skysight-inc/HackerNews huggingface dataset:
This tweet (from the reply thread) has the answer[1]:

>[Mortgages are easy to get in the US] Only if you're employed. Most mortgage lenders here are middlemen who sell your mortgage to Fannie and Freddie, and they have pretty strict guidelines on what they'll buy.

That is, most lenders don't actually use their own judgment about what counts as high risk or what is an appropriate interest rate to charge, but are simply planning to resell to Fannie/Freddie, and thus copy-paste their standards.

This ... was a shock to me. I had always assumed "banks are happy to lend to anyone who doesn't need the money". Then I retired on crypto gains and tried to get a mortgage (mid-late 2020), where I saw the very same disconnect -- even with liquid assets more than twice enough to buy the place outright, it didn't matter. Nor did arbitrarily increasing the down payment. Anything above 50% down didn't affect the rate, and even then I'd pay above 5% interest, when conventionals were getting under 3%.

To show you how absurd it is, the FatFIRE[3] people advocate getting around this by setting up a trust that pays your own assets right back to you.[2] Apparently, if the trust would live for 3 years, and you've already taken two months of this "income", Fannie considers that just as good as a super-reliable W2 income, and will treat it as conventional. Then, you dissolve it after buying and invest the money like you would have before.

I ended up just paying cash for the place, which has its own advantages: you can beat out tenuously-financed offers with a lower bid, and you avoid some of the closing costs and mortgage expenses. It still would have been nice to lock in 30 years of 2.8% interest to apparently-clueless banks.

Final note: This guy should be able to get a loan, since, even with the income fluctuations, it's consistently high, but yeah, it wouldn't be conventional with the absurdly low 30-year-fixed rates.

[1] https://twitter.com/AzazelAyers/status/1513784320225206272

[2] https://www.reddit.com/r/fatFIRE/comments/ojs18l/obtaining_a...

[3] FIRE = financially independent and retired early

(Throwaway because of personal details.)
Another point about social media - it’s structurally easier to say things (done with a single ‘re-tweet’ click to thousands of people) but increasingly difficult to listen (you still have only one thing you can focus), and even harder to carry on a two-way conversation because of this disparity. Even if everyone is well intended, it would be difficult if everyone is talking at the same time now mix in bad-faith actors and the situation becomes dire.
There's more nuance to it than that, so let me try to clarify again. Like you said, the accelerometer shows the difference between the casing's reference frame and the internal's reference frame. The internals ideally maintain an inertial reference frame. It's only "designed" to show 0g in free-fall because the difference between the reference frames of the casing and internals _is_ 0 when you are falling. Because, again, when you are falling, you are in an inertial reference frame - you are not accelerating against the flow of spacetime.

The only time the accelerometer reads something other than 0 is when something pushes it away from an inertial reference frame. This is true when you're on the ground: spacetime is curved, and "flows" towards the center of the Earth. The ground pushes you against the flow of spacetime, and the difference between these two frames of reference is 1g. Note that this 1g is not "caused" by gravity, it's caused by the electromagnetic force. Forces push matter away from an inertial reference frame. Gravity is different. It decides where an inertial reference frame goes by curving spacetime - it is not a force.

Hypothetically, if you were are the center of the Earth, the accelerometer would read 0g. There would be nothing pushing you in any particular direction - you would be in an inertial reference frame (ignoring the minor detail of being crushed by all of the Earth's mass).

Again, I'm trying to show the subtle difference between accelerating compared to a fixed coordinate system, and accelerating compared to an inertial reference frame. The fixed coordinate system does not take into account the curvature of spacetime. If it did, the coordinates would be "accelerating" towards the center of the Earth at 1g - congratulations, you've defined an inertial reference frame.

I hope that makes sense. It blew my mind when this idea clicked: that space and time are not two distinct things, they are two parts of the same thing.
> If I ever find myself in a conversation where I'm in the shoes of Person A, using good-faith communication means actually risking a complete failure of communication. Why even bother to communicate?

Unfortunately you can't always know ahead of time, even here on HN I have found that sometimes if I give an inch, others will take a mile. But if that happens I think you have two options: Out right correction, just outright say "Hey wait a minute, that's not what I meant." or, step back and accept that you are probably not changing this persons mind today.

The trouble with the internet, or really any public speaking, is that you might accidentally end up on the side of the conversation you are against in the eyes of the public, so just letting it go may not be a good idea.
care to elaborate? It's just 3 instructions.
And of course, you would be free to fund such studies with your own money, but so much science is taxpayer funded or subsidized in various ways that the ROI has to be treated as important.

"That's academic" is already a mild insult meaning useless or irrelevant, but that perception never had any impact on academia so far. The risk for the academy is that negative feelings grow, and then people start wondering why they're paying for so many studies where they're either shoddy or obvious. The justification for public funding is really only studies that:

a. Yield non obvious conclusions.

b. Correctly.

c. And which wouldn't have been funded by industry.

It's possible that the set of such studies is small, and in some fields there are probably zero such studies (e.g. my bête noire, twitter bot research).

Today the risk to academia is low because the political elites in western countries have all self-selected through credentialism and university based social networking, more or less. But all it takes is a populist candidate to get a big enough base and universities may find themselves in the firing lines, with little in the way of defense. It'd be better to prune the obvious studies now.
I don't use native snapping, just Rectangle, mostly through shortcuts (ctr+alt+left/right, and then ctrl+alt+backspace to reset window), because it's quicker than manually resizing for me.
Hello HN, FHIR Auth is a middleware to handle authentication requests coming to a FHIR server.

FHIR auth helps to you create multiple clients and give permissions to these clients depending on their needs.

These clients can then communicate with the FHIR server based on the permissions you've granted to them.

FHIR Auth acts as a middleware handing authentication requests coming to the server.

The landing page was made within a couple of hours. Feel free to drop a comment and suggest improvements, thank you.
Another grey area with POD (print-on-demand) is creating designs for POD products e.g. products like t-shirts, tote bags, mugs, wall prints, etc.

There are hundreds of online tutorials promising you how to create designs for sale on Etsy - even if you have not a shred of design talent. How? Go to Canva, find a good-looking template and slap on it on as many POD products as possible. Etsy is simply overstuffed with products like this. Many of these sellers are probably making good sales. Does this count as something being 'designed'? Does it even matter?

The perception that Etsy is a marketplace mostly of artists and "makers" is one that hasn't been true for a while.
EDIT: the example below is valid, but it neither swaps the pointers, nor does it avoid extra registers/stack usage; and there is no way to use Unions to achieve this, even in C, as calling `swapI(&(((union swappable*)x)->i), &(((union swappable*)y)->i))` is UB.

The best way to do this in C (NOT C++) would be with unions, assuming you know the size of int and float for your platform.

The following would be valid C:

union swappable{
float f;
int i;
}

void swapF(float* x, float* y) {
swappable xs, ys;
xs.f = *x;
ys.f = *y;
swapI(&xs.i, &ys.i);
}

Given that they are using overloaded functions though, we're in C++ land where there is no correct way to achieve it (or maybe you could with char*, as that is allowed to alias?).
After a home is built, somebody comes along and purchases it later. People are continuously doing this. When they do this to rent out a home, they are tying up capital in order to get rents.

And what determines the price level of rents? Scarcity of housing determines how far up the demand-price curve the market clearing price will go.

> You vote where you live, not where you own. The “local land owners using political power” is a trope posted here often, but I’m pretty sure it’s the renters who are electing the local politicians.

This is a very astute observation! And you will find that places where the landlords live in their voting jurisdiction, like San Francisco and Palo Alto, tend to vote for far less housing-positive politicians than places where the landlords tend to live elsewhere, like Oakland or East Palo Alto.

Landlords and homeowners have more money, more free time to influence local politicians. Every time you go to a public comment section, homeowners tout their homeowners status as if it gives them more clout with politicians, and often it does.

There's significant academic work on this power dynamic. One sub-genre of it is the home-voter hypothesis:

https://www.hup.harvard.edu/catalog.php?isbn=9780674015951

But there's lots of other research too.
I became intimately familiar with negative dentries while debugging a slow service deploy a few years ago.

A deploy that was normally very fast would sometimes hang for a few minutes during a phase where all it had to do was delete the old application directory and move the new one into place.

Turned out that the application was writing a bunch of tempfiles into the cwd and then immediately deleting them. Nothing ever touched that directory while the negative dentries accumulated for weeks or months. When someone finally deployed, the first rmdir that came along bore the cost of deleting all those negative dentries. It hung for seconds or minutes while the kernel essentially cleared out the entire dcache, deleting linked list elements one by one. It showed up in perf as being stuck inside shrink_dcache_parent.

This is actually easy to reproduce:

$ mkdir /tmp/foo
$ touch /tmp/nodelete
# create and delete 100k files
$ for i in $(seq 1 10); do bash -c 'for i in $(seq 1 10000); do rm $(mktemp /tmp/foo/XXXXXX); done' &; done; wait
...
$ time rmdir /tmp/foo
rmdir: failed to remove '/tmp/foo': Directory not empty
rmdir /tmp/foo 0.00s user 0.02s system 91% cpu 0.024 total
$ time rmdir /tmp/foo
rmdir: failed to remove '/tmp/foo': Directory not empty
rmdir /tmp/foo 0.00s user 0.00s system 81% cpu 0.003 total

Both rmdirs fail, but the first one takes 24ms. If you create and delete more files, it takes longer and longer.

At some point we probably would've noticed the memory leak as well (I found an 18 GB slab on one host while this was happening) but the machines in question have huge amounts of ram.

I worked around the issue by making the application reuse tempfile names.
When I think of lost jobs I think of lost busy work. Surely, if you are complaining about the lack of busywork, climate change mitigation will give you a lot of busy work, just not much profit.
A lot of these IoT applications (home security, thermostats) feel like they're re-inventing the wheel over and over again, without any one providing any major benefits over the other - for one, they all want to sell you a subscription to your face, and sell your data behind your back.
This is what I love about the UK system.

- NHS takes care of emergencies. There is no stress of payment in these situations.

- I have private medical insurance through work. Its done by salary sacrifice so I can choose to take the money instead.

- I can buy private medical insurance separately. Providers like Vitality[1] offer things like Apple Watches and discount gym membership. Private medical insurance is generally quite cheap (Vitality just quoted me £40/month) as emergency care is done by the NHS.

- You can use private healthcare to speed up things that might take a while or you might not get an NHS referral for.

Of course there's some problems with the NHS in terms of wait times, but I believe that's more of an issue of funding. In the UK I feel like I have choice that won't break the bank and I'm also not going to die because I can't pay.

[1] https://www.vitality.co.uk/rewards/partners/active-rewards/a...
In the UK, bank accounts have a thing called a sort code, which is six digits, conventionally grouped into three pairs, separated by hyphens (eg 08-92-73). It seems to be completely random whether an input for these will be a text box which requires hyphens, a text box which forbids hyphens, three tiny text boxes which you have to tab between manually to enter each digit pair, or three tiny text boxes where JavaScript automatically moves the focus to the next after you have entered two digits.

Naturally, you cannot reliably paste into any of them.

But then, my bank has disabled copying everywhere sort codes are displayed anyway!
C++ can do multiple assignment now, fyi.
"Domain-Driven Design: Tackling Complexity in the Heart of Software"

https://www.oreilly.com/library/view/domain-driven-design-ta...

There's also "Domain Driven Design, Distilled" providing a comprehensive summary.

https://www.pearson.com/us/higher-education/program/Vernon-D...
As Roger Waters said:

They repeated every test

They checked out all the data on their lists

And then, the alien anthropologists

Admitted they were still perplexed

But on eliminating every other reason

For our sad demise

They logged the only explanation left

This species has amused itself to death
Much though I dislike the author, I actually recommend the Clean Architecture book as an on-ramp for this stuff. CA is very similar to Hexagonal Architecture, and the book is more specific than any other source I've yet come across. It's written exactly with the goal in mind to tell you, clearly and unambiguously, what you should do and why, with as little room to manoeuvre as possible. That does make it a bit polemic, but when you're learning that's what you need.

It's also worth looking at Vaughn Vernon's books on DDD. The problem there is that what you end up building if you follow them to the letter ends up looking a lot less like the sort of applications that teams are used to building (which is good! The value is proportional to the level of surprise) so getting buy-in at the right stage of the process to do it properly can be hard. You need to get in at the conception stage, so if your team is used to having ideas dropped on them even partially formed, the struggle is entirely non-technical. If you try to sell DDD as "how to structure the code we're going to write now that the problem has been thought through" it's not going to work.
Your complaint is valid. Politicians should implement the dividend first and then start taxing to align incentives.
Probably the computer is on that stack of boards which presenter deemed "uninteresting".
Why wouldn't the sociopath in the group file all this information away to use against people later. I think I'd just refuse to take part.
You can use one any of the good old [issue tracking systems](https://en.wikipedia.org/wiki/Comparison_of_issue-tracking_s...). AFAIK, Trac and Redmine are quite easy to run self-hosted, as long as you don't need to handle public projects (and therefore spam management).

Realistically, though, you're more likely to be able to convince other project members to use the issue tracker of whatever forge they're comfortable with, for instance Gitlab, Gitea, Pagure or Sourcehut.
You're right! I was surprised. I did:

ag '(^|[^a-zA-Z0-9=])([a-zA-Z_][a-zA-Z0-9_]*), ?([a-zA-Z_][a-zA-Z0-9_]*) ?= ?\3, ?\2'

across several Python code bases I've worked on, and indeed found very few examples.

Here's one from Python's statistics.py:

X, Y = self, other
if (Y._sigma, Y._mu) < (X._sigma, X._mu): # sort to assure commutativity
X, Y = Y, X

NumPy has only one match that isn't in test code, in numpy/core/numeric.py:convolve

if (len(v) > len(a)):
a, v = v, a

It's a bit more common in SciPy, like scipy/linalg/blas.py:_get_funcs which has:

if prefer_fortran:
module1, module2 = module2, module1

but even then, there are only 26 relevant matches across 421KLoC.
Not really surprising, since as you put it, most mortgages are cookie cutting products that have a long checklist of qualifications. They are designed for W2 income earners and if you step off that well-worn path, they can't help you.

Others can help you, but you won't be able to access the typical residential mortgage market.
Well, for these types of situations, there are other lending facilities. You can borrow against assets if you have lots of liquid assets (e.g., stock that you cannot sell due to cap gains).

This is very common for stock-rich-income-poor workers who have long term stock comp. Of course, doing that encumbers the stock/asset rather than the house, which isnt exactly the same, but you still get the money to buy a home.
in my experience, Cmd + left/right arrow behaves like a pgup/down. Goes to the very end of the page, not end of a single line
That is to say it's a numeral
doesn't work for me https://news.ycombinator.com/item?id=31000315
Firefox 99 on macOS 12.3.1 scrolls /almost/ a page per spacebar keeping the last two or so lines visible at the top after scroll, so...

perfect, in my book.
While the “ism” suggests an ideology rather than an attribute of a real world society, what you describe is the essential balance every society needs to strike between the group and the individuals, and so you find jail and fines as coercion across a wide variety of countries and systems.

As a native English speaker myself, I urge you to get into etymology and understand socius and collective and community and thereby inoculate yourself against a weird strain of anti logic parading as American political discourse and often used by folks who know better sponsored by the federalist society and Cato institute and such… typically for lowbrow crowd appeal.

No society, by definition, is free from a collective aspect.
If the price of a house was directly related to its actual building cost, and considering how much deposit one needs nowadays, it isn't a bad idea.
This is full of stuff that isn't actually a problem, he just hasn't learnt how to use macOS yet.

> Snapping

Yes, macOS does suck in this regard. I can only hope they address it in the future.

> unlike Windows or Linux, you can’t “maximize” a window using the green “zoom” button

Hold down option when you click the green button. Annoying that Apple made this undiscoverable, but nevertheless it works and is built-in

> Command+Tab

macOS does this differently than windows or linux. I prefer the macOS way. Shrug? This is not a problem in macOS though. Your cheese got moved, deal with it :-)

> However, that keyboard doesn’t have the Option (⌥) or Command (⌘) keys like on my Macbook. This makes using keyboard shortcuts difficult due to the keys being switched, but I don’t blame Apple for this. I tried changing the modifier keys in System Preferences–>Keyboard, but that broke other keyboard shortcuts.

I'm not sure what he did here, but I've been using system preferences to swap the Windows and Alt keys so they match Option and Cmd, for over a decade and it works flawlessly. I can only assume he's misunderstanding something?

> However, plugging in a mouse with a scroll wheel means the scroll wheel is “backward”. Thankfully, I was able to download Logitech’s Options software to reverse this.

There's a checkbox in system prefs for that, you don't need any crazy logitech junk!
When implementing a sorting routine the typical 'swap' operation is two loads and stores from memory, and the order of the loads and stores is what effects the swap, you don't typically do swap-in-place with memory.
I live 600m from a fairly busy train line and ~14km from Edinburgh airport - the latter is much noisier.
>Just wait until you hear about how subsidised the infrastructure for cars and trucks are.

As others have told you, you are wrong.

US highways do pay for themselves (<https://web.archive.org/web/20130515013017/http://www.rita.d...>) (non-PDF version: <https://web.archive.org/web/20170712175437/http://www.rita.d...>), and help pay for other modes of transportation. Transit receives the biggest subsidy per passenger-mile, with rail and airlines in between.

(For those wishing more detail: From the executive summary (<https://web.archive.org/web/20170628114204/http://www.rita.d...>):

>*Highways*

>Users of the highway passenger transportation system paid significantly greater amounts of money to the federal government than their allocated costs in 1994-2000. This was a result of the increase in the deficit reduction motor fuel tax rates between October 1993 and September 1997, and the increase in Highway Trust Fund fuel tax rates starting in October 1997.

>School and transit buses received positive net federal subsidies over the 1990-2002 period, but autos, motorcycles, pickups and vans, and intercity buses paid more than their allocated cost to the federal government.

>On average, highway users paid $1.91 per thousand passenger-miles to the federal government over their highway allocated cost during 1990-2002.)
It must be a fun job to spend the day poking software looking for holes.

Wish I could do this all day long...

Aside, the fact that it took almost 4 months to remediate all accounts is crazy. AWS and cloud in general was supposed to make it dumb easy to upgrade, patch and maintain infra software in production.
I would pronounce that "ay two one seven nine". A505 would be "ay five oh five" but A610 would be "ay six ten".

But I wonder if that's because I'm from a part of England where the first digit is large (>4). I can see A1066 is more likely to be "ay ten sixty-six".
You can also import an off-the-shelf DSLR via Kazakhstan or as a private person property. If it would be a custom imaging sensor, its supply will be disrupted by sanctions (a long time ago perhaps), and I doubt Russia has capacity to produce sensors of such price and quality.
On a modern x86 cpu the ‘xchg’ instruction performs a swap and can do so entirely in the front-end via register renaming. It doesn’t even require a micro-op.
This ‘trick’ actually requires executing micro-ops and creates an unnecessary data dependency (which is actually worse than the micro-ops themselves).

Better to just use more variables and let the register allocator in the compiler decide what to do. If it’s a loop then unrolling it once could remove the need for any swapping at all, for example.
And what kind of interest rate do you get?
Another ACME alternative to letsencrypt is zerossl.

It's especially great because letsencrypt is operated by US company ISRG and zerossl seems to be from Austria, so if you're not happy with your server being dependant on US, it might be a good option.
Climate Reports (United Nations)
Yes there is, the guy's tweet showed his AGI per year - nothing more. No indication of source. Check his prior tweets - he wrote e-books, he mentioned how much his income fluctuates. Those are all red flags for typical mortgage lenders.

He got rejected because banks cater to certain types of customers. If his income was all W2 statements and clearly 100% salary he'd be fine. But it's not.

Hell, even trying to get a loan based on an AGI where 50% is a performance based bonus can be hard. That will be discounted heavily since there is no guarantee you'll make that much money next year.