skysight-inc/HackerNews huggingface dataset:
I have -0.28% on a mortgage which will be refinanced every 5 year. The lenders actually pay me to store their capital. Weird times.

In actuality, though, I also pay a 0.5% "contribution" fee which covers mortgage company administration and collective risk. So the effective rate is around 0.22%.

For the 20y bonds the 0% interest is also just the actual bond rate. The administration fee will have to be added.

The "contribution" fee rate depends on how much of the home value has been mortgaged. Below 60% it is typically around 0.5% because of the relatively low risk (you can probably always auction off the house at get at least 60% even in bad times). When mortgaged from 60 to 80% of the home value the fee is higher.
In that case, “mutes yourself” would be more appropriate.
I thought this sounded familiar

https://news.ycombinator.com/item?id=25622389

https://news.ycombinator.com/item?id=25555457

https://news.ycombinator.com/item?id=25531118
> Probably doesn't need to be said, but just in case PE is how Windows formats .exe, .dll, .sys, etc executable files.

It's basically the counterpart of ELF (Executable and Linkable Format) files, but on Windows.
No, I was talking about Android, not Chrome OS.

And I was talking about the obscurity level of accessing the developer mode, because you said was hard to achieve a good balance between "too difficult" and "too easy to be tricked into".
I think you need to look at it from monthly -> house price and not the other way around. If your budget / purchasing power is $1000 /m then your house budget is roughly as follows:

$190,000 @ 5% interest
$210,000 @ 4% interest
$235,000 @ 3% interest
$275,000 @ 2% interest
$310,000 @ 1% interest

[Note - not exact numbers; 30yr mortgage; mortgage calculator.org via guessing numbers until the monthly was close enough to $1k]
Totally. I'm looking for someone to see if they agree in different ways and disagree with in the right ways.

How does one create new meaningful intimate relationship in >>PANDEMIC<<
> Even if all of those side effects were fatal (and they wouldn't be), that would still be only 3,300 deaths--less than 1 percent of the US COVID death count currently reported.

No, because even if you assume no black swan (ex: zombie outbreak due to bad QC control of a new and untested mRNA technology) you are trading less old people death for more young people death.

Why should I increase my low risk of death even by 5% to save an old person that has maybe 1 year left to live anyway?
Agreed but that is not focused on interview prep. These days to clear tech interviews you have to "study to the test". So if you want to do real system design yeah study DDIA but if you want to clear a system design interview study books like the one in TFA.
There are ways around it - worst case find a bank in some foreign jurisdiction who is willing to play ball.
For elementary school students sure, but not for high school students.

If you're 13 you're entirely capable of waiting at home for the school bus after your parents have already left for work, no?
You'd say that Scihub has crossed the line from civil disobedience into outright insurrection.

That said, librarians were trying to work within the system, including raising public consciousness, unsubscribing whole journal packages that included high-profile journals, and nothing happened until Scihub came along. It's the best argument against Kriton that I've seen.
> no OTA software updates

Feature. It's a car and software should be finished when it leaves the factory. Any other excuse is nonsense.

> no lane keeping (“autopilot”) on older versions.

That's your job and its called driving. If you cant handle that simple task then you should not be driving.
Well as Devil’s advocate, look at how people in Japan reacted after Fukushima. The world was awed by how awesome their “community spirit” was - nobody denied they exhibited far more social cohesion, sacrifice and civic responsibility than would ever be on display in the US.

That’s a cultural difference on display. Culture is not determined by race, so let’s not conflate the two. Culture is something you are immersed in and it does influence behavior.

There are also massive downsides to extreme cultural cohesion, looking at it another way.

But let’s not deny that social culture has a bearing on individual and group behavior. It has a massive impact. Conflating that observation with race or _racism_ seems a particularly unhelpful neuroticism of the US.
> One of the best tax deductions we get is the one on mortgage interest.

Not anymore. The rise in the standard deduction combined with caps on SALT deductions has drastically curbed the value of mortgage tax deductions. As a result, the number of people in the bottom 90% of income who itemize their taxes has fallen precipitously.

https://taxfoundation.org/standard-deduction-itemized-deduct...

This is a good thing, because SALT and mortgage interest deductions were horrible, regressive policies.
While superficially a good idea, it would probably punish shareholders more than the actual perpetrators and would most likely lead to a far lower performing company, so a weaker economy. How many state run companies do you know are performing great?

Tesla may do any number of shady or illegal things but without Musk and his vested interest in the company it would probably be a footnote in some corporate obituary.
> What if all 330 million people in the US had been vaccinated against COVID, and 1 in 100,000 of them (about the same proportion as for the 1976 vaccine) had serious side effects?

What your comment and the article both miss are the second order costs to safety failures: it's not only the immediate side effects that are a problem, but rather the change in behavior coming from the rest of the population.

If you think that 330 million people would have gotten a vaccine that had not gone through any safety trial, even though a large portion of the population is still unsure after the phase 3 trials, I think you're deluding yourself. If, on top of that, you had widely reported and exaggerated ("free speech" at work) reports of side effects, the percentage of willing volunteers falls dramatically. Vaccinating 5% of the population in January doesn't really help.
That's fair, and obviously there is zero way you're going to get face time with an engineer that costs them $200k+/yr, and instead it's going to be someone they've hired at a tiny fraction of that.

But that's true of nearly all consumer level support in all industries. Businesses pay big dollars for consultants and service level agreements for access to the higher level folks.
Thank you to you and the others responding for the clarification. I guess I just took my California experience and incorrectly assumed it was similar in the rest of the US.
For folks like me who _had_ to hear this in action:

https://youtu.be/Y7dKyGoqn9w?t=30
Have you considered waking up an hour earlier? Unlike the reverse (where you have the start of the workday as a deadline), there's likely nothing to stop you from shifting your day to start and end an hour sooner!
Well it depends what you mean by “involved” but there are plenty of “new space” companies hiring software engineers - from real time Linux to web dev
>We don’t have agreement on time because everyone has their pet argument for why this or that time standard has some marginal benefit for a given slice of the population. Meanwhile, we can all agree on that those marginal benefits pale in comparison to the measured harms of changing clocks twice a year.

I'm confused. You contradict yourself from one sentence to the next.

Can we not agree, or are we all in agreement?

I say it's the former, not the latter.
Maybe I’m just coming from a place of ignorance (I haven’t used Windows for years), but why? The Win10 UI looks to me probably the most attractive and usable it’s ever been. Enough so that I’d probably feel comfortable switching to it if I decided the Mac isn’t for me anymore.

Not that I don’t trust MS’s recent design direction, but I have to wonder if such a major overhaul is warranted.
Downvoted but correct. This is a symptom of central bank and fiat absurdity. Trust is being broken and people are looking to a new form of trust.
A Guide to Meaning
Do you have some data on how many people have light induced insomnia?
This is not how they conduct gain of function research. It's uses serial passage (using biological hosts and the virus's own variations). This produces vary little evidence of manipulation.
At the same time, that other 10% might be completely invaluable. Which makes this entire situation such a mess :/
Slight off topic - How do you all get your representatives to support or not support specific bills in the house and senate? Is e-mailing and calling them enough?
There's also huge amounts of UK Govt infrastructure code available online and open source. For all kinds of things, from all departments.

You could pretty much spin up the code needed to run the boring bits of a country out of open-source code. How about the application for booking secure prisoner moves? [0] Or some nice open source security guidance? [1]

And that's just one department, most others are similar!

[0] https://github.com/ministryofjustice
[1] https://github.com/ministryofjustice/security-guidance
PMI is usually low-ish. Sometimes as low as 0.25% but up to 2% generally. Largely depends on credit, lender, financial situation. It also goes away once that final 10% is paid off (when the load is 80% principal). It also isn't held against you in the sense that, it impacts your ability to get the loan. It just means you pay more out of pocket per month.

It's definitely not ideal but it's not an overall huge drag.
> Extending the portion of the year that parents can let younger kids recreate outdoors in daylight has far more societal benefit.

Are you sure? Have you done the research? They had this discussion in Iceland recently and I think they found this point inconclusive. I think health officials still favored moving out of permanent DST into permanent standard because they know the health benefits of good sleeping, and they know that many children are sleep deprived.
There's not a significant difference between 0°C and 1°C either, but drastic changes occur at one and not the other.
Slightly different group of people working on GCHqQ's recruiting tools and gov.uk, I would imagine.
It’s colourful language, I’d advice reading it as such
Yesterday my wife and kid were trying to go for a walk in the neighborhood before the light ended and the sun set. My work expects me to be callable until 5. I sent them out without me at 4, the sun sets here around 4:30. I never left the house. I would pay actual money to get that hour back and be on DST year round.

I would be interested to see if the split of opinion on this has to do with early risers/night owl orientation primarily, for me more light earlier has almost no value, but light at the end of the work day is worth a lot.
I think there was a fairly solid analysis of the Belgian situation. Brussels has people coming from all over Europe and a few universities from which the students brought it home at the weekend.

With regards to SE Asia I imagine the fact that they’ve been through this two or three times before is a big factor.

Why we did soooo poorly in western countries across all the different strategies is something I’m looking forward to dissecting ...
You can see the 2020 sales figures for Norway using the "Top Models" view in the "classic" version of that site:

https://eu-evs.com/CLASSIC/index.html

Volkswagen had the first and third best selling cars in Norway in 2020, the Audi e-tron and the VW ID.3.

The ID.3 didn't get a full year of sales because it has only been available since September.
It seems to me that you need your own website, plus an ISP that won't cut you off.

You can still be censored from Google, and possibly even from DNS. The way around that is to have a bunch of little people on your side, and the Streisand Effect working for you.
Matt is the best... He could easily leave Bloomberg and make 7-8 figures a year on substack (or more likely a Ben Thompson like platform).

Also Matt if you're reading this we want a podcast and a book.
What about the people who suffer from SAD in the winter when it gets dark at 4:30 PM and they have to commute home from work in the darkness?

You can't please everyone.
Oh wow! Thank you so much for the tip! I've never used Matrix, but I'll look into that! Not having to depend on the Whatsapp client sounds like a dream.
It's a kind of retirement investment fund. Contributions to it aren't taxed until you retire, and employers will often match employee contributions to it up to a limit.
>Just because the Federal Gov of the US does this does not mean that the states have to as well.

States can choose to stay on Standard, or go back and forth, but currently they can't choose to stay on DST. I think WA, OR, and CA have all passed legislation that would move them over once the feds allow it.
I wish he related it to the product(s) in question, how it changed from before to after, and maybe say if there's 'good' being done with the new, more morally-neutral, product.

Reading their documentation of both projects, it's not clear how they relate to each other. It went from an app that doesn't seem like it'd need a multi-player infrastructure (some kind of CBT self-help app) to a library for multiplayer apps? It seems less like a pivot and more like a full startover.
I don't understand your comment as the countries you list are not under sanctions like the ones described.

"doing this to entity X stop that from entity X"
"no, look, here is another entity Y where didn't do this, and it still does that"

If anything your comment implies we should sanction all of these countries too.
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Windows 10 has a lot of problems. There are two different control panels!
That's a good point. Treating every chunk of text as a block does feel like overkill when writing long-form.
Not at all. I’m simply pointing out that the market for new Tesla vehicles is enormous versus that for cheap used EVs of other brands.
At one point, I couldn't skip coffee for a day without getting a full on migraine by mid-afternoon. That alone was worth massively cutting back. I wasn't even drinking that much coffee at the time. Usually a double shot cappuccino in the morning and possibly a cup or two of regular coffee in the early afternoon.

These days I drink a single ~300ml cup of coffee each workday morning, brewed with a 3:1 blend of decaf and regular coffee. I went an entire week over the Christmas holiday without any caffeine and all and had no ill effects.
I know a few people who put tape over their camera so I can see some market for this. One friend in particular had an ex install some sort of remote access software on her laptop which he used to access her webcam.

Personally I like to think I'm careful about who has access to my hardware and I trust the webcam light. Theoretically someone might be able to hack the firmware but if I was being directly targeted by a sufficiently capable and motivated actor my webcam would not be my biggest concern.
Yes. It will take roughly 4000 years to have an hour drift absent leap seconds.

In 4000 years we can adjust all the timezone definitions by 1 hour, if we even still care about how close noon is to solar noon. The once per 4000 year adjustment could be planned tens or hundreds of years in advance (just less than 1000 years in advance, for accuracy reasons). Timezone differences/changes are already handled pretty well by existing systems too, so it isn't the case that extensive new plumbing would be required for this.

In exchange we save tens (to hundreds) of millions of dollars a year that are spent on preparing for, managing, and suffering from leap second disruption, building systems that are tolerant of 'time' being discontinuous or even non-monotone. We avoid de-synchronizations from systems which handle leap seconds differently. We also gain the ability for independent atomic time to keep subsecond accurate civil times without some costly to obtain (and often dubiously secure) date feed of unpredictable leap seconds -- something that will likely become more relevant as solid state optical atomic clocks become something commercially producible.

At the moment we appear to be moving in the direction of a negative leap second. If one occurs the disruption will likely be substantially greater than the typical leap second disruption (which is still significant-- and growing the longer we go without a leap second). I hope we abolish the leap second before a negative leap second is issued, but if we do not I hope that it will at least be the last leap second.
Mechanical keyboards are like fidget spinners in a way, they satisfy a craving for tactile/auditory feedback that some of us need. I was never bit by fidget spinners but I do have some keyboard habits like the one you described above.
> 'what are they doing investing when they're a software engineering company'

Did it ever occur to you they may be accumulating a token that is required to operate on the most secure network devised by Man? And are you so immersed in your own narrative (echo chamber) that the potential value of building systems with this infrastructure at it's core never entered your mind? (Someone on a tech related community tried to relate it to Beanie Babies should say it all, FFS.)

Especially with the endless amounts of leaked information that is seen on a daily basis coupled with a situation where Nation-states (and Corps like Ticketmaster and likely larger ones with valuations that rival many country's GDP) are engaging in ever more Cyber warfare than conventional kinetic warfare, just for context: the International arm's trading racket is ~$100 billion/year Industry. Not to mention the ever expanding amount of Surveillance Capitalism tools that will eventually make it into the hands the blackhats and Cyber Military groups.

I highly doubt Saylor is doing that myself, he seems too short sighted on the media to think otherwise but it may be a facade; large institutional players are now coming with a bunch of inflated fiat holdings wanting to get in and are exploring so many more business models that it won't be long before this happens in my view. IBM certainly tried, failed and lost a lot of its potential because it tried to make its own blockchain while disparaging Bitcoin only to see Ripple (a token it focused on for its Hyperledger ecosystem) get sued by the SEC for selling unsecured securities and BTC sits at greater ATHs.

> Most people on HN have a negative view of crypto because of sour grapes. That's fine if you can afford the missed opportunity caused by this kind of luddism.

I get the sourgrapes, we all went through same regretful delays in buying in when we first heard of it as no one 'get's it' right away; but you make it seem like you can't just onboard right now and what irks me the most is the realization that it's the indignation of not having the astronomical gains from being early adopters that prevents you from doing so. It's fine to accept that mistake, we won't judge you (too much) as we've all been there to some degree and will be entirely if you just admit that mistake when you join in and try to do more than just make it a part of your portfolio and hopefully apply your skill set to earning BTC for your services rather than simply buying it.

That's when it all really sinks in and is the best watershed moment that I know of that makes everything click.
Ah yes, poor innocent Europe that is so distraught over the economic damage US companies did that checks notes Ireland sued the EU on behalf of Apple to prevent it from having to pay taxes.

You're right. You should frame it correctly and take ownership over the complete and utter regulatory failures of European countries to support and nurture local businesses.
Pandora's Box is difficult to close once it has been opened. Too many shortsighted people cheered with delight as the tech companies punished those with wrong think, believing that they'd be able to keep the tech monster under their control. Thing is, the danger isn't just from the tech companies forever expanding their power to suppress, it's that they can be compromised and flipped. Suddenly those who were cheering for the suppression could find themselves under the boot they previously celebrated. That tech works hand-in-hand with repressive regimes around the world in exchange for expanded market access shows how quickly they can change their values when it serves their financial interests.
Careful assuming introverts don't need socializing. There's a huge difference between just wanting left alone and being stuck home for months on end. I'm not exactly a social butterfly, but deeply miss casual hall conversations or getting coffee.
Oh, I agree that these measures are futile, counterproductive and won’t stop organized crime. That being said, you seem to underestimate the global reach and compliance of banking regulation. Check out FATCAs travel rule.

Also, the difference with a truck and a UTXO/address is that the latter can be reliably and deterministically tracked. Assign identifiers once and bob’s your uncle, if you want to surveil economic activity.
My understanding from previous threads is that Node-Red focuses on IoT where n8n/huginn focuses on the other things IFTTT does, not that either is intentionally exclusive.
If I was meeting a co-founder here I'd probably try something like video-chatting with them, every day, for a week straight. Inevitably you'd end up talking about just about everything, and hopefully getting a real feel for how each of you are as a person.
This is unbelievably petty and spiteful. The least they could do is grandfather in existing registrants and only enforce these requirements on transfer.

I don't suppose many of their EU registrants realise they'd have to forfeit their domains if they ever decided to emigrate.
Ok, my bad, I should have re-read our lesson more carefully : we're actually supposed to do sRGB => XYZ > CIELAB (and later back).

And it looks like that you can either have an Euclidean vector (linear) space (linear sRGB, XYZ), or a perceptually uniform one (CIELAB), but not both !?

(I guess that I should have figured that out myself, sigh… this is why it isn't CIELAB that is used for monitor calibration, but CIELU'V' ?
EDIT : Nope :
"[CIELUV is] a simple-to-compute transformation of the 1931 CIE XYZ color space, but which attempted perceptual uniformity. It is extensively used for applications such as computer graphics which deal with colored lights. Although additive mixtures of different colored lights will fall on a line in CIELUV's uniform chromaticity diagram (dubbed the CIE 1976 UCS), such additive mixtures will not, contrary to popular belief, fall along a line in the CIELUV color space unless the mixtures are constant in lightness. ")

So you have to pick the best color space for the job, in the case of doing color averages that would be one of the linear ones (linear sRGB, XYZ), while if you are trying to design a perceptually uniform gradient for data visualization, you would better pick a perceptually uniform space (CIELAB, CIELUV) ?