skysight-inc/HackerNews huggingface dataset:
In New Zealand, all mortgages are approximately at a floating interest rate.

You can lock in a rate for up to 5 years (with the majority choosing 1 or 2 years), but after that “fixed” period completes, you now renew your interest rate at whatever the current market is. Most mortgages are signed up for a term of decades (mine is 30 years, and I signed up at age 50), so although you might use “fixed” rates for a few years each, you end up with a stepwise approximation to the floating rate. My mortgage allows me to pay 20% more principal each month, which shortens to term to 20 years.

You can renegotiate terms, and you can cancel a fixed 5 year rate early, but the bank charges a fee, and the fee depends on how valuable the current terms are to the bank (they cover any downside risk to them). If you change mortgage terms, and it turns out the bank is “in the money”, they don’t pay you (they just pocket the profit).
That's been the case since the dawn of voting machines.
I'd go further than this and suggest that web applications, sites that don't display anything without executing code, are not web at all. They just use web protocol to transfer the executable. And pretty soon most web applications will switch to using HTTP/3 implemented on QUIC so they won't even be using HTTP.
Yes. Because when private individuals or companies do it unbidden, lawsuits fly in order to save face.

When you are found out by the government, you're going to think really carefully about frivolous lawsuits to save face.
> These are enormously complex pieces of software.

Then the "internet" should be rewritten. If the browser is now on such a complexity level that making a new browser is "impossible" than it's safe to declare the internet as dead.

How is the internet to evolve otherwise?
Given what's going on there I don't doubt it, incentives have changed. Like that time the republicans saw themselves getting tens of thousands of additional followers upon the announcement of the acquisition.
A strike wouldn't be to remove a C-level as much as really drill home the consequences of poor decisions. Individuals are still too lenient in letting themselves go through the burnout treadmill for the upper trenches to feel it.
Nope. I literally meant what I wrote - that I do, in fact, know enough families in the city to personally know what happened at most of the schools, both public and private, in the city.

Recall that SF isn’t that big a city - only 800,000 people (and with a low %age of children to boot) - so there aren’t that many schools in the city.

[edit] it’s also the case that the only variation in response was on the private school side - SFUSD took a monolithic approach to their schools (which are the greatest in number and have most of the students in the city)
Up to 30% of online reviews are fake and consumers can't tell the difference
We spend 40 hours a day for nearly our entire adult lives at work but we're not talking about life? Are you serious?
Best move in (2) cases, I have been thinking, is to move them aside: have them do exploratory work and perhaps not have people under them.
Voters are morons. The president has vanishingly little ability to control the economy. Even the fed, who have significant power to affect economic policy, have little power to bend it to their will.

The economy we experience today is the result of the sum of decisions around the world being made today, and for the past dozen years. Even the most powerful people on earth are just a breeze against the runaway semi truck that is the economy.
This is another can of worms that we may need to open. There is not an insignificant amount of products built off research and or original source paid for by the government. The intel community is full of companies that start this way, as is medical.

I'm not sure where or how to get that worked, but it is a worthwhile conversation.
Section 230 grants them immunity without regard to some nonexistent "publisher vs. platform" criteria.
The Small Things Manifesto
I was referring to the favorable state of Twitter OP was describing, which doesn’t hold up IMO.

> Obviously the people who use it think it's worth using

I‘m an ex heavy Twitter user. I primarily use it for keeping up to date with tech, but the signal/noise ratio is not great nowadays. I can see myself switching to Reddit and HN completely.

> the point the author rightly makes is that it will get worse

That remains to be seen, no? What’s the use of writing that a week after an acquisition?
At the scale of a company like Twitter, the product and infrastructure are less like a static bridge and more like a complex living, evolving organism. So the analogy is not a very good one.

So your patient might be ok if you fire Ned, but if you try to make changes and a critical system goes down, it might take you a lot longer to fix things without the specialists in that system.

You could keep one specialist around for each system, but then you have a very small bus factor.
It's targeted at people who aren't as smart as you, which I guess is a lot of people
I suspect many homeowners with a bit of equity would adjust their ammortization period to keep their payments affordable, and then re-adjust it again if rates drop a few years later. When it's time to renew your mortgage you usually have quite a bit of flexibilty.

The people that get hurt the most with increasing interest rates are new home buyers with high-ratio loans, with their amortization already at the maximum. There are definitely some people who get caught in that squeeze and are forced to downsize or right out of the market by those conditions.
https://www.freddiemac.com/about and friends buy mortgages that meet certain requirements (called "conforming" loans) and package and sell them to investors. Since they will buy 30 year fixed loans, banks are willing to sell them, and investors are willing to buy the subsequent bonds created out of them because they're (likely) almost as reliable as 30 year treasuries from the US government itself.

If you try to get a 30 year fixed loan outside of the US mortgage market, it's hard to find with rates as low.

CMHC may not buy fixed rate loans in the same way.
What’s stopping them?
Free market of ideas. Don’t focus on the meaning of any given statement but the volume of attempts at contrarian statement.

What Elon’s businesses are trying to accomplish is not essential to the species. The species is not essential.

The masses are tired of being squeezed to produce as the output and comfort is squandered and monopolized.

That said, the public has to accept as well the planet is finite. Society does not just have a crony capitalism problem. The public, rich or poor, politician or citizen, has a consumption syndrome and conviction to fuck the future in service of our demand for novel experiences.

Applying the awareness of infinitely big small numbers to the economy has lifted people up materially for sure. But the literal resources are not there for everyone to have the buying power of a CEO. At the same time, no theory of science I know of says Musk and co specifically must be enabled.
There are, some say, things worse than death.
Same here.

I don't care what name is associated with a given comment.

It's the content of the comment that matters to me.

Many of the most insightful and informative comments I've ever seen have come from "throwaway" accounts.

Many of the most useless comments I've ever seen have come from prominent, real-name accounts.
From the department of the bleeding obvious
No it's not. Musk "created" a factory as much as Columbus "Discovered" the Americas. That's about it.
(In the US), the thing with fixed rate mortgages is that they're predictable which has a lot of value too even if you could do better with ARM if things align. And if rates go down--not that that was likely over the past at least 10 or so years, you could always refinance to a lower rate. I did have a home equity line of credit for a while--which was variable--but fortunately during a pretty low interest rate period.
I think you a few words there, but if you read that link and think the people who responded to NPR sound informed and reasonable, then you and I have very different definitions of those words.
It's a bad status quo given they work for us. Imagine having an employee that constantly lied to you in order to get a raise and took credit for things they didn't do.
Does anyone remember that hacker that scanned printers and if they found a vulnerability they exploited it to print out a warning to the owner of said vulnerability? I think they patched it too?

Edit: Looks like it has happened more than once

https://cybernews.com/security/we-hacked-28000-unsecured-pri...

https://www.bleepingcomputer.com/news/security/a-hacker-just...
OP is correct if the strongest rebuttal to the argument being put forward is semantic pedantry.

You can spot stupid[*] replies miles away when there's no attempt to engage with the substance of the argument.

[*]: Yes, stupid. https://www.youtube.com/watch?v=ww47bR86wSc
I'm a structured data maximalist so in addition to RSS and Atom, I implemented Schema.org metadata on my blog for GoogleBot, and I implemented JSON Feed and h-feed/h-entry markup, even though I've never seen anything that actually uses JSON Feed out in the wild. I'd be interested if there's anyone out there that's actually using these sorts of feeds.
This is the problem when you're the CEO of a ad platform and also of a car company and aerospace company. Are your competitors in those spaces willing to give their advertising dollars to your platform?
Alternatively, don't define who you are by your mental illnesses. People are not built equally, and some things can be considered objectively broken.

Shit at some aspects of life that are easily treatable? Treat them.

ADHD remains one of the most easily medically treatable diseases. Do not listen to people propagating the stigma that you should just accept a substandard life. For most people with ADHD, medical treatment works very well and massively improves quality of life. Medical treatment does not have to be a last resort.
Regwall / dark patterns: <https://nitter.net/shannonrsingh/status/1588591603622772736>
Sounds a bit like buying a commission, by having enough money you proved worthy of it.
On cursory inspection I'm not finding the articles I saw on HN about this, so I'm assuming you're right. My bad; thank you for calling it out. I'm barely over the time to edit my post, or I would remove that part.
Haven't experienced exactly that but I often did non-coding tasks:

- lunch shopping and preparations, clean up

- transport from one branch to another for Factory Acceptance Testing

- at one point I worked as a consultant for a rather large Norwegian company and one thing I noted was the the most senior leader I ever saw in that company (that I was aware if at least) was also one of those I remember who would make sure to tidy the kitchen and make sure everything went into the dishwasher
Oh yeah - when we finally had laid RG-58 coax from downstairs up to the attic around 2000, my mom used Winpopup to tell us kids to stop playing Duke Nukem and come down for dinner.

Good times!
Bridges have ongoing inspection and maintenance work that will lead to collapses if you decide to just skip it for no good reason too.
Boeing's Starliner launch pushed back again to April 2023
I moved all my feeds to Nextcloud News which is just one of a dozen or so add-ons I setup on my Nextcloud server. The official free mobile app is awesome, and Nextcloud syncs with just about any feed reader.

My only hesitation about Nextcloud is that I don't like to put too many eggs in one basket. It is best in class for cloud services and now my most critical installation. Their innovation and drive as a company is impressive probably because they have real values that align with their people.
This is basically a re-implementation of the recent work from OpenAI[1], where you first collect high-quality observation-action-observation transition tuples, train a model to predict the actions between observations, then use that trained model to label a much larger observation-only observation dataset (e.g. youtube videos of people playing a game).

Finally, you just do dead-simple behavior cloning (predict "expert" action from current observation) on the large labeled dataset. It's still surprising to me how well this works! Behavior cloning has some theoretical issues since it doesn't address the sequential nature of decision problems at all, but apparently with enough scale it can still do fairly well - super cool.

[1]: https://openai.com/blog/vpt/
How difficult is it to collect user feedback to improve the categorization?
This one was essentially choice since, with the relevant context, the tweet essentially was attributing near record inflation to Biden's leadership.
Is the Elonsphere more or less representative of the general population than the Redditsphere or the HackerNewssphere?
Doesn't sound like he was that devoted to it: he bought it because it was cheap, and later moved to a white-lacquered Selmer that looked similar but played better.
$1B+ interest payments but no market for the debt. It is as of now a massive high-risk loan (though perhaps it wasn't in April).
Imagine thinking that decreasing property values is a bad thing.
Once your app gets to that level, even keeping the lights on requires work. Third party dependencies don’t stop updates, security or otherwise. Laws and regulations change. Advertisers demand features that aren’t seen by the general public. Multiple SRE teams are needed to handle oncall rotations, outages, etc. And now that you have thousands of employees, you need to start building automated HR and IT tooling.
Depending on what you want to do. But it's unlikely you can fire 50% after a weekend in, even if you are willing to let quite a lot of projects die.
>I was lucky but I know many Indians who have been pushed by their parents and are miserable.

We hang out in different circles. Looks like your default position is that Asian American kids have been pushed to study by their parents. Did it ever occur to you that many kids like to push themselves and test their mettle?

>I also dont think a university environment dominated by such kids will be good either for the school or for them down the line.

You're making up stuff about "university environment dominated by such kids."
That's right, let's admit unprepared kids by lowering the bar. We'll act puzzled when they drop off from STEM programs into easier majors (which is a well known phenomenon, BTW.)
> You would have to understand how the software works.

No you don't. You have the opportunity to trust someone who understands how the software works, which you wouldn't have if the people you trust weren't allowed to inspect the software.

With this kind of logic, you could never trust an election where you didn't physically count all of the votes yourself. Since that doesn't make sense (not scalable when elections get beyond about 20-30 people), we allow voters to send people they trust to observe and participate in the vote count. This is like that.
Yes, that's how Twitter works? People reply to Tweets.
No, mov is longer. Push stores the constant as just one byte and omits the three zero bytes. https://stackoverflow.com/questions/56618815/why-use-push-po...
True! It is not disruptive just because it sucks. In fact, it is not disruptive at all yet—what has it disrupted? Nothing. :^) What I said, though, is that I'm not _discouraged_ at its limited utility at this point in the game. It's to be expected. Everything, as you say, sucks at first.

In terms of Innovators Dilemma: Robb Oat is not useful to existing "customers" of software engineers (product managers, engineering managers, lead engineers). But because of its drastically lower cost and higher speed, it _may_ open up new markets that barely exist right now. If successful in these new, smaller markets, it may eventually move upmarket and displace existing "technology" (i.e., us) once it can compete on productivity. That's the point at which it will have proven itself to be disruptive.

The next step for Robb Oat, if it's to go anywhere, is to find the smaller, newer market where it can be useful. TBD
> if that can't/doesn't happen, it's because _congress_ doesn't represent the people of the United States.

You're just saying the same thing with different words. If the Fed or the congress doesn't represent the people it doesn't make any difference to the elite class, who indeed own these two entities.
Good point. Learning mostly occurs during the active parts where no YouTube video can provide. I think that's why universities will live a lot longer than people think.
The irony is that Musk was proclaiming that Twitter is now going to focus on free speech (as in, everything non-illegal goes), and just now they removed an instance of non-illegal speech.
It’s not just the company.

Some RStudio products change their name - the “enterprise” offering.

Another RStudio product doest’t - the open-source IDE.
Are you an employment lawyer? You're making a lot of assertions about what's acceptable.
https://www.statista.com/statistics/1304563/us-adults-impres...
I don't feel like you're making a good faith effort to understand me...
It makes the banking system more resilient to rate fluctuations..
You're missing that most US workers aren't under contract. You may also be missing that if I decide I'm tired of my job, I don't have to go in on Monday. I don't even have to tell them I'm quitting: I can just mail their laptop back to them and stop communicating. Eventually, they'll figure out I'm not coming back, and send me a termination letter along with my last paycheck.

[edit]
While it's certainly rude, there is effectively no downside to me doing this.

> perfectly normal to wake up and find out you've been fired

I should add that this is by no means "perfectly normal." In fact, the reason it makes the news is that it isn't. Most people will have at least some inkling that they're about to be fired or laid off.
Are you a voter?

Just asking...
Serverless API Essentials – Idempotency
No screenshot, but when there were several messages you could go through them with the arrow buttons that are grayed out in the screenshot.

Not very advanced but 'good enough'.
I'm reminded of IBM vs Microsoft when they were writing OS/2, and supposedly the fact that MS engs were reducing the LoC was aggravating to the IBM engs.
When people subscribe to a service, they want a sense of the tangible and intangible aspects of the service and the company behind it... they want to know what they're paying for, and what they're getting for that money.

So far, Elon's been a dynamic and inconsistent figure. He's not representing a stable, known offering where things won't radically change with his whims.

IMO, he needs to stop tweeting and he needs to build a team who can represent the policies and offerings of the company. Obviously he has that in place at Tesla and SpaceX (in greater degrees than he has brought to Twitter so far).

Even if the $8/mo offering is a bargain, it also has to feel reasonable. So far, Elon's not making that case for himself, even while he's basically making the case that he is Twitter now.
What political radicalization specifically are you concerned about?
Listen to the audio between 4:00 and 4:15 - maybe in a quiet room with headphones. That's either TTS, or a Lex Fridman impersonator with some fucked up vocal cords. You tell me what's more likely.

There's also the mispronunciations for common words - words that you can easily verify Lex Fridman has no difficulty with.
When many people say 1%, they're really thinking of the .01% or less.
It's very concerning that Elon's posts have so many comments but he's replying to so many far right crazies and conspiracy nuts comments.
That may or may not be true, it's all unclear. All I know for certain is that the people commenting have no idea either.
Definitely not for Trump - it's a recent twitter feature (pre-Musk). But it's usage recently has spiked and is more like a pinned reply.
The US market is greatly formed by the Great Depression - before that both sides could "call" the mortgage at anytime, basically (you could pay it off anytime you wanted, and the bank could call you and say "pay us cash tomorrow"). But nobody ever really DID either of those except from normal business (moving, missing payments, foreclosure, etc).

And then the 1929 market crash wiped out the banks so they called in all their assets (loans).

And so now the US Government steps in and says "banks you can't do that" and the banks said "then screw lending" and the government said "we'll buy and resell the loans with our guarantee" and the banks said, "oh really hmmm".

You can get ARMs for real estate in the US, and they may become more attractive as rates rise; the rates were so low it wasn't really worth it to even consider, but they exist - here are some: https://www.bankofamerica.com/mortgage/adjustable-rate-mortg...

The average American holds their loan for something like 7-10 years before either moving/selling or refinancing, so an ARM can be a worthy consideration. But you must plan around what it could do "worst case".
As a relatively new programmer who entered it through statistics, I've still yet to have a better UX or "it just works" moment than using the tidyverse. Years after moving to Julia, Python, and Rust I still go back to R to do any tabular data work. Speed isn't an issue, I always have data.table, and I'm productive in a way that I could only hope to be while doing non tabular data tasks.

RStudio is the perfect IDE. REPL/command-line + Scripts + Plots. I could not be happier using it and I wish I could get VSCode to be half as good. Julia for VSCode is pretty good, but the Python science tooling goes 100% towards notebook environments which I'm not a huge fan of so the Python Science VScode experience is subpar.
At the very least it's nice to see a power user in control of the platform.

The status quo was so bad - I'm really curious what's going to happen. I'm optimistic.
The New Llama Song
Services that are on the hot path of serving requests and generally keeping the site up and running are a tiny, tiny fraction of overall infra costs at companies like Twitter. The majority of spending is on storage and processing of logs, metrics and analytics data. Now you can argue that Twitter will be worse without this data, but it isn't as simple as "Twitter will go down more if you cut infra costs".
That document says that Britain is 87% white I mean I don't know what you expect.
I think the issue with these massive scale apps is that people want better and fresher features which are not always well defined and get lost in the maze of product development of a huge company. They have to make decisions, do we go with web3 stuff or do we improve current NLP system etc etc. Making decisions is much easier for a small startup than a behemoth of twitters size. And yes, it takes many people. 1000 engineers? Maybe not, bloat has set in at that point, but a few hundred for sure.
>Twitter was a unique spot where journalists....

It's telling that "journalists" was put first. I've heard many times that Twitter is "useful" to journalists, who I assume feel like they have their finger on the world's pulse. It might explain why so many news stories include random opinions from unknown Twitter users, and why they are so out of touch with (at least my) reality.
That's putting them in $$ terms, not requirements for housing. A few high-incomers don't need that many houses.
HBO cancels ‘Westworld’ in shock decision
That happend over 9000 times. Fun fact: Some are print server appliances, no patches or updates for some of those available as they are EOL - but still in use...
What is the point of 70000 educational channels for an individual?
Who said "idiot?" I said "not a genius." There are gradations in-between.
By Trump they directly "fact" checked the tweets.