A.I. Stuff

[Carnivore]

Oh boy, thousands of more scammers gonna be telling you they are from (fill in the blank) and needs to restart your computer to "fix" the problem.
This week I had one insist my Apple product needed rebooted...sure, I don't own nor have ever owned an Apple computer. Another email tells me there is a problem with my Bank of OZK account. I've never had an account there, so I guess it is problematic. I believe in the death penalty for scammers personally.

I had a mcafee scammer call me ...said something about my subscription expired . Well I told him I dumped them because my internet cable tv provider pectrum provides protection free of charge. which they do

 

[Terrel L. Shields]

I had a mcafee scammer call me ...said something about my subscription expired . Well I told him I dumped them because my internet cable tv provider pectrum provides protection free of charge. which they do

Google is telling gmail users that they have been compromised and to change passwords. Farmers Ins. sent me a letter saying my name, address and last 4 digits of my SSN has been hacked. The sooner I can get off all internet connections the safer my computer and money will be. I do not bank by computer.

 

[Carnivore]

I don't use my smartphone to bank or pay for anything. I use my laptop. So it is nearly impossible in todays world to not have a bank card when you buy stuff . If you travel what are you going to do? Carry hundred or thousand of dollars in cash?

Speaking of travel their is a real issue when you stop at a gas station and use your card to pay at pump.

 

[cashcatz]

Google is telling gmail users that they have been compromised and to change passwords. Farmers Ins. sent me a letter saying my name, address and last 4 digits of my SSN has been hacked. The sooner I can get off all internet connections the safer my computer and money will be. I do not bank by computer.

Computer banking is not just a little, but statistically and objectively an order of magnitude safer than using your debit card (easy to skim), cash (good way to get a gun in your face) or checks (people clone these). Just use non-human readable password (scrambled ones) that machines can't easily crack along with a popular password manager like LastPass. And the bank phone apps on iPhone are even better as you can log in with your biometrics. Also, aren't most pumps tap to pay now?

Just remember than your bank or the IRS won't call you, they will send you official mail. Don't share a 2-factor code (that they give you over the phone) with somebody who called you, only if you called into their official number. Inlaws almost fell for that one. Also be careful on marketplaces like FB. And keep an eye on elderly and those with degraded mental capacities; they are the ones who are targeted (happened to my mom over facebook).

 

[cashcatz]

Computer banking is not just a little, but statistically and objectively an order of magnitude safer than using your debit card (easy to skim), cash (good way to get a gun in your face) or checks (people clone these). Just use non-human readable password (scrambled ones) that machines can't easily crack along with a popular password manager like LastPass. And the bank phone apps on iPhone are even better as you can log in with your biometrics. Also, aren't most pumps tap to pay now?

Just remember than your bank or the IRS won't call you, they will send you official mail. Don't share a 2-factor code (that they give you over the phone) with somebody who called you, only if you called into their official number. Inlaws almost fell for that one. Also be careful on marketplaces like FB. And keep an eye on elderly and those with degraded mental capacities; they are the ones who are targeted (happened to my mom over facebook).

Some resources:

- https://www.appraisalinbox.com/blog/password-security-and-management-for-real-estate-appraisers
- https://www.appraisalinbox.com/blog/multifactor-authentication-for-real-estate-appraisers
- https://www.appraisalinbox.com/blog/antivirus-software-for-real-estate-appraisers
- https://www.appraisalinbox.com/blog/ad-blockers-for-real-estate-appraisers

 

[cashcatz]

checks (people clone these)

7 or so years ago someone stole all the checks out of my fathers biz mailbox (he runs a commercial landscaping company). His facility is on a street with other light industrial - someone grabbed them all from all the mailbox. Then they sent them to a well organized cloning operation - and I mean high tech really impressive stuff. That run stole several hundred thousand dollars from the entire industrial park and their clients. Checks are incredibly stupid and antiquated, only the US still uses them. By business does not accept checks - I might consider for a large account but would charge 25% for the hassle, time and risk.

 

[jay trotta]

Big Brother now has ears on everyone..........even in your car........No privacy unless you do not participate

 

[Carnivore]

When I click the link to my bank on my laptop the bank does a fast scan before I can enter my account with username and password.

 

[Carnivore]

Auto insurance companies have an app that records your driving habits . I think it records your speed time date etc they use this to set your rates. something like that. You can opt out.


The Progressive Snapshot mobile app is part of a usage-based insurance program that tracks your driving habits, including hard braking, rapid acceleration, mileage, and phone usage, to potentially lower your car insurance rates. Drivers enroll in the program and download the app to their smartphone or receive a plug-in device for their vehicle. The app uses phone sensors and GPS to monitor and collect data for a policy period, with results determining whether a driver earns a discount or faces a potential rate increase at renewal.

 

[Carnivore]

So I ask AI-Co-Pilot the following: Tell me why AI will not likely replace Real property residential appraisers?
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Great question, AI may be reshaping the appraisal landscape, but it’s not about to dethrone the residential appraiser anytime soon. Here's why:
1.

• Appraisers interpret nuance: the smell of mildew, the feel of a neighborhood, or the impact of a poorly executed renovation.
• AI can crunch comps, but it can’t walk through a home and say, “This addition feels off,” or “This layout will repel buyers.”
• As one expert put it, “If you can be easily replaced by AI, you’re likely not doing a very professional job as an appraiser”.

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2.

• Appraisers are embedded in their communities. They know which side of the street gets better light, which school rezoning is brewing, and which block is quietly gentrifying.
• AI lacks the lived experience and informal intel—like the café owner’s take on foot traffic or the HOA’s plans for a greenway.

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️ 3.

• A 2,400 sq ft home might look great on paper, but only a human can spot the avocado shag carpet from 1974 or smell the lingering pet odor that tanks marketability.
• AI can’t assess deferred maintenance, craftsmanship, or the emotional impact of design choices.

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4.

• Converted church lofts, historic homes, or quirky artist studios carry symbolic and cultural weight.
• Appraisers can factor in heritage value, buyer psychology, and architectural significance—things AI struggles to quantify.

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5.​

• AI models inherit bias from training data. Appraisers, by contrast, are bound by USPAP and professional ethics.
• Courts, lenders, and regulators still rely on human appraisers to explain and defend their valuations with transparency.

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6.

• A comp might look valid to AI, but a human appraiser knows it was a distressed sale or involved seller concessions.
• Appraisers spot anomalies and adjust accordingly, preserving credibility and accuracy.

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In short, AI can assist—but not replace—the dimensional, ethical, and context-rich work of a skilled residential appraiser. It’s not just about the number. It’s about the story behind it.