skysight-inc/HackerNews huggingface dataset:
There are two possible options there.

1) The loan is still on your books. In that case, you are in the same situation as an individual who has invested money in a 4% bond and can't withdraw it from there while at the same time paying 6% on a car (or house, or whatever) loan. It's annoying, for sure, but whether it's a serious problem depends on your net assets (which you might draw down to make up the difference) and your net income at that point (which will depend on whether you are still managing to make loans at higher than 6%). Also, 20 * 1.5 - 10 * 2 = 10, so I think you you still come out positive in this scenario, subject to some _really_ simplifying assumptions like the rates being 2.5 and 4 for 2 years and then jumping to 6 and 4, and ignoring the fact that money now is more valuable than money later, etc. But yes, if you keep the loan on your books you do run the risk that rates will go up and the money will not be optimally invested; you presumably try to model that risk and price it into your rates.

2) You sold the loan on to investors in the form of bonds. In that case you really don't care that much, as the loan originator. The investors who bought a 3.25% (or whatever; some loan management fees come off the top) bond now have the problem of having a bond that is paying likely below-inflation rates, and can't be sold, except at a loss, because of that. If the question is why investors would buy such a bond now, it's because they need something to invest in and pickings are pretty slim if they want a risk profile better than stocks (and we can argue whether morgage-backed securities give you that) and they are betting rates won't go up that much.

Now you could ask why people generally buy fixed-yield bonds at all, which is really the same question. My guess would be that partly this is a bet that rates won't rise (partly driven by central banks' commitment to macro stability and therefore not having too-large changes in interest rates). And maybe partly an issue of what time horizon the bond purchasers are operating on...
Wait, that really happened? I saw a YouTube video crop up and immediately laughed thinking it was satire. You really can’t make this stuff up. That really destroys any goodwill that people may have felt with this release.

I want to give them the benefit of the doubt but I really doubt they “accidentally“ made it mandatory to sign up for their new service. That would’ve been really annoying for development/testing.
You can write bots in Slack. Actually they tout that as a big feature.
A number of end-to-end verifiable voting systems have been proposed and fielded! See [0].

The key issue they try to solve is how to let you check your vote was counted without being able to prove who you voted for to anyone else, thus preventing coercion attacks.

Most of them rely on paper, but some [1], provide reasonable guarantees about online voting.

None of it involves blockchain.

[0]: https://en.wikipedia.org/wiki/Scantegrity
[1]: https://heliosvoting.org/
For what it’s worth, $75k and whatever time you spend on this doesn’t seem like a massive amount. I feel like you took a risk when you had many other things to do and the risk was calculated and overall worth it — even if you got unlucky.
No but they should be putting more humans towards their larger creators. Anyone with over 100k subs shouldn’t have to beg on social media just for YouTube to take action. Some creators have direct contacts but even those contacts are limited in what they can do.
Singapore is first in the world and it's right in the equator, while Hong Kong, the other one at the top has a humid subtropical climate. Are you perhaps from a cold area? That would easily explain your bias.
The elephant in the room for the "it's all about race!" folks is the Flynn effect, though. https://en.wikipedia.org/wiki/Flynn_effect
"The CJEU has ruled that while sampling without authorisation may infringe copyright, the use of a music fragment that is altered and unrecognisable does not require authorisation." https://www.musicweek.com/labels/read/european-ruling-on-lon...
Some things become clearer once you understand: a lot of people who say "X is invalid" really mean "We are better off not talking about X".
I am not a poor man. I use cash regularly. I have never in my life even seen $10,000 in cash, let alone had it in my possession, still less tried to use it in one place. That's anecdote, not data, but it suggests that $10,000 is indeed in the "money laundering" territory.
Square to move St. Louis office downtown and expand hiring locally
This is some South Park Chewbacca defense-level logic.
USB-C: Confusion
India tiger census shows rapid population growth
Tesla Adds Netflix, YouTube Streaming to In-Car Content
The real fun ones are where we have to submit the curriculum for approval every time we make a change (considering we make small tweaks to curriculum every day - they did not plan for that use case).

Good thing there are APIs for printing and mailing changes to a diff :)
I don't know enough about IQ to refute this, but let's assume it's correct. Taleb would still be wrong about his IQ claims as is the point of this post.
There are some ways to do this on paper ballots! They aren't foolproof, but provide optional verification of votes without relying on electronic voting.

An example: https://en.wikipedia.org/wiki/Scantegrity
I used to think Taleb was too harsh on academics. Seeing how academics respond to his well-worked critiques, I now think he's not harsh enough.
The armies are assembling, however.

Linus Media Group has Floatplane, CGP Grey and friends have Nebula... YouTube, like Netflix, doesn't have a special sauce. It has creators, and those creators are happy and eager to leave.
I think it is a good example that it is the fact that customers WANT IT that is important.

A lot of people here are technical and of course are concerned with technology, but it doesn't matter how right you do with the tech if the customer's don't want it... and to some extent it doesn't matter how WRONG you get the tech if your customers are happy / want it.

I work at a place where spreadsheets aren't "powering" things but they're certainly how some folks think about things and ... that's not so bad really as spreadsheets are pretty amazing.
I think that would be better represented as “has access to quality education and gets trained in areas needed by the economy”.
Tried it. While the interface looks 'nicer' at first glance, it fits far less content on the screen. It also had more of an email-y vibe while Zulip has more a chat-y vibe, which I personally prefer.

Beyond that, Zulip is open source and self-hostable, while Twist is not.

Side note, we have a chat about self-hosting set up on Zulip at https://homelabos.zulipchat.com/ with 85 members and growing. It's been great for new users to be able to come in and catch up on old discussions in a way that isn't possible with non-threaded platforms.
What's the source of this quote?
In one of the Hitchhiker's Guide books, Arthur ends up on a planet of people with Neolithic technology and is very excited to recreate civilization, until he realizes that the only modern artifact he understands how to make from scratch is a sandwich. Luckily, everyone loves sandwiches.
It takes much longer to listen to an audio recording than it does to read a sentence. And in certain cases, compose one.
Uhh. I am sure you know that there exception to every rule. Hell, even current set of Iranian sanctions have them.
How is Raven's matrices biased?
Doesn't mean the psychologists are wrong.
I agree we should have more nuclear power in the US for the current time. It is just expensive to get a power palnt with all the regulations, but they are needed to help prevent disaters. And with the research into Thorium-based nuclear power it could become a little safer.

The US does not stop countries from have Nulcear Weapons. But you know if you signed the Treaty on the Non-Proliferation of Nuclear Weapons and then make nuclear weapons you are in violation of the treaty. Pull out of the treaty and no one can do anything.

We dont stop North Korea, yeah we try to convince them not to because they are slightly unstable, we dont invade and destroy their nukes. Iran did sign the treaty though.
You pay for "close" to it, but no chat app is going to have 100% uptime at scale.
> The challenge we face as a society is to build the structures of popular power to decide collectively which burdens are worth their weight, and how to distribute them justly. These are not choices we should leave to politicians, or even engineers.

I understand the allure of creating a system that allows the "popular power" to make decisions, but that in itself is a difficult problem to solve.

We couldn't possibly crowd-source how to solve this flooding problem until the majority of that crowd has been educated on several aspects of the issue. Perhaps what the author is implying is that there needs to be a better interface between Politicians/Engineers and the people such that the P/Es say "hey here's our plan, find the flaws" and the people say "here are the flaws"

But there's the difficult problem. There will always be flaws and trade-offs, and this kind of interface eats up large amounts of time that may be better spent implementing a short-term solution to buy a few more years until a long-term solution is reached. It's a catch 22.

The decisions must eventually come down to the P/Es, but maybe we just need to add a few more feedback points into the decision-making system.
From a glance through the list, there's also a decent correlation with socioeconomic development, which is to be expected. There's a ton of multicollinearity going on.
I have some family in WV (it's absolutely gorgeous) and the government is always fun conversation!
But a race is a particular genetic line. If intelligence is genetic, then it is entirely possible that one genetic line of humans has a lower intelligence than another line.

Right?
Show HN: Maps autocomplete for business names and addresses in US
IQ arguments are the most boring thing I've seen hackers engage in. Even worse than blockchain and genetic engineering in terms of poor scientific quality, immediate jump-to-conclude-my-personal-pet-theory-is-right-because-anecdote, ignoring social factors.
I never really understood how such buggy software can have such crazy high valuation. Seems like just a matter of time before someone does the same thing but better.
I'm an ex-CTO of Livestation, which was a profit-making firm doing OTT TV.

Short version: news channels are so keen to get soft power projection, they'll pay you to carry them.

That was started as a validation to prove peer to peer Silverlight was the future. As you can tell from looking around you today, that didn't work: it ended up being a pretty standard HLS/HDS stack. Eventually it pivoted to UGC live-streaming and became an app called Busker before dying out.

This stuff is harder than it looks, but there is a massive, massive market for it if you can find a way to make the numbers work.

As a research project this looks nifty, but be aware: GeoIP DBs are awful for geofencing particularly on US/Canada.
(Don’t) hold the phone: new features coming to Pixel 4
This might have had played a role.

https://www.mic.com/articles/157977/inside-the-secret-meetin...
I think you misread my comment w.r.t the 100% part.
No, pumped hydro is still quite economical. For the time being I believe it's the cheapest from of utility-scale energy storage.

The whole "baseload" thing is largely a myth pushed by the coal and nuclear lobbies. It hasn't been relevant in new generating capacity in a long time. Instead, new capacity is being planned and built with multiple "overlapping" dispatchable sources along with storage. Eventually the term will go away completely.

http://redgreenandblue.org/2017/07/18/myth-baseload-power-no...
Same! Mine's a 30 year old Volvo wagon and a 32 year old sedan. Besides oil changes, I've spent about $2000 in the last 5 years of ownership. I was only left stranded once, but that was because the NAPA in the middle of Nebraska didn't have the part I needed to get back on the road. I would doubt that the same NAPA has many Tesla parts in stock as well.

If Tesla is to ever have the same reputation, it will be because they made issues trivial to diagnose, dead simple to replace and allowed other manufactures to make replacement parts.

However, this whole argument is moot, because the era of the 15-30 year daily driver is over anyway. When my ignition computer failed, it was $35 to swap one out from a junkyard. You just have to unplug the old one, and plug in the new one and off you go. What's the procedure for replacing a computer on a 2018 Tesla in the year 2038?

Furthermore, any new car has little maintenance to really worry about within the first 100k miles. If you are upper middle class in a bougie area, you're probably buying a new car before maintenance is really an issue anyway. (cue everyone chiming in that their Subaru's turbo blew up 100 miles outside of warranty)
> "like (hypothetically) IQ being a test for WASP culture and knowing WASP culture being correlated with better job opportunities."

These sort of arguments always ring hollow for me, because I am not a WASP and the test I took didn't resemble a WASP-culture test in the slightest. The test I took was all "given this series of abstract geometric patterns, which comes next," not, "During which season is the weather at Martha's Vineyard the most temperate"

Maybe wrapping your mind around abstract geometry is something WASPs are good at and, say, people from the Islamic world suck at, but I really really doubt that considering the relatively elevated roll geometric patterns have in Islamic culture compared to WASP culture.

Of course I am neither a Muslim nor a WASP, but even so I am pretty sure I didn't struggle too hard on that test.
So, instead of spending “several thousand a month at this scale” which isn’t a lot of money for a business, you wasted how many engineering hours or worse founder hours that could have utilized building features or signing-up new customers. Developer; I have to pay money, nahhhh I’ll just build it complex.
The parent clearly meant the sort of people who use it as some status symbol. Some posturing of worth.
Multiple people can't get access to the paper documents at the same time. And when they do get access there's no guarantee that they are getting the actual papers that citizens submitted. Even if you got citizens to individually sign each one with their private key and write the signature on the paper, you still couldn't prove that votes weren't removed
It could be worse. I’ve never lost any sleep because of it. Regulators have the best of intentions in California so far as I can tell, so just a few hoops to jump through.
Unintentionally. Of course they are doing it. Youtube's content policy is so laughably bad that they probably have no choice but to take their own interpretation and use that.
What software do you use for stt on your mobile?
Autonomy is a red herring to cheap.

Other form factors are nice, but also indirectly related.

On the other hand it may only take one tiny disruption in ICE engine supply chains, or one large production ramp up to an order of scale efficiency boost to drop EVs below ICE vehicle costs on a like-model for like-model basis. With all of the major German automakers now on an "electrify everything by 2023" plan, one or both of those disruptions may exactly happen within the next five years.
Greenhouse effect increases temperatures mostly in cooler areas of the Earth (which is, mostly, beneficial for people, because it allows to grow more food) and does not affect temperature in already hot areas (close to the equator).

If you want to live in a colder climate -- just move North: Canada (almost empty), Northern United States (Alaska is almost empty), Northern Europe, Russia (almost empty).

I moved to Florida, because I like warmer temperatures. A lot of other people are moving to warmer South too (from colder North).

I will vote against laws that may bring temperature down.
Managers in a current company don't what "AI winter" is.

The whole "AI winter" meme is just a psychological complex in the mind of a few old-time Lisp coders. It has no relevance today.
>specially when trying to do something new

New is the easiest case.

If your "new thing" entrenches the status quo and generally benefits those on the top of society the law will be interpreted as in your favor as it can possibly be.

If your "new thing" threatens the status quo or makes the poor more able to annoy those on the top of society the legal system will go through whatever contortions it must to throw up roadblock after roadblock.

If your "new thing" is somewhere in between or if most people are indifferent but there's small vocal minorities who feel strongly for/against your thing that's where it gets interesting.
Well, IQ is their measure. They should be able to defend it properly.

And frankly, if there is any doubt that IQ maps to intelligence, then its abuse over the last half-century has done immesurable harm to individuals and given considerable fuel to racists.
I could not agree more with this comment. As a fellow owner it's astonishing how much is incorrectly attributed to the brand instead of the operators of the vehicles in this kind of writing.
Talebs' main beef is that the system selects for drones that serve the system and can think on its terms and the question is obviously why would it not do that. All systems protect their own integrity and obviously the IQ test would further serve to protect the power structure of the people who designed those tests. And the effects of selecting for these sorts of people is obvious everywhere in a dysfunctional system which pretends to care about critical thought and different ways of thinking only to subvert those and use those to increase its own control and power... despite not being a good candidate for managing the affairs of the planet.
Focus more on the real problems over tools.
Most youtube creators have no money to spend on lawsuits with big corporate entities.
Cyber Security Podcasts – Updated Weekly
They are down... You are talking about the potential to kick them.
The timing is interesting, but same action could have been taken say 4 years ago and it would technically still be true. Whatever the reason is, it is not the recent SDN update.
Why would you need dependency injection if you can dynamically replace imported modules through Node's module system?
> because fewer activities are really impacted ... Digging a ditch with a shovel

Yes, and that is why over time this is becoming more important. To put out some arbitrary numbers, you can use a shovel with an IQ of 70, you can operate a backhoe with an IQ of 90, you can engineer the backhoe with an IQ of 120. Manual shoveling disappeared as an occupation 50 years ago apart from niches, driving as a profession might disappear in the next 15 -- and it does matter whether the people made unemployed by technology can be upskilled to be repairmen/engineers/programmers. If IQ is >50% genetic, they can't and you have to figure out how to deal with 10-20% of the population being permanently unemployed or employed in extremely-low-skilled jobs.
https://en.wikipedia.org/wiki/Theory_of_multiple_intelligenc...

there are versions of this, but is anyone surprised that an attempt of big-S Science to put a single number on humans, has fundamental challenges ?
Why Lie Detector Tests Can’t Be Trusted
Of course there are racial correlations. The "races" are 5 gigantic buckets that abstract over an unimaginably complex variety of DNA. The reason why people get so worked up over this is because someone always chimes in with "based on these correlations we need to face the hard truth that black people are dumb and ashkenazis are geniuses, act accordingly".
Congratulations, Carlos Maza.
Have you taken a professionally administered IQ test? The types of questions asked can't be prepared for in the same way as you might prepare for the ACT. But if your first exposure to IQ-test-like questions is an IQ test, there is no way you will achieve your maximal score.
I think you would be surprised at how many outsourced solutions don't deal with all the RBL issues, complaints, RFC compliance etc.
It's really is quite strange that scholars would hesitate to show this, I don't know of many examples of similar behaviour around other subjects.
Agree, because the audio is richer.

A slight pause, a 'hmmmm', a chuckle, can infer the statement as a question, or at least give a hint as how confident the statement is, instead of a proclamation.

Otherwise, without inflection, every sentence can read as a definitive statement. Zero nuance, and we end up with places like Twitter. It's awful for discourse.
This was the accepted scientific understanding circa 1900. Interestingly enough, this was used by early activists to argue that global warming is a real phenomenon. The logic went: since people indigenous to tropics cannot have advanced civilization, and Angkor Wat is clearly a product of advanced civilization, then Cambodia wasn't tropical when it was built.[0]

[0] https://newleftreview.org/issues/II97/articles/mike-davis-th...
Circle of life. Stack Overflow came about as a direct solution to Experts Exchange that was doing exactly the same thing.

So now it's up to someone to build a new solution which will last for another 10 years until they too decide to cash in.

Probably the smart move from Stack Overflow is to secretly create the competitor themselves.
This really needs to be the top post.

It's increasingly acknowledged, even in the "soft" sciences, that r-squared is not an appropriate analysis tool.

Anyway, wasn't the IQ test originally created to determine whether or not someone was mentally disabled? It seems like with more modern statistical methods it still could be useful measurement for that purpose, even if it doesn't accurately "scale" beyond 80 points. Ultimately, if you just want to answer the question "Does this person have significant cognitive deficits?" it still has its place even if it's not a good measure for broader intelligence.
That's part of the problem. IQ does predict educational achievement, but education has very little effect on IQ. For example, early intervention education has a temporary effect on children that disappears as they age.

In other words, IQ does not measure how educated one is.
Concerns about vote selling and coercion are already gone. It's practically impossible to actually prevent people from filming their votes as they are cast, and livestreaming my vote to you is just as good as having you sit in my doorway for it.
> The sad thing is that eventually we'll probably find some genuine correlation between genes and some measure of intelligence (controlling for every conceivable other factor).

Why is this sad, and isn't it obvious that we already have? I mean, it's been well proven that humans are smarter than many other species, even when those animals are raised in "human-like" conditions.

It seems completely obvious to me that, since we see genetic-based differences even within species in numerous traits (height, strength, speed, memorization ability, etc.), why would we think intelligence would be any different.
By IQ 20 you hardly have any mental capabilities at par with other humans, and you didn’t need the intelligence test to see that (and if you did, you didn’t need to summarize the IQ for the diagnosis).

However if you go the same number of standard deviations up (~5.333) and get to 180 you don’t see any super human mental capabilities. In fact there is nothing really that distinguishes a 180 IQ from the average 100 IQ (except socio-economic factors like education, well paying job, rich educated parents, white or east asian heretige, etc.; and you didn’t need the IQ to tell you that).

In short. IQ is never useful when you measure above the average, and only the test generating the IQ are useful when you get several standard deviations below the average.