skysight-inc/HackerNews huggingface dataset:
That banks extended bad loans under pressure from the government suggests they did so at a loss; otherwise, they would have done it anyway in search of profit. Moreover, Sowell makes bold claims and offers little evidence beyond references to redlining, while the evidence that banks were engaged in unethical and fraudulent practices are backed up by cold-hard data and an abundance of testimony from people within the industry. Sowell's essay is revisionism.
1. The point of bankruptcy is liquidating assets to pay debts. Whatever is left after that is distributed to the shareholders.

2. Money does pay "dividend" - it's called "interest".
For a long time, I've been considering a different solution to the problem, which is to create a human-curated whitelist-only search engine.

I do think your idea is great and something with a lot of value for many use cases.

The only issue is that it won't surface certain things like restaurant contact info and Wikipedia that people often need to be a top result.
https://archive.ph/HvuOe
I see crypto as the embodiment of unchecked greed. The massive amounts of energy it destroys is such a major middle finger to everyone. The current financial system wasn't bad enough. They had to take the brakes off.
It's not hedonic adaptation. Work has a tendency has a tendency to extract as much as it can until it kills and corrupts it the entire way there.
I guess he mostly means as a way to get around currency controls. Obviously if the government comes with the police you can be confiscated

But for example, Argentina has incredibly harsh currency controls, any freelancer or company that tries to export goods or services gets paid half the value per dollar and is forced to sell their dollars to the government

While companies can't really avoid it, most freelancers go around the control by using crypto and so can get the full value of their work
Why even make shotgun arguments?

2.a. Gold is an asset and doesn't need to pay dividends as it has intrinsic market value.

2.b. Loans and interest are contractual agreements, i.e. financial instruments unto themselves that generate value. Just because you get suckered into agreeing to a hobby money loan doesn't mean the hobby money has any value.

2.c. Variable cost doesn't equal value either. You can burn a stack of $100 bills but that doesn't mean that brief fire has any value, but it sure as shit didn't help the planet either.
> Admit that you either no longer know how to steer the ship

This makes the assumption that the current path was the only, and best, path, and that the CEO doesn't see a better path in the distance, or some danger immediately ahead.

Most of the big tech companies were made by people who ignored the crowds yelling at them to keep going straight. And, many of the failed behemoths of today did just that.
Yeah, FAANG stock imploding has been on headlines for months now.

Why wouldn't BTC get the same treatment? OP must be a bag holder.
> DOOMy

This popped to mind, an unrelated but appropriate song:

https://www.youtube.com/watch?v=VOJcY3iMZG8
When to point out a person's username 101: You have nothing useful to say.
The irony is that many declarative systems have very poor support for symbols, templates, and code reusability in general, so declarative configurations carry more boilerplate than imperative configurations.
As someone that had to charge their EV by running an extension lead out of their first floor flat window, this is a compelling offer.

In the UK there's a large number of people that do not have dedicated parking (24.6%, or 6,642,000, of UK households [1]) making it more difficult to charge at home and benefit from reduced electricity prices through smart charging. If the cost of an EV with solar panels is comparable to other EVs this would help alleviate some of the issues faced by this set of drivers.

1: https://www.field-dynamics.co.uk/25-drivers-no-off-street-pa...
>It's incredibly refreshing to know that the company providing my search results has an incentive to make things better for _me_ and not a legion of advertisers

Cable television and netflix have made it quite clear that payment does not mean “no ads”, it just means “no ads, yet”.

It still might be a better alternative in the short term, but the moment growth starts to peak, companies follow where the incentives lead them.
https://en.wikipedia.org/wiki/Flooz.com

"In 2001, Flooz.com was notified by the Federal Bureau of Investigation that a Russian-Filipino organized crime syndicate used $300,000 worth of Flooz and stolen credit card numbers as part of a money-laundering scheme, in which stolen credit cards were used to purchase currency and then redeemed.[2][3] Levitan has stated that fraudulent purchases accounted for 19% of consumer credit card transactions by mid-2001."
I talked to a banker at the time (from BoA I think) and he said these things came about by the banks re-arranging the structure again and again, running it through the risk and credit rating algorithms and then tweaking and retrying until they got something with a good rating. So essentially that's like finding exploits in the other parties risk calculation algorithms or credit rating algorithms until you find some hack that labels crap as gold. So I think of it as hacking basically. The banks figured out how to hack Moody's algorithms, as it were.

Don't forget through all of that madness Moody's was rating utter crap as AAA

https://en.m.wikipedia.org/wiki/Credit_rating_agencies_and_t...
I’ve always considered it a non gendered term of endearment. As a reference to how children would dress up as Guy Fawkes at parades in the UK.
Lack of a meaningful consensus network would be pretty similar, in the sense that someone holding that currency wouldn't be able to get anything in exchange for it.

Well, it'd likely be worse than bankruptcy, because there wouldn't be any assets to go after in court.
The world is full of market failures but yeah, they approximate each other.
> At the heart of crypto is the desire for decentralized banking infrastructure and currency, which has non-zero cost to operate and thus requires some degree of compensation for operating the network or protocol.

But where's the value being delivered by that "decentralized banking infrastructure and currency"? Actual usefulness of crypto for genuinely decentralised (i.e. L1) transactions has been going down not up (fees are higher than ever, fewer and fewer stores allow direct payment with cryptocurrency...).
And even if we could, safety isn't a concern for fusion power plants.
There is a legal distinction between firing and layoffs. Firing is done for cause, while layoffs are to reduce costs. The rights of the workers are different in those cases depending on local laws.

I'm not a lawyer, but I believe there would be no legal ramifications for firing someone this way unless it were used in a lawsuit to show that the company acted maliciously.
Agreed. That's why the fraudster's should be tried
Using the bank records as evidence.

When someone opens an account in one's name, that's fraud on the bank, and the bank needs to pay for it until squeezing it from the scammer.
When someone convinces one to send them money under false pretenses, that's on one and one needs to pay for it until squeezing it from the scammer.
> CME futures. Go for it.

Makes me wonder who wants to hedge bitcoins?
Here are the results for that query on Kagi if you want to compare:

https://kagi.com/search?q=postgres+cte&r=us&sh=5-n8GUySt5qmx...
https://news.ycombinator.com/item?id=33538838
Art is another example. Art is just old school NFTs. Sure you could get the utility of the image for free, but the real value is in the artificial scarcity.
They are trying to get power over you. Best to just shrug and ignore, making as little of it as possible. Trolls grow in power the more you feed them - so take it the same as it someone posts a troll comment in reply to a forum post. Just ignore
In what way could/should we examine Biden's foreign ties that we haven't already?
That doesn't work unless the server sends all 1 million results (say) to the client up-front. Otherwise, if you prefer results from example.com but the server only sends example.com results on page 3, your client has no way of showing you those results on page 1.
Making the subprime loans in the first place doesn't necessitate packing them into opaque financial instruments and going bananas with the wildly over-leveraged profit-seeking.

Financial firms has been making tons of money during decades of increasing wealth inequality. Sure, let's talk about these congressional acts, but not going to put a lot of blame on relatively small programs that required these firms to throw back some scraps.
No love for devices stuck on ios 15? Yes, it's technically out of support, but less than two weeks ago apple released 15.7.1 which is a security patch.
Not really the worst strategy. You can totally see where he was coming from. He just vastly overestimated how far VR could go in even 10 years of heavy investment, if ever. No amount of heavy investment, even for 10+ years, is going to make AR or VR as ubiquitous as mobile.

You would need a headset so small and light it's not too far off from a pair of sunglasses. It needs a battery that runs all day. It needs to not get hot and burn someone's face. It needs to be fast and responsive in terms of both local processing and network data transmission. It needs to be inexpensive enough that everyone on Earth who currently has a smartphone can afford one. And, he is correct, it needs to have apps so compelling that people find hard to participate in society without one.

It's not even a guaranteed thing that such a device is even possible. Even if it is, no way would it be ready for 2025, maybe not even 2035.
Something tells me there might be a confounding factor here...
You're suggesting that the DNS server(s) get realtime load feedback and adjust appropriately. That's possible, but not always available.
Maybe bookkeeped under "litigation".
EEVblog has an informative video on this topic [1] looking at the 'Lightyear Zero' solar car (not the Sion Sono Motors this article is about)

The presenter is in Sydney, he's got a large roof-mounted solar array - 8kw peak output, and about 8x the area of the cells on the car. And he still struggles to cover a 25-30km daily commute with solar, achieving it only 80-90% of the time.

And good luck parking your car somewhere that gets more sun than a rooftop installation in Sydney :)

However, the Sion's $25,000 price tag is a lot better than the Lightyear Zero's $250,000 price, so they've got that going for them.

[1] https://www.youtube.com/watch?v=xIokNnjuam8
>Could LineageOS flip a switchand turn it into a free for all? That would be fun and interesting. Not that RCS is a remotely good messaging protocol.

IIUC, the RCS API is not part of AOSP[0], and as such, not part of LineageOS. As such, I believe the answer is "no."

[0] https://source.android.com/
> Does any body uses Redux these days?

New projects, hopefully not, but there are untold millions of lines of existing code out there that use Redux, in code bases that will continue to grow their usage of redux.
You can't compare the good faith web from 1996, which consisted of a bunch of nerds blogging, to today's web. Everything of any importance in our society moved online, and much of it needs monetization. And since on average users won't pay a cent for anything, ads it is. We very much have a role in this outcome ourselves.

Even in a hypothetical situation where ads would no longer be the driving force of algorithms, something else will. As soon as something gets large enough, it will be gamed. If not for commercial reasons, it might be cultural/political influence.

I will end by reminding ourselves that us techies should spend some more time with ordinary folks. I agree with everybody here that Google Search has been getting worse and worse for years now, especially for our niche searches.

It's a mistake though to think that this is widely experienced as such. My mum looks up an unknown ingredient in a recipe and within a second sees a picture of it. That means it works. All kinds of personal data might be shared in the process but since you can't really see that, it didn't happen. From her point of view, Google Search works extremely well and is close to magic.

The point being, Google doesn't give a shit that you don't get the best answer for your query on JavaScript closures. Nobody searches for that, and those that do, block ads.
I've used Kagi as my primary search engine since they went live and I've been extremely pleased so far. Funnily enough, I only use !g now when I want to get Google Shopping results (for price comparison) or look at product reviews.
It's a great time to buy mining hardware and invest into renewables so you can mine like crazy during next ride up in 2024-2025.
cool it with the undemocratic remarks
I think the point of that saying is that when you get fooled a second time you have nobody to blame but yourself
Your zinger is presuming OP is a straight male?

I don't think anyone is arguing that "guys" would be accepted usage to refer to a group that's entirely female gendered, only that it's acceptable for addressing mixed company. A bisexual person may well think that way about their sexual history in toto -- or they may find distinguishing genders is useful in this context.
Exchanges should not collapse if all they do is collect commissions from people trading. They collapse when they issue their own tokens and borrow hard assets against those very soft tokens.
Yeah I think we just have to recognize that complexity exists in the world around us. I think a lot of problems we face today are directly related to this issue. We're sold simple solutions which fall short. Our brains weren't designed to think in complicated manners and we want simplicity. But as a species we need to move beyond this. After all, one of the unique qualities of humans is being able to override our instinctual behavior (easier said than done).
>You don't need it if you're short, because you get your payout immediately when you go short

I don't know of any exchange that would let you withdraw premium before the short position was closed/expired. If you thought that happened once before, it's only because you are using margin collateralized with other assets on that exchange.
Making Teamwork an Objective Discipline – Sid Sijbrandij CEO of Gitlab
Thanks for that resource; I've followed other "recommended" guides before and have a drawer full of mediatek and atheros based dongles that don't work reliably for me. Strangely enough my best experience (the b/g/n mentioned in my first comment) uses a realtek driver that is (or at least was at the time) out-of-tree, and it's made by TP-LINK which is generally recommended against because there is little correlation between part-numbers and chipsets used...
Some extensions I made to make YouTube more usable
I made a few small singular purpose extensions to improve my Youtube experience over the years and now they live together on a website.

I think they make my life much better so here I am.
You left out the difference in market cap.

> In 2011 it crashed 94% ($35 -> $2)

In 2011 Bitcoin's market cap was 23.6 million

> In 2022 it crashed 76% ($66,938 -> $15,853) - so far..

In 2022 Bitcoin's starting market cap was $891B.

In this context, I understand "scary" to mean "destructive economic impact", and from that perspective a 76% crash is very scary.
Press (X) to “invest” in Shitcoin(tm).
You can use the fonts inside a terminal:

- C64
https://style64.org/c64-truetype

- MSX
http://www.ateijelo.com/blog/2016/09/13/making-an-msx-font

- Cool Retro Term
https://github.com/Swordfish90/cool-retro-term
Levine on SBF back in April:

> I think of myself as like a fairly cynical person. And that was so much more cynical than how I would've described farming. You're just like, well, I'm in the Ponzi business and it's pretty good.

I suppose he was right ;)

https://www.bloomberg.com/news/articles/2022-04-25/sam-bankm...
Amazon had a phone once too. Not sure doubling down on a phone is the right choice either.
I consider myself a good Java programmer and I would never figure something like this out on my own. I'm ok with this fact.
Alexythimia
On-chain financial stuff is just more speculation, and the vast majority of the gaming/art/collectible/advertising/content use cases are just stapling crypto onto something where it brings no benefit and often actually makes it worse.

There's a tiny sliver of cases where crypto brings real value by enabling something that you couldn't do without it (e.g. cryptokitties was genuinely novel and interesting). But it's just such a vanishingly small proportion of the ecosystem.
I would expect the government happily reduces the count limit to 70 in response
Non binding LOIs get that name for a reason
Crypto could easily go to zero if everyone agreed that is what it is worth.

I mean, FTT just went from $25 to something in the $2 range since the whole FTX thing blew up. And it will probably hit zero soon -- I have no idea why anyone still wants it.
This question reminds me of the old argumemt about calling the monster Frankenstein.
Recommend reading "Man's Search for Meaning" by Viktor Frankl.

Kurosawa film, "Ikiru" is worth a watch too

Otherwise I believe finding purpose is a deeply personal journey for every single person on the planet. Good luck!
Bitcoin is not above criticism nor are the companies you mentioned (all of which have been criticized for various reasons on this platform).
Most search engines suck because people find it too hard to do the work of tuning the parameters. There is a methodology to do that

https://trec.nist.gov/

but it takes a huge amount of training/test data to do it and takes a lot of computational work after you've got that data. What TREC revealed is that most of the things that would obviously improve search relevance don't, and it took 5 whole years of 20 teams working on it before a useful discovery was made.

There was an article about TikTok that revealed just how wrongheaded the viewpoint of the current web is. As much as Google fetishizes data, the data collected by sites like YouTube is useless because they offer you too many things to click on so you click around like a chicken with its head cut off. There are maybe 5 things that you like out of 20 that they show you, but which one you click on is random so the signal is mostly noise and worst of all they can't come to the conclusion that you didn't like any of the other 19 things they showed you.

TikTok shows you exactly one thing at a time so the opinion that they capture is meaningful.

It reminds me of one of the first "learning to rank" papers where I talked the management at the CU Library to let the Thorsten Joachims group run our search engine and we realized just how poor of a signal you get from search engine usage and how challenging it is to feed it back to improve your results.

Really marking up judgements for all the results that turn up and using "pooling" to add new results to the original set when your search engine is essential to make really better search. Otherwise you can be just another one of those guys who posts to Medium about the "semantic search" engine he built but can't tell you if the results are any better than any other search engine.
> which means you need a sufficiently large financial cushion.

Absolutely. But this happens wih pay-per-project also, which is why on-demand contract work is much more expensive than salaried.

> no real leverage

You can always look for a new job/client, even while working for the present one. A counteroffer is quite convincing.
I've used crypto for the property of fast irreversible online transactions. You can buy bullion cheaper than with say a card this way as there is no risk of the transaction being reversed and the merchant is able to pass the savings from reduced risk to the consumer. It also clears much faster than most ACH or wire transfers.

If you are involved in buying legal items online where the merchant has to deal with a lot of claw-back from the bank or card companies, they will generally give you a better deal with crypto.
I'm no fan of Zuck, but what did he do in this case but create a company that provided a lot of jobs, then made some bad forecasting decisions that resulted in losing some of those jobs?

Plenty of CEOs have blamed the economy, the pipeline, the customers, the competition, the weather, etc. He's accepting he made some decisions that over-extended the company and as a result they have to make difficult layoffs. (Which has happened at every company I've been a part of and is happening at many other companies just in the past week.)
I like this passage from "Demian" by Herman Hesse:

And at this point I felt the truth burning within me
like a sharp flame, that there was some role for
everybody but it was not one which he himself could choose,
re-cast and regulate to his own liking. One had no right
to want new gods, no right at all to want to give the
world anything of that sort! There was but one duty
for a grown man; it was to seek the way to himself, to
become resolute within, to grope his way forward wherever
that might lead him. The discovery shook me profoundly;
it was the fruit of this experience. I had often
toyed with pictures of the future, dreamed of roles which
might be assigned to me --- as a poet, maybe, or prophet
or painter or kindred vocation.

All that was futile. I was
not there to write poetry, to preach or paint; neither I
nor any other man was there for that purpose. They
were only incidental things. There was only one true
vocation for everybody - to find the way to himself.

He might end as poet, lunatic, prophet or criminal - that
was not his affair; ultimately it was of no account. His
affair was to discover his own destiny, not something of
his own choosing, and live it out wholly and resolutely
within himself.

Anything else was merely a half life, an attempt at evasion,
an escape into the ideals of the masses, complacency and fear of his inner soul. The new picture rose before me, sacred and awe-inspiring, a hundred times glimpsed, possibly often expressed and now
experienced for the first time.

I was an experiment on the part of nature, a 'throw' into the unknown, perhaps
for some new purpose, perhaps for nothing and my only
vocation was to allow this 'throw' to work itself out in
my inner most being, feel its will within me and make it
wholly mine. That or nothing!
I don't think there is much cause for worry that Kagi themselves might use the data for anything bad BUT data leaks do happen and more importantly Kagi will need to play ball with whatever government that exists in the markets they want to have users in, be it the USA but also China, Russia or whatever.

We already know that Google is in fact cooperating with these entities. Not only by giving out user data but also by actively censoring certain things. So there is a precedent.
There are many possible responses, it depends what your goal is. If you just care about making your audience comfortable, you can say "my bad, folks" and then move on and forget about it forever. If you want to understand what the issue could possibly be, you could approach that person afterwards and ask them why they called you out and why they don't want to be referred to as a "guy". If you only care about being right, you could argue with them on the spot.
Some how a bunch of cex's behind the doors lending ops now is defi?

Meanwhile, some how magic internet money (abracadabra.money), with people bitching about their bad debt on chain for months is still solvent, while ftx is dumpsterfire...
Though that's not really the issue here. Obviously they were worth something to the people buying and selling them.
Memory compression? I can't find any good resources to read about it, any hints? I'm having trouble imaging how could it possibly work without totally destroying performance.
I'm paying for YouTube Premium and you get YouTube Music for free + ad-free too. I've started paying because ads were annoying on my smart TV YT app and I already used YT Music.