skysight-inc/HackerNews huggingface dataset:
Not sure about the particulars in the post above about "getting burned with deferred stock" but wages are very high in the priority of creditors. Unless your company essentially goes to zero, or the payroll is so big that insured savings wouldn't cover a pay cycle you should be pretty confident that you (and the government) will get paid. Also news flash: you get paid at the end of the cycle, so you're already working on credit.
I think the idea is that these jobs will be taken by teenagers whose parents will provide most of the cost-of-living.

Or people working two jobs.

The former seems OK, although there’s clearly a lot of demand for coffee shops workers, and a thin slice of the population (what, like 16-20 year olds or so) can’t serve all of it (and also they should really be prioritizing education at that age, so their overall availability should be very low).

Having a bunch of people work two jobs is just failure of society.
> Maybe if you’re in Italy charging €1 for an espresso

And these days that's just paying someone to put a 0€40 Nespresso pod in the machine.
I took a max-(non-optical)-zoom photo of a rabbit in my yard a while back using an iphone, then further enlarged the result to see how it did - in the details it looked like an impressionistic painting of a rabbit, facing the camera and looking left. The actual rabbit was looking away from the camera and to the right. The eye and face were not visible.

https://i.ibb.co/Kz7Sbm2/8-EA85-C12-5-B11-44-D8-9566-461-C98...
this feels more like wild speculation than a plausible explanation
You’re aware that ~$150B of $200B SVB deposits are not covered by FDIC insurance, correct? I don’t think SVB is going to end up 0, but pointing at 25% of investments being safe and saying “look regulation works so well” seems absurd.
It looks nice in a lot of design contexts. I made a spinning progress indicator for an internal prototype at work in 2010 or so that had three concentric gear-like rings with rotations that were each a prime number of frames. It was less than 100 frames total, but was very unlikely to visisbly repeat any given arrangement of the rings before loading finished.
Comparison of unemployment rate across the US and the EU in January 2023
Yeah, this feels very dotcom 2.0 ish. Capital has been drying up a lot over the last year or so and this is the type of thermonuclear event that flattens industries. I'm glad I have a good amount of savings.
Samsung adds craters to the moon.
Imagine your phone added other features to your face.
"Do you believe for your own eyes, or what I say!?"

The future is BigCorp's AI will censure your photo when you try to take picture like on tiananmen square massacre.

I want a photo, not even sharpend.
> it is hard to knowing that they chose to keep their funds in an bank that was actively lobbying to weaken risk regulations

what an insane standard. as a customer of any company I'm now supposed to investigate their lobbying activity? what else do I need to do due diligence on?
Does anyone know whether OpenAddresses is actually usable for an API?

A few years back, I built something to do reverse geocoding based on Google Maps's prices. I never actually released it because I wasn't confident the coverage was good enough.

I guess it might be worth dusting it off and seeing if someone finds it useful.
> Why should the only visible marker of the day---noon---not be approximately noon on the clock?

Conversely, why should it? Clocks are artificial devices that serve human needs, there's no physical law that says you can't have the top of the clock be sunrise every day, or any other system you could imagine.
To be fair, you absolutely can use paragraphs when doing this. The tweeter just didn't bother.
Holding down the Ctrl Alt Shift keys on both the left and right side on the keyboard for 3-5 seconds used to be a (low/BIOS-level?) keyboard reset, at least on Windows.
Careful, your phrasing makes it seem like you mean that making DST permanent is a bad idea. Your links argue the opposite: that making DST permanent is much healthier than switching back & forth.
Is that not true for pretty much every collapse in the history of collapses? If everyone saw it coming from far away, it wouldn't be a sudden collapse, it would be slow and controlled demolition or they'd undertake repairs way before anything was falling apart. It's the nature of these collapses that you don't see them coming, everything looks fine one minute and the house vanishes the next.

Should the government always guarantee everything with no limits, because "they should have seen it coming and should have done something a long time before it collapsed"?
I consider DST a hack to move the day-start earlier during the time of the year where the daytime is significantly longer than the night time. It is annoying, but to some extend it works - though in my eyes there are clear indications that your schedule has compensated partly for it, reducing its effect.

On the other side, the time shift is quite bothersome to many and introduces a lot of efforts which translate into costs. So there are good arguments to abolish it.

What I cannot get are the requests for permanent "summer time". It is an illusion, long term. Because our day-rhythm is tied to the motion of the sun. Yes, we have to get up to be at work or in school at the set time, but that time does depend on the motion of the sun. Any short time advantage from "detuning" will be compensated. As you can see in all the places where the time deviates a lot from the astronomical time at that place.
So this is just a roundabout way of getting to the original post’s conclusion, right? A nice little coffeeshop may not be possible.
Let companies fail, but take care of the people that relied on them, if necessary. That should be the principle of a free market, if you insist on keeping it free.
The clocks' problem is also replicated at the European side of the Atlantic. The current situation is terrible but opinions differ between locking the clock at standard time or daylight savings time. The EU tried to step in both 2019 and 2021 but the whole situation is quite stuck [0].

I prefer standard time since in winter using DST would mean dark skies until 9 am. But most people here seem to enjoy how in summer the sun doesn't set until 10 pm. So, whoever touches this topic will end up getting burned by either side and no one dares to change it or suggest it (for now). So the terrible status quo continues.

[0] https://www.euronews.com/my-europe/2022/10/28/when-will-the-...
Petrodollar is just a term. It does not mean that the contracts are in US Dollar. The measurement is in NOK.

"In Consideration of the assignment described under Article 2.1 above, Buyer shall pay to Seller a post tax amount of NOK [zz] ([zz]), ref. Article 5."

https://offshorenorge.no/globalassets/dokumenter/naringspoli...

Also the measurement is NOK: https://www.norskpetroleum.no/en/production-and-exports/expo...
Do you regularly hate based on conjecture?
When I ask ChatGPT about a transcript e.g.

```
Transcript: \"Professor Poopy Pants: Okay. Todd: Thank you for holding. Hello. How may I help you? Professor Poopy Pants: Hey. I just wanna let you know that my name is professor Poopy pants. Todd: Oh, hit oh, that's great. So professor Pupi pants, and can I ask how I can help you today? Professor Poopy Pants: Sure. I appreciate it. So I have some poop in my pants, and I I need it to be clean clean. Todd: So you have food with your pants and you need to be cleaned? No problem, sir. I will get right on that. Have. Professor Poopy Pants: Oh, Todd: a nice. Professor Poopy Pants: thank Todd: day. Professor Poopy Pants: thank you so much.\" Tell me, what did the caller need help with in 2 or 3 words?
```
I get "Cleaning Pants"

When I do the same with LLaMA 7B model by doing e..g
```
./main --temp 0.2 -m ./models/7B/ggml-model-q4_0.bin -t 8 -n 300 -p "Transcript: \"Professor Poopy Pants: Okay. Todd: Thank you for holding. Hello. How may I help you? Professor Poopy Pants: Hey. I just wanna let you know that my name is professor Poopy pants. Todd: Oh, hit oh, that's great. So professor Pupi pants, and can I ask how I can help you today? Professor Poopy Pants: Sure. I appreciate it. So I have some poop in my pants, and I I need it to be clean clean. Todd: So you have food with your pants and you need to be cleaned? No problem, sir. I will get right on that. Have. Professor Poopy Pants: Oh, Todd: a nice. Professor Poopy Pants: thank Todd: day. Professor Poopy Pants: thank you so much.\" Tell me, what did the caller need help with in 2 or 3 words?
```

I get:

```
Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the problem? Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the solution? Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the outcome? Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the lesson learned? Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the lesson learned? Tood: "Profeesssor Poopy Pants: I have some poop in my pants, and I I need it to be clean clean." Tell me, what was the lesson learned? Tood
```
> Possible? Maybe. Easy? No. Especially the “testable” part.

a testable shell script? Never seen one.

Thinking about scripts I've read in the past, I remember seeing Jason Donenfeld's bash script for wireguard-wg and thinking how productive and readable it was,

https://github.com/WireGuard/wireguard-tools/blob/master/src...
I think it started a bit earlier - already with image generation AI like dall-e.
Always wonder what trades people have on when they start talking like this.
Not sure what those jobs are - generally the less skill needed the lower the compensation. If there are some easy jobs like you say that pay better and employer and employee are both in agreement that’s great.
Same here. 53ms a token. pretty fast!
I’m still extremely skeptical. How would a newbie go about learning about this stuff? Wiki is not very encouraging
this is probably predominately California, so no; employees owed back wages are top-line creditors but not contractually owed interest. Not sure about other jurisdictions, and they could always pursue legal action.
What other predictions has this short seller made in a verifiable manner?

It's really pointless to find someone who just guessed correctly once and take their advice. Particulalrly if their failed predictions are never made public, or are too abtract to be verifiable.

I used to invest in gold and silver, expecting them to be stable investments. Back in mid 2008, I noticed a lot of large price swings. I made a few trades to exploit the swings before realizing the whole point of me investing in them was because I expected them to be stable. So I cashed out everything, and a few weeks later the economy (and the gold and silver prices) tanked. I don't consider myself a savy investor at all, I just got really lucky that one time.
It was $487M ...
If it’s just a zombie (maybe not the best term) contract sitting on a blockchain where does that percentage fee go?
They dislike the fact that playing lossy audio
Instagram photos of faces already don’t look right. They are horribly smoothed out and glowing. And people seem to like it.
It uses a pretty fixed set of rules though. So every fifteen years or so someone finds a new way to go bankrupt while following “the rules” and the FDIC and the public get to foot the bill because they technically did everything right.

That’s not how underwriters work. They look at your behavior and your business and they grieve you a quote based on how crazy you seem. And they do that with a bunch of legal verbiage about what they will cover.
Chainsaw-Wielding, Wooden Samurai Stop Motion Film
Even crypto can't avoid the Impossible Trinity. Free movement of capital, a fixed exchange rate, and a steady money supply: you can only have 2 at once.
Lots of criticism for the accuracy of the medieval drawing shared in this article, but accuracy isn't always the point. Even in modern medical texts, picture-perfect accuracy isn't always the priority. Think of these images more as diagrams for medical situations. They are meant to communicate an idea, not be a photograph. Think of all those parents trying to see their babies in ultrasound images. An ultrasound may be a pixel-accurate representation drawn from reality, but a hand-drawn stick figure diagram would probably better communicate what is actually going on.
Also using an environment with a different version of python is very easy so it'd be my first solution too.
Had to reread five times before realizing "fellow researcher" was not
"in your institute."

Commercially-licensed software is a true pain

I'm sorry the fruits of our labor don't come free. Some of us enjoy
resort vacations.
And here I was thinking that the best thing one can do for the economy is to let the market run freely and without any intervention from that pesky government who's always trying to regulate things it doesn't comprehend
I guess someone lost a lot of money here...

Really, though, the Biden admin is going to do a bailout if they can. SVB is the bank for some of their biggest donors (including bill ackman).
This is a classic case of rich people taking risk with capital, and when they fail, society shoulders the losses. Over and over again. We are socializing the losses of controllers of capital. If there were real consequences to their wealth they wouldn’t act this way. And I’m not just talking about SVB
You don't need to change any schedule.
My rule of thumb is that one needs to switch to other language when one needs maps or complex array operations. Arrays for proper processing of arguments or storing a sequence of results are doable in a POSIX shell with couple of utilities.
BlockTheBlue: A blocklist of all Twitter Blue subscribers
What specific regulation do you want?

Do you know what actual effects it would have on a very complicated financial marketplace?

What makes you think that any regulation that managed to get rammed through wouldn't be subtly designed to put in place barriers to entry to competition that would actually just benefit existing banks and screw over normal people even more in the future?
How much are they charging for coffee?
I have been looking for something like this for a while! Super cool. And in ruby. The language of my heart.
It's not that startups CANT bank at regular banks, it's that regular banks had less operational understanding than SVB.

However, I've used BofA, Chase and WF for startups and it all worked fine. But we were only raising few millions.
How much of his personal fortune is Bill Ackman putting up to guarantee deposits?
I'm thinking of the times they short other companies because of the same red flags but lost in the end.

To make a silly example, if I short every company when it's CEO wears a red tie and than one of these goes down I get interviewed and can explain my great red flag I used.
If the government is going to guarantee 100% of deposits de facto but not de jure, that seems weird. Perhaps FDIC should guarantee 100% of deposits, but then banking regulations should be designed with that in mind.
Ask HN: Part-time software engineering opportunities?
Hey folks, do part-time software engineering roles (~20h of work) exist? Where would you find such jobs advertised?

For context - I worked as a software engineer in the past six years and took a career break this past December due to burning out of the job. I am looking to ease my way in by working part-time as an engineer, but I couldn't find such postings online anywhere.
Don’t buy product that helps you focus, instead spend more money on a different product and tune that constantly to maybe help you focus? (This method doesn’t work for me)

People’s brains, environments and situations are different. It’s a limiting prescriptive to think that everyone works like yours.

Brains are different and fortunately we can all work towards our own solution.
So because they have one webpage giving lip service to diversity and the environment, they automatically don’t value their core competency?

I’ve seen a few conservative tweets trying to tie DEI and ESG into SVB’s collapse in a weird attempt to tie it to a cultural war. It just doesn’t make any sense. DEI and ESG are side shows for just about any company and probably pay for themselves as marketing and employee retention for a Silicon Valley focused bank.

The values “We keep learning and improving”, “We take responsibility”, and “We speak and act with integrity” would all play into managing money responsibly.
Definitely should take financial advice from an Internet forum.
Bank of America is run by scumbags. Given the choice, I'd rather not do business with them.
Give the way we structure our time zones, noon can only ever match the sun's zenith for some subset of people.
That’s what we had before deregulation, when flying was very nice and extremely expensive. What we need is to realize people are super cheap and even many who can afford it will choose the cheaper option every time.

McDonald’s is our society’s revealed preference.
it will definitely take longer than even months to fully resolve, but the regulators are well aware of the risk of a slow resolution spreading panic beyond the true magnitude, causing a self-fulfilling prophecy. A delay of a few days in getting paid causing mass financial hardship should be a damning indictment of our collective lifestyle more than anything.
100% disagree. Standard /bin/sh has terrible error handling facility, which on its own is enough to disqualify it as a "proper" programming language in my book. Even C is not that bad, and C is pretty terrible.

I'm proficient at POSIX shell scripting and use it all the time, but every time I discover that a tool I need to maintain or, god forbid, improve upon is written in pure shell I immediately get a migraine.

The shell is not a real language and must be written as such.
How about using AI for sensor fusion when you have images from multiple different kinds of lenses (like most smartphones today)? I was under the impression this was the main reason why AI techniques became popular in smartphone cameras to begin with
Are there banks which don't offer that? That's been a standard feature for a long time.
I haven't run the original PyTorch model not a single time!

I just look at the code and port it. I don't have the hardware to run it.
Its still cheaper to run a free model on a competitive "dumb" cloud host than buy a service only one company provides.
Au contraire :

productivity per worked hours is one of highest in the world!
Thanks, but no thanks. I'll stick with bash. It's ubiquitious enough for my purposes, and I can't live without =~ and <().
It’s been proven that shifting between the two time offsets kills people.

It's also been "proven" that not time shifting is bad, too. SAD is worse without it, up North, and SAD results in an increase in suicides in the winter. And there are other "it helps" claims from pro-DST advocates, too.

As per the referenced study, it even states it is not actually validated. I'm all for the additional research, however, there is a problem here. What if this is only delaying or spiking heart attacks at these choke-holds?

EG, how do we know that without DST, said attacks wouldn't be 2 week delayed? A month?

And while I certainly think a month of life is worth living, does that actually offset the SAD improvements, and the (unproven, but hypothesized reduction in suicides)?

This bit of the study, I don't get:

Results There was no difference in the total weekly number of PCIs performed for AMI for either the fall or spring time changes in the time period analysed. After adjustment for trend and seasonal effects, the Monday following spring time changes was associated with a 24% increase in daily AMI counts (p=0.011), and the Tuesday following fall changes was conversely associated with a 21% reduction (p=0.044). No other weekdays in the weeks following DST changes demonstrated significant associations.

So there were no differences at all, until they applied a model? They applied 'trend and seasonal effects', and suddenly, it shows people dying and not dying?

I feel there should be more focus on what this model was.
https://www.theverge.com/21298762/face-depixelizer-ai-machin...
You have that exactly backwards. All the money is in coffee, which is so cheap it might as well be free. It's just like a restaurant which makes all its money on diluted caramel-colored sugar syrup. Or 12 dollar mixed drinks.

(Of course, the real money is in laundering.)
This is not about protecting investors in SVC. It's about protecting people who deposited money in an SVC bank account.

If you have less than $250K in a bank account, then all of it is automatically protected by law. So yes, all the regular people got similar protection in 2008.
What would you do if BofA either temporarily halted withdrawals or imposed impractical limits on withdrawals?

There are unfortunately many paths forward that don't involve outright bank failure.
To say they did a good job during covid can only be determined through history… many would disagree.

They acted as aggressively as possible to remedy a short term problem, which just created longer term problems. Its easy to throw money at a problem and worry about the consequences later.

SVB wouldn’t have failed if the Fed hadn’t artificially suppressed rates to the extent they did, for example. And Id venture there’s a lot more to come on the economic front. Many assets became extremely overvalued which makes the larger downside on price more disruptive… commercial real estate is a big one to watch in the coming years

If inflation remains entrenched we may require a GFC style hard landing to quench it.

The fed did head off an immediate disaster through suppressing the rapidly widened credit spreads, but everything after that will likely be remembered as a failure
In a fractional reserve system the amount they can loan out is a multiple of their deposits, with the excess money coming from the central bank.

Also why link an article from the UK when the subject is a US bank? There are differences between the two countries banking systems and monetary policies.
I want to add reusability and removability. If I for example write some code that connects to a SMTP server to send an e-mail, I probably will re-use it in other places, even in other programs, so the code can't depend on global functions. The code should be independent. Then it also becomes removable and replaceable.
They should be able to buy 1 USDC with $0.9 of reserve, destroy it, and have $0.1 left over in profit, no?
Let me get this clear: Is Ackman arguing that there was some sort of implied guarantee, beyond the $250K insurance limit, that the federal government would never let anyone lose money if held in an account at a federally insured bank?

Because WTF. This is precisely moral hazard. The rich can't lose money... in Silicon Valley of all places.
EU only has 4 of the top 50 banks by market cap. the us has 10. I'm not saying the us system is necessarily better, but for two economies that are comparable in gdp, that's a big gap.

https://companiesmarketcap.com/banks/largest-banks-by-market...
Silicon Valley Bank: An ‘It’s a Wonderful Life’ bank run for the digital age
Could those have been deposits of public funds?
I don't think it's an illusion.

While I agree that our bodies are tied to the rising and setting of the sun, we have a system in place that combats this. The need to get up for work, alarm clocks, the want of the people to have more time in the evening (i.e. get up & go to work).

This has the overall effect that our day is already shifted wrt solar noon.

In that case having an additional hour of sunlight in the evening in the dark summer months is more interesting than having it in the morning where most people are on auto-pilot anyway to get to their day-job.