skysight-inc/HackerNews huggingface dataset:
Proper valuation of real estate takes into account the future: usually 15+ years of rental income, maintenance cost, interest on loans, vacancies and churn, the development of surrounding areas in that period and then as a clincher: the future value that the building can be sold for. The underlying principle of any valuation is that there is "At Least One" potential buyer. That makes valuation of real estate an art. Say in a downturn when nobody is buying, the value is suddenly non existent. Valuers have solved that by the "At Least One" criterium: you just value in the fiction that there is always a buyer. I've been involved in several dozen valuations from a risk management perspective and that is the one thing that stuck by me. The downside risk of no liquidity is not in the valuation.

What does this lead to? A value of zero in case of tenants is highly unlikely unless there are some large cost are modelled. If there are a lot of vacant properties with zero current value, that might lead to all values being depressed. If in the set are buildings with high future maintenance cost modelled, the value of the set could become zero.

Perhaps the bank didn't want the risk of all eight properties at the same time and he should have moved step by step: first buy and redevelop the buildings with tenants, only then to expand and get leverage while building on an existing portfolio. That is the way real estate fortunes are made where I live. Get a building, make condos, fill them, show a positive cashflow and add leverage. Rinse and repeat. With rental income in 5%+ and interest moving to 1% it has been a few lucky decades for those involved.

The statistics mentioned between loaning in white and black communities are quite stark. However, to give some more perspective from the lender. A low interest rate signals even smaller risk appetite for the lender. If there ever was room for defaults in portfolios, there is none at interest rates < 1%. It just kills your business to have any one customer fail on payments or worse needing auctioning off. I guess he could easily get crowdsourcing or private investment at 25% of needed capital with his story if he did 75% downpayment at 4%. But that would kill his part of the business case. I would agree that this risk management view could blow up inherent biases in the way valuation work.
Oh clearly not, GPT-3 clearly produces fairly intelligent responses but by the mechanisms that in a human would be pure reflex. And your unconscious reflexes can produce responses that can be relatively intelligent at times. It's just that creates with brains that evolved on Earth need consciousness to remember anything more than a couple of seconds.

Also, who knows how qualia fit into this, if they exist they might very well exist for subliminal stimuli too. In the scientific study of consciousness qualia aren't a part of the paradigm really. And in philosophical investigations of consciousness don't have subliminal stimuli as part of their paradigm.
The real problem is that for-profit news reporting will always start copying the biases of its readers, because that's how you'll sell more papers to them.

Only state-funded news sources are imune to that, of course they have perverse incentives of their own.
Emacs has problems of it's own which vim often does not have. Sometimes those are even quite serious. And evil is far from being perfect itself and still somewhat alien in emacs-space. So staying with vim and just enriching it is also a good solution when you don't wanna buy into a new platform.
6000 Quantas staff let go last month. Hard to keep everyone when travel is virtually zero
He suggested to Hitler that any disputes he had with the UK should be taken to an impartial tribunal - what's so bad about that? Of course, with the benefit of hindsight it may look naive - but that's easy for us to say now.
All those sites look like news sites to me, except the Atlantic, which is indeed limited to opinion/commentary.

Salon's About page: "Salon covers breaking news, politics, entertainment, culture, and technology through investigative reporting, commentary, criticism, and provocative personal essays." A few titles from their site:

-As pandemic spreads, feds go MIA
-Did Steve Daines get pharma kickback?
-The second pandemic: Pollution
-Many Black, Latinx and poor Americans who needed relief the most never got a stimulus check: study
-Dr. Fauci says it's not "dreaming" that a coronavirus vaccine could arrive by 2021
-The COVID-19 downturn triggers jump in Medicaid enrollment

The Root has an explicit "News" section (theroot.com/c/news). Some titles from the site (not limited to that section):

-Jamaica's Supreme Court Rules That School Can Ban Child With Dreadlocks (No, We're Not Kidding)
-Protests Planned in St. Louis, Mo. After New Prosecutor Says He Won't Make Criminal Charges in Police Killing of Michael Brown
-Brooklyn Man Sentenced to 10 Years for Hate Crime Against Black Woman
-After a Summer of Social Media Trolling By Gen Z, Trump Says He's Going to Ban TikTok From America
-Rumored VP Candidate Rep. Karen Bass Explains Video of Her Praising Church of Scientology, Denounces Fidel Castro
-Michigan Appeals Court Grants Release of Black Girl Who Was Detained After Not Doing Online Homework

Vox:

-The slow-motion 2020 election disaster states are scrambling to prevent, explained
-The US ambassador to Brazil reportedly asked Brazilian officials to help Trump’s reelection
-Scientists have backed away from the worst-case climate scenario — and the best one too
-“The end of arms control as we know it”
-Polls: Biden and Trump are nearly tied in North Carolina and Georgia
-As coronavirus cases increase worldwide, an Australian state is imposing tough new restrictions
-Lawmakers still “not close” to a coronavirus stimulus deal, a day after $600 federal relief expired

Huffpost also has a "News" section (the most prominent of all). Some titles taken straight from their front page:

-Coronavirus Live Updates: Read The Latest About The COVID-19 Outbreak
-Top Health Official: Time To ‘Move On’ From Hydroxychloroquine Efficacy Claims
-College Athletes Threaten To Skip Season Over COVID-19, Racial Justice Demands
-Watchdog Calls For Probe Amid Fears Of ‘Voter Suppression Tactics’ Through Postal Service
-Thousands Ordered To Evacuate As Wildfires Scorch Southern California
-Navy SEALS Investigate Video Of Dogs Attacking Colin Kaepernick Stand-In

The very first section of Slate is titled "News & Politics". A few titles from that section:

-The US Takes On TikTok
-The Republican National Convention in Charlotte Will Be Closed to the Press
-Arizona Congressman Tests Positive for COVID-19, Blasts Republicans Who Don’t Wear Masks
-Hundreds of Coronavirus Infections at Georgia Camp Raise Tough Questions About Schools Reopening
-EU Extends Ban on Dangerous Foreign Travelers (Americans)

In sum, there's no way to claim these are not news sites.
Looks promising :)
This is indeed a very powerful property. However, I have a question: is it a regular practice to ensure that code marked unsafe is actually safe for whichever parameters it receives? Or could the safety of some unsafe code depend on the way its safe wrapper is called?
That's a measure of deaths due to the coronavirus pandemic, not a count of the number of deaths from coronavirus. It's important to note that in the UK, fewer deaths than the average year were measured at the beginning of the pandemic because routine and non-emergency medical procedures were cancelled or postponed.
> you won't find any angels here [0], including Gandhi

I don't understand. If anything, these letters just made me respect the man more. If you had linked examples of the letter of his youth in SA, with racist undertones, maybe it would have been somewhat relevant with the previous sentence "But as always with those with a PC agenda", but those letters to Hitler clearly shows the inner world of a great man, no?

Anyway, thank you for the link, it was extremely interesting.
I work (apart from my sysop dayjob) as a it-trainer, so i need to design handouts for my students for which i use "Singum!", an old, but really nice DTP software. Normally i print the handout on my Epson LQ-500 dot-matrix printer (which produces really nice prints for an dot matrix printer) and photocopy them in the institute i teach in. I need to maintain attendance-stats, lists of exam-results and other spreadsheets, for which i use "VIP-Professional", it is Lotus 1-2-3 compatible and i have a small tool that converts its spreadsheets into *.csv if i need to send the files to someone with a more modern system. For the normal letter writing etc. i use "Papyrus".

I was thinking to put this whole "using an ancient computer in modern times" thing into an article for a while now, it seems i will have to stop procrastinating on this matter and start writing in the next few days ;-)
>> Alexander Grothendieck was a mathematician who became the leading figure in the creation of modern algebraic geometry. His research extended the scope of the field and added elements of commutative algebra, homological algebra, sheaf theory and category theory to its foundations, while his so-called "relative" perspective led to revolutionary advances in many areas of pure mathematics. He is considered by many to be the greatest mathematician of the 20th century.

Wiki: https://en.wikipedia.org/wiki/Alexander_Grothendieck
> Leaving the European Union is going to allow the UK to make the kinds of trade and visa arrangements with these countries that reflect the interests of the majority of expats, the kind that it should already have had.

If you're talking strictly about immigrants, UK could have made visa arrangements in the EU. A bunch of EU members have such agreements with non EU members, already.
The binge watching crackdown begins
Had used a MAC, none of this would happen.
Remember that having that rule doesn't stop people from asking for advice. If someone wants to say, "this sucks! What's a better way of doing it?" they still can. The rule-as-written doesn't even preclude a replier from asking, "I've got a suggestion, if you're interested?" (although that might still be frowned upon, it still comes across a lot better than "have you tried this?")
daemon only helps with startup, it does not solve the runtime-bootlenecks. Though, there are settings to minimize those, and other soltions in progrewss which might hit emacs-master in some years.
>>Literally every senior has Medicare

Ok, but that in no way means it is "good", you seem to operate under the flawed belief that universality == good, when it can be universally bad

>has access to many types of care that requires private insurance for anyone else.

That is clearly false, as an example when my parents got on medicare they had to find new providers and new doctors as their long time doctors did not accept medicare at all largely due to the substandard payments they would receive.

It is false to say the medicare offers the exact same access as private payers. There are many many many doctors in private practice that do not accept medicare, you almost exclusively have to enter a large health network for it to except medicare largely because those health networks have the ability to increase the prices on their non-medicare patients to make up of the loss they experience by accepting medicare and/or they end up with a HUGE patient / doctor work load for medicare patients requiring them to schedule appointments months or some times a year or more in advance

To highlight medicare as model we should all have shows either A) your ignorance of medicare or b) your willingness to accept a standard of care far lower than what we have today in private medical treatment

>>big counties have contractors to liquidate the assets of sick people driven into Medicaid every day.

it is ironic that you talk about people being on illness away from ruin in the private system when you understand and know that if you end up with a illness bad enough the government will seize all of your assets to pay for that care. Does not seem like a vary fair system to me but I am sure you do not believe in private property either most socialist do not
I'm deeply sorry to hear that he's great endeavor to do well by doing good is being blocked.
This is not an apology to the systematic racism that prevents the entreprenur Brian Rice to get a loan.
He's right to make his personal struggle known and try to improve the system.
This said and given I'm a single founder of a boostrapped startup:

is there anyway he could bootstrap his project and do that in a smaller scale without funding?

As I said before it's terrible to force him to do so, but at least if he does bootstrap and succeed and many do the same one day some of them will be banks/VC and will remember the inequality they suffered and they will not push it further to others.
The Seven Deadly Sins of the Current Monetary and Financial System
It was a different time, with different problems and different challenges. As you say there were no angels and I am sure that you can parse history to find fault with all figures, but Gandi's stances non-violence (but not peaceful and compliant) campaigning seem to me to be admirable and something for everyone to emulate.
Informal Systems| Senior Distributed System Engineer (Berlin, Toronto, Remote)| Full Time|
Informal Systems| Senior Rust Engineer (Berlin, Toronto, Remote)| Full Time| https://informal.systems/

Informal is an R&D institution that conducts fundamental research and development into the design, implementation, and formal verification of distributed systems and protocols, including blockchain systems like the Cosmos Network (https://cosmos.network/). Our mission is to bring verifiability to distributed systems and organizations.

We’re hiring:

Senior Distributed Systems Engineer - working on open-source distributed systems software in Rust that forms the foundation for production blockchain networks securing billions of dollars in market capitalization.

Senior Rust Engineer- working on open-source products and developing correct and reliable software that serves as critical infrastructure in the blockchain ecosystem.

You can learn more and apply online here: https://informal.systems/careers/ Feel free to reach out to hello@informal.systems with any questions!
I would say there's an equally massive chance that the speaker will mention Sears who dominated the mail-order business until Amazon came along :D
There is a quite significant dip 1979-82. Anybody knows the reason?
In socialistic system no one “really” cares about you either, I can assure you.
Any easy to follow along guide where you implement your own compatible ActivityPub server?
This could be a chicken and egg problem, too.

Banks lend on statistics, just as insurance companies have rates based upon the same. And insurance companies, for the most part, can assign rates based upon average accident rates, for identifiable traits.

Like one's sex. Or where they live (a common way to get statistics without 'race/colour').

So what do I mean by the chicken and the egg, here?

Well, imagine that black landowners go bankrupt more often. And sadly, this could be because black landowners go bankrupt more often!

If a specific statistical classification indicates more bankruptcy, then it becomes true. For example, bank $a is bold enough to lend to someone whom they view as, statistically, more likely to fail. Then.. a few years later?

That person needs a fiscal injection. Were that person not black, it would be easier to get funding at a time of need. However, since that person is?

Well, then they get more denials, go bankrupt, and add to the proof that "statistically, more black people go bankrupt". Or as the banks are likely doing it, "the area where people live in".

In other words, unless you can make EVERYONE, 100% not deny based upon an statistical models? Race/gender/sexual orientation/sex/where they live, etc, etc? Anyone, like bank $a lending outside of those models, will be lending to people less able to find additional assistance when/if the time comes.

Chicken and egg. It's not right, but I view this a little bit like certain regulations, where corporations can't compete against other corporations which 'cut corners', so we have to mandate all corps behave in a certain manner to level the playing field.
Half the universe was missing until now
How to Properly Match Customers with Vendors in a Two-Sided Marketplace
“On the Brink” – Really? Revisiting Nuclear Close Calls Since 1945 [pdf]
Wow, that sounds wonderful. I hardly read Australian news, but I would subscribe to something like that for Australian News!
Hiring Senior Python Engineers – Remote Available
We’re hiring a number of Senior Python Engineers to join our team based in London (with opportunities to work remotely). The team are working on a greenfield project to build a new platform which ties into our international expansion in Texas, France and Spain.
Where do you see "UI>UX"?
Ask HN: Python – simple pass fail read out to the terminal
I was watching a video of a python dev code. When he’d run the code the script would run in terminal and out put green or red text with a pass/fail output. Does anyone know what testing framework this is? I’m new to writing tests into code but would find this incredibly useful.

Output

[check]...............Pass
[check]...............Fail
When showering without shampoo, do you still wash your hair with water?
I'm sorry, the double negative there is making it very difficult for me to parse and understand the distinction you're pointing out.
What is FX Delta 2.0 and how it can help you
Yes. Totally agree on TEKLA Structure. Their Concrete detailing also improved substantially in past few years.
$$$ versions have few cons:

1. It is a decision point so requires reselling at every new version.

2. Old Versions must now be maintained for n years.

3. Features and sometimes bugfixes) are now kept on hold to bundle to make a big bang version release.

4. Multiple devices now add additional decision point, should you buy and iPad pro version of the app and a mobile one. Value of these would vary for users.

With a subscription model: companies can reduce the maintenance window, have a 3 months release cycle, support multiple devices and have only one decision point for the user am I making enough to justify $ / month.
How long are those tenants planning to stay?
> If you don't want people to build money-making products on top of your OSS

there's a middle ground. You can be "bummed out" by some of the side effects of say OSS, but also appreciate other positive things about it?
On comparison: Take the movie "die hard". Since its creation 1988 (i feeld old) it has been rewatched time and time again and been paid for by nearly every channel and streaming service.
Now look at an newspaper edition from christmas day 1988. Yes, it still costs less, but you would agree that it was already "old news" a couple of days after and rereading it is not really worth something to you, is it?
One invisible cost in journalism is research and failure. I had a boss who humorously said "just research things that we will print", but in my area of experise in journalism - data and investigative reporting - more or less half of the research is a dead end, isn't interesting enough or has issues that make reporting unadvisable. Yes, sports has a better qouta, but has also taken over by bots writing the articles.
Also: Can we agreee, that independence can only be achived with decent pay? It is an issue in other areas of work as well, but this is not about those. Journalists need to be paid well and (mostly) independent of their output or you already weaken/poison the base for independent news. And this scales more than you think.
Now multiply this to have competition in journalism (like, gasp!, multiple newspapers/mags on the newsstand for one city) and it gets really, really expensive. All that cost was hidden when the only way to locally advertise was in paper (before the internet).
I looked it up and it’s only 3 states that do it. My state, Georgia, is trying to end it.
No but interviews mention Quincy Jones saying that he made Thriller to "save the music industry". Ambition aside, it seemed to be a serious issue.. yet I can't recall why ? post disco fad counterwave ?
To be fair, the BBC is about as independent as your average non-state media company, and definitely less entangled with the past five governments than anything owned by Murdoch.

That said, it is a bit awkward, given the UK's own undercounting.
Is this satire? I am not familiar with the site.
I might also add that the WHO (the Word Health Org, not the band) has issued guidelines about how to classify these deaths, including answering the question about co-morbidities. They recommend a very inclusive count.

But to put that in a realistic perspective, it is a little bit like if you corporate Enterprise Architecture function published new guidelines for how to ensure data consistency across business units. Publishing a document does not make it so overnight.
In Socialism, people exploit people. In Capitalism, it's the exact opposite.
The market decides if this new interface exceeds the expectations of users. This is how unregulated capitalism works. Someone with a unique perspective identifies a potential opportunity for competition in the UX space for HN and creates something better. If their understanding of the marketplace needs is more accurate, and their solution better solves those issues, then users move to that interface.

IMHO, I don't think this is the case for HN users, but the the new layout would improve advertising accessibility for future revenue opportunities if someone was so inclined. However, I suspect the integration of graphical elements and advertising would NOT meet HN user needs having well established that HN users eschew exactly these elements of traditional web media.

But I don't get to decide, the market does. I get to watch, and tug at my beard and wonder at the results over time.
I'm waiting for the "Ransomware Negotiator with min. 15+ years experience" jobs to show up.
> - £0 per downloaded song via torrent

For most Youtube musicians:

- £0 per song video view via Youtube
Mainstream markets are ~stupid. There's no reason people need to go to a mechanic to fix most of their issues.. it's a propped up paid convenience.
Present day, for local news, you can still get quite close to this compared to your perceived past standard. You can get as close as you can to this ideal on world news as your perceived past standard if you limit yourself to Reuters, AFP, AP.

But many find these sources unengaging since they report events as they occur and do not contextualize them in media narratives to the extent that more commonly popular news outlets do.
An amazing obsession for all the Daily Mail commenters : the dinghies. In France this question raises perplexity : why do you think we should enforce your border control instead of your administration ? You pay us for having your border in France at Calais, but you do not pay us to make the job of your border officers. Recruit agents and give France a break please. We have other concerns than your Brexit or your migration policies.
It certainly drove the development and adoption of "micropayments" at the time.

There was also confusion around copyright issues, with some characters seemingly thinking that "under 30 seconds" of copyrighted music was fair-game.

I also remember when you could make custom iPhone ringtones in Garageband and easily transfer via iTunes, though that feature seems to have vanished(?).
Gas crisis?

More difficult to go to the store?

Also, 8-track tapes?

Total speculation.
It’s especially frustrating when you see how banks will fund SBA projects for fad businesses like cupcake bakeries that are unlikely to be in business in 5 years. By then, the bank has made its profit and can dump the loan on the government.
This is government data that says 451,024 people tested positive and the figure they released was 278,827. Are you reading the same article?
Linka X Fleta