skysight-inc/HackerNews huggingface dataset:
Related:

The 30-Year Mortgage Is an Intrinsically Toxic Product – By Byrne Hobart - https://news.ycombinator.com/item?id=32949987 - Sept 2022 (5 comments)

The 30-Year Mortgage Is an Intrinsically Toxic Product (2019) - https://news.ycombinator.com/item?id=29774075 - Jan 2022 (149 comments)

The 30-Year Mortgage Is an Intrinsically Toxic Product - https://news.ycombinator.com/item?id=18829435 - Jan 2019 (126 comments)
My stove is literally under a window that I can open completely. I thought this would make not having a hood a non issue. But the fumes often don't cooperate and opening the window just causes them to blow into me. Creating a draft that blows outside hasn't been reliably possible.

It's quite annoying. I'm not worried so much about the health aspects, but the odor of fried foods lingering in the air for hours and days. Fried salmon tastes great, but it's one of the worst offenders.

I haven't rigged up a fan inside a window yet, which would presumably fix the problem. A permanent setup would be an eyesore, a temporary solution inconvenient and rickety.
As I understand it, this would mean I cannot customize my reading experience anymore. As I could not run my own code on websites. For example, this is how I read HN:

https://twitter.com/marekgibney/status/1551483561621979136

I can't imagine reading HN and having to manually figure out which posts I have not yet seen.

I do the same for many other aspects of my browsing experience. Change the font size, colors, remove static elements. I control it all via bookmarklets. Having all that taken away would be pretty terrible.
> Except owning a house costs way more than the mortgage itself.

You must have had incredibly unlucky house purchases.
> One begins to see why all the billionaires are trying to figure out how to escape the planet

After their greed being the reason why we are here.. but good news for them, there is nowhere else to go, they will rot with us here.
This link is posted in bad faith -- in the doc's current state (https://archive.is/wJRDG#privacy), directly linking to the (empty) privacy section implies that the authors did not consider privacy at all. But clearly that's not true, given that the authors wrote ~500 words in their high level overview about how they would try to mitigate fingerprinting and cross site tracking: https://github.com/RupertBenWiser/Web-Environment-Integrity/....

It's obvious that this doc is just a very early working draft -- the rest of the spec is filled with TODOs as well, including TODOs for basic definitions. Yes, you might disagree with the proposal, but it's better to argue against the proposal constructively instead of bad faith misrepresentations.
I recommend the book "Research methods for business students" (Saunders et al) for a comprehensive guide to conducting and writing research projects. It's written very clearly so is applicable beyond just business research, but similar books may exist in other disciplines.
I also recommend https://www.semanticscholar.org/ because you can easily retrieve some of the PDFs.
The shortest international bridge in the world: El Marco
there is only so much studios can do to grow their slice of the pie. They can't make much cheaper content reality TV is about as low cost as they can go and not be beaten completely by YouTube. They could make less total content but higher quality that was HBO's modus operandi. But AT&T didn't know how to run a media company and sold them to discovery which is run by a producer of the lowest quality reality TV. so now that's looked at by other producers as a bad strategy even though it more a case of bungled management. from their perspective the only way forward is to cut production cost but the unions probably strong enough to outlast them with new and current productions on hold
Back when I had a mortgage in the UK I would have given some vital part of my body for a mortgage which was stable over 30 years (and allowed me to repay it at any time). Long, fixed-term mortgages are quite rare outside the US. Over here you get a 2, 3 or 5 year fix and after that it jumps to a much higher variable rate, which means in practice you have to remortgage. A load of expense, hassle and uncertainty every 2-5 years.
Dupe of https://news.ycombinator.com/item?id=36823424
Since that's ultimately under control of the British government, and there are no disputes about the status of the island, it should be very safe.
> ignorant

> perhaps you would benefit from actually conducting research

> perhaps you would learn

> But of course that would require you to actually inform yourself

> you so carelessly commented

A comment that stacks all of these pejoratives is unquestionably crossing into personal attack. This is not a borderline call.

I know how difficult it can be to respond neutrally when someone else is super wrong or you feel that they are. But commenters here need to pause when that happens, and then wait until they can respond neutrally, It's not easy, but we all need to work on it (including me). Otherwise we all go down in flames.
Skeeziest thing a friend did when rates were low during the pandemic is mortgage his house and use the money to buy a commercial property. The rents on the commercial property cover the mortgage on his house.

But you are correct. You shouldn't treat an owner occupied house as an ordinary real estate investment. The flimsy type of analysis that poo poos buying a house always assumes you'll live in a large cardboard box somewhere.
I assume the relevant text is this:

In cooling technology, the gradual ban on refrigerants under the European F-Gas Regulations makes alternative, refrigerant-free technologies more desirable.

That seems like a reasonable statement. I'm not sure why you took that to mean a "short timeframe" or a complete ban on all refrigerants.

Edit: here's a link with some information about the F-gas regulations.

https://climate.ec.europa.eu/eu-action/fluorinated-greenhous...
Manipulation implies control does it not? I don’t think most people would assume lab manipulation meant merely growing it
Curious, where does rent cost much less than mortgage payments in the SF Bay Area?
I doubt its any better than native code. After all, modern jvm use is pretty much all jit anyways.
Preview: Ranging over Functions in Go
This is such unadulterated bullshit. The purpose of a 30-year fixed mortgage is to build up equity over the course of someone's working career such that when it comes time for them to retire, they own their primary residence and only have to pay property tax on it until they die. This allows people to retire on a fixed income less than what they earned in the workforce, enabling their nest egg to actually BE a nest egg, and then also allows them to pass that property to their heirs, allowing for the beginning of generational wealth, if not the continuation thereof.

If you rent for the same period of time, you piss away literally hundreds of thousands of dollars of home equity which you and your heirs can benefit from. But let's piss all over the greatest tool society ever created for creating generational wealth, because it's "capitalist," and that means it's icky.
We should take note that even now we have companies pushing back against any changes to our oil consumption. They're literally intent on destroying our way of life to get a bit more profit.
Like I said, those stats had been forgotten about between 2020-2022, when the discourse was about another type of “new normal”, but one related to public health. Yes, it’s the very definition of apocalyptic hysteria.
Economic growth is not purely extractive of natural resources. If a new invention of better performing clippers allows me to cut twice the hair as a barber, I've doubled my economic value without any change in resources.
“Webring of shit” is simply an amazing description for this phenomenon. I hope this term catches on.
Typically, you can save money by buying the exact same situation that you would rent. Whether or not that exact situation is available to purchase, or if you would even want to own it (owning a small studio might not make sense) is a different question.

Unless I’m wrong and SF is actually cheaper to rent always.

Even considering all this, it’s often only a small difference. And renting gives you a different and sometimes advantageous quality of life.
I’d be really interested to see a write up on the particular materials and how much current is required or if it’s simply a Delta V that achieves the effect. It’s been many years since I was in college, but my mind cannot comprehend such an action generating a considerable amount of heat.
> Since responses are generated server side you can not modify what they send you.

You cannot modify what they send you, but you can and should modify the data received within your own computer, so that the program can receive and deal with modified data.

However, it ought to be possible to do so without needing to decrypt and encrypt it. The web browser should be able to use insecure proxies even for secure protocols so that you do not need to encrypt it twice (the communication with the server will still be encrypted).
> The solution is very simple: uninstall Chrome and Chromium.

No. Firefox, beyond being slower, also keeps constantly displaying ads… for itself. Want to open a new tab? “Big Browser cares about your privacy, read how!” I just want to open a new tab!!! I’m working! Restarting? “Discover what’s new with Firefox”, “Hohoho, we care about your privacy, LOOK HOW MUCH WE CARE! ALSO WE HAVE NO ADS!” Worse, they suggest to solve privacy that I use Mozilla VPN. VPNs don’t solve privacy. Also, it’s a paid ad for a paid product.

Mozilla had also a staunch political slant, going as far as firing a CEO for a donation he made to the opposing group years ago. There is nothing neutral here, if you are not a leftist, it’s dangerous to use or even give your participation to that ecosystem.

Mozilla has failed to become the no-ads, better-ethics, privacy-aware navigator (pun intended). They keep performing worse actions than Google all the time.
Let's start over.

People were talking about the value of time+random UUIDs versus all-random UUIDs, and how those behave.

You said that sometimes the random behavior is preferable.

In response to that, I was saying that even if you want to sort randomly at some particular step, you should use the time+random format, because other steps might not want to sort randomly. You should directly choose to use the random part, instead of indirectly forcing it by making the entire UUID random.

Then you said "Only when writing all at once and when you know what the shard boundaries are and the number of shards (and boundaries) are stable."

I can't figure out how that relates to my post. I thought you were worried about insufficient random bits to use for sharding, but apparently that wasn't your concern. So I have no idea what your concern is. If you have a use case for randomness, use the random half of the UUID.
Individual decisions like that are only good for making yourself feel good about doing something, but it’s close to meaningless when it comes to actually solving it.

It’s systemic solutions that are needed. Some of those may include disincentivizing consumption. But it’s also not simple given that in many places there’s serious pushback against that. And also the economic cost. Everything is interwoven.

I wish people stopped pretending that this is just a matter of going vegan.
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Counterfeit doesn’t mean it’s unable to fulfill the basic functions of the product. A counterfeit Music CD could be functionally identical to the real version similarly a counterfeit purse might be indistinguishable from the real thing.

Now these cards were manufactured by the same company, but even after adding fake packaging the purchaser isn’t getting the manufacturer’s warranty etc. Crypto cards also have damage due to electron migration which again makes them a worse product than a new card would be. It’s a counterfeit product even if the card words.
The real solution would've been to not create an unsustainable pyramid scheme in the first place. Unfortunately the negative effects of it take so long to appear that the people who created the system will never feel them.
Compiling to native isn't exactly black magic and works just as well.

JVM wastes cycles on things like classes, which is not necessary at all. Going forward, Rust has already proven that you can do things at compile time to guarantee things like memory safety.
Looks like an interesting project and compelling alternative to Gutenberg.

Remember to check the project website content for grammar mistakes, e.g. using Grammarly, since small mistakes can tarnish the project image of professionalism.
> Apparently they pay engineers all the same comp

Yes, that is a sad point. I love Oxide and everything about them. It is the only company in Silicon Valley that I'm honestly kid-like excited about (I fake the "passion" for others but don't feel it). My partner is probably tired of hearing me drool about this one company I wish I could work for...

But with a family to support, it's never going to happen. The pay cut would be brutal, so I never apply. If I ever become an independently wealthy multimillionaire, the first thing I'll do it apply to Oxide. As long as I need a paycheck, it's impossible.
That's not what the proposal would do -- you could still run your own JavaScript on websites. In fact, this is explicitly stated as a non-goal: https://github.com/RupertBenWiser/Web-Environment-Integrity/...

> Non-goals:
>
> - Enforce or interfere with browser functionality,
> including plugins and extensions.
If it converges it’s because that’s what people want.
If the performance was ok, is there any reason why a sampler couldn't call an API or use a separate fine tuned model?
It's unsubstantive because it's snarky, uncurious, and adds no interesting information.

Commenters frequently react to the mods as if they're opposing-side-sympathizers, but in reality, we're just reacting to your breaking the rules. We'd react the same way if you held the opposite opinions, and often do.
> Apple doesn’t like the web competing with apps

Perhaps you haven’t been paying attention but macOS Sonoma—currently in beta, shipping this fall—has the best web app support we’ve seen in a mainstream operating system.

You can put a web app on the Dock using the Finder’s “Save to Dock” command for virtually any website or web app.

Not only do you get service workers, push notification, web app manifest support, etc. web apps have first class support in the Finder, Spotlight, Spaces, Mission Control, etc. [1].

[1]: https://developer.apple.com/videos/play/wwdc2023/10120/
Gwern is the person I'd become if I could properly monetize my ADHD and rabbit hole seeking behavior. I absolutely love his website and everything he publishes, and I am always delighted to look over his new stuff. Wish there are more people like him to read from.
Your reasoning for why it’s normal and okay for men to be the absolute dominating voice in popular song writing is that they need more men in choir? This is a massive non-sequiter.
The tests show that this isn't what happens though.
The irony is that people are forgetting where all that carbon came from in the first place, before plants captured it from the atmosphere!

Humans are contributing to climate change, but the climate had constantly changed throughout history. During the peak to the Roman empire, parts of the Mediterranean are estimated to have been 2°C hotter than today. The climate cooling is one of the likely contributing factors behind the collapse of the Roman empire, as agricultural output fell as a result.

Climate change is bad for current human settlement and farming, as what is currently primar land for living and farming will change. Such a charge would have dangerous global economic and political consequences.
I'm actually in the process of reworking it so that the keybinds can be fully remapped via a GUI. In fact, LibreScroll is my first step experimenting with multi-process delegation that will enable that functionality, since the current way of having to edit the code directly in scattered locations is very much not ergonomic.

In the meantime, for the current version of TPMouse on the dev branch, to change the remapping of arrows and mouse buttons, you need to edit `keybinds.au3` in three spots:

1. the virtual-key constant at the static array at the top

2. the hotkey string at the static array at the top

3. (this is really poor UX I know) in the static struct declaration inside the respective callback function, change the referenced virtual-key constant.

The list of virtual key codes can be found in `vkeys.au3`:

https://github.com/EsportToys/TPMouse/blob/dev/vkeys.au3

So for example, to remap mouse1 from F to A, I need to do the following:

Line 10:

<<< before >>>
$mb1 = [ $VK_F , '{f}' , callback_f ] , _

<<< after >>>
$mb1 = [ $VK_A , '{a}' , callback_f ] , _

Lin 68:

<<< before >>>
Local Static $struct = DllStructCreate('ushort MakeCode;ushort Flags;ushort VKey;'), $vkey = DllStructSetData($struct,'VKey',$VK_F)

<<< after >>>
Local Static $struct = DllStructCreate('ushort MakeCode;ushort Flags;ushort VKey;'), $vkey = DllStructSetData($struct,'VKey',$VK_A)

As for changing the activation hotkeys, if you wish to use a different modifier other than CapsLk, change the vkey code on line 74, 90, and line 107 of TPMouse.au3; for example, to change it from CapsLk to Alt:

Line 74:

<<< before >>>
Case $VK_CAPS

<<< after >>>
Case $VK_ALT

Line 90:

<<< before >>>
If $VK_Q = $struct.VKey And Not ( $sks($VK_CAPS) Or ($sks($VK_LSHIFT) And $sks($VK_RSHIFT)) ) Then Return

<<< after >>>
If $VK_Q = $struct.VKey And Not ( $sks($VK_ALT) Or ($sks($VK_LSHIFT) And $sks($VK_RSHIFT)) ) Then Return

Line 107:

<<< before >>>
If $sks($VK_CAPS) Or ($sks($VK_LSHIFT) And $sks($VK_RSHIFT)) Then

<<< after >>>
If $sks($VK_ALT) Or ($sks($VK_LSHIFT) And $sks($VK_RSHIFT)) Then
That’s the narrative that real estate agents have been selling for decades. In reality, it depends on the location: in some places it makes sense to buy; in others, it turns out that the total cost of owning a home is so much higher than renting that it makes sense to rent and invest the difference.

In any case, do your math for your specific situation and ignore blanket advice.
Why isn't it a response to the question above asked? The question above seems to be saying that this API will be used to create walled gardens; the linked part of the design is about how to prevent the API from being used to create walled gardens.

Disclosure: I work at Google but not on this.
$10-15k a month holy shiz how much traffic are you seeing? Any funny stories? Congrats on your success!
I had this same intuition and built an inverted calculator a few years back where you tell it how much you want to pay and it tells you how much house you can afford. It compared what that payment gets you on a 30 year vs a 15 year mortgage. Obviously you can buy less house with the 15 year. But not that much less house, and the interest you pay will be so much lower, that it puts money in your pocket every year for 15 years; so it tells you what that is.

I basically think we're all getting 30 year mortgages because we have to support the inflated house prices which drive the last generation's investments. If we aren't left holding the bag on this generational scheme, then who knows - the next gen may need 40 year mortgages to buy us out of our homes at their wage rates.

https://observablehq.com/@a13o/anti-30-year-mortgage-calcula...
Every house has maintenance costs and this is the experience of all my homeowner friends. Betting on rising property costs may reap this back, but seeng what you can get for the average european family with 2 kids (up to 450k) prepare some parts of your home to be a construction site for a good part of the next 10 years.
Exactly. We should have based much more of our politics around dealing with the age structure in society, just like we should have dealt with climate change when it was still easier to deal with.

But on the other hand the shareholders were very happy, so there's that.
Your math is too simple. Consider alternative scenario where you invest your down payment and what you save on mortgage (generally slightly more expensive), invest what you save on extra repairs / maintenance.

After those 30 years it's entirely possible that as a renter I have:

- been able to take advantage of moving freely for personal or economic reasons

- been able to move to a newer completely renovated apartment number of time for no costs other than moving my stuff instead of either paying for it or living in a house with a 20 years old kitchen

- been able to live without stress about all the responsibilities that come with owning a house, being in debt and tied down

- come out with enough money from my S&P500 that I started 30 years ago to decide to settle down somewhere and buy the house or continue as is with bunch of money saved up

I am not saying that this is what will always happen or that owning a house is strictly worse but the "rent is money down the drain, mortgage payments is money you keep in the end" angle is way too naive.
The Mortgage Is an Intrinsically Toxic Product
Love resources like this. I’m getting my feet wet in the RISC-V world, and it’s clear that people who want to push FOSS forward are going to need knowledge like this to get software working well on all of the SBCs that are coming out.
I heard a quote in an interview once from a michellin star chef:

Paraphrasing from memory:

"One of the best preserved secrets in haute-cuisine is that the best way to perfectly cook a steak/filet mignon is to deepfry it and then sear it in a pan at very high heat."

Haven't tried it, but I buy it. I would think the deepfrying is fast enough to avoid making the meat too dry. And I personally don't really find briney water oozing out of my steak to be all that sexy anyway.
I believe quite the opposite: any kind of variable rate mortgage is a toxic product.

It's a way of saying ,,I give you a loan but I don't tell you how much more money you have to pay me back, maybe 5 times more interest as you may think now''.
-NC is the pretty restrictive part.
Extremely high-quality work here - I spend (what I think is) a significant amount of time trying to understand systems, in general and in detail, and this feels on first reading like something I'll be referring to repeatedly in future.

Already it suggests a surprising idea, which may or may not be fleshed out elsewhere, that a good way to understand an existing system is to try and solve the same problem without reference to how the existing system works:

> You will often expend more cycles understanding the existing design than you would solving the problem from first principles. ...

> Even good solutions can bias your thinking towards a particular part of the design space. ... A great time to look at other systems is after the Design phase, to see if you can map those solutions to your space. Even better, you can often reverse-engineer the details of solutions simply by understanding where they fit in your design space.

If it doesn't already exist somewhere else, we can call it Balakrishnan's Law - the best way to understand a problem is to solve it!
The case that Brown plagarized Holy Blood Holy Grail is hilarious because Holy Blood Holy Grail claimed to be historical research rather than fiction. So how can you plagiarize actual history? The case was basically them admitting it was made up.
Not only more costly, it is impossible with current technology.