skysight-inc/HackerNews huggingface dataset:
In the UK less than 50% of mortgages are fixed for terms of longer than 5 years.

...and less than 1% of recent mortgage completions are with 5% deposits (the minimum here)[0]

There is one big reason deposit size matters: affordability and risk. PMI doesn't exist in the UK, it's built in to the rate. When you're stretching what you're borrowing to the maximum (thanks to these high price/income multiples) every 1% on a mortgage can be the difference between relative comfort, and being 'House Poor' and living with constant anxiety about rates rising before you can refinance.

At the moment with 10% down:

- 25 year fix: 4.64%

- 5 year fix: 2.50%

- 2 year fix: 2.10%

With 20% down:

- 25 year fix: 3.80%

- 5 year fix: 1.70%

- 2 year fix: 1.40%

The other thing, that some other commenters have mentioned is that most lenders won't lend at high LTVs on high value properties, or on certain property types, like flats (minimum deposits of 20% on flats are common, which is particularly problematic given that they tend to be the most affordable properties).

[0] https://www.financialreporter.co.uk/mortgages/95-ltv-mortgag...
Oh man, dreaming in ads. People will be able to make money in their sleep by dreaming ads all night.
That's why the CSAM scanner is on your device. It computes the hashes in place on then unencrypted images before uploading encrypted copies to iCloud.

That's why from some perspectives it is a net privacy win versus Google/Microsoft's similar tools that require them to have decryption backdoor keys on their clouds to process these CSAM requests and other FBI/TLA/et al warrants. Apple is saying they don't have backdoor keys at all on iCloud and if they are forced to do CSAM scanning it has to be on device, without leaving the device to have access to the unencrypted images. Only if you hit the reporting threshold (supposedly 30+ hash violations) would it also encrypt copies to a reporting database on iCloud (and again only if you were uploading those photos to iCloud in the first place).
There’s often good intel on here that I have not been exposed to on other sources. Obviously spending 40 hours a week reading HN and getting into politics arguments on here is a waste, but there’s plenty of relevant news for most folks in tech if you stick to those topics.
Yeah "main", which contains 5 lines. So you gotta find where the real action is and down the rabbit hole you go.
Palm could soon be your ticket into concerts thanks to Amazon One tech
probably you can be confident with a copy of wireshark
From your link:

400-500 kilotons of TNT

I don’t know about you but I’d consider a Hiroshima-scale explosion pretty deadly. We just got lucky it didn’t hit the middle of a major population centre at a more direct angle. That could have been catastrophic.
Not used it myself but think Stingle mentioned on HN in August. https://arstechnica.com/gadgets/2021/08/foss-mobile-app-stin...
That is not doable, given the threat discussed in the mentioned paper, since the manner of data entry and the manner of "easily checking" can be compromised.

If you are hand typing an assembler in order to bootstrap a more complicated assembler, which creates a compiler or interpreter to check a single hash value, you are engaging in the wrong mitigation. You should instead use an airgapped computer with different software.
If the manager isn't technical or won't understand, that's a red flag for the org/company.
Tesla spent a lot of good faith to learn that contracts are, in fact, legally binding.
Sentry.io settled on Clickhouse for error and transaction data after reviewing several options including Citus and Elastic. We've been happy with both the performance and how well it scales from Open Source installs to our SaaS clusters.
I only ever have trouble with Windows Update on machines that go months or years without updates. The last two major feature updates installed in minutes like an every day bug fix or security patch.
If you define CICO as losing calorie some way or another, it really just means “weight reduction”. Telling someone 「“weight reduction” matters for dieting」 doesn’t feel very meaningful to me.
Whatever the case, what you end up with is an asset whose actual value is tied to the interest rate (interest goes down, people can afford larger loans with the same repayments, therefore houses are worth more). This is a highly leveraged situation: if you take out a $1m loan and then interest rates go up, you're still liable for the whole $1m even though your actual asset might only be worth $900k now. I think this is one of the big dangers of having an essential need like housing cost such a large multiple of income.
I don’t think that works because the N-1 dimension is contained in the N dimension. But all those things described are disjoint. Now you might be able to say, “the mass of all objects in the universe” but is it a dimension? I dunno I’ll leave that to the topologists!

Edit: I think you have to have the similar type of units to increase the dimensions. Like the article talks about N dimensional space (e.g. point, line, plane, etc). To consider what mass of an object would be you’d have 1 dimensional mass; 2D mass; …; ND mass whatever that would be.
> Not at all. Almost every commercial transaction at the retail level allows you to use a method of payment that does not guarantee that the seller will actually receive that money (credit cards).

Your ability to get a line of credit hinges upon an invasive scoring system that tallies your creditworthiness by a multi-billion dollar opaque bureaucracy.

When you go to buy something at the retail level, you're watched by dozens of cameras that record you from the second you drive into the parking lot. When you go to use those credit cards, cameras from every angle imaginable are in your face, and sometimes literally right in front of your face, so there is no ambiguity about who is making purchases and what payment methods they're using. One purpose these cameras serve is to collect evidence in case a customer should open a dispute with their creditor or do a charge back, and another is to collect evidence for criminal charges and prosecution. Retailers will share the video and other data they collect on "problem customers" with other retailers to use as they please. Also, if you use cash and pay with bills above $20, they'll either be denied or checked for forgery.

I've also shopped at retailers where I didn't fit the image of their ideal customers, and have been followed around by employees and owners. You don't feel much trust in that type of situation.
LibreOffice supports Ctrl+Shift+V.
Warzone Tours
Just a mess. Click on start… type updates … searching… wait … wait … oh updates in control panel

Such a simple search but somehow microsoft manages to make it such , first it searches the web (why? we have browsers for this ) sends a copy to micsoft… then finally pops up with what you want.

I know this is not the same as the run dialogue but just reminds of how borked some of microsoft products have become.
> the barbecue is amazing (except in the Carolinas)

how dare you
Honestly I think this solves a problem most people don't have. Carrying pills is not that annoying.

But if therapies requiring prolonged clinic / hospital visits like chemotherapies or IV infusions could be given out using this technology that might be life changing.
TLDR: "Amazon says it is bringing its palm-recognition technology to the Red Rocks Amphitheatre in Denver and it will be available at other venues in the coming months. It’s the first time the technology, called Amazon One, will be used outside some of Amazon’s stores, where shoppers can pay for groceries and snacks by swiping their palms.

Starting Tuesday, concertgoers at Red Rocks can sign up to connect their palm to a ticketing account by hovering their hand over a device. They only need to sign up once and then can use their palm to get into other shows and events at the venue. An Amazon account is not needed to use it."

Red Rocks is like a second home to me (in Colorado). Not sure I like the sounds of this.
If you assume that the number above is correct, and there were only 15k forfeitures in 2010, then assuming $3k median forfeiture (actually more than your number), the cases where forfeited money are insufficient to hire a $3k lawyer only amass to $23M of $2.5B total forfeited in 2010. They are also only 1/40 of the amount stolen in burglaries in the same year. And that estimate still assumes all those under $3k forfeitures were baseless.
I'm not sure if this is a common thing, but working out has a satiating effect on me. I simply have less hunger when I exercise. The only exception is when I swim. That does increase hunger.

I wish I understood the reason.
i hate who downvoted your comment. The author forgot about privacy.
2.1% if you but ~$5k in points right now.
I think what you’re looking for is a “shanty town”. Plenty in third world countries especially by dumping sites. Enjoy your life.
Which gets you back to the problem OP has - trusting that device enough to make it a secure root of trust. Windows lets you do it, so do Android and iOS. But your admin, maybe not (or you're not on windows, which is more likely I guess).
You can do it once in your life on a single machine. From there you compile the software for other machines. It is like a tree whose fruits you trust because you planted it yourself (actually it is more like if you wrote the seed yourself) and use it to plant other trees.

Only remaining vulnerability is the hardware, but as I like to say: security is not binary.
I had that mixed up with ntlite in my head (which will do windows 10).

I used this to make a custom Win 10 install for my first gen threadripper desktop. There were major teething issues since I bought it on launch day. Specifically, the Intel wifi driver that was bundled in the windows installer at that point would blue-screen on threadripper the moment it loaded. Intel had an updated driver available, but the bad driver was literally in the windows installer. I couldn't actually get to first boot. Used ntlite to make a custom windows installer where the only change was the updated intel wifi driver.
From the sounds of it, it does seem like they might be using the same dataset. :)
OpenSSL sells support contracts ranging from $15,000 to $50,000. [1]

[1] https://www.openssl.org/support/contracts.html
Avalanche (AVAX) has 0 comments on Hacker News
I don’t know generally that zoning laws are the problem in Berlin but famously voters fought against adding housing units at the old airport vs the communal parks that were there:

https://www.google.com/amp/s/amp.theguardian.com/cities/2015...

It certainly seems like voters are prioritizing things besides affordable housing and getting what they want (expensive rent and nice parks).
> Until we start designing physical devices to make it for the long haul, this problem just wont go away.

The problem often times isn't the hardware, it's the software that gets ever more bloated.

Was a 486 capable of surfing the internet, playing games, talking to people, writing code, etc? Certainly!

Was a Pentium 3 capable of surfing the internet, playing games, talking to people, writing code, etc? Certainly!

Are either of those capable of doing it on the modern world? No - and it's not because they're slower than what they were, it's because the complexity of software and data has grown massively.

Consider that the current CNN homepage is about 27MB of assets - half of a Win95 install.

You want to stop obsoleting stuff, buy every web developer and every Google employee a Raspberry Pi 4 with NVMe storage, and make them use it.
General AI existential crisis.. how can I trust my sense of trust?
Not necessarily. Unless you live somewhere with a thriving wild bird population – like Canberra – you wouldn't understand the impact that these things might have on birds.

I live on the outskirts of the centre of Canberra (which, as a reminder, is the capital of Australia). The trees are teeming with birds this time of year. We have a family of Australian magpies raising their young in the tree directly opposite us. It's magnificent to watch. They'll often come and say hello and we're hoping they'll introduce the young to us one day.

Regular drone traffic would be an enormous disruption. Magpies swoop anything they see to be a threat. I already see how much effort it is to forage and feed 3 young. Spending extra time trying to ward off a drone because someone can't be arsed going for a walk and getting a coffee (or whatever) ... ridiculous.

I haven't seen a drone here but if they start to become a thing I'll join whatever movement is advocating for their banning.
I believe that is correct, except that in that case simulation is just a synonym for reality, at which point it becomes a semantic difference.

Hindus talk about Maya, and how reality is an illusion, so in some sense this isn't new in religion. It is also why Simulation Hypothesis (as I should have referred to it) has been criticized as a techno-religion, along with a super AI being and all that.
> Governments have the ability to isolate, mitigate and mobilize a response.

Only so much, and New Zealand is clearly an outlier.

Has their response to this been an A+? Without a doubt.

But I'd need some hard evidence this stance works across the globe. Everywhere from India to Brazil is going through this.

Which is why these pandemics are so dangerous. If this was slightly worse, New Zealand would succumb to it too, despite best efforts.
> A more relevant metric to consider - monthly mortgage payment to monthly income ratio.

I find this attitude baffling. If you bought a car or a phone and paid in monthly installments, you would want to know for how long you'll be paying, not just the monthly amount. Why is a mortgage different?

Is it the duration, where your brain sees 20-30 years, and substitutes that with "forever"? How would you feel if, after 30 years, when you thought you finally paid off your mortgage, the bank would say "Oh actually you have to keep paying for another 30 years"?
If their end goal is to go full E2E encryption for iCloud Backup, but they have to be able to prove to the FBI first that they are doing "due diligence" to meet warrant needs then of course device-side CSAM scanning is a prelude for being able to turn on E2E for iCloud data!

The fact that the FBI stopped them once before and they've been working to build active solutions to what the FBI tells them their needs are should be evidence alone that E2E is their goal. It seems pretty credible to me.
Theoretically this is giving you cells which not only release the medication, but they also manufacture the medication inside the cell. The microchip seems to simply be a control mechanism.
With the 4th dimension, you can cheat a bit and use time itself. For instance, a 4-D sphere is something that starts at a point, grows to a sphere, then shrinks again.

It's not perfect. We can rotate in the normal 3D space but you don't get proper 4D rotation with this technique. Nor does this give you a good intuition about that shadow.

But it's something.

Gives you basically nothing when it comes to the 5th dimension, though, because I'm fresh out of spacetime at that point.
https://dxe.pubpub.org/pub/dreamadvertising/release/1 ("Advertising in Dreams Is Coming: Now What?")
the problem is not really that, since you could just move out to the sticks and do that if you really wanted to. heck, some places in the Rust Belt literally give away homes.

the problem is that in our desirable cities, where people want to live (as evidenced by high prices per sq ft) we have more or less stopped the natural progression of single family houses into low-rise buildings, low-rise into mid-rise, and mid into high-rise.
this is amazing. could we also get an exported Excel version?
> Ff had an upgrade not long ago where they made it difficult to use extensions

You're talking about the old extension API, which was more of a "do whatever the heck you want" than an actual API, at that point in time it was pure technical debt - Mozilla was on a clock to remove it, or Firefox could never hope to stay competitive. It was a major roadblock in enabling modern sandboxing / isolation, performance improvements, developer productivity, etc.

Can't you see they had no other alternative? They wouldn't lose the few die-hard users that absolutely "needed" their browser to do insane shit, because there was no other (maintained, modern) browser that could do all of that; and the sympathy of the remaining 99.999% of their user base was at stake. Whichever option Mozilla would go for, the 0.0001% would get the same thing - the browser you were OK with, eventually stops getting updates, becomes irrelevant, and dies.

> If it is slow, I never noticed.

Luckily we can rely on tooling, such as benchmarks and profilers, to gather actual empirical data, and use that to guide our decisions. Whatever may not be a noticeable difference on your system, could have an enormous impact on another. I remember switching from Chrome to FF right around Quantum, because it was finally usable on my hardware.
Because REST assumes that every action you could ever want to take is acting upon some object. So you rename /login to /users/login and pat yourself on the back. Then you realize that the silver bullet failed to get you one inch closer to your goal and you turn against it. Then you go look into GraphQL and spend weeks perfecting your schema. Then you realize you wasted your time yet again, and you go just use whatever Google uses (gRPC) like you should have in the first place.
Considering the age of openssl, using perl was a smart choice...

Everything else would have been rewritten atleast three times by now... even porting from python 2.x->3.x takes a lot of effort...

...and perl? Just works!
I used (and attributed) some of the wonderful cover art and illustrations by Lem and Mroz and others from his web site, to illustrate this article about "GPT-3 Riffs on Stanislaw Lem’s Cyberiad and SimCity, and Admits it’s an Evil Machine":

https://donhopkins.medium.com/gpt-3-riffs-on-stanislaw-lems-...

Here are some of Lem's drawings:

https://english.lem.pl/gallery/lems-drawings

And Daniel Mróz's covers and illustrations:

https://english.lem.pl/gallery/mroz-drawings

And some fantastic cover art:

https://english.lem.pl/gallery/covers

And Lem's photo album:

https://english.lem.pl/gallery/photo-album
Economic value is not an objective phenomenon. It isn't like mass or energy or charge or fluid flow. It follows no conservation laws.

It's a subjective, often ephemeral phenomenon that emerges from the interactions of buyers and sellers. When I say "x has value y" all I'm saying is that in current market conditions, some human would be willing to sell x at price y and another human would be willing to buy x at price y.

So your statement that bitcoin mining is bad because it "costs value" and doesn't "produce value" is not really meaningful. And even if it were, the simple fact is that bitcoin mining is often profitable, depending on the cost of watts and ASICs.
The first novel I read of him was "The Invincible", recommended here. It was great, but it didn't prepare me at all for the second book someone recommended me, "The Futurological Congress". It's like two different styles.
It's all about culture.
I should have said TPM manufacturers, but it’s the same basic idea. Here’s Infineon’s key: https://www.infineon.com/cms/en/product/promopages/optiga_tp... I guess new manufacturers have to beg people to recognize their root key as legitimate.
China Evergrande Is a Big Problem for the Market. This Chart Shows Just How Big
I was happy when I switched to gigabit internet from Verizon because MoCA can't handle that speed, so they made an ethernet run from the ONT to my apartment (well sort of, they couldn't actually make a new run, but they were able to use the wiring that had been used for the telephone lines). Ever since then I've had my own OPNSense box handling routing. The Verizon router is stuffed away in a closet. I don't know if the Verizon router has backdoor remote control capabilities, and now I don't have to care at all if does.
What's happening is this:

- China's recent economic growth was half due to real estate, a substantial part which was speculation

- the "real estate developers" usually just take the deposits and sometimes build a property, but often not (a ponzi scheme)

- it only takes a small amount of embezzlement, which is rife, for the house of cards to come down. Where's the money? In US and Canada Wsst Coast real estate, of course.

- this exposes the ponzi practice for most such companies

- which means China's real economic growth is somewhere between half to 2/3 of what has been reported for 2 decades

- this threatens investment in China as the story is adjusted down.

- in addition, China has stopped capital outflows since 2016, so foreign investment is one-way. (if you're Volkswagen and you invested in building a factory in China, you got played.)
I like this idea, but hate the idea of needing a third party app. Something like this would have to be open for me to use it. I dislike the idea of a third party writing the code that controls something embedded in my body.

Not even for the typical reasons of 'ads and privacy'. What happens if the business fails? Someone pushes bad code? The organization is sold? Something we can't anticipate now? I'd need the certainty that I can take full control over it if needed.
On the other hand, I've noticed some channels on Youtube have been talking about the Evergrande collapse for multiple weeks.
Yeah and technically the Quran has a lot of repetition too so it compresses well. It’s so easy to memorize that 13 year old kids routinely do it.

Don’t think it’s possible? There are 114 suras. The longest one is like the screenplay of Star Wars, something many of know by heart even if we can’t recite it. The smallest bunch of suras resemble song lyrics. Most people have memorized considerably more than 114 songs. Replaying them just requires the right stimulus.
Agreed. For example: https://cve.mitre.org/cgi-bin/cvekey.cgi?keyword=lastpass or https://cve.mitre.org/cgi-bin/cvekey.cgi?keyword=1password.

I do let chrome remember my passwords (and sync them), as that has high utility (and I'm already significantly trusting that google have their shit together when it comes to security.)

But that said I have two categories of passwords; sites that are relatively trivial (e.g. spotify, hackernews), and sites that are tied to my identity or finances (e.g. email, banking). There really aren't that many in the latter category, and it's manageable (with a bit of practice) to use a memory palace type technique to associate sites with a strong visual that turns into a phrase. For the former category, I have a fairly junky heuristic that gives each site a unique non-dictionary based password that's usually 15+ characters. If my chrome profile ever disappears (or isn't obtainable), I could recreate passwords that way.
AFAIK, the bootstrapable project specifically addresses the reflections on trusting trust problem.
Based on the part of his story about leaving his parents in NY I don’t think he’s Canadian or is dual national.
Time to contact your state legislators and ask for state specific privacy laws ban tracking even with consent.
Interest rates are extremely relevant when institutional investors are such large players in the real estate market.

Also, the original submission noted that median homes cost 7x median income right now. That does not equate to 10 years of savings from responsible people.

Also, 5:1 leverage is extremely generous, and in a free market they would never happen because it’s insanely risky to the lender. That’s ignoring the fact that 20:1 is pretty common these days anyway. The only reason you can get such a generous loan is because the US government is responsible for it, and they’re the most inept financial institution on Earth.
Awesome, thanks for sharing. Bookmarked.