MurphyA/hacker-news huggingface dataset:
by hintklb | 2025-08-05 03:46:05+00:00
Because the mortgage and the rent are completely different numbers.

The rent is the maximum you will ever pay for that period. The mortgage is the minimum you will pay and doesn't include the downpayment, repairs, HOA, Insurance and tax increases. It also doesn't include the closing costs, realtor costs, all the fees.

This is why the math is so complex. People easily forget all those fees and costs to make the math look simple.

This also takes into account that you invest into the US market and equity with all the cash that you would have had to spend on your house.

I'm talking about the US, but this holds true in multiple countries.

To answer your last question: In almost all HCOL (SF, Seattle, ...) you would have been way better renting than buying, except if you time it perfectly. If you look at today's market you would almost definitely be better renting than buying (But nobody knows the future...)
by neom | 2025-08-05 03:46:56+00:00
When we hired our pre-ipo CFO at DigitalOcean to start getting it ready, he brought in this whole finance team ofc, full FP&A...anyway they spent a couple months going through everything and then one day the controller called a meeting with me and was like "errr... so what's the story with all the credits?" And I was like "huh?" and he said "well we have millions of dollars of credits you've issued to people..." and I explained "oh, it's just like Tom Dale and Alex Sexton and stuff, they're cool they're not going to spin up $10k+ in infra don't worry" and he basically facepalmed and explained to me the liability I'd created. Whooops! :)
by markdhirsch | 2025-08-05 03:46:58+00:00
Campbell – CA. Oxmiq Labs Inc., the all-new GPU software and IP startup founded by one of the world’s top GPU architects and visionaries, Raja Koduri, emerges from stealth after two years of intensive IP development. Raja has assembled a world-class team of GPU and AI architects with over 500 years of combined experience, hundreds of patents, and a collective track record of generating more than $100B in revenue at prior companies.
by sinuhe69 | 2025-08-05 03:47:06+00:00
I have friends where, when we text or call, no one mentions how long it’s been. We just continue as the most natural thing of the world.

To me, that’s what real friendship looks like. You may not be in each other’s lives all the time, but deep down, you both know — if one of you ever truly needs the other, you’d be on the next flight without hesitation.

That’s why it reminded me that time and distance don’t erase true connection.
by nis0s | 2025-08-05 03:47:34+00:00
I liked it better when philosophers and thinkers could hash things out without turning things into a spiritual experience or movement.

The idea of God is a useful framework for Idealism, but the mistake humanity keeps making is letting its stories and tools get larger than itself. We are the creators, and that should be it.

If AI will come to possess consciousness, then it will be human-like, more or less, which makes it ideal for transhumanism, but not for becoming a god. All matter degrades and turns to dust in one way or another, and whatever super AI is embodied in will be no different. Degrading to dust is not the stuff of gods.
by msgodel | 2025-08-05 03:48:19+00:00
I had to do these for a couple college classes (The original OpenAI GPTs were just released around when I graduated, I remember reading about them and then avoiding pytorch because the wheels were a pain to build.)

You have to get a special blue book with a couple blank pages and then write an essay with the prompt that's given at exam time. Then you turn in the book at the end of the exam. I think it's a great idea and was surprised more classes didn't work that way but I guess it's like you say: grading written assignments like this is a lot of work.
by tomhow | 2025-08-05 03:48:46+00:00
> can eat a bag of dicks

You may not owe that person better, but you owe HN better than this.

HN is not a site for fixating on the daily controversies or trivialities about tech celebrities or mega-corps, whether they be positive or negative. We only want to give exposure to stories about major companies where there is genuine interest value - e.g., an interesting new tech product release or significant change in company direction.

You'll notice this story didn't get any exposure on the front page of HN, as several community members flagged it.

Rather than repeatedly polluting HN with these vile comments every time this person or company comes up, please just do what good community members do when they think a post is inappropriate for HN: flag it and move on.
by jkaplowitz | 2025-08-05 03:48:54+00:00
> Exactly, now you’re a bank (or maybe selling unlicensed securities, either way it’s jeopardy).

This seems unlikely - after all, a US federal law (the Credit CARD Act of 2009) requires closed-loop (store/brand-specific) gift cards to be valid for at least 5 years after activation and some states like Florida and California don't allow them to expire at all, so for simplicity national companies don't usually let them expire at all regardless of state. But neither a 5-year expiration nor indefinite validity turns the seller into a bank or an unlicensed securities seller or otherwise puts them in jeopardy.

Naturally, service credits and gift cards are probably treated differently by the CARD Act, but service credits are still not a source of legal jeopardy in the sense you were describing of being an unauthorized participant in the regulated financial world, any more than gift cards are.

I can completely believe, however, that an approach similar to how gift cards must be handled is financially worse on the company's accounting statements than quickly expiring credits. That worse financial accounting consequence would be a completely sufficient explanation for why the company switched approaches.
by matheusmoreira | 2025-08-05 03:49:35+00:00
Brazil is not a democratic society, it's a dictatorship of the judiciary. Not a single brazilian voted for these judge-kings who also legislate and execute.

That "attack" was directly caused by the "activism" of these judge-kings on the eve of the 2022 election. They engaged in blatantly unconstitutional political censorship and disproportionately targeted Bolsonaro and his supporters. Journalists and online influencers were forced to seek political asylum in other countries.

It wasn't enough to make a mockery out of our constitution, they also had to brag about it in public. They actually went to public events to showboat about their accomplishments. "We defeated Bolsonarism!" -- Barroso, an "impartial" supreme court judge-king.
by lern_too_spel | 2025-08-05 03:50:06+00:00
> It is not common to push two independent bills simultaneously, despite your assertion so.

This is in fact extremely common. Both houses pass independent bills, and then they go to conference to work out the differences.

https://gai.georgetown.edu/wp-content/uploads/2023/06/Tab-6-...

"Frequently, however, House and Senate committees each develop their own bills on the same subject. In these cases, one house often debates and amends the bill reported by its committee but then amends and passes the corresponding bill that the other chamber has already passed"
by bsimpson | 2025-08-05 03:50:13+00:00
I also graduated in 2008.

Starting my adult life with the markets in freefall made it hard to get in the habit of investing. All through school, people told me "most people don't start investing until their 30s, and end up in a worse than they ought to because the time-value of money compounds a bunch if you add a few more years." I thought I knew better than to be one of those people.

Instead, I ended up keeping a lot of savings in cash during years when the interest rates were approximately 0. I've tried to get better at putting money into the markets over the past few years, but my financials look very different than they might have.

> In other words, 2008 had no meaningful impact on you then.

People who graduated in the late 00s might not have accrued big financial losses, but it had a very meaningful impact on my comfort investing.
by ericpauley | 2025-08-05 03:50:38+00:00
Here's your escape hatch: https://bitwarden.com/help/export-your-data/

Bitwarden even now supports passkeys on mobile browsers and apps. As a happy user for over 5 years it's been great being able to configure something less theatrical than push/codes without needing to plug in my YubiKey every time.
by hintklb | 2025-08-05 03:51:54+00:00
This is the argument that buying a house serves as a subpar, forced investment for most people.

But I don't know if I agree with you, I understood in my twenties that housing was generally a bad investment. We are now 10 years later and I invested everything in the stock market instead and came way ... way ahead than if I bough one or more houses.

I personally find it way way more scary to buy an average 2M$ house that could crash and lose half of its value overnight than the whole American economy that is relatively diversified. What happens if there is a fire in your neighborhood? Or if your city is the next Detroit? We have been made to believe a house is a safe investment. I personally think it's the scariest least diversified investment you could ever make.
by silisili | 2025-08-05 03:52:22+00:00
It's not all numbers, though. Both have a lot of intangibles that can and should affect your decision.

Owning can feel suffocating at times, and like a ball and chain at others. You can't just decide you don't like it or the area anymore and go. Maintenance is also no joke.

Renting feels ephemeral. Getting kicked out at lease end sucks, it's hard to uproot everything and start over. Having inane rules and a landlord constantly drive by can make you feel both infantile and spied on.

I've done both off and on and those are my own thoughts on the two.

Financially only it's easy to pick a winner. But for some, one of these factors may be worth the extra however much money the difference is.
by bawolff | 2025-08-05 03:53:50+00:00
Its ok for things not to be open source, but for the term to mean anything it has to have a definition. Vauge moral handwaving about "doing the right thing" doesn't really help give meaning to the term. A project can be open source and morally bad. It can be closed source and morally good. Authors' moral intentions are a totally orthogonal dimension.
by deanmoriarty | 2025-08-05 03:54:36+00:00
I am a renter so I don't have a horse in this race, but renting is many times the financially worse choice even in HCOL.

Why? Because rent inflates like crazy over here! In the Bay Area 7%+ a year is completely expected, and 10% is not unusual. I have been all over the Bay Area for more than a decade (San Francisco proper, East Bay, South Bay) and know this well. It's been nuts.

Random example: the 1 bedroom apartment that I lived in 2012 and was then going for $1,500 a month, is now going for $3,800 in the exact same building (with no/minimal renovations it seems, I just looked it up). An ~8% YoY increase. That will do it to any buy vs rent calculator, very easy to break even in under 5 years, and that's excluding the speculative ability to refinance if interest rates go down from the current 7%, in which case it becomes a huge boost.

Renting as a long term choice just works in European countries where normal people can lock in 5+ year leases with no or minimal rent increases. America is too profit-seeking and greedy for that.

I still rent for flexibility reasons, but I definitely see it as a luxury lifestyle choice, the most financially responsible thing would be to buy, even in HCOL.

All this in my opinion and personal experience, totally fine if people see it differently.
by evanjrowley | 2025-08-05 03:54:40+00:00
Both US banks and utilities are considered critical infrastructure under Executive Order 13636 of 2013. The government is charged with ensuring their resilience and availability to maintain a stable society (in the face of cyber threats).

If politics is a risk to stability (I know at least one fortune 100 finance company that does have it in their risk register) then this Trump executive order against de-banking is aligns with the former one from the Obama administration.

A defense against de-banking is a bi-partisan win.
by nelox | 2025-08-05 03:55:01+00:00
Yes, actually try and put yourself in the shoes of American leadership responsible for making the decision to continue with an invasion of Japan without using nuclear weapons. American casualty estimates exceeded 500,000, and Japanese fatalities were expected to be in the millions—with some projections placing them between 5 million and 10 million depending on the length and scope of the conflict. The U.S. had limited understanding of the full effects of nuclear weapons before using them. The Manhattan Project scientists estimated 70,000 to 100,000 deaths for a medium-sized Japanese city (depending on weather, geography, and building density). These were very rough estimates, focused mainly on blast and heat, not long-term radiation, which was unknowable.
by rancar2 | 2025-08-05 03:55:27+00:00
TLDR Brad: I’d suggest you look at any customers with potential scale, who should have a custom SKU/BOM/order mix. 3D printing and full custom made to order products will have this mix, and it gets increasing painful when scaling past 100s of orders per month. One will find there will be in-house systems and workaround to deal with this complication, which should be fixed decently once a company is in the 1000s of orders per month by necessity of survival.

A bit more background as there is various bits of advice in these threads, and I will provide my take with scaling such a startup. Third-Party ERPs from the big vendors are purchased by Finance and are needed for validation pre-IPO and into the IPO (no one is going to trust something else without proof of success in publicly traded companies and it will be a red flag if there is no use cases in reputable publicly traded companies). ERPs are financial focused (like EHRs in healthcare), and their vendors will happily upsell the other addons like MES/BOMs, which are fine for generic manufacturing with limited SKUs. However in a world of customized/personalized SKUs, traditional ERP/finances solutions cannot be easily used to run manufacturing operations. I’d recommend focusing on integrating into ERPs (tack on custom IDs to the related objects) and automating them rather than building the full financial accounting/taxes into the platform. For example, your platform will still track the BOM details, but the totals will get synced for overall financial reporting for the various ledgers and not all the sub-assemblies which the ledgers don’t care about. This keeps the MES purpose built (and the big vendor ERP keeping simple books) and the ultimate source of truth what’s happening on the floor without getting into the accounting details that matter for tax optimization and not manufacturing operations.
by barbinbrad | 2025-08-05 03:56:22+00:00
these are all excellent questions! i think, interestingly, the answer to all of them is basically -- there's an off the shelf version that's opinionated and good. and if you want to take it a step further, you'd want to just modify the source code.

i think open-source gives consultatnts and integrators super powers that they may not be used to -- everything currently has to be done through abstractions on abstractions. if you can just modify the source code, it becomes a little simpler i think.

take the PDFs for example. just make them how you want them in your instance of the software using the most popular tools on the planet (i don't mean crystal reports): https://github.com/crbnos/carbon/tree/main/packages/document...
by rayiner | 2025-08-05 03:57:05+00:00
We live in 2025, not 1875. The sentiments we’re talking about aren’t rooted in “racial prejudice” constructed to maintain a slave society. They’re rooted in the same reaction that folks would have if tens of thousands of desperately poor Appalachians were resettled in a small town in Vermont or Massachusetts. It’s not antipathy over in immutable characteristics, but actual differences in the aggregate behavior of large groups of foreigners as compared to the existing population.

Democrats’ modern definition takes the social norm against declaring people inferior based on immutable characteristics and uses it to bash through cultural relativism and suppress criticism of cultural change. People have a moral right to use democratic means to create the kind of society they want to live in, and that includes policies to promote and protect their cultural preferences.
by adrian_b | 2025-08-05 03:59:09+00:00
Therefore "working as intended" for you means wasting the time of many people around the world, who cannot be considered as "threats" by any definition and who certainly do not waste any resources on the "protected" sites, because they are using the sites exactly for their intended purpose.

It is true that this has never happened before, but this week Cloudflare has frequently blocked my access to a site where I am a paid subscriber, and where there is no doubt that my access pattern matches exactly what that site must have been designed for, i.e. the site hosts a database and I make a few queries on it each day, less than a dozen, spread over the entire day, where each query takes a couple of seconds at most.

Whoever has implemented a "threat" detection algorithm that decides that such a usage is a "threat" and not normal usage, must be completely incompetent.
by HappMacDonald | 2025-08-05 03:59:32+00:00
Well the threshold I would like to use is "abbreviations that are easily understood outside of coding jargon are acceptable". You don't have to be a specialist in any specific language to understand "AI" in the wild, or "NASA" or even the names of languagues such as COBOL.

But if outside of the context of coding you just say "strcpy" or "writeln" at somebody they're not going to immediately understand. As a result, even coders with tired brains or who are switching between languages a lot will also get hung up at inconvenient times.
by hintklb | 2025-08-05 03:59:49+00:00
SF is the poster child of a HCOL where buying makes absolutely no sense.

Even if rent increases a lot, the buy to rent ratio is so horrible that it could continue to increase for MANY more years before buying could make sense.

I invite you to use the NYT Rent or buy calculator, It is clear as day: www.nytimes.com/interactive/2024/upshot/buy-rent-calculator.html
by godelski | 2025-08-05 04:01:14+00:00
I think they are caught off-guard by the fact that (IIRC) ghostty and kitty (and wez?) come bundled with (or load) nerdfonts by default.

Also good command to know `fc-list`. It'll list the fonts on your system (you may want to pipe it into a pager: `fc-list | less`). There's a few fc- commands that deal with fonts for anyone facing these types of issues.
by raincole | 2025-08-05 04:01:22+00:00
> I don't understand the logic behind the idea that if you tell all the kids currently using ChatGPT to write their essays, "Hey, you don't actually have to write that essay at all" that you think they will somehow choose to write it anyway.

I unironically believe if you tell all the kids they don't have to write the essay at all, much more will choose to write it.

Kids cheat not just because they're lazy. Cheating makes people feel smart. The fact you can get credits by doing very little while others work their asses off is rewarding and self-validating.

The big issue of exam-only approach is that a one-hour exam is not enough to evaluate a student's performance, unless your educational goal is just to make students memorize stuff by rote. I'd consider a 3-hour open-book exam bare minimal. But if every class does that it'll be too exhausting.
by eviks | 2025-08-05 04:01:25+00:00
> several statements, including “It is unethical to use a calculator in a math class”

That's too broad to be of any use, if the math class is teaching you to calculate in your head, then using any calculator is cheating. If the math class is teaching some algebra equation solving skills, then using a programmable calculator that auto solves them is cheating.

That's the similar issue with such experiments - they unfortunately aren't rigorous to provide any insight into education
by hintklb | 2025-08-05 04:01:54+00:00
The best way to calculate those intangible is to associate a value to them, Most people love to say that owning is so good because they can decide on their own house improvement.

Ok, but how much do you really value this over? Is it worth 2M$ over 30 years? Because in a lot of cases this is what you leave on the table by deciding to own.
by m463 | 2025-08-05 04:02:09+00:00
lol, I just mentioned direction of travel? defrost?

"a quick little swipe" seems like you're trying to minimize something that is actually dangerous. Controls like that should be in one location for muscle memory, stateless and able to be invoked without looking at them.

https://fortune.com/2025/03/07/steve-wozniak-says-tesla-is-w...
by eru | 2025-08-05 04:03:17+00:00
> If you knew exactly what you wanted (needed) to talk about, I don't think you would have an issue. You could always pay them to consult if the topic wasn't too boring.

No, I mean you can literally read the same books and attend the same lectures as tuition paying students.

You can ask a professor if you can sit in class (even if you are not a student). Most will be overjoyed that someone is actually sitting in class just to _learn_, instead of just for the piece of paper at the end.
by papercache | 2025-08-05 04:04:30+00:00
Hi everyone, I recently created an in-memory cache in Rust called PaperCache. It's the first in-memory cache that's able to switch between any eviction policy at runtime, allowing it to reduce its miss ratio by adapting to changing workloads. Currently, it supports the following eviction policies: * LFU * FIFO * CLOCK * SIEVE * LRU * MRU * 2Q * ARC * S3-FIFO

It typically has lower tail latencies than Redis (though with the trade-off of higher memory overhead as it needs to maintain extra metadata to be able to switch between policies at runtime).

Feel free to check out the website (https://papercache.io) which has documentation, a high-level article I wrote on Kudos (https://link.growkudos.com/1exazdx1q80), or the paper from HotStorage'25 (https://dl.acm.org/doi/abs/10.1145/3736548.3737836).

Here's a direct link to the cache internals: https://github.com/PaperCache/paper-cache

In case you want to test it out, you can find installation instructions here: https://papercache.io/guide/getting-started/installation

There are clients for most of the popular programming languages (https://papercache.io/guide/usage/clients), though some may be a little unpolished (I mainly use the Rust client for my own work, so that one is kept up-to-date).
by deanmoriarty | 2025-08-05 04:04:44+00:00
I just did, picturing exactly the situation I'm in right now:

- Rent: $3,500

- Home price: $700,000 (a similar unit just sold for this price a few months ago in my building)

- Rent increase: 8%

- All other parameters left as default, which seem reasonable (and as I said, there might be chances of refinancing over the next 10 years, which would drastically skew the picture, but I'm leaving that assumption out)

The ratio of 0.5% monthly rent/price is common for non-luxury "dated" condos all over the city, so I think my situation reflects well the typical renter.

Once again, in my personal experience, guided by a decade+ of living here, what people miss is the crazy rate of rent inflation. There is always a massive rent increase right around the corner, and God forbid if you are forced to move (because the landlord wants you to, it happened a couple times), then you take a gigantic hit at market rate. Once you factor in these occasional resets and the standard yearly increase, you get very close to 10% rent increase.