skysight-inc/HackerNews huggingface dataset:
>A house at $250k at a 3.5% interest rate would cost you $72k in interest on a 15-year mortgage or $154k in interest on a 30-year mortgage. At that point, it is worth sending additional payments (especially early on in the mortgage) to save on interest.

I would argue that it's not necessarily a smart idea to pay extra just to avoid interest. $154k looks like a lot, and it is, but it's still just paying interest at 3.5%. On average, you'll do better to put that money into investments. Additionally, the ~$1k you're paying every month is a lot less in year 20 than it was in year 1 due to inflation. Your mortgage payments, inflation adjusted, are actually going down every year.
Because I keep seeing articles pop up over the last few years trying to convince me that suburbs are basically evil incarnate for some reason. It gets to the point where it feels like a political platform.
partial to windy.com myself

https://www.windy.com/?20.633,-75.498,5,a:q3iI3
yes, finally someone raised this :)
SSN is an identifier (username), not a verifier (password). Don't deal with anyone using a small number you can't change as an identity verifier.

We got govt + all banks on board with a national digital id. Basically all systems that were considered safe enough such as the major banks online systems (with advanced 2fa) are allowed to issue digital IDs that can be used as logins to all authorities and any other place that needs verified id.

This system probably paid for itself in a hurry.
> At the time it was roughly 2.5x my income.

The median of the map in this article. A nice sensible multiple. However there are plenty of areas where the multiple is more like 10x.
awww... you're cute. you think these sheep will put in the effort to make an example of anything?

you're all idiots.
Did you read the article? Ripple wanted out because there were other agreements in the partnership that Ripple claims R3 did not follow through on and they are countersuing for this reason.
Oh yeah that's scalable...
That is incredible. The market cap of XRP is almost 8 billion, and having so many coins with a competitor would most likely crush the currency. I'm having difficulty imagining why Ripple would ever give a R3 the option to purchase 5% of coins in circulation, business agreements aside.
Conda is a package manager for more than Python. It manages libraries that are shared between Python and R and other tools. This isn't possible with a purely Python-based solution.

It also does envs better than most other solutions since it will prefer hardlinks which allows environmental isolation at a very small cost in terms of disc space.

Full disclosure: I work for Anaconda Inc. where I am trying my best to make package management and scientific computing easier.
i like the concept very much, but what's your idea for a sustainable future revenue model?
My gut feeling is there's some truth to the rumour. Related resources:

• Original Caixin Report that sparked all this: http://finance.caixin.com/2017-09-08/101142797.html

• RECOMMENDED - Good English translation / interpretation of above article: https://docs.google.com/document/d/1sNYGpwj3EKkRhlejoycytZLq...

• Shorter English announcement from Caixin: http://www.caixinglobal.com/2017-09-09/101142821.html

• Coindesk article pointing out Caixin has been spot-on in the past (re their Sep 2 leak regarding ICO fundraising): https://www.coindesk.com/report-casts-doubt-future-chinas-bi...

• Related official news out of China regarding ICO ban: https://www.reddit.com/r/ethtrader/comments/6ywtkt/the_actua...

• Tweet from CEO of ViaBTC saying "China will shut down all exchanges": https://www.cryptocoinsnews.com/viabtc-ceo-china-will-ban-bi...

I agree it's not the first time China's cracked down on virtual currency <--> fiat trading, but if true this could be more intense than their prior efforts.
The LCBO is a good employer for stupid people. Those salaries go right back into the economy. These unionized jobs also come with a great pension providing retirement security. I am quite happy with this.

The government privatizing things such as Ontario Hydro has been a huge disaster. At least they are not stupid enough to give this up.
you can create a somewhat similar experience with mapbox api

https://www.mapbox.com/mapbox-gl-js/example/scroll-fly-to/
Right, I was thinking more along the lines of needing to raise the $42 mil to exercise the option.

Anyway, I'm really curious about what the relationship between trading volumes and how much money you can actually get is - it doesn't seem obvious to me. Like, if I'm a trader trying to make short term gains trading a million dollars a day, and I decide on a new strategy that involves doing 10 times more trades, the volume just went up by $9,000,000/day but the underlying demand for currency is still the same.

I posted an ask HN about this at https://news.ycombinator.com/item?id=15203974
Regarding partnerwork, rigidity depends on the dance. The frame in cross-body salsa is ideally very relaxed (except for moments of muscle engagement to allow certain moves)
I cant help but notice in the OP visualization, the houston area is cheap - a year of work, and reputed to have little regulation - like zoning regs for flood watersheds, or regulatory oversight over chemicals stored in warehouses...
I dropped them around 2012 when every encounter with a teller turned into an upsell session. I now use credit unions (First Tech, for example) for banking. Also moved the mortgage over to the credit union since they promise to service it for the life of the loan.
Still won't be able to afford a home in Duke County on that salary.
> after 20 years you have no more payments.

You have no more principal and interest payments. You still have property taxes (~$1000/mo for me) and most will pay insurance (~$300/mo) and you'll have on-going maintenance; I think it's wise to ballpark the last at 1% of the house market value.

I'm a two-time homeowner and it absolutely fits my family life situation very well, but it's a common fallacy that housing costs go to zero when the mortgage is paid off.
Bitcoin, Cherch of Blerk and Volunteers Connect During the Destruction of Harvey
There are more alternatives: work remotely, live in cubicle under table, live in a car...
Technically correct, but my point is that these costs are frequently ignored and in order to make home ownership more profitable than renting these costs must be amortized over a very long period of time.
Interesting. I've read both 1) Sam Walton's autobiography, Made in America, in which he mentions Bentonville (it was where he started his first Walmart, IIRC), and 2) an article long ago in the National Geographic about life in the Ozarks (the rural / wooded parts). Both the book and the article were pretty interesting, and nature in the Ozarks looked great, from the photos.
Exactly. My primary credit union, First Tech, also states that they will service the mortgages they originate.
DOGGY Balloon Money Banks
Note the difference between Pathlines and Streamlines and keep in mind that what you see is not an animation of the actual air movement:

https://www.youtube.com/watch?v=OLSmNZm1e0k&feature=youtu.be...
A chip immediately stops all attempts at cloning a card. That rendered all the ATM-addon style devices useless.
can you post a link to the rule, please
So the issuing banks print a BerkShare, sells it for $.95US to the public, and got to keep the $.95US. Hmm, anything that I missed that would dampen my enthusiasm to be an issuing bank?
https://en.wikipedia.org/wiki/Communication_with_submarines#...

> "This article needs additional citations for verification."
That hasn't been my experience applying for credit with frozen reports. I have to unfreeze them (paying the fee), call the creditor to reattempt to pull the report, then refreeze.
The abuse of power in the US is a much larger problem to be sure, and honestly that stuff has already happened [1]. And this is with the stuff supposedtly being public. Surely there are other ways that blend protecting privacy of the presumed innocent without letting up on police forces.

We can do things like keep mugshots of unconvicted people out of public view, especially on police websites and media outlets. We can quit putting folks' names on the front page when covering a story. Sure, publish arrests the cops have made with a general location, withholding people's names and addresses. We can have all cops wear body cams that may or may not be recording and release them to the public once we've blurred the person's identity.

Some of this would take changing a system. Stiff penalties to cops that break the law and are convicted. Better training. A chip sewn into uniforms (which can be laundered at the station with no need to take them home to protect the police during their personal life) to track movements. A bail system that actually looks to see if someone is a flight risk and limits on how long we can keep folks in jail. A robust public defender system (it is a right to have a lawyer, after all, even though some states make destitute folks pay for it nonetheless).

We could start public service announcements asking folks not to judge folks before they are found guilty with evidence. We could use official, licensed services to do background checks and disallow arrest records to be part of the check (probably a few exceptions for security reasons). Train police officers a bit better so they minimally can be aware of their natural biases and work against them.

I'm not saying this list is perfect nor all inclusive, but it is a start.

[1] https://www.theguardian.com/us-news/2015/oct/19/homan-square...
It says the average is 300g, and 256<300. So it was already better in 2009, and as you note it's gotten better. New hybrids do 180, not the normal petrol cars China would otherwise be using.
This would be interesting for academic science. I have a number of unfinished or nearly finished projects that have never been published.
Totally agree - 2016 was a record year in terms of breaches and it keeps going.

The problem lies in that security and efficiency have been historically at odds with each other.

This is what inspired us to work on bringing a novel data security technology from the University of Harvard to the market: www.f-lock.ca . Essentially we are allowing for querying functionality, while achieving homomorphic-level of security.
Would love to connect with any people here who share the same vision!
Proven track record of unproven hype.
some discussion from 2 month ago: https://news.ycombinator.com/item?id=14762904
Whoever said knowledge is power had it wrong. More like knowledge is terrifying. equifaxsecurity2017.com is running Wordpress, which I'm sure is vulnerable in some sort of way.

The check form is literally a marketing tactic to sign up for some 3rd party monitoring service. I used last name Smith and a random series of 6 digits for a social security number and was greeted with:

Thank You
Your enrollment date for TrustedID Premier is:
09/14/2017
Please be sure to mark your calendar as you will not
receive additional reminders. On or after your enrollment
date, please return to faq.trustedidpremier.com and click
the link to continue through the enrollment process.

Equifax security and negligence is borderline criminal.
>You don't need to sell your house for a profit (although we all would love to). Had you rented like @magic_beans wants you to, you might have lost 100% of that money and every year your rental price may go up, you might not be allowed to have pets, you can't make improvements you want; you can lose a lot of control with renting.

For the record, my apartment is pet friendly, you're allowed to paint the apartment, I've been allowed to change fixtures I don't like (such as replace their smart thermostat with a Nest), and there are amenities I could never afford myself (a proper private theater complete with movie theatre seats, a top quality gym, yoga studio, apartment owned cafe, etc.).

And this year want the chance to work in a new market so I'm just not renewing my lease. It took 5 minutes of filling out a form to decide I'm allowed to leave in 30 days with 0 financial burden.

As a 20-something year old I think buying a house in your 20s is a terrible idea unless you're talking very late 20s (practically 30s).

A huge investment feels like it'd be adding almost as much inertia to your life as a wife, kids, and settling down (from a financial standpoint it certainly is). It's an age at which even some people who think they have it all figured out enough to settle down don't (not that it's not an issue at other ages, but the early and mid 20s are a ripe time to do something about it when it happens), and the last thing you want to to do after you decide to make a change is to deal with a mortgage hanging over your head.
Where is the credit report ICO? I have some Ethereum I want to invest.
I guess it depends on where you live and what you're looking for. When we where looking for a house there simply wasn't anything to rent long term that matched our requirements. So the option simply wasn't there. It was buy or nothing.
Unfortunately in my experience I don't know what type of x I'm supposed pass into to. I either have to guess what x is out of a infinite search space or I have to look at the implementation but unfortunately it also calls some other functions so I need to determine the possible inputs for that function and repeat this until I've read 100s of lines of code just to use a single function because someone thought that documentation is uneccessary and 10 seconds of less typing were worth the tradeoff. Static typing is statically enforced documentation. Sure you might be lucky and already have voluntary documentation available but I am not. I'm getting sick of randomly being stuck for 10 hours on some trivial problem caused by wrong incentives.
I like this concept a lot, but like most choropleth maps (i.e. maps that color-code a state or county for a given value), it's misleading because the this is really city-level, or even suburb-level data. I'm not sure what the bedt way to represent this data is; maybe a histogram of median property value of zip code vs population density?
This more-so shows how affordable lots of the country is!
Ah yes; I'm in the UK where local taxes are levied on the occupant not the owner, so you have to pay them even if you rent.
Ask HN: As an experienced engr, how do I change my role?
I have been working in the storage industry as an hardware engineer (system design) for ~8 years. As I look around, I see very few opportunities/openings in other companies which need a similar position. How can I pivot at this point in my life? I have python programming experience when it comes to programming. Ideally, I would like to move into a data analytics/engineer role. I have been doing some courses on coursera/udacity but I am pretty sure that's not enough.Here is what I am aiming for
Sys Design Engineer -> validation/QA role in data center ops (most involve some analytics) -> full time analytics role.

Its hard to find jobs where I can use my experience and get into analytics. Do I need to start all over again? As someone with a family, it would be hard to take a pay cut.

Note:
1. As a system engineer, I do not code at all. I mainly deal with Flash memories - feature design/validation.
2. Reason for a change - open my more opportunities for myself in future.
Having just purchased an EV, I can see the biggest need is at the office and at home. Even at home there are barriers: an evse is expensive to purchase and install, electricity costs are high ($0.29kwh non-peak in San Jose), so it's actually more expensive to take our Leaf than our gasoline car on most days.

Saving grace is being able to charge for free or discounted at work.
The government of Ontario makes a net profit of ~$2B/year off the LCBO and employs about ~7000 people at wages way above what you'd probably see in a privatized market. There's not too much grumbling from consumers, so nobody in government really wants to rock the boat.

Having experienced both, as a consumer I prefer the Alberta model with privatized retailers because there are far more stores and the hours are better. Actually, I found this old Fraser Institute report on the privatization of liquor in Alberta to be rather interesting. https://www.fraserinstitute.org/sites/default/files/Privatiz...

It's not a big deal for me personally, but there's also more room for unique shops. For example, one of the markets nearby does a lot of specialty whiskey imports.
+1. The key thing is that this takes a lot of stress off of her shoulders. That 250k annual income is now spending money. She can spend it all and not worry about savings. I make more than that but can't spend most of it because I have to think about the future---buying a house, kids, rainy-day fund, etc.
Precise Abstractions
Seattle leaders respond to Amazon plans to establish 2nd HQ outside its hometown
I don't think we're proposing a centralized information store- only an identity service.
Looks like your area is now in a "mandatory" evacuation zone. Are you still staying put?
Real estate probably won't be a part of the post-scarcity economy, otherwise I'd bet on just buying a home in 30 years while forgetting what a mortgage was for.
Cryptocurrencies and ICOs.

Research first. Pick the ones you think are actually useful.

It will likely be the fastest growing market in the next decade.
> ... “with big price tags on them” that “have to be removed, or Sharpied over, so the housekeepers and staff don’t see them.”

This is silly? The staff already knows you're wealthy. How? You're paying their paychecks.

EDIT: I kept reading. "Instead, such moves help wealthy people manage their discomfort with inequality".
Then the ideal test is having a bunch of icons with transparency, merged in a single image.
If your roof needs replacing every 15 years then there is something seriously wrong with the structural integrity of your house.
I pity the fool who hacks such a strategic government service. The expression "threw away the key" comes to mind for what might happen to them.
This looks promising.

I'm currently in Denmark and they have this inane two-factor authentication system for all (e.g. banks and not just public) services that uses physical printed cards with 150 codes each; when you are close to using one up you need to get another one in the mail. https://en.wikipedia.org/wiki/NemID

Hopefully if this requires 2FA it can use the TOTP open standard, etc.
https://satwcomic.com/it-s-important-to-know-what-you-like
Getting added on exchanges, and announcing partnerships with banks mostly
Interesting. TIL this; thanks.

I like that approach as it makes clear the financial flows and put the tenant in the logical frame of mind of "am I getting what I'm paying for?" when considering new civic projects or other budget items.
There are certainly valid reasons to be concerned. The eye roll is for the comment about the sole purpose of being "mean" to people who disagree.
From the title, I was hoping it was some sort of cool step sequencer that would somehow help with rhythm training.

How wrong I was.
You can't do shit with 90k usd if you live in SF or NY. If you live in the midwest, good!

Think that as you are possibly an american, your parents might be at ur age getting a house and perhaps even raising you.

We definitely make a lot of money, but everything nowadays if expensive and the "end-game" objectives are more expensive for us than it was for our parents.

In the end, it's just a number, and you are possibly worse off than the previous generation.
How do you freeze them online?
In many countries (e.g. Denmark), this is already the case.

https://en.wikipedia.org/wiki/NemID
Sounded like a fire sale.
I'm surprised at the surprise. People have good reasons for being unhappy with some aspects of Amazon's presence in the city. (When I can't live in my house/apartment anymore because you came in and made everything insanely expensive that's not considered hostility, but when I'm like "hey fuck you" because I'm pissed I can't live there anymore, that is hostility)

But also, it's such a huge company that you can't expect them to run everything from Seattle forever.
Computational approach for pinpointing antibodies responding to a disease
The author took a simple price-to-income ratio and gave it a nice spin. Search for property price index.

The US housing prices shows pretty good affordability compared to where I live now.
Not necessarily – interest rates are exceptionally low in places. My own mortgage is around the 1% mark – it's more efficient to invest the money that would otherwise be used to pay it off.

(That's not to say that there are no other reasons to pay off the mortgage – owning a home outright is a great security to have.)
Application Insights in Visual Studio 2015 [2015]
It allows them to see what you log in to and thus what services you use, much like Facebook can often do as well. (Although luckily I haven't seen that as the only option anywhere yet - that might not be the case for a system that everyone in one's target audience might be forced to use.)
The location is:
Drama 66100, Greece

No need to be ironic though. It is fairly easy to find out.
Interestingly Googling for "visual studio application insights win7 diagtrack" reveals very little.
I agree re. stats, but specific claims he is making is precisely this: for every deep magnitude m there will be compensating shallow magnitude M (> m) along the boundary conditions.

So it isn't just e.g. "earthquake in ring of fire" but rather "strong but shallow earthquakes along west cost and central America". He had also predicted a specific spot in Japan that apparently got hit today with a 4 something. (See his last video.)

Anyway, since now he is predicting a continuity along the fracking zones in the center running East and up to East Coast in the next few days, I guess we'll find out how good his methodology is.

The solar connection he is making is per his conjectured model of Earth (which he claims does not have a solid spinning metal but rather a sort of plasma that gets energy funnled to it via the mag. poles). So one would, as you say, expect to see a pattern of heightened activity correlated with the solar cycles. And I have no idea if that is in fact the case.

Let's see how things pan out.
The basic tools (pip and virtualenv) have been the same for years. Posts like this are about layers that people have built on top of the same underlying tools. There's a lot of them, but that's because different people have different preferences, not because those preferences are changing over time. There's no need to chase the latest trend here (if indeed there is a trend).
Thanks! I already signed up!
For many years I could not get a new credit card, overdraft protection on a checking account or a mortgage. I finally was able to completely remove the freeze so that I could secure a mortgage.
Adblocking is essentially a commodity where companies use community curated blacklists to block ads.

Our USP, though it isn't truly unique, is that it is a network level adblocker. No more installing 3-4 apps on each device on your network. Just point your router to our DNS and you're done. In one swoop, can safeguard entire networks - think schools, coffeeshop, airport wifis.

We want to bring innovation in a few areas -

1. Technical - Identify and blacklist adservers in near real time

2. Business - become a one-stop subscription service where ad supported websites can make money from DJ(Datajoy) users without forcing them to subscribe to each site. FUPM is an early prototype of where we want to take the internet - don't bother with profile creation and subscriptions. Just tell us where you want to be paid and we'll pay you for every visitor we send to your site.

Edit1: forgot to add that we want to do business as a public benefit company. Our vision is to become the Mozilla of adblocking - let others like Adblock distort their original mission by inventing "Acceptable Ads" to make money. We'd like to keep ourselves focused on zero ads along with "Acceptable Use" of the internet.