skysight-inc/HackerNews huggingface dataset:
Bonds are risky in their own special way. If you hold 20 years bond odds are very good you will get the exact cashflow you expected.

If you need to sell in 5 years though and interest rates go up you face very predictable losses.

Interest rates dropped and dropped and dropped some more since a peak circa 1980 and people have long been saying they have nowhere to go but up. In fact many people thought they would have gone up long before they did.

There are many rumors why Bill Gross left PIMCO, then the world’s largest bond fund administrator, I think one is that it’s inevitable that the world’s largest bond fund will post the largest ever loss for investors when there is an interest rate, not because anybody did anything wrong but because bonds are just that way.

I can’t say I am enthusiastic 100% about equities but i have few bonds, all inflation protected bonds in my portfolio despite most advice that someone my age should have a lot of bonds because I think that big bust is inevitable. Stocks are hurt by rising interest rates too but bonds will really get killed.
That right now they don’t have enough cash to buy them, because the cash is locked in an SVB account.
The reason why the article is good to read and not just going to the site[1] it talks about is that it tells you why getting rid of JavaScript is sometimes just fine for your user base:

> ExRx makes its organizational logic plain. Its pages adopt the structure of unordered lists—uniform and sturdy...unlike elsewhere on the modern Internet, on ExRx you are never lost.

> the site’s plain face lends it a certain authority. In a fitness ecosystem dominated by new- and old-school flash, from personal trainers on the hard sell to influencers with soft power, exrx.net treats me like an adult. If Instagram Reels and TikTok videos are the solicitous pusher on commission, ExRx is a librarian—or, better yet, the library itself.

(Emphasis my own.)

1: https://exrx.net
Differential Impact of Early vs. Late Errors on Users’ Reliance on Algorithms
The economy collapsed during the Great Recession and middle to lower class suffered the most. I think there might be a big movement to push against another bank bailout this time around...
The article mentions that only 3.3B out of 40B of reserves were in SVB in the first place. I'm not too well-read on the SVB situation but some of those 3.3B may additionally be recovered.
On the one hand, communicating with a foreign head of state is going to get you looked at. So, obvious inference.

On the other hand if someone had specific knowledge of the surveillance, blabbing is a serious crime.
If you really want low memory consumption, you can use Graal native image https://www.graalvm.org/22.0/reference-manual/native-image/

If you want a lean, native-compilable microservice framework, there is Quarkus: https://quarkus.io/
How do they survive? Zoom out less than a mile and you can spot nearly a dozen cafe's and coffee shops in the same area.
It would be unusual for every person to get literally 60% of their balance (exactly) in perfectly liquid form. Some will have 100% (usually those with smaller balances), some will have zero %, or up to some amount (a million or so?).

The big risk is that things stay frozen while this gets figured out (weeks to months), which will have major knock on effects if people don’t have alternative sources of liquidity.

People put money in the bank because they need it liquid (generally!).

That said, your overall point is correct, and previously the way this has been handled FDIC wise is that they have another, larger bank buy them out to provide the short term liquidity while asset sales happen.
Q&A: What is human language, when did it evolve and why should we care? (2017)
now that's a different argument but one I cannot agree with more.
From a hiring perspective, I'd like to know how bifurcated the Python skills employment ecosystem is from the Matlab employment ecosystem. Is Python all the ML & dstascience folks, and Matlab is all the 'true-blue' mechanical, aerospace/automotive, & controls engineers?

All else equal, is having either software package on a resume an inadvertent signal to the hiring manager that you're only in one ecosystem / community and not the other? Strategically should a job seeker emphasize experience in one of the packages for roles in one ecosystem (while downplaying/hiding skills in the other), and the inverse for facing comparable roles in the other ecosystem?
The water technology behind Avatar: The Way of Water
I don't know how these folks are doing it: https://goo.gl/maps/tjbhowGy9nWa7hHKA
Reminds me of http://pagat.com for rules of card games.
It is unclear if any other bank could have handled it either.

It took two factors.

3x the money you manage in 2021 specifically

Have well networked clients that carry out a bank run together.
Differences between rich and poor are increasing in Norway, says report
I think it's reasonable when the employer is having trouble, but in this case it's the employer's bank, or the employer's payment processor's bank.

I would think it worth working at least Monday, then deciding how to proceed after the banks have opened.
"English constitutional law" is any English law that pertains to something you consider to be "constitution".

The term "Crown" used to mean the prosecution in criminal cases derives from the actions of Henry I and particularly Henry II, in despatching teams of royal justices around the country, to hear cases in the provinces. Previously, such cases were heard mainly in baronial courts. In that sense, these kings made the English law more uniform, and more accessible.

One of the customary requirements of kings was that they should dispense justice. One of the classes of court in the UK is Crown Courts, which hear criminal cases in front of juries (and appeals from magistrates courts). They are not controlled by The Crown, and the judges are not appointed by The Crown.

In theory, the government here governs by the grace of The Crown; everything is by grace of The Crown. In practice, it's nonsense.
NPR's ear training guide for audio producers (2017)
Yes, presumably redemptions will remain open come Monday. As far as I know Circle creates and redeems at par, they don't charge 100bps or whatever.
In California, a Race to Capture the Water Before It Escapes
truly fortunatwly to live in special times
Isn't that the whole point of jobs -- making a living?

Your assertion makes no sense to me. I feel like I'm missing something.
Twitter's new API plan costs up to $2.5M per year
Or when people are carrying out post-hypnotic suggestions. They will come up with plausible reasons for their behaviour if asked.

Scott McCloud talks about this in "Understanding Comics" as well, where he calls it "closure": the human mind hallucinates information to make the inputs it receives coherent. The neat thing IMO is that it will do this with "internal" inputs as well.
oh yes, the brain is a Turing Machine! Forgot that one too
But also please consider using Shellcheck if you do:

* https://www.shellcheck.net
> Oh, and that 500-line shell script probably ends up being a 5000-line Python monster anyway.

This is an important distinction, and probably why I still make shell scripts.

I've found utilities like `shellcheck` invaluable for making robust scripts and maintaining them.
Java projects compile 2x faster than Kotlin projects and don't hang the IDE. Kotlin is nice for small stuff but has severe issues when scaling up.

Also, Java is far, far simpler to code in compared to Kotlin. Modern Java is quite pleasant. The language advantages of Kotlin frankly aren't enough to switch. It may have been supreme in 2016, but Kotlin has lost most of its head-start now. Java has caught in both mature language features and lean libraries.

And folks do prefer simpler languages. There is a reason that Go is popular.
Same with Terra, as soon as it repegs I'll be RICH! Free money!
This is fantastic, thanks for sharing it here!

Just so you know I signed up for your newsletter, and the confirmation page was a few lines of JSON.
Living the writing life means living with failure
https://archive.ph/kbs7Z
The point is that people already accept unlifelike photos.
If, as others have stated throughout this thread, that startups typically couldn't get bank accounts at regular big banks, where would they go now?
> (so as with most issues regarding our spaces in north america, what we need to make them better is more density. :)

Then we raise the problem that this is not longer some simple, happy little shack where I get my coffee and relax. Higher density, higher volume means I wait in a potentially long line, have my personal space violated both considerately and inconsiderately by total strangers, feel the anxiety of being in a potential fire hazard area, etc. Arguably, none of this is better. I am more willing to pay a premium on the coffee than to deal with all of that.
Government should go after them for insider trading. The amounts of their sales shows it wasn’t just a divestiture plan but a rush for the exits which had to be based on the info they had as insiders. Claim all the proceeds of those sales plus fines plus some jail time. They sailed right into this iceberg (despite being able to adjust course for 12+ months at lower losses) and then took lifeboats just before impact.
Vinyl sales surpass CD for first time in 35 years: 'Remarkable resurgence'
Was dropping a grand on new Michelin AS4s and overheard the NTB managers talking in the office about paperwork - specifically TAXES. These guys know cars and wrenches and tires and batteries and oil changes. They are not bookkeepers by trade, and that used to be a reasonable job. A facility that size with the revenue overall, and others like it, might benefit from a centralized resource where bookkeepers keep the books and shop employees stay in the shop.

All this middle working class stuff cut out by the Baby Boomers just to jack up prices on college degrees to be a Secretary ahem Office Assistant or whatever, and basically business processes suffer. Taxes are necessary and their own problem. Also, reformed drug dealers make really good bookkeepers.
Nah then it would simply be fraud, as they'd be misrepresenting the service offered for the premiums.

Of course if the government required FDIC to charter most retail banks, and you had to have a bank account to say not have all your cash stolen by crooked cops by the side of the road in civil forfeiture, then It'd look a lot more like a public good supported by an indirect tax on the return on your deposit. Which isn't far from the truth.
Terrible take.

Fraud was already hard to catch, partly because it was hard to look for.

Generative AI means that the actual data for every paper needs to be scrutinized and tested in exactly the same way it always should have been but wasn’t.

This is like saying that the internet made computer security worse. No, it didn’t. It exposed all sorts of terrible practices that were never secure but which were good enough in a high trust model. Moving to low/zero trust has been good for security, and it will be good for science.

It’s just going to be a painful decade or two as past bad practices fail spectacularly rather than subtly.
Taoism, Minus the Nonsense
There are even great unit testing frameworks for testing across a variety of shells and versions. This can be integrated pretty easily into existing build tools and run the same way the other code it may (or may not) support is run.
Sure, but the context is very important: you can use Rust to control the DOM from WASM [1] and then you can use Haskell to write a load balancer [2].

[1] https://rustwasm.github.io/wasm-bindgen/examples/dom.html

[2] https://thewagner.net/blog/2019/01/30/load-balancer (off-topic: Rob Pike's Concurrency is not Parallelism https://www.youtube.com/watch?v=oV9rvDllKEg)
I feel like every field where science is lagging behind has this problem. Is this not the case? It seems to me that we know very little about how the body works, processes food, etc. Saying "Sports science" feels very different to me than saying (for example) "rigid body physics". The latter can predict the behavior of objects very precisily, the former struggles a lot and can hardly use the scientific method to begin with.
I got LLaMa 7B running on the CPU on Apple Silicon a while ago by simply removing references to CUDA in the python code and changing an unsupported half-precision float to a full, but couldn’t get the larger models running.

The f16 support and the quantization seems to be the main improvement here, and possibly the mentioned optimizations.
They also ruthlessly overwork employees with just in time scheduling. And the urban starbucks that have cafe-like atmospheres are subsidized by the suburban ones that do all or most of their business through the more-labor-efficient-but-enjoyed-by-no-one drive thru.
“Future concerns of this technology should range from a low-key disconnect from reality…”

This phrase could cast a broadening net with each year’s new tech.
> it is perfectly possible to write clean, maintainable, and testable shell scripts.

Possible? Maybe. Easy? No. Especially the “testable” part.

The vast majority of engineers do not know how to write clean shell, let alone testable shell. There’s a reason for this: it’s extremely difficult and non-obvious to do, and generally isn’t worth investing the time in learning (you can just use a different language instead: perhaps one with support for advanced features like… arrays…)

So sure, you can write your 500 line shell script and it may well end up being beautiful. But what happens in 5 years when someone who isn’t as enlightened as you has to maintain it?

(This all without mentioning the worst aspect of shell scripting: security. Good luck handling secrets without leaking them in one way or another).
Total tangent, but this is something that inrigued me in recent days, after struggling with a similar problem:

> You also need Python 3 - I used Python 3.10, after finding that 3.11 didn't work because there was no torch wheel for it yet.

Is there a solid reason for denying forwards compatability by default in this manner? I'd faaaar from an expert on the inner workings of Python, but how often does a incrementally newer version (e.g. 3.11 over 3.10) introduce changes which would break module installation or function?

I can see that in some cases, a module taking advantage of newly-introduced features would require limiting backwards compatability, but the opposite?
That is definitely not how USDC is set up. The creator takes 1 USD, and gives back 1 USDC and vice versa. In this case, some of the USD held at SVB disappeared, so Circle has less money for the USDC -> USD redemptions. There needs to be a 1:1 backing, otherwise a stable coin is just smoke and mirrors.
Silicon Valley Bank failure is impacting California’s wine industry
I think you’re simplifying things too much. The issue wasn’t that SVB couldn’t foresee higher interest rates. There were a number of other issues, almost all caused by the Fed and the federal government:

1. Covid stimulus vastly increased the amount of cash at the bank.

2. Artificially low interest rates plus the cash infusion caused inflation.

3. While inflation was beginning, the Fed somehow got it in its head that inflation was “transitory” and rate hikes weren’t needed.

4. The Fed waited too long to raise rates, so they needed to spike rates as quickly as possible once they changed their opinion on inflation.

Basically the government gave banks hundreds of billions of dollars to lend via stimulus spending, and then made those loans worthless by spiking interest rates less than a year later. Whose fault is that really?
> Male leaders tend to have daughter(s) or family in the troop thus the incentives are aligned. A single male is rarely thie troop leader.

Gay male leaders can also have son(s) or family in boy scout troups. The Boy Scouts of America stopped prohibiting gay individuals from becoming members in 2013 and stopped prohibiting gay scout leaders from holding memberships in 2015.* The majority of homosexual males are not pedophiles, just as the majority of heterosexual males are not pedophiles, so your reasoning is faulty. There is no legitimate reason to view homosexual males with any more suspicion than heterosexual males in scouting.

* https://www.aclu.org/news/lgbtq-rights/dont-clap-just-yet-bo...
Another day... Another way wayland sucks
Yeah, it does say it, maybe I just misread.
> The founder of a cafe becomes a mopper and accountant.

Rank speculation: a cafe founder spends more time in desperate attempts to get wifi working again than they do mopping.

Founders of cafes: am I correct?
Depends on the hiring manager. All you can do is make sure your CV says what you want it to say and they will infer what they will.
And again, as I said to others, the idea that F-droid is not updating itself is almost self-evidently false, the issues people have reported with not being able to update apps involve some elementary conceptual errors that are being erroneously attributed to the app that have been explained by some comments here, and lastly subjective reports from people in a comment section are not a sound basis for generalization.
Do centre have equity to backstop the reserve? I'm not 100% sure how the centre/circle/coinbase partnership works
> Fine, let's put all those evil family-run donut shops out of business.

They are not entitled to be in business and if the alternative is keeping society in a condition where people are forced to work for non-livable wages then fuck them.

Now if we had a UBI, non-livable wages become reasonable.
What an incredibly sexist comment.
That's the whole point of a peg. If your thing goes below the pegged value, use your other assets to buy until your thing reaches pegged value (and vice versa). That's what "backed" means.
It was not conservative at all! They invested short term deposits in long term bonds (MBS)
Well, when you have thousands of Matlab functions you wrote over a decade, you would rather use Octave instead of rewriting them in Python. I also suppose that Octave is slower than Matlab because OpenBLAS is inferior to MKL.
> it's like saying being a janitor for a crime syndicate is honest work.

If the crime syndicate is legal? Yeah, that's exactly what I am saying. Your hypocrisy amuses me, are you telling me you would starve and let your familu starve rather working for a legitimate company because instead of voting to make thay illegal you chose starvation? Or is your claim that because other people are not actually starving, the suffering and hardship they and theirs endure is tolerable?

People work to live.

If you're going to play the indirect moral culpability game then by simply being a voting age adult you are morally culpable for everything the US government does and everything it refuses to do (including regulate ad business lol).

And how much of your tax money went to weapons that kill someone else's innocent child continents away? So why do you pay tax? Shouldn't you be refusing to pay tax or is prison the line in the sand you won't cross?

Unlike democracies, corporations do not derive their authority from their subjects, their authority comes from their owners. Only those with the authority to make decisions are culpable for those decisions. Hitler's janitor is not responsible for the holocaust.
Movies should have won best picture at the Oscars
It is probably currently lower. It takes ~ 12 months for inflationary events to roll off the “annual inflation” stats. This is why stories like “After years of no inflation, US encounters 10% annual inflation for the third quarter in a row!” are total nonsense. Another way to write the headline is “There has not been significant deflation since the spike in inflation last year”.
shell is loose and offers a lot of power per line, so it’s pretty easy to make a spaghetti nightmare. but it’s very possible to write nice shell.

i dunno about testing it, i feel like that’s getting pretty close to the barrier of shell’s utility
MP3 was perceptually-aware lossy compression. How many people complain about it 20 years later
i didn't mean to equate advertising with a crime syndicate, just that dishonest is dishonest, and obviously there are different degrees of how bad something is.

there may be some honest and fair advertising, but a lot is deception, and maybe an ad platform isn't dishonest by itself but they are enabling deceptive advertisers.

Wouldn't you agree for example that collecting and analysing user data for purposes of displaying relevant advertisements doesn't have to be dishonest, if the users consented to it?

no, because the majority of people do not understand what they are consenting to and when they consent they have no way to verify that the data is actually used in a fair and honest way.

to elaborate:
people need to be protected from sharing personal data against their own will. say for example you share your address. and then somewhere on a public forum you indicate that i am your neighbor. suddenly you shared my address too, against my will. therefore i have an interest to stop you from sharing your address. people do not and can not understand the consequences of consenting to share their data, because the ways to abuse that data are way to complex and subtle.
I had been assuming that even if there was not a shed, there would be ample trees for the animals to take shelter when needed. Wild to me that providing shade had been neglected by the shepherd.
Good, concise memo.

Notably, none of these top mistakes are technical mistakes.

The implication seems to be that the person in the manager’s role is critical.

I mean, if they don’t even let the team know they’re bringing in another person to the team, then good luck.
Oh, no. Here we come again.

SQL is just an API.

If you don't provide this API - OK, that's your decision.

Maybe that's a correct decision for your system.

Maybe you'll decide to add this API in future.

By itself API could not be wrong or right - it could be suitable or not suitable for task.
No, 30% is the percent of yc companies who reported having money trapped in SVB that can’t make payroll.

The question you’re responding to is asking what percent used svb. That is unknown.
To be fair I think the average specialty latte at Starbucks is more like $6. $6 seems to be the going rate in the Bay Area for a latte at a local coffee shop too although I have seen some going even higher recently.
Except that USDC != Terra UST. Nor is it even remotely the same.
I would guess copyright is the reason but that is just a guess.
I seemed to have read the whole post but didn't notice anything about it, my bad.
>They got burned by being too conservative and investing in government backed securities.

Just because one is conservative, does not automatically mean one is not taking on risk.

In banking, interest rate risk is the exposure of a bank’s current or future earnings and capital to adverse changes in market rates.
If they put all their money into govt backed securities, they also took on portfolio risk.
> Smoothing people's faces, making their eyes pop, enhancing the shit out of the colours,

Our brains do far worse stuff with our memories. Not sure how relevant 'high fidelity' is to people who mostly use phones for memories
> Oh, and that 500-line shell script probably ends up being a 5000-line Python monster anyway.

The dehydrated ACME client is 2400 lines of bash/zsh:

* https://github.com/dehydrated-io/dehydrated

And its external dependencies are OpenSSL and cURL. The acme.sh shell ACME client is 8000 lines of shell:

* https://github.com/acmesh-official/acme.sh

The official Let's Encrypt client is written in Python, and the core 'executable' is much longer, and in addition it pulls in a boatload of dependencies:

* https://packages.debian.org/bullseye/python3-certbot
That means there's plenty of business to be had. It'd be much more concerning if you zoomed out and they were the only cafe for a mile.