skysight-inc/HackerNews huggingface dataset:
> FM does not guarantee most mortgages,

What? Of course Fannie and Freddie guarantee the MBS they issue. Which is an implicitly a guarantee from the US government. Otherwise they'd trade at much wider credit spreads, which would in turn lead to higher rates for home buyers. You don't have to take my word for it, here's the New York Fed's own words:

For agency MBS, the GSEs and Ginnie Mae promise full and timely payment of principal and interest, a guarantee that is either explicitly or implicitly backed by the federal government[1]

> You want to tax homeowners as if they paid themselves rent?

Alice, who has a 20% income tax rate, owns a house and rents it to Bob for $25k/year. Bob also has a 20% income tax rate, owns an identical house and rents it to Alice for $25k/year.

In total the government collects $10k/year in tax revenue from Alice and Bob from their rental income. Now let's say Alice and Bob swap houses and move back into their owner-occupied properties. This is an economically identical situation (remember the houses are identical). Both still own one home. Both are still consuming housing that's worth $25k/yr to them. Yet the government collects no tax revenue. Exempting the implicit value of rent is a subsidy favoring owner occupied housing.

> imputed rental value (which is likely not even legal)

The IRS already taxes tons of benefits based on the imputed income, even if no cash changes hand. For example, if your employer provides you life insurance, you have to pay income tax on the actuarial value of the policy even if you don't die during the coverage period.[2]

> then you will increase the cost of home ownership,

Not if the supply of housing is completely inelastic. Any increase in housing taxes will result in a commensurate fall in the sticker price that matches the tax increase. Economists have known this since Henry George.

[1]https://www.newyorkfed.org/medialibrary/media/research/staff...

[2]https://www.duq.edu/assets/Documents/benefits/_pdf/Imputed%2...
Check out Doom Emacs, I was a long term vimmer then picked up Doom and it converted me pretty quickly over to an Emacs guy now.
Another fun fact, BRL-CAD was started by Mike Muuss, author of the 'ping' networking tool. Brilliant computer scientist. Also, while it's evolved, the codebase predates nearly everything .. ansi c, c++, tcp/ip, opengl, version control, .. actively developed and funded since 1979.
Is your assumption here that all minerals are distributed equally, or equally accessible?
If your 401kholds stocks or bonds, they probably do.
> Maybe I'm confused, but I have an right Ctrl and a right Alt. Both keys are left to the arrow keys. I thought you wanted to switch around also those two keys. That would be ticking a checkbox in the keyboard config afik.

Same layout here. I want the key that's used for arrow-based text navigation shortcuts (Alt on MacOS, Ctrl elsewhere) to be physically the rightmost key, right next to the arrow keys, then I can press it with my index finger and press the arrow with another finger. Otherwise, if that key is farther from the arrow keys, I find it hard to press those shortcuts. At the same time, I want the key that's used for most system shortcuts such as Ctrl+N / Cmd+N to be under my right thumb because it's the strongest and otherwise underused finger.

So, on non-MacOS systems I end up wanting right Ctrl to be in two different places at once, since those systems use Ctrl for both types of shortcuts mentioned above. So unless I have a big enough keyboard to have two *right* Ctrl keys on my keyboard, I can't just remap the keys to solve this.

Whereas on MacOS it's fine as-is because it uses Alt for arrow-based and Cmd for other system shortcuts respectively, and those keys are already where I want them to be.

Anyways, this is getting too much about me, I doubt it's interesting to anyone. Cheers.
> Qubes is looking less and less like "A good idea" and more and more like "The only way to safely use web browsers."

That is until someone comes up with a debilitating Xen 0-day
This is where things get even more strange.

Most people who do manage to afford to live in Toronto still have to commute. you can get condo's right in the downtown core, but they are insanely expensive.

So the debate he had was a ~30 min commute and a "toronto" address vs a 45-60 min commute and an address in a small city outside Toronto.

I worked in toronto a very long time, dont know many people who actually lived there. Most commuted from cities in the GTA (Greater Toronto Area).

Sometimes the commute is sort of unavoidable.

What are the options to avoid a 30 min commute if you work in a specific industry which prefers "on site" work, and that company owns property in a city you cant afford to live in?

You can change industries, etc.. but those are personal choices.
> Merchants can pass the CC surcharge through

Can they? I was under the impression (unverified) that they are under contract to provide the same prices for CC customers as they do for cash or debit card.
So what you’re implying is that because security for most major companies is a joke, and because they all have crooked employees that help criminals gain authorized access, that it’s an uneven playing field between the so called “most vulnerable members of society” and the criminals, that account access methods should be even broader and made even easier for criminals by giving them a human vector to manipulate? That’s absolutely ridiculous. I think there should be NO HUMAN in the mix, when it comes to my password recovery and resets. I want ONLY code processing my request with no hope of human override. Because it’s so easy to gain authorized access to any account by using the old social engineering backdoor! Why on earth should we make it easier by increasing human vector in the equation? I’ve had hundreds of gmail accounts over the years and never had one hacked thanks to their impeccible way of helping in all but the most exceptional of cases.
$14 trillion in 2070 will buy you enough hover gas to get you out of the tri-state free trade zone, and a beverage from the starbuxks trade union™
If you're eating plant matter then you're eating indigestible fiber that you have to poop out -- this is a problem that no one eating only animal-based foods has.
I order by the case and re-order when I've loaded the last ream.
Rust version:

const fn factorial(n: u128) -> u128 {
match n {
0 => 1,
_ => n * factorial(n-1)
}
}

fn main() {
dbg!(factorial(20));
}
That system where your money disappears if you don't get "gas" fees right? The Bitcoin/lightning stack is the best option here.
Sure, lots of things. No regressions I’ve noticed…
Visa/Mastercard are looking very overvalued to me. When fednow comes out, I see very little reason for people to use those legacy options anymore. Its like the market is completely oblivious to the impending doom coming for these rent seekers.

Every single app/store/site is gonna be begging you to enroll in fednow and will be offering 2-3% discounts/bonus points for any purchases made through it.
You mean Bitcoin Cash.
As stupid as it is, there are legitimate legal complaints against him, namely advertising that votes could be texted to a certain phone number.
Why do they need that many for the products they have?

Sounds like just because they can but not exactly using them effectively on the new fleet offering by the look of the progress speed.
I still haven't understood why credit cards companies need to go through this complex multi-hop "settlement" pipeline that takes almost a day for transactions to get "processed". Is it because some banks still depend on mainframes doing batch processing?
Anyway, I think you are correct, and I don't know any good name for software that reacts to the wall time.
Fortunately, phones never get lost. Or broken. Or stolen. Or discharge. Or malfunction. Or lock people out for no good reason.

I can put a $100 bill through the washing machine and it's still perfectly usable. When I can do that with a phone, maybe I'll switch.

I ran a credit card through the washer and dryer last month, and even though it got bent, and the stripe doesn't work anymore, the chip does. And the numbers can be punched into a POS terminal if all else fails.

E-wallets are putting your finances into a single point of failure. Tech people should know better.
That link would be more convincing if it dealt in quantities rather than percentages. Does 70% mean 7 out of 10 or 700,000 out of 1,000,000? And anyway, why wasn't it 100%? People who intentionally consume raw milk know that it's raw. Why shouldn't we be more concerned about the 30% who drank pasteurized and still got poisoned?
What if I guaranteed your results? https://www.youtube.com/watch?v=dGDbpg1nG8Y
All the recent chinese military exercises and direct threats from chinese news outlets and military leaders are not .. threatening ?
Perhaps this is an irrational fear, but one of the reasons I like credit cards is because when a charge happens, no money leaves my personal accounts. If a charge is fraudulent, it gets cleared up without me being out some amount of money until it gets cleared up.

I assume with FedNow (same as if I were to transact using debit cards), money leaves my bank account more or less immediately when a charge happens. That means if someone manages to fraudulently charge something, I am out that money (up to $25,000!) until the dispute process is resolved.

Also, do I really want the central bank to have a record of all my transactions? Not sure I do.
Makes it easier, but you can't entirely avoid relocations. https://eli.thegreenplace.net/2011/11/03/position-independen... seems like a decent explanation.
The role of vaccination and public awareness in forecasts of monkeypox
> This is something I hope a blockchain solution breaks through.

Don't worry, Visa and probably Mastercard already have a crypto department. They've been digging into blockchain (and buying startups) for a while now.
Honestly I will always be saddened by the fact in this reality Python won out over Ruby in the readable scripting language wars. Writing Ruby feels elegant, it feels fluid, it feels like creating.

Working with Python always leaves me with a sour taste in my mouth and frustration after having to try and figure out how to make modern concepts work well, and giving up and going back to old imperative styles of coding.
We produce things that matter, such as food. We’ll be fine.
Also GnuCash, which I feel requires no elaboration on HN as it is so frequently its own topic of discussion.
Karabiner-elements is a good one. There is a script that adds the middle-mousewheel hold to drag scrolling like on Windows.
>Merchants can pass the CC surcharge through

Unless things have changed in the last 20ish years, if you accept credit cards you’re not allowed to charge different prices for CC vs non-CC payments (although there are apparently some carve-outs for gas stations).
Came here to ask - there's really no patch for Big Sur?
HaHa, yup, but it seems they're fat & happy where they are, with high fees on both sides. Their services are so much better than V/Mc that they could rapidly swamp V/Mc, IFF they'd reduce their fees. But they are obviously not interested in any other than the market segments they've got.
I would argue that a huge or maybe even the primary reason why maintenance is so hard, though, is because a lot of software was originally not written "correctly", that is without maintenance and longevity in mind.

The hardest part of maintenance, in my experience, is that programs were developed under needless or incorrect constraints and then expected to be magically maintained. There is a huge downstream effect of decisions made early on in a software system's life.

The story of "just get it working" that evolves into "now that's it's working, don't change it but add these new features" repeats itself over, and over, and over. It's not surprising why maintenance in systems developed like that is hard.
It's not locked to anything. You're interpreting the original article wrong.
Exactly. It's hard to take any prediction more than 5-10 years into the future seriously. Not because the predictors are being insincere or deceptive, just the inherent inability for prediction models to account for unknown unknowns.
I absolutely, positively do not.
If you’ve ever rented a car in another country, you will find yourself in those menus. Probably while driving. The best cars are when the menus are easy to get to, using buttons on the wheel.
I love that you did such an audacious thing.

FYI, if you're on MacOS, someone has packaged Postgres into a standard "just works" self contained MacOS app. With a GUI & system tray menu to control it. It's so good that I use it instead of a Docker image for PG. All the psql and pg_restore commands are contained in the .app package and can be called from the terminal.

https://postgresapp.com/
Economics is called the "dismal science" because slavers called the economists that when the economists pointed out slavery was both bad and inefficient.

The slavers' argument was that treating them bad taught them proper Christian character.
So far I think the first step has failed spectacularly a few times, let alone any follow up. I'm not saying the above is necessarily impossible, but at this point I've acquired an instant gag reflex when I hear blockchain. I'm not sure if that's a healthy approach for me, but it's true.

Why does it have to be a blockchain instead of a government-mandated nonprofit (e.g. FedNow) to operate it? Wouldn't that have more oversight and less chances of massive fraud?
I wonder if this would prevent sites like tumblr or pornhub to be forced to take actions at the whims of their payment processor provider
Baidu is not a competitor to Google. Even if there was an English version of it, with so much censorship it wouldn't be able to compete. Bing and (maybe) Brave Search are small competitors to Google.
It has much, much better scalability and uptime. The other day the entire LN went down due to 1 bad node. That has never happened, and will never happen in the original Bitcoin design (ticker: BCH).
It’s on the discover card network
I doubt they care, as their business is built on quality, not quantity.

Average Amex cardholder already charged to their card roughly 10x of what the average non-amex cardholder charges.
Strange, the US newspapers that wrote articles based on WikiLeaks leaks won prices.

And WikiLeaks isn't the leaker but the publisher of that leaks.
The bug doesn't seem to describe the vulnerability at all, though?
It's wild to me that Americans can deduct mortgage interest from their tax bill
...
AGI is Artificial General Intelligence, for those who were wondering.
Does anyone sincerely believe FedNow will gain traction for consumer payments? The fees don’t seem particularly cheap (at least compared to something like Solana Pay), and the FedNow website does not inspire confidence.
Could be very cool - I didn't know abt this, thx for posting!
That used to be the case, but changed in 2013 when a lawsuit settlement was reached that more or less did away with these sorts of contract terms[0]. That's why (at least where I live) gas stations that charge different prices for CCs and cash/debit are everywhere, some restaurants will offer some percentage off if you pay in cash, and some online services, even, pass credit card fees on to customers.

I believe there are a few states in the US left where merchants can still be required to charge the same, but in most places in the US that's not the case.

[0] https://smartpay.gsa.gov/content/surcharges
Seems to do fine. I printed out a manual for a thing recently and the pages came out flat I think.

It _is_ weirdly muddy with images though bit noone is buying a monochrome printer for images.
Scotland occupies the northern third of the island of Great Britain.
Yeah - the targets are different. Thats probably why comparing the pricing seems odd too. Even our lowest tier has more dedicated memory (so its more expensive for us too). But don't get me wrong - I think Replit is really cool but just not what we're going for :)
Touchscreen interfaces in cars never made even an iota of sense to me. What if we make an interface that requires you to stare down at it... while driving...

After a few months in a car with tactile controls it is easy to turn on the A/C, radio, whatever with a quick glance or not looking at all.
IIRC it's only for non-cash payments that you can't charge a different amount for; cash discounts are allowed across the board.
The big question is whether validators who process sanctioned contract transactions on chain are liable. I would say they are, since in theory they can choose which transactions to include. If I were a US based miner I'd be looking into it. (not that I agree but it seems the trend is more enforcement, not less, over time)
Linux support for Brother printers is variable. brlaser kind of works for mine, but only with a patch, and some documents still end up producing a white page...
No. Not even remotely close.

Both Bitcoin, and Ethereum have both proven that they are unsuitable for payments. Both with their demonstrably slow, expensive and unscalable layer 1 and their ducktaped contraptions of their non standard layer 2 solutions.

I can only see a few cryptocurrencies that are suitable for the payments use-case which the ones considered for this are part of the ISO 20020 standard.
This is a very nice video from what I've seen so far. Hoping to see more from Karpathy. He seems to have a talent in explaining things.
Solid pedantry attempt, but missed the mark.

Scotland is a part of Britain. Scotland is not part of England nor Wales, but Scotland, England, and Wales are all part of (Great) Britain.
What ? Why?
> This only makes sense if you think of markets as gambling. Otherwise, other participants are always getting rolled by parties with better research, or perhaps just a faster internet connection.

Or if you think of markets as a way to encourage investment into the economy. Why should I invest if insiders are going to be scooping up a lion's share of the windfalls?

Anything that reduces the ROI on my investments creates an incentive for me to not invest.

> This doesn’t stand up to the most basic scrutiny. Sabotaging your publicly traded company is illegal whether or not you also engage in insider trading, what benefit is there to be had from criminalising the same thing twice?

1. Without these incentives, you have far fewer reasons to behave unethically and illegally.

2. You usually can't tell the difference between accidental incompetence and malicious sabotage. Being able to do sabotage under the guise of incompetence, while having a profit motive is a colossal conflict of interest, and any system that encourages it is going to produce a lot of poor outcomes.

3. When the executive doesn't benefit from either incompetence, or sabotage, and their rewards are based on good performance (stocks go up), their incentives are aligned to chase good performance.

Better price discovery is a good thing, but in this case, the juice is not worth the squeeze.
If you religiously limit yourself to only eating beef, eggs, and sardines, then you will consume the fewest calories with the greatest return in terms of nutrition of any possible diet plan.
The other parts aren't all made in China. The displays are made in Japan and Korea.
The people complaining on Twitter that foreign cheap labour is being used are writing on devices that were produced by that same labour. Those very same people are the ones that are demanding that we bring those labour back but unwilling to brunt the cost that companies will then pass on to those same customer. It's not a strawman its the reality of Western society, whatever feels wrong is totally and completely detached from any logic or intellectual discussion about why the reality they feel like they are entitled to is at conflict with their own contradictory desires.

It is virtue signaling, largely to placate and pat themselves on the back to deflect blame from them, that their consumption, their vote with their money, and unwillingness to pay the true cost, is what creates this situation.
Not sure why people flagged you for this. It's very common for open source projects to make the details of security-related bugs private. One example is Firefox, nearly every security update references one or more bug tickets that the public doesn't have permission to view.

I wonder if Apple listed the wrong webkit bug number, it almost looks like it.
The only thing I don't want to happen is for the duopoly to be broken up into a billion different little fiefdoms each with their own unregulated space. One of the reasons credit cards are so good is because there's a fuckton of regulations built into the legislation behind them in order to give an individual consumer a fighting chance against the financial industry.

All these fintech companies wanting ACH access to my bank account? If a transaction gets fucked up (i.e. someone puts the decimal in the wrong place) it's my immediate and hard to fix problem. I have to deal with my bank's bureaucracy and their goodwill. In the meantime I have no access to my money. If someone fucks up the same using my credit card number it's one call and the company takes care of it and because it's in arrears I still have all my cash.

Nope. It'll be a cold day in hell before I give any fintech get direct access to my checking account for payments.
Under GAAP rules, you could use FIFO, LIFO, or average for inventory costs. IIRC firms generally use LIFO, since that usually results in higher cost of goods sold, and therefore lower taxes. They can't do exactly "most expensive first," but LIFO is pretty close to that since inventory prices tend to increase.

Tracking how many units were bought at each time at each price is not part of the core accounting ledgers of debits and credits, that would be supplemental info that helps you determine how large the debits and credits should be whenever you use up inventory.
I always write a remote function as just "an async function that takes type A and returns type B" - then I can write tests for it very easily and run it locally, IF it doesn't use any AWS services like databases.

For deployment I have a generic "wrapper" that makes it lambda-compatible by converting a webEvent -> Json and my outputJSON -> web response event.
With no chips to repair the john deere tractors? Yeah food won't happen.
In Brazil many stores are dropping credit card and allowing only PIX (instant debit transfer) cause it's cheaper for business (0,22% avg transaction fee vs 1%-2% of credit cards - src (pt-only) https://g1.globo.com/economia/pme/noticia/2022/03/23/pix-e-m...).

The President of Brazilian Central Bank recently said that "credit cards will soon cease to exist" src (pt only) https://www.poder360.com.br/economia/campos-neto-diz-que-car...
It’s complex, but I believe Visa and MC voluntarily gave up their anti-steering requirements, while Amex fought the legal challenge against them and won[0].

[0] https://en.m.wikipedia.org/wiki/Ohio_v._American_Express_Co%...
Yes, that commit changed the readme. The commit before that was in January of 2021, the one before that in March 2020. Doesn't look very active to me.
I don’t see the value add from the sender side.
Will this work with manifest v3? (Does it need a worker thread like absurd-sql and thus doesn't work with mv3?) If it does work, is there a repo or writeup on how to DIY this?