric ton of banks and companies that bought and sold shares of subprime mortgages in the billions of dollars and when everyone stopped paying and started defaulting, that caused a entire economic collapse.

Now unless someone can point me to an analysis where we have some tangible proof that banks and tons of companies are invested, not just using, AI, it seems to me the fall out would be limited to tech companies, which yeah would involve some job losses but nothing on the scale of the housing or dotcom bubble.

Now if you’re referring to rich jackasses who are all in and banking on AI taking our jerbs? Sure that bubble will hurt them but they’re not driving forces in the economy, just politics, which I guess could cause a economic crash if they get your idiot politicians more scared of them than the people with France on their minds.

relianceschool@lemmy.world on 13 Oct 18:04 collapse

True, but consider that a huge amount of retail investors’ portfolios are tied to the S&P 500/NASDAQ. Think retirement savings, IRAs, 401(k)s, pensions, etc. Then consider that the entire market is effectively propped up by AI right now (see: The entire stock market is being carried by these four AI stocks). If the market gets a 60% correction, it’s going to be the middle class losing their shirts all over again.

nexguy@lemmy.world on 13 Oct 15:48 next collapse

All ai companies should direct all resources to medical research. I mean we would have to do without ai slop summaries for search engines and ai slop images. Well on second thought I guess slop is worth the human cost so let’s keep it as it is. I bet I get my wish.

xylogx@lemmy.world on 13 Oct 18:24 next collapse

There is definitely a bubble. But also what Nvidia is doing is smart. They have boatloads of cash. They are investing that cash in the companies that are using their products to create money making services. If one of them can create a killer app or viable service this will create demand for their products and they will have an ownership stake in it. Is this guaranteed or even likely? Probably not. We have reached the point where we were in 1996 where the chairman of the fed came out and said we are in a period of “irrational exuberance.” That bubble took four more years to pop. This one may end quicker, but it is impossible to tell when it will end or what will come out of it from where we sit today.

clucose@lemmy.ml on 13 Oct 18:36 collapse

Why should it pop sooner? US money can’t go anywhere else with the same profit margins. It‘ll run out if something more profitable comes around. Maybe a war or so.

rumba@lemmy.zip on 13 Oct 22:22 next collapse

If not for the banks investing hevily into it, i’d not be all that worried.

Every company in that list could shrink by half and we’d all be at worst back to covid times. Sure unemployment would suck, but do we REALLY need microsoft and NVidia to be as huge as they are?

ezterry@lemmy.zip on 13 Oct 22:54 collapse

I see “gold rush” the company selling shovels is making out like a bandit, everyone else is make a profit on the previous gen but requires a 10x cost increase for the next gen. And thus 10x more shovels… As soon as 10x more shovels stops giving 10x+ improvements this is the wrong investment.

Hints are we already reached this point.

Some AI companies will pivot and improve in other ways with more linear costs/results… The ones hoping the line continues to the moon… I think they overshot… I just don’t know when it will fall back…