skysight-inc/HackerNews huggingface dataset:
> Facebook users now have fewer rights under the GDPR than they did before under the old data protection law because, according to the Vienna Higher Regional Court, they have entered into a contract to receive personalized advertising.

Well played, Facebook.

Does this loophole completely neutralize the GDPR?
While I agree with the overall thesis that housing prices are currently overvalued in many areas, there is a lot to this analysis that I don't like because it paints with too broad a brush. E.g. it kicks off with:

"Housing market returns are very bad. Between 1948 and 2004 the real increase in value in the U.S real estate market was less than 1% a year."

While that may be true nationally, as they say in real estate: location, location, location. There is huge variation in real estate prices, and that 1% average masks giant gains in some areas and enormous losses in others.

The thing about real estate is that a desirable, greatly supply-restricted asset is always priced at whatever the top earners in an economy make. That's why real estate with unique, constrained features (e.g. waterfront, city center, etc.) has appreciated unstoppably, while there is a cap on price appreciation for easily-replicated homes (can always build another suburb further out in Phoenix).

Thus, blanket statements of "don't buy a home" are ridiculous without more context of exactly which home it is you plan to buy.
This depends on the state, e.g. in California:

"Strategic default works in California because this is a "non-recourse" state. Unlike in many states, a mortgage lender in California has only one type of legal recourse in the event that a borrower defaults on a loan: to foreclose on the property. All that the bank can do is repossess your house; they cannot sue you in court to recover payment for the deficiency, which is the difference between the outstanding loan balance and the amount that the bank recovers by selling the home in a foreclosure auction. Strategic default has the advantage that in many cases it allows the homeowner to remain in the property for an extended period because the process of foreclosure often takes a considerable amount of time. During this period, you can save the money you would normally be spending on your mortgage and use it to pay down other debts."

https://www.sandiegolegalpros.com/other-practice-areas/forec....
This is one of my all time favorite movies. I’ve seen it probably 30 times and it is always just as good. A lovely lovely story. As others mentioned, Arrival is similar and that is also a top movie for me.
An example of HN's Silicon Valley bias, maybe? California (and also Texas) are non-recourse states, but most other states are not.
I think you'd be surprised. Despite the ease of obtaining an EMT license in states in the US, it is relatively difficult to hire them [at the wage the market wants to pay, which is near minimum for commercial services]. You'd likely lose a substation portion of your service's staff by making that rule.

I think there's a substantial difference between wearing PPE and vaccination, both on the employer's side as well as the individual employee's perspectives. Mandating proper use of PPE can never have unintended side effects. No adult has ever died from improper use of an n95 face mask or nitrile gloves. The jury on the new vaccines is going to be out for a while on long term effects. It's not reasonable for an employer to require them yet.

Besides, that would spread the legal burden to the employer were something to go wrong.
The one time I was hit by a car as a pedestrian was a driver who wasn't paying attention. He was making a perfectly legal left turn at a green light, except for the pedestrians in the way (me and my girlfriend).

The danger with an autonomous vehicle is it not seeing you. The danger with a driver is not noticing you.
And yet the statistics from dating apps say something absolutely different.
In colloquial speech, most people don't differentiate between "mean" and "median". My guess is that, in that kind of survey, the participants read or say "average" and implicitly mean "median" – and exactly 50 percent of drivers are better than the median, by definition.
You can't just give nurses more patients indefinitely though. That reduces the quality of care and leads to more deaths. An intubated patient is literally only being kept alive by machinery 24/7 and needs a high level of nursing care, a level that you don't remotely get if every single nurse is responsible for more than a couple patients. We simply don't have enough medical staff.
OpenJDK does support AAarch64 for JDK 8 onwards[0]. Available as part of Ubuntu 18.04 as well[1]. I've used it quite a bit, and for the most part it's slightly faster than it was on x86_64 (though how much of this is due to JIT differences as opposed to core performance I can't say).

0. https://hg.openjdk.java.net/aarch64-port/jdk8/

1. https://packages.ubuntu.com/bionic/arm64/openjdk-8-jdk/filel...
> Just because.

Maybe they actually read those EULAs and privacy policies and made an informed choice.

I mean, I wouldn't want Facebook making a self-driving car, and it's not because I doubt their machine learning chops.
I read it as slightly hyperbolic but relatable.

Many, many people have been re-considering their living situation in the face of a pandemic, with a lot of their assumptions being temporarily or permanently broken.
There are options in between buying and renting.

One is co-living, co-housing, or whatever is the official term.

Check out https://www.ic.org/ to see if there is a community near you.

I'll second the author's point. I wish that I'd have rented and put the extra $800/month into the stock market. I'd now have millions more.
All rules have exceptions, but the top two that come to mind is that blues usually start with a dominant 7th chord (for the I) while jazz standards don't, and blues usually has a 12-bar progression while jazz has a 32-bar AABA structure.
Strange way of comparing your main residence with an investment. Why not buy a cheap home and/or invest regularly?

If you're strictly thinking "I have X$ and should I invest it in stocks, crypto or real-estate[1]?", then sure, your arguments make sense. Otherwise, it's apples vs oranges.

[1] I did not use the word "house" in here, because that implies your main residence, for which, if not buying, you pay rent anyway.
Very much so. You’re not only getting housing, but you also have an asset that you control that appreciates in value year over year. And what do you want to own and control in a zero or negative interest rate policy environment? Assets.
Graham seems like he'd be much more authoritative on this topic than Musk.
>The 737 max debacle doesn't inspire blind confidence in the West though.

That's a rather peculiar argument. Most people wouldn't think twice about boarding an Airbus or any non-MAX plane from Boeing.
But what about the down payment?

If you don't have savings for a down payment, and are renting, then there wouldn't be a difference. But if you've saved/invested money instead of putting it in a down payment, you could probably expect returns on that.
No, I'm not saying I have a higher chance of dying IF I get hit by a bolt of lightning.

I'm saying I have a higher chance of dying by getting hit by lightning going about my life as normal than dying by getting a whole slew of routine medical procedures done.
Not a nit at all; the parent comment has the cart completely in front of the horse. Humans use vision (primarily) to drive because it's the only sense we have that's even close to being sufficient.

There are certainly other senses (lidar, ultrasound, radio signals) that robots could avail themselves of that would be helpful even in conditions where vision also worked.
3x the collateral, not 3x your yearly income.
This comic essentially expresses day to day events with alternate vocabulary, often creating quick and repeated exhaling of air through open mouth or uprising of mouth corners.
SNES party helped my partner and I get through the Covid quarantine apart from each other. I'm really happy to see efforts like this.

Hopefully the author open sources this so that the community can contribute things like a more polished UI and save state management system. Seems like the kind of project that makes sense to be open-sourced.
If you have a family and your significant other is adamant on it, yes. If you treat it exactly as renting and don't treat it as a private slush fund to refinance every 5-10 years, yes. If you wish to become a landlord one day, yes. If you intend on staying in the area long term and have a good feeling you will be staying long term, yes.

Otherwise, don't do it. Cheaper homes are money pits. Newer homes are occasionally farther out from the city and may not have the best service coverage such as internet. Mowing lawn/blowing snow/raking leaves? What about HOA's? Property taxes? Hey your neighbor reported some random one off violation you had no idea existed and now you've got something the city wants corrected and it'll cost $5k. In a flood zone? Want to sell? Hey remember you're in a "seller pays for buyer & seller realtors fees!

The list goes on and on. Homeownership is a monumental chore. It's only for people literally do not want to be apartment vagabonds anymore. Homes are for people who would much rather waste their time than their money living. Sure you don't get a "return" on renting, but you also have one bill: rent. Obviously I'm being a bit dramatic about the whole issues with homeownership, but the more people you talk to about owning a home, the more than have that minor minutia thing that eats up your time.

At the end of the day, you have to ask: "Do I value my time or my money more?" The former, rent; The latter, buy a house.
I do. I post about it often here, so instead of repeating myself, I will add a few links to my earlier comments and posts here:

* Recommendations on learning Common Lisp: https://news.ycombinator.com/item?id=25442155

* On Lisp communities on Reddit r/lisp and Freenode #lisp: https://news.ycombinator.com/item?id=25543565

* Observations on State of Common Lisp Survey 2020: https://news.ycombinator.com/item?id=25291780

* Lisp in Vim with Slimv/Vlime: https://news.ycombinator.com/item?id=21735148

* Emacs4CL (a tiny quick starter ~/.emacs): https://news.ycombinator.com/item?id=25440690

Like many others commenting here, I too use SBCL because of its good performance. I keep CLISP around mainly for nostalgia's sake. I began learning Common Lisp in Sep 2007 during a long layover at an airport using CLISP 2.41 on Debian 4.0 (Etch). Also, having another implementation helps me to test that my code is portable and does not rely on any SBCL-specific features.
Mortgage leverage is more like 20x for first time buyers

VA loans have even higher leverage
I think it is because they had already built out a lightning ecosystem years before USB-C came and mostly solved the same problem lightning did.

This left Apple in a weird spot. They could keep the iPhone on Lightning and users could continue using the same cables and peripherals they have been since 2012. Or, they could switch. This would require many users to buy new accessories, but they could be generics that work with any phone.

The switch from Lightning to USB-C is not as advantageous as the switch from the old 30-pin connector to Lightning was. To users already invested in the Apple/Lightning ecosystem, a switch to USB-C would not bring much benefit.
Interesting this post is about making money, but doesn’t mention home owners net worth is around 40x renters net worth

https://www.keepingcurrentmatters.com/2020/10/07/a-homeowner...
This is strawmanning.

No one who advocates for life believes that there aren't any mitigating circumstances.

People who advocate for life believe that there aren't any mitigating circumstances that justify murder.
I can’t think about this movie without revisiting that existential dread and hopelessness that I felt halfway through. As someone that was in government contracting at the time, it was quickly followed by a strong contender for my favorite line from any movie ever.
> As a safe driver, you shouldn't have to accept risk calibrated to "average" (i.e. drunk, reckless) driver.

But you already do. Every day you're near a road, there is chance the next vehicle around the bend is drunk or reckless or using their phone.

It doesn't even matter if you are in a vehicle or not - even as a pedestrian you already deal with them every day.

It sucks, but it's reality.
Yeah exactly metallurgy is really hard. There's not really a software equivalence except maybe some magic algorithm could possibly fit but it's a stretch.

As a seemingly simple example it was only a few years ago that china got good enough at metals to make good pen tips: https://www.washingtonpost.com/news/worldviews/wp/2017/01/18...

Edit: metallurgy
One is a virus that’s ostensibly handled fine by practically any healthy immune system, whereas the vaccine is a novel gene therapy.

It seems to be fine and without any noticeable side-effects, but the “how dare you even slightly doubt it, you monster” tone is frankly absurd and authoritarian.
According to this [0] recent (Dec 8) meta-analysis, infection fatality rate at 20 years is around 0.01%, with prediction interval about 0.003% to 0.03%. See Fig. 3 (note logarithmic scaling).

That is only fatality rate.

I don't see a good way to aggregate vaccination harm, especially with qualifiers such as "bad" and given the priors we have about the particular vaccines in question. However, let's take the narcolepsy issue that has been mentioned multiple times in this thread. According to [1]:

> During the first year after vaccination, the relative risk of narcolepsy was increased 5 to 14-fold in children and adolescents and 2 to 7-fold in adults. The vaccine attributable risk in children and adolescents was around 1 per 18,400 vaccine doses.

That puts the rate at 0.005% for a prominent "bad" vaccine. I will note that this disease is not exactly comparable to death.

Considering that ~70% of e.g. the US population are older than 20 (with COVID-19 infection fatality rate increasing exponentially with age, e.g. 1% at age 60) and that you are expected to pass it to about one person, you may want to include the assessment of risks not only to yourself but to everyone around you in your considerations.

[0]: https://link.springer.com/article/10.1007/s10654-020-00698-1

[1]: https://pubmed.ncbi.nlm.nih.gov/28847694/
It has become the same with game reviews on Steam as well. I think most people just aren't very discerning or critical with their reviews. Those with negative reviews however have at least one complaint about the product and determining those as a combination matter to you is a big part of finding the right product.

It marks the death of high quality reviews however because professional reviews can be done in context weighing things up better, where as most customers just don't have the experience with alternatives to say if its a good example or not.
I find that offensive, some years he worked at it like a job.
Before USB-C I would have agreed about giving them the benefit of doubt the doubt. But as a sibling comment pointed out, they have an iPad model that is USB-C, my hope is that means the entire line of products will switch over.

I’m actually guessing that they have a long tail of hardware designs that all need to be changed, and that process takes a while. Even their new headphones are lightning based, though they were under development for 4 years... that’s as far as I’ll give them.
Well that’s a silly vision. I have a vision of immortality too. This is a textbook example perfect being the enemy of good. I don’t want to hold any system to the standard of zero fatalities, and further I think this is why “shoot for the moon and even if you miss you’ll land amongst the stars” is faulty. People waste an exorbitant amount of time and fossil fuels commuting in passenger vehicles. Anything that significantly changes that balance should be considered. Progress is progress and letting everybody use the time they used to spend commuting is certainly progress.
Check out Grouparoo [1] for your syncing. We are working on Intercom now.

[1] https://www.grouparoo.com
The million dollar question is, how do we know which brands are the good ones?

Is there a community which tackles this sort of problem alone? The best I have found so far is to find the community surrounding a type of product, especially on Reddit - there is a community around almost every interest imaginable - and figure out which brands they recommend, via search or just asking.

Often they even have advice in a stickied thread or wiki article.
Just curious, do you lease upper scale housing or more of like "slums" for the area type house?
Moreover, if you use leverage to make an investment in stock (say) and the stock market temporarily goes down enough, you can get hit by a margin call and go broke. With a house, when the housing market goes down, it is an inconvenience (e.g., it can be harder to get a home equity line of credit or refinance your mortgage), but there's NO automatic "margin call" as long as you can pay your monthly payments. For people with limited capital, a leveraged investment without any possibility of a margin call is very valuable. I'm glad I put my money into buying a house.
> Hint: house prices don’t really go down much, because everyone is leveraged and literally can’t afford to sell below a certain point.

Until something like a 2008 happens, and it doesn't matter how much people can afford to sell a house for, they're gonna lose it regardless if they can't make those ballooning payments.
Competitive: not at all currently.

Safety: as safe as safety culture allows, which in terms of Chinese aviation and national prestige projects is extremely. High chance of disaster if exported in current state. Much heavier maintenance burden that penny pinching carriers from developing countries would skimp on. West would probably not adopt these planes ever.
Chances of you getting Covid are very hard to estimate because there are so many factors (where you live, your personal health history, your behaviour, your workplace...), but contingent on getting it, you can estimate IFR (fatality rate for all infections, approximate, as it tries to account for conversion rate to known cases) or CFR (fatality for known detected cases) from many sources. Here is one [1].

Probability of chronically illness - I do not think anyone has enough data yet.

[1] https://www.publichealthontario.ca/-/media/documents/ncov/ep...
I dunno how rational this is, but I've always felt that when I pay my mortgage, I get equity in return, whereas when I pay rent, that money disappears into a hole, gone forever. Further, all the carrying costs of owning (mortgage, taxes, utilities, maintenance, etc), come out to less than renting something similar.

Maybe my down payment would have done better if I had bought an index fund, but now I have all this equity on top, too, whereas the return on all my rent paid is zero.

Yet people smarter than me when it comes to finance publish articles like this one. So what am I missing?
In Johnson's press conference just now they said the number of vaccinations was entirely limited by the available supply, not the ability to administer it, nor the distribution of it. They were explicit about this.
It's hard to ignore that there are very few prizes/awards/incentives for those who enjoy understanding what others have thought up in comparison (though I think it is it's own reward as you say, and that those who do deep thinking enjoy understanding the products of others' deep thinking and are better deep thinkers for it.)
Will climate change make animals darker–or lighter? – Science – AAAS
I agree it's frustrating, but there is a way to do what you want.

After you've selected the color/model, go to the reviews section, and click to see all reviews, which brings you to a new page. There, you can filter to select reviews that are only for the single color/model.

It's annoying, and it's even dumber that the filter dropdown only lets you toggle between all reviews and reviews for the single color/model (when I'd like to compare reviews easily for different colors/models), but at least it is there if you hunt for it.
20% down payments aren’t really necessary anymore. plenty of lenders will let you pay 10% with no PMI or less.
Mortgages are so f* insane when you do the basic maths, such as 1/downpayment to get the leverage. If you just presented the numbers differently nobody would have ever signed up for one except people like Victor Niederhoffer.

And on top of that most of the underwriting is on central government balance sheet via frankenstein constructs like fnma.

Sheesh..
I was surprised to see the author completely skip over the tax implications of buying a house and most of the comments here as well.

This is right on the money. The tax advantages of property investment are _significant_.
>compared to many countries in Asia and South America.

I said that mask use was practically identical to Europe, not Asia or South America.
> Yeah exactly metrology is really hard.

I'm a little confused. Do you mean metallurgy?
Right now it doesn't seem to have a competitor. I think the market is now primed for an ethical competitor to come along and steal its business however, a lot of people are getting irritated with Amazon and would happily chose an alternative.
"just this weekend I was able to pay an extra $3 to get same-day delivery on a $9 item"

Spending a third of the price of something cheap to get it NOW is peak Veruca Salt.
That depends on jurisdiction. It's not generally true. In my state, which is huge and populous, if the bank isn't made whole by auctioning off the property, that's their problem and they can fuck right off.
Thanks for that! Super helpful. <3
Nobody actually uses Stadia, though?
A GLA45 AMG - it was actually just as much money as the XC60, and in the 4 years I had it I would visit the workshop probably 6-8 times per year, for minor and larger issues. Sooo many elements had to be replaced/adjusted due to rattling, creaking, falling off, had to have the entire gearbox replaced after a year. Would not recommend, not for this amount of money anyway. Btw, it had nothing to do with relability - apart from the gearbox issue, it was very reliable, just extremely poorly put together.

I've had this XC60 since brand new for a year now and literally had zero issues with it. Nothing.
There was a general claim from the late 80s to 90s that the invisible hand of the market would eventually move Americans to higher paying fields while allowing low wage international competition in manufacturing.

As of 2020 the US has not seen these new jobs materialize outside the upper 5% of wage earners in the economy. The trend also shows that the US is losing the capability to manufacture high-end products such as iphones, planes ( 737-max), and trains. The manufacturing jobs which are returning tend to be making the same things that were made 3 decades ago with both inferior wages and quality to what those workers did previously (see American Factory).

While lifting billions of people out of poverty in China and the developed world is a laudable achievement, and the realization of competitive international products was nigh inevitable - the elimination of domestic manufacturing in the US was largely the result of policy choices which enabled businesses to move out of US environmental and labor regulations while still selling into the US market.