skysight-inc/HackerNews huggingface dataset:
It depends on the value of the house, how much in charitable donations you gave, etc.

A married couple at the upper-end of the mortgage interest cap who also provides donations can still exceed the $24,000 cap.

Finally, I believe the boosted standard deduction expires in 2025.
Toxic examples:

- "This is stupid" or other negative comments in code reviews (aka non-constructive criticism)

- Yelling or cursing at people because they question you and your decisions.

- talking bad about the company or other teammates to people behind their back.

- throwing a "temper tantrum" when you don't get your way when it comes to some architectural decision.

- refusing to work with certain people or only willing to work with certain people.

- Making large-scale decisions and changes without documentation, discussion, and buy-in from engineering leadership and your peers.
I would agree, people call it flat but in reality there are always some structures, processes etc either known or not. But I do see that there are quality organizations that call themselves flat, when in reality they are more like an open door, open culture workplace. But they still have a structure and organization on how you do things. e.g. you can talk to the CEO, but you are not to use that access to manipulate the team dynamics or direction by skipping the middle leadership.
I used to run a full size rack with servers and gear but ended up downsizing to three NUCs with 32GB in each, a simple managed Ubiquiti switch, and an 8 bay Synology like the one in the article. Doesn't have the "wow factor" of the big rack of equipment, but it's a lot easier to work on, quieter, and cheaper on the electric bill.
This may actually be financial. The rules vary by state, but most states allow practices to charge copying fees (even though they're generally no longer copying paper charts).

I think those are regularly charged if records are being obtained for legal reasons (e.g. drug/equipment manufacturer lawsuits) but are generally not charged if records are being sent to a new provider. Copies for personal use/records are probably on a per-provider basis.
Yep.. offer financing is an easy way to raise the base price of a good.

Homes usually though make sense financially. You get something you own in 30 years so you can live in it on retirement income.. or sell it at an appreciated value (so your net housing costs are at least $0 if you are unlucky to not make any money and not have lost value.. And in some cases you can rent it out to generate income. Combine that with a low rate and it seems like a good idea. Higher rates cause lower house prices though so that's not good except we have the problem now of not enough housing so that may mitigate things.
like aws stepflow?
Anecdotal evidence shows that's it's possible. It shows under the right condition with the right controller, it's possible to go millions of miles without making a single mistake for a human with binocular camera sensors.

Over all human drivers we don't get that result, of course. But how many were following too closely? How many were distracted? How many were sleepy? How many were intoxicated? How many were going too fast? How many were old? How many have a slow reaction time? How many weren't wearing their glasses? All of the above factors have nothing to do with the sensory input to the controller, but are indictments of the individual controllers themselves.

Some human controllers are better than others. Some people hit parked cars. Some people go millions of miles without hitting anything. They both have binocular input sensors. If we equip a car with binocular cameras, that doesn't mean we will have the same result as humans in aggregate. Computers will never get drunk. Computers will never be distracted. In the limit, where we have the right cognition, I believe we won't need LIDAR to achieve better aggregate results than the ones you quoted. It would be as if everyone drove like my father, rather than grandmother.

What do you think the fatality rate over all of UPS, Fedex, and USPS are? Some quick Googling shows that UPS alone logs over 3 billion miles per year for their fleet, with only 25 deaths per year. That's 0.8 deaths per 100 million miles. So we can see with proper training, a human controller can be 100% more effective at preventing death than the general population. And the question still remains -- why were those deaths caused? Were they due to being limited to binocular cameras? Or were they something we could program away like being distracted or driving drunk? Or maybe some were unavoidable under any circumstance? I don't know, but it definitely shows me that this idea that humans are de facto terrible at driving and therefore binocular sensors are not enough for driverless cars (again in the long run) is questionable.
Money in a bank is typically lent back out again, where it continues to circulate in the economy. That's irrelevant to this comment thread, though, which gtCameron kicked off by stating that hoarding money under a mattress is bad for society, to which dnautics responded by noting that even mattress money is eventually spent.
This is apparently a thing, that people will prefer what they’re used to and these days that’s low bitrate audio played through phone and laptop speakers...
I don't think this a good analysis of the cashflows. My rent for a similar asset, lets say a 1k sq/ft 3 bed SFH, would have to be significantly cheaper since my house can appreciate in value while sticking to a fixed mortgage who's effective costs go down due to inflation not including that my landlord is going to (if smart) increase my rent each year. This situation is highly unlikely due to the fact that the person who owns the asset is likely using leverage and thus needs to make money to cover their costs which if anything are going to be higher than mine since the cost of capital for a 30 year mortgage on a 2nd home is always higher than primary residences.
Yes, I see and it's not binary like there's people who download random apps or not and there's people who are young or not, it's just that the numbers are clearly going in specific directions really fast.
Without 30 year loans and low down-payments, areas where the rent is much lower than the cost of owning a house (like the Bay Area) would have much lower housing prices. Many fewer individuals would be buying and the investment firms would not be pumping up prices on a bad investment.
Sure; it's not an unreasonable approach for making such travel carbon neutral; the idea being you're sequestering parity amounts of carbon via the atmospheric gases -> fuel process, and nuclear power covers the inefficiency of such a process.

Downsides include:

1. It's only neutral. It doesn't remove gases we've already released.

2. The process is almost certainly extremely expensive. Until something like emissions taxes are levied, it will not be a competitive fuel.
I'm gonna say "for the fun of it" and "use for practical jokes" (choose your victim and context carefully!
This is the one I have read a bit about. I don't know how it compares to other systems, but it was designed to be robust and reliable under extremely difficult circumstances, including being usable off-line. I was going to post it if no one else had.
Yeah, I don't get the link to Childhood's End at all. He should have gone with Terminator but I guess he was looking for a more sophisticated reference.

As an aside, to anybody reading this that enjoys science fiction: read Childhood's End. It's my favourite book.
You see this anywhere.

Take NYC's outer boroughs. Same block. Buildings built at the same time.

The owner-heavy condos are in far better shape than the ones that are mostly rented.

There is a huge social benefit to ownership.
A for profit company that is wholly owned by the MAPS non-profit.

I know Rick Doblin and have donated a good amount of money to MAPS.

There is no comparison between maps and compass.
Bingo. NVIDIA made a fairly big stink about ASIL qualification efforts for Xavier.
> As software people I think many will laugh at the low TRL of their own work. It isn't too bad or anything since other sectors need to move fast (probably security people will disagree). But other sectors need to move slow and ensure that things don't break. Because things breaking means people dying.

I doubt more than 5% of developers have ever worked on anything beyond a TRL4. SREs, maybe,
I’m in a major metropolitan area in the South. I walked away from an underwater mortgage in 2012 and rented an apartment in the burbs - 3 bed/2 bath 1600 square feet for $1300 month.

When we bought our our house a little further north in 2016, rent was already up to $1700 a month. Now, rent for the same apartment is $2100.

Our mortgage is $2070 a month for a brand new build - 5 bedroom/3-1/2 bath - 3000 square feet.
AIUI, investing in the stock market has a higher expected return with similar risk over a 30 year period.

Owning a home is putting a large portion of your net worth into a single asset. From an investment perspective, that goes against the central principle of portfolio management: diversified risk.
Your address is a matter of public record. Obviously one should be much more worried about SSN, passport numbers, and other government issued UIDs.
> Mortgages are fairly new though.

Mortgages are quite old.

> In America they started in the 1930s and were short term.

No, they are much older. There was a mortgage crisis in the 1930s, but they weren't introduced then.

> Unsure when they became longer term committments

Well, the modern term of 15+ years was a result of mortgage insurance policy of the FHA, established in the 1930s in response to the crisis.

> I suspect mortgages inflated home values, and that homes would be easier to afford without them. But home ownership rates would also be lower.

The last part is true, because they would be harder to afford despite lower cash prices.
Marriot likely leaked European customers information also, so there will likely be a penalty. Probably pretty small though.
> But the measured reality is that home ownership is strongly correlated with wealth

Owning a private jet is far more strongly correlated with wealth, but that doesn't mean it's a good investment.
That universe is hard to imagine without legislation, because landlords will have mortgages and in general rent will be more than the mortgage, so in general it will always be cheaper to own than to rent. That this is not true in all markets only indicates that speculation is driving that market, and either non-market forces are restricting supply, or the market will likely self-correct.
Your strategy is preferable if those numbers are correct and if the person following the strategy is actually investing the difference they saved and they're keeping the mortgage for the full term. I doubt most people are this disciplined, but otherwise I get the idea and definitely considered it myself.

I would prefer to be able to dump all of my extra income into the mortgage and be done with it in 5-7 years, which can be done with either a 15- or 30-year. I'm generally pessimistic about markets and the possibility of there being a downturn, so I'd rather not having a housing payment at all (property tax and maintenance not included), as soon as possible.

As a final note though, re: the "toxicity" of the 30-year, I think that the average person's experience with a mortgage is neither of our stated strategies. The average person isn't picking a 30-year and investing the difference between what they would have gotten on a 15-year. They're picking a 30-year, making minimum payments, probably not saving much outside of this, and potentially selling/moving or being tricked into refinancing within 7 years--when most of their payments were all going toward interest and they built very little equity into their home. That's my problem with the 30-year mortgage.
I thought you should never, ever give your passport to anyone, especially for collateral. Right?
There are so many problems with your proposal it's hard to know where to begin.

I'm going to guess you're American. It might be news to you, but the rest of the world (and many Americans) don't want to be subjected to the United States government and its inane laws. You might love your government and think it does no wrong, but we don't. And it has a terrible track record.

Moreover, what are you going to do when the inevitable happens and this "supersecret backdoor key" is leaked? Your system is a ticking time bomb.

> They could of course issue requests without that field

Your "field" is useless then.

> but in that case everyone could see their behavior and laws could be passed to make it illegal.

Then what would be the point of allowing it in the first place?

> The "whims of a government" are often the expression of strong social forces that exist for a reason.

"Strong social forces" doesn't mean "good social forces". You have an incredibly naive view of how governments work if you think otherwise.
Childhood Fibromyalgia: A Complex Interaction of Numerous Factors
And every other "Autonomous Driving" company has zero real revenue.
The cost of these things are well into first class territory* which I find much easier to sleep in vs business class. Turbulence can still occasionally be a thing, but it’s less frequent on long haul flights because they have more options.

As to internet over the ocean, Gogo has quality high speed internet via satellite. If you have not flown on one of these flights or a competent competitor you will notice a real difference.

*At least until a large number of aircraft are in service. Airlines make the most money per square foot with business class, but first class is still a critical revenue stream. Free up first class space via these and run fewer large aircraft with a higher percentage of business class is going to be most efficient. This also means you end up with either fewer economy seats or more expensive ones as currently first class and business class subsidizes economy.
This is a great article worth reading. I found myself walking around my apartment having a conversation with my imaginary version of the author. There are at least four points that i would quibble over.

That said, i like the analysis. In spite of (imho) flawed foundations it's a solid argument. Does it capture the whole truth? I'd say no. Does it highlight a significant set of factors? absolutely.

Spend the 15 minutes, charitably read the article, decide if it's worth spending another hour picking apart the argument and the analysis. This is one that probably isn't right, but points in the direction of truth. I think the foundations are shakey, but the structure is pretty good. Fun read.
This was before the home equity loan and rocket mortgage refi's. Now days, if you don't have spending discipline, owning a house does not make saving easier or a path to wealth. You can set up a line of credit against your home equity and spend it as easy as writing a check or doing a bank transfer. Many companies are advertising to you that this is a great idea. Most of the people I know in the Bay Area who have bought homes in the last 20 years have spent most of the huge amount of appreciation that has happened to their homes.
Salt Lake City, 1992.
Why not infinite year loans like in some countries?

Basically you just cover the interest and gamble that by the time you sell it the price has increased.
That's not exactly how it works. Development doesn't freeze - change requests, PRs, etc. can all be rolled in right up to the end and even after release if the appropriate process is followed, and in software, even in a safety critical world, you can pipeline updates out in a reasonably fast manner (we can get it down to about two weeks for minor updates). Hardware is an entirely different beast. You have to do FPGA development and prove-out, gate-level sims, timing accurate sims, thousands and thousands and thousands of simulated testbenches (hardware sim is orders of magnitude slower than software sim - hours per second, even on the most advanced equipment). Therefore, each testbench must be developed to test a very specific thing - in general, you can't just run your high-level software unit tests. Anyway, even if Tesla is the kind of company to roll software (doable) or boards (doable, but harder) right up to the last minute ... they do not (and neither does anybody else) spin a chip over and over again during the course of the development cycle. Speaking as the lead of a SW team that proved out a safety-critical custom SOC, it is colossally expensive. Every single iteration takes many months and millions of dollars.
Actually Windows wasn’t a monorepo back then: there were separate repos for the shell, kernel, filesystem, etc. Hence the need for cross-repo tooling like “sdx”.

This is a bit misleading to outsiders. Each of these repos was huge for the time, corresponded to a major subsystem with many disparate components, and the default tooling on the ground was the cross-repo tooling. One got the impression that if they could have pulled off one giant monorepo to rule them all, they would have, but they fell just short due to some technical details (cough spinning magnetic disks). In the meantime `sdx` was a convenient abstraction that allowed people to work in a monorepo way.

All in all it wasn't so different from present-day monorepos broken into git submodules for performance reasons.
Everyone needs a place to live, and most people aren’t going to move frequently enough where renting would be a superior option (excluding specific outlier markets like SF and parts of NYC). The mortgage interest deduction isn’t terribly generous, but property taxes usually provide for an exemption if you’re an owner versus renting. We subsidize home ownership heavily in the US.

I’m not arguing you should treat your home as an investment primarily, but if you own or plan to, recognize it for what it is, another asset in your portfolio.

Also, I have a comment in this thread where I point out that future market returns are expected to be on par with your mortgage rate; paying your mortgage down would be a better return than investing if those predictions hold true.
This is a really good write-up to get people started on the road to streaming fragmented video. video2hls is doing a lot of heavy lifting.

https://github.com/vincentbernat/video2hls
So let's say you have 5 product managers, 5 project managers, 5 architects. Do you think they should all report directly to the CEO? Or should they report to a... Manager?
If you want to move that 6% realtor cut is pretty nasty. A year or two of rent right there.
If you are building a prop software/service above open source, your business success depends on two factors: 1. the popularity of the open source and 2. the goodness of the prod software/service.
How to manage the highs and lows for creative consistency
You'd be coming out ahead compared to renting _and_ putting the house downpayment into a checking account, which nobody would ever do.
Where does that 80% stat come from? Do you have hard data or just gut feeling?
Mark Zuckerberg vs. the Times
You should also look at Azolla. It grows crazy fast and is also high protein and fixes both carbon and nitrogen.

https://en.wikipedia.org/wiki/Azolla
It might be if you are renting a private jet monthly for slightly less you could purchase. And for some reason older jets are worth more because they are parked in mature airports.
You still need to pay property taxes though which are based on your properties value.

The real benefit in my opinion is that it locks you into a permanent shelter price so that you can live someplace long term without getting priced out and if the value of your home skyrockets causing your variable price property taxes to skyrocket (california not included due to prop 13), you can sell it and make a bunch of money and then move somewhere cheaper.
Not to mention that many of us have a "better" idea what to do with 100 million dollars and would gladly trade some our founder's equity for the opportunity!
As a side note, 99% of the statistics are made up, including this very sentence.
Big Data, Machine Learning and a Team of Jedi Masters
Even if it's not now, their intention is to provide higher levels of SAE automation on the same software as time progresses, which means that the current hardware probably has to hit a higher design assurance level than the current software.
Thank you! Finally someone says that here on HN \o/
Population is growing and the earth is still the same size. The number places you can build a new home is shrinking and more people want a home - so prices will tend to go up. So it’s usually a safe bet to say home prices will only go up.
I've wondered if some of the loudness wars are driven by an attempt to compensate for lossy compression? The wars haven't abated - the latest by Panic At The Disco is the loudest I've ever ripped.
Is there a big market for this?
when and where the info comes from is important. someone could, over time assemble a dynamic probability schedule of your physical location, this is not good if you are physically meek, extremely rich or integral to government or industry, AKA kidknapping or worse
Randomly transpose keys }:>

Random error messages

Reboot randomly

Create unusual files

And yet the antivirus can't find anything. :)

BBS lists, Turbo Debugger and that giant purple & white Microsoft Press book with most of the Int 21h calls. Undocumented DOS, Undoc PC and Abrash's books were also helpful. Later, there were good free resources.

Yeah, DOS viruses were bad: booting off an infected floppy, infected HD or running untrusted code was all it took. In Windows, it was worse because autorun would run untrusted code automatically without warning.

There were some darn useful TSR's like Super PC-kwik Power Pak, QEMM and Desqview. Stacker and Doublespace/DriveSpace were kinda slow but did (mostly) work. Stacker had an accelerator card IIRC. And a commercial white bag/gray box mod for Welltris, Mouse Commander, added mouse support to Welltris for DOS by doing some mouse driver to keyboard translation in a TSR that was loaded and unload in a wrapper .BAT file. Many trainers, no-cd/runtime cracks and cheats also used TSR tricks to run.
An evidence-based parenting book I read recently (Kazdin) strongly emphasised ABC for understanding behavior: Antecdents, Behaviors, and Consequences

It also emphasized that far more effective than punishment is reinforcing the positive opposite.

What do you plan to do with your time that has positive ROI (return on investment) for yourself, your family and friends, and/or your community?
Every single app I install immediately starts showing me upsell notifications. So the first thing I always have to do after installing an app is go to the Android app manager and disable its notifications.

Websites don't have this issue. This is just one of many reasons why I'd rather go to your website than install your app.