skysight-inc/HackerNews huggingface dataset:
This is generally not true.
Most loans were structured to have a down payment (meaning that you still had equity in the deal) and to amortize faster than the car depreciated, so you were never underwater.

Only recently have we started financing cars the way we financed houses in the 2000s, and mobile homes in the 1990s etc etc.
At least where I am the bus stop is never more than 30 minutes walking from wherever I want go. If I am visiting a suburb I am never in a rush and a 30 minute walk is quite nice.
This is more the model for buy-here-pay-here type lots. They make their money reselling the same car worth $2,000 for $4,000 to desperate people with few options and no hope of paying it off.

These 0% deals are the lending arms of the manufactures performing some financial wizardry to keep the metal moving, so to speak. These companies abso-fucking-lutely do not want a bunch of new buyers defaulting on their loans and flooding the market with cheap, lightly used cars.

This for two reasons. The first is obvious, a 1 year old used car is absolutely competition for a new car. The second is much more subtle, a glut of comparable used cars suppress prices below lease residuals. That second fact is critical because, depending on market, leases can make up to 70% of new car sales. The losses from leases can pile up quickly. Imagine selling 80,000 cars on lease and have the fair market value come in just $2,000 less than expected, that's a $160,000,000 loss in a single year. It's a lagging loss too, so you made the money from the sale when times were good, and now you have to pay the penalty for the mistake in three years when times are lean.

It's a balancing act for sure. They want to keep the cheap money flowing to get people in cars, but they know going too far over that line is a kiss of death. Mitsubishi crossed that line during the last recession and couldn't recover. Also, these lending arms act as a solid asset that can be disposed of when times get tough, so it's a good idea to keep them financially healthy.
There are multiple blocklists you can enable.
Most people won't even have a choice. They either aren't working from home now or will stop working from home when things reach some sort of resolution.
>> might as well go for the longest term that gets the lowest rate and pay it off whenever you feel like.

That is a great textbook approach, pick a car you can afford and demand the best deal, but things work differently at car dealerships. These very long loans are not about getting someone a better deal on a selected car. It is more often about taking a monthly payment that the customer can afford, then maximizing the amount of car that payment can finance. At the really shady end it is about getting someone into ANY car.
I always say this site is where people who know a lot about only one thing argue about everything else.
I find podcast advertising be very effective and targeted without being scammy. I would have never heard about Backblaze, Hover (instead of GoDaddy), Warby Parker, SquareSpace, Linode, Eero, or probably SquareTrade if it weren’t for podcast ads. I’ve used or recommended all of those services.

I also find Overcast (podcast player) ads very useful and have discovered a lot of great podcasts because of it. Marco Arment creates his own ad network so he could control both the content and he wouldn’t have any mystery meat binary blob advertising SDK.
It's useless to negotiate it separately; I understand that.

Even though the provided interest rate, the price of the car, and the trade-in value (if any) are fictitious numbers, they still go into your bottom line cost.
We are better at making software that is easy to change, than at making software that is easy to use. Look at most FOSS. :)

When programmers are left to control the requirements (no product managers anywhere in sight), the program structure will be still reasonably maintainable and thus easy to change, as a matter of pride before other programmers, but the thing will be hard to use for non-programmers.

"Oh, just give it --help and you will get the expected input language in crystal-clear EBNF ..."

Software is malleable. Who is attributed with that famous "software is infinitely malleable" quote, in fact? Fred Brooks?

Of course, Brooks believed that a program was "incompletely delivered" without source:

"The dependence upon others has a particular case that is especially painful for the system programmer. He depends upon other people's programs. These are often maldesigned, poorly implemented, incompletely delivered (no source code or test cases), and poorly documented. So he must spend hours studying and fixing things that in an ideal world would be complete, available, and usable."

(From Mythical Man Month)
Pandoc has an extension for cross-references.

https://hackage.haskell.org/package/pandoc-crossref

https://lierdakil.github.io/pandoc-crossref/
Ask HN: As Covid-19, why is the world and human so fragile In a high-tech world?
Maybe for most people the high-tech is not that important for their life,

Maybe it is time to slow down and think what are the most important for a basic happy life, how to more reasonable and appropriate use all these high-techs,

rather than continue to crazily speed economy and create more 'high-tech'.
I miss working in the office. I miss the comradery, the social aspect, cracking jokes, special lunches, walk stretch breaks, etc. I think work for a lot of people is a fun social time, even though they are working. I feel like working at home I have less fun and actually work more.
Thank you; the misfits who make startups
Yes. This WFH is all kinds of uncomfortable.
Something that commonly occurs when it comes to deals like that is the price of the item is marked up, so it ends up costing more in the end.
Long term storage of the kind I'm talking about has two parts: a capacity part, and a consumable part. The capacity part is the same whether you need it for an hour or a month, and would be MUCH cheaper than nuclear plants of the same capacity. The consumable part (in my example, hydrogen) would be expensive, if needed for a month. But that doesn't happen very often, so on average the cost is quite reasonable.
Can nbdev be used with other Jupyter kernels, for eg like Julia.

My main issue with notebooks is putting them under version control in git. This seems like it could help with that.
How do you reconcile this with your day job? Or did you go on to work with Clojure full-time?
SoftBank’s Troubles Deepen with Warning of $16.7B Writedown
Structural unfairness in the Senate is a weak argument for splitting the Union. Once the Union is split, Russia, China and probably other countries start playing one fragment of the former Union against another. The reason the Chinese government is trying so hard to stop China from splitting (beyond the existing mainland-Taiwan split) is to avoid a repeat of the bad old times when Japan and European powers were able to play one Chinese-language-using polity against another.
More banjo practice.
Software engineering is about solving real problems. The only time you need to write malleable software is when the problem needs a malleable solution.

Pushing for everyone to write malleable software sounds like telling people to forget about the particular problems that they are solving, and telling them to solve a general problem instead. Now you’re writing a complicated system for general use, rather than a simple solution for a well-defined problem. Your solution will now take longer to develop, be harder to understand and MUCH harder to test properly (way more use cases).

Obviously some problems need general solutions. But if every problem needed a general solution nobody would get anything done.
> concurrency is still hard. Proceed with caution

> No Scalaz or any other FP-crusader stuff ever

That stuff which some people might consider FP-crusader vanity is something which can make concurrency manageable, maybe even joy.

I encourage you to open your mind, at least for a bit, and have a look at ZIO or Monix.

> Enforce coding rules with linters

Absolutely! Scalafmt and Scalafix for the win!
Too bad their takeaway seems to have been “people are stupid” rather than “people had a point”. If AOL couldn’t make a useful program that worked in offline mode, with a content cache loaded on-disc and updated with content regularly, they were totally missing out on the “mail magazines to houses annually” strategy of using those discs for more than just trash waste. But people don’t understand modems and it was easier to mock them than to build a better product.
There's effectively no public transit out where I live. I mean, there's some sort of regional transit presumably for poor people who don't own cars but it's not really practical otherwise. The one time I looked on Google Maps, it would have taken me 4 hours to get into the city, including walking along a busy street with no sidewalks, to get to a bus to take a train. And this is about an hour drive.
So why say ‘wow the finance is 0%’? The cost of finance is meaningless on its own.

I could be paying 20% finance and be getting a better deal than you paying 0% finance.
TIL about brace expansion, thanks!

(also "namsral" in the GitHub gist comment section beat you to the punch)
Azo contact print that shit.
Google
http://infolab.stanford.edu/~backrub/google.html
The Definitive Guide to Pricing Plans
Look at what happened to Yahoo after the dotcom bust and startups weren’t using VC money for advertising.
Theranos was in fact testing people, who received both false negative and false negative results.

From the article I link below:

> At its height, Theranos operated 40 “Wellness Centers” in Walgreens stores in Arizona and a single location in California, which were the source of much of its revenue. USA Today reported the metro Phoenix-area centers alone sold more than 1.5 million blood tests, which yielded 7.8 million tests results for nearly 176,000 consumers.

https://www.darkdaily.com/previously-high-flying-theranos-pr...
Appreciated! (I only just saw this.)
According to this, as 'primary', Ticketmaster typically holds the money until after the show which puts them in a better position than Stubhub...

"Here’s how the money works in concerts:
...
Meanwhile, the “primary” ticketing companies associated with the venues the artist will play sell tickets over several days of presales (artist password, credit card, Facebook or Spotify password, venue or radio station password) during which, hopefully, many of the tickets are sold. Finally, the remaining tickets are released to the general public sale. With luck the show sold out. With a lot of luck, demand was so high that dynamic pricing kicked in, and the ticket prices were moved up continuously over the course of the days tickets were sold. In almost every case, the primary market charges a fee on every ticket sold. Typically primary markets don’t pay the artist until the show is played, the money raised from selling the tickets is held."

https://www.ticketnews.com/2020/04/opinion-stubhubs-urgent-p...
Right. I mixed them up because it really should be the opposite.
I would prefer to use brace expansion after learning about it today, over this.
this is all just a long con to try to convince everyone to integrate Guile
I don't know, I actually don't know enough about olive farming practices to know if monoculture is a factor? I assume this is a factor and you are correct.

I did find a Nature article about it https://www.nature.com/articles/s41598-019-45365-y that was pretty useful. Seems to suggest it was a factor and may expand the effected range, but it is also an introduced disease and doesn't require climate change to impact large parts of the Mediterranean coast.

edit: You may be interested to know bananas didn't go extinct, per se. Mass market US bananas are propagated clones. We have bred the seeds out of bananas (with rare exceptions), so most large scale agricultural plants are tissue culture or cutting clones. The mass market variety was the Gros Michel/Big Mike, which you can still buy online easily. Panama Rust is adapting to the Cavendish, which was resistant when it became the new US mass market variety after the Cavendish. Greater availability of other varieties would be great. Neither of those are the best bananas out there (Nam Wah, Pisang Raja, and Blue Java are all great).
Where Finder/Explorer really fall flat is for commands on multiple files. Shift/Ctrl/Command clicking of files is painful with long lists. Especially when the list is longer than the UI window can display.
Who uses cobol?
Do you have any system behind the process of creating the categories themselves? Food, personalities, linear algebra, logical fallacies, mystery containers?
Average cost of car ownership in the US is in the $10k/yr range: https://www.investopedia.com/articles/pf/08/cost-car-ownersh...
> That's just insulting I'm writing from my own personal experience and trying to explain my arguments.

Your arguments are the same as the copy-pasta. It isn't anything new, it isn't anything convincing and it isn't even an argument really.

> So a relative newbie, eh? I might have expected as much.

Yeah yeah yeah yeah whatever. You conveniently missed out the fact I've been programming since the late 80s, just not as a Software Engineer.

> Understatement. You are not however good at learning or listening. Or debate.

Why should I listen to someone that does the same recycled arguments? I listen to a lot of people, just generally not people who recycle the same old nonsense. You haven't told me anything I haven't heard before.

> Maybe the reason you keep hearing the same arguments is that there is merit to them. Maybe your viewpoint isn't universal and a large number of other people see things a different way. Maybe the reason you aren't convinced is because you don't take the time to listen and understand what others are saying. I understood your points, I accept some of them, for example bash isn't any good for managing SQL databases. You've offered nothing but insults false assumptions and general negativity and that "you don't like it".

I don't think streaming text around between programs is in any way robust. I don't mind the whole "lego pieces" and single responsibility principle. But it is hardly unique to Unix. This tirade against me because I don't agree with your ideology and somehow I am a bad person is quite amusing though. The so called insults were extremely mild so don't pull that nonsense.

Goodbye.
Very impressive speed up!
Unless we want to take a permanent hit to overall productivity and profitability, yes, most people will return to the office real quick. Trying to be efficient while hunched over a 13" mbp at your kitchen table while your children and spouse expect you to be available even though you're "at work" is near impossible for most people.

I've worked from home for 9 years and it took a long time to get to the point I felt just as proficient as I used to at the office. That didn't really happen until I had a dedicated office in my home, a good desk, a great monitor, and an amazing chair.
Right you have a possible win there. Totally slipped my mind since it’s not currently available.

Apple stores still need to allow people to connect their iOS devices and maybe USB sticks for photos, but they could have created a “read-only” policy and applied it to store machines.

Of course, these days they just distribute through the app store, and those apps put tentacles all over the place. No USB copies would function.
Dedicated office with a door being key.
It was known from early on that the arm for severe cases had trouble recruiting the target amount of patients. The study design clearly forbade patients who had received prior treatments with other antivirals. In the beginning when testing was scarce and hospitalization was very delayed that was not an issue for recruitment. As tests became more available and patients were hospitalized earlier and with national guideline recommending antivirals it became increasingly harder to recruit patients who could meet stringent trial conditions. It is likely that they ended that arm early so that they could deblind the trial and publish the data sooner. If they really wanted to withhold information the way to do it is to prolong the trial so that data could not be published at all.
Stories like this make me feel that large chunks of the US are fundamentally broken. I just find it interesting that Americans assume that public transport is impossible rather than their current layout was designed purely for car transport and that it can be fixed.
I am really chilled, what a cool thing!

Please add text chating, just please...............

This remind me reminiscent of drive-in movie theater...
As corporations now run the Federal government with their army of lobbyists so they can twists laws and regulations to their liking, why don’t we cut out the middleman and remove the need for lobbyists by replacing US senators with their masters? No more Senator Smith or Senator Jones. It is Senator Facebook and Senator Goldman Sachs now.
I miss that, too. I don't miss the meetings and the noise, though.

I don't live alone. If I did, I would miss those things much more desperately.
Agreed. Although, sometimes difficult in practice. Evaluation committee selection itself is as much of an art as a science.
Not if you're people I've talked to recently -- any cold or flu and people are like "yeah I had it any it wasn't too bad, I don't get all the fuss. I'm immune to it now!" Even though they never got tested
No, the earth cannot sustain ‘good life’ consumption for even the existing population.

If we learnt anything from this covid crisis, it should be exponential growth can be devastating. And that we must flatten the curve. Be it the virus or global population, it’s the same thing.
It's a tool to verify the software runs correctly and doesn't double free, write over the heap and a while bunch of failure. Unless you never run simulation and always trust the router?

Not everything gets verified 100% in HW, otherwise we wouldn't have silicon errata. It's all a question of how deep you want to go in verification and what your costs are for screwing it up.
I consider myself incredibly fortunate to be able to work from home. I imagine most people on HN are in a similar position.

There are plenty of people that successfully wfh every day, but it's not for me. I like being able to go tap someone on the shoulder and have a quick conversation without turning it into a massive vc call.
I like where you’re going with this but I’m not sure the analogy is quite right. If you’ve read Dawkins, the genome is composed of genes which are basically the quanta of self-replication. He goes on to coin the term “meme” to refer to the analogous units of self-replication in mindspace. In other words, the brain is not analogous to the genome, rather the particular collection of abstractions (memes) which dominate how a particular brain processes and reacts to the world would be its cerebral “genome”.

I think we can say that natural selection operates across all levels of abstraction, because in the end the only objective reality is the biochemical one. Everything else is simulation. There is certainly a strong parallel between capitalism and Darwinian natural selection but I can’t immediately see a way to state that relationship in a clear analogy.
Depends on the business. It has asked the question 'why not?'. For some businesses and employees there's clear reasons to work in an office (need to talk or interact, need to be manage or be managed) - for others its just a hangover from a previous era and this will help open up flexibility.

I think there will be a lot more '3-4 days in the office and the other day(s) from home' as it also accords with many businesses goals to save money on office space through hotdesking.
We have had doctors in the West asking people if they had traveled to Wuhan even in the December time frame. Who knows for how long they've been in the know about the whole thing and nobody said a word until it was too late.

Western reporters (if such a thing exists anymore) in China have absolutely failed to do their jobs on this one.
> Remember the adage: If you aren't paying, you are the product.

This is not that. The person above you is referring to manufacturer financing deals. You're buying the financing and the car at the same time from the same parent company. You are paying. The part you pay for is the car. The financing is simply a loss leader.

> They would only offer such a loan if they had alternative contingency plans such as massive penalties.

Penalties aren't a good plan for recovering anything from a person who has defaulted. Nobody is paying the penalties on a car that was already repossessed.

Financiers who are worried about about the default risk on a loan typically do this by requiring down payments up front.
I've worked from home quite a bit over the last 14 years. It's nice to have the ability to be productive on some days while having a little more social interaction on others.

I think some people will probably stop fantasizing about what working from home is after this and hopefully some businesses will realize that people are actually a little more productive when not constantly under their supervision. (Did you get the memo?)
I have a feeling that tech companies in the most expensive parts of the Bay Area are going to have trouble getting some people to come back to the office rather than move somewhere a bit cheaper and continue to work remotely.
I think people have unrealistic hopes for discounts. Partly because I've been window shopping auctions and partly for theoretical reasons.

Just because car sales are down doesn't mean the people who aren't buying cars now are going to change their mind because of a slightly lower price. So I doubt it's in the interest of a savvy seller to change their asking price much.

If you're selling mundane utilitarian cars, then lowering your price isn't going to increase the number of essential workers who just got their car totaled and need to buy now.

And if you're selling sporty toys to people who are financially unaffected by current events, maybe you could increase sales a little with discounts, but maybe they are by definition buying anyway, so why bother?
My wife and I have placed three InstaCart orders in the last month. Super fast, and excellent, service. We have been giving the shoppers a little over 20% of the total order cost as a cash tip, on top of what InstaCart pays them. The shoppers seemed to be happy to have the work.
I'm failing to find a list of recommended OTC drugs for covid19. All I'm finding is a generic statement that OTC drugs may help with symptom management.

https://www.cdc.gov/coronavirus/2019-ncov/if-you-are-sick/ca...

Ventolin is an inhaler. It opens up the airways during asthma attacks or similar. Pseudoephedrine is a decongestant.

The article under discussion indicates the author was given an inhaler and cough medicine at the ER and states they helped marginally.

Amphetamine salts are apparently used to treat ADHD. Some people use them illegally to concentrate for mid terms and finals at college or similar. I'm not personally aware of any valid reason to think they are appropriate for covid19.

Epinephrine is used to treat potentially deadly allergic reactions. You might know it better as "an epi pen."

It is contraindicated for a long list of things, including several heart issues that are potentially similar to the heart distress covid19 is causing in some patients. I'm guessing epinephrine would be a really bad idea to use with Covid19 without a really compelling reason, especially without medical supervision.

https://www.webmd.com/drugs/2/drug-146863/epinephrine-hcl-pf...
The backslash basically means "ignore any aliases or functions by the same name, and run the first matching command in my $PATH instead".

One reason for providing this is so that you can have an alias like

alias mv '\mv -=myfavoritearg '

but it's also good for ensuring that you didn't pick up some distro nonsense.