skysight-inc/HackerNews huggingface dataset:
Same - I bought my neighbor's house with a real estate attorney. It was a simple sale, no loan -- I called a real estate agent I'd worked with in the past to ask how much he'd charge to act as my agent, he said he'd go as "low" as 1.5% -- that'd be over $7,000 for basically filling out a few papers. The seller said I could use an agent if I really wanted to, but it's a waste of money.

We ended up going to a local real estate attorney in town, and paid less than $1000 in fees for the whole transaction - didn't even use an escrow company, I handed the seller a personal check in the attorney's office. (biggest check I've ever written, had to write the numbers small to fit in the small box on my check!)
Beware? On Amazon, Samsung sellers are advertising their chromebooks as “plus”.
Presumably banks don’t give out loans to older people without any property.

If you are going to sell your house to go on vacations… I don’t think too many people will do that. Say you sell at 40 … well you still have a lot of mortgage left so the bank gets their part and maybe you get like 50k profit which is not debt.

If you sell your home when you’re older, it’s your money so no debt either.

Banks only give out so much credit card debt without collateral. Presumably somebody did the math with how much they are willing to lose.
I have a different take on this.

AI voice is cheaper, but it's also a more boring and generic performance. There is zero progress made towards any sort of creative AI that produces good unique work.

The market for this then is small businesses who can't afford a professional voice actor. AI is opening up new markets, not killing the jobs of the truly talented.
Why should we assume he was familiar with the building techniques used in Chicago? Perhaps he just reinvented what already existed.
All good but 6% is outrageous. 1% each is going rate in many other countries and I don’t see what value even a stellar realtor offers that’s worth more given current housing prices.
The social "sciences" are a political tool, whose usefulness depends on their ability to reach any desired conclusion.

The assumption that better (that is, more accurate) social science is what people want shows a hilarious lack of awareness of what is actually going on.
no, it was invented at UCLA and Stanford and financed by what is now modern DARPA. It wasn’t a matter of financing, it was a matter of national security. we are subsidizing plenty of advanced technology that puts us on the bleeding edge of military, but that doesn’t mean they wouldnt find private funding
> - that Windows is spyware

so is macos, chromeos, and ubuntu. Debian and Arch shall rise!!

> - that Microsoft is abusing their position by forcing Edge on users and bundling Teams, Outlook, Office365

I'd honestly be interested in 1 of their competitors who isn't doing this.

> - MS software quality is atrocious and I wish we weren't stuck with their garbage. Even bill gates has to agree with this under oath or he would be perjuring himself

No argument there.

finally, what does this have to do with Google's antitrust?
It's not about need, it's about ambition, a trait often lauded here.
And yet, as unhelpful as it is, it's not responsible for mass murder in the tens of millions to hundreds of millions as Marxism and its apologists are responsible for.

It's a bizarre and catastrophically dangerous cult that humanity would do well to excise from its collective soul sooner rather than later.

>If you could refute anything written in the article,

Like the absurdly stupid "I think that labor has value all by itself" inanity that even grade schoolers can debunk? I could refute more, if I didn't feel the urgent need to vomit reading this garbage.

HN is so good at nuking all things political... but I guess commie stuff gets a pass?
This is fantastic news. Realtors have had their hands in the cookie jar for too long. Now that information is so much more accessible because of the internet, realtors simply are not needed. Anyone can buy or sell a house.

That said, I don't think consolidating the fees in a tech company is necessarily a win for the greater society.
> According to the article, it seem more like the onset of a doomer mentality.

>Why save for a tomorrow that you might not live to see?

Wanting to set a floor for quality of life for your children?
They are hurting for talent. Each instance of high-profile bad press makes it harder for them to replace their aging workforce and makes companies more reluctant to give them any data or research assistance. Beyond that, they've had a huge brain drain in recent years with their talent being hired away by the private sector. Which also means you should be wary about who gets hired at Amazon/Google/Microsoft/Apple/Hurricane Electric. Last I heard a supervisor from the NSA who was in charge of some team dedicated to breaking cryptography in the early 2000's had since been hired by Amazon to lead cryptographic implementation at AWS.

Could be fine. Could be beneficial for Amazon's cryptographic security. But I know I'd be worried on what her reaction would be if the NSA came to her privately and asked for her to make a change at AWS that makes it easier for the NSA to exploit.

As for them lying....you have to look at incentives. Spies lie for a reason. They twist words, they lie by omission, they attack peoples' character, they claim their push for changes in the name of public safety is more important than freedoms.

They don't lie just for the sake of lying. Lying is not its own reward.
I just took a look at their GitHub repos, and the main one has 90+ PRs open for some for over 8 months with no feedback. What is the point of this call to action if the current team can't handle the current PR volume? As it stands more PRs won't help the project.
> barring nepotism,

And that's where Woke comes in.

Sure, you're utterly incompetent but you have the Approved Believes, support the Approved Causes in the Approved Way, and you ticked the right superficial Identity+ checkboxes we needed.

You're hired.
That is what I meant, legally, health insurance companies can only take into account your age/location/tobacco use in their premium pricing, hence that is all they ask you.
> I personally believe that people need to collaborate in person for truly innovative ideas to come out.

Understood, but why do you already think the rest of the team disagrees? You haven't even hired them yet.

After all, if they did agree, then they would plan collaboration excursions using the budget you've given them as they find most beneficial. And their solutions will almost certainly be better than yours as they will live and breathe it, not just watch it from afar while working on things like marketing, customer acquisition, bookkeeping, and business development.
They could buy Kagi.
I actually don’t hate realtors. In my jurisdiction, seller pays, so it kind of only feels like 3% to me. I have no idea if that’s economically valid, but when I’ve sold a house, I felt like I got my money’s worth on market knowledge and advice. Maybe I just had the fortune to be working with good people.

Possibly I’m a cynic but I suspect Redfin’s endgame here is not to reduce transaction costs but to capture those for themselves instead. Perhaps part of my cynicism is looking at transaction expenses in jurisdictions without realtors - usually there’s some middleman who tends to capture a single-digit percentage of transaction value (either a notary or the government or both or others). Funny how that pattern seems to repeat itself.
This is also related to human composition.

Whether written out or not, few writers just start typing a story and see where it goes.

There was actually a great neuroscience paper last year looking at how human predictive processing seemed best categorized as a three layer approach - broad, medium, narrow temporality. And discussing the idea that this might apply to LLMs .

So if you have a paragraph summary of a story you want to be 10 pages, having the first step be generating a one page treatment of the story from the paragraph and then feeding that in to writing the full story will lead to a better pacing.

Want more interesting character arcs? Have it generate short character motivations, vulnerabilities, etc for key characters that gets fed in before the one page step.

"Fancy autocomplete" is a powerful tool, but it isn't a replacement for story workshoping. But the latter can be embedded as a process into the former fairly successfully, particularly with few shot intermediate steps.
Good. It is. For a company that pretended to be a startup as late as 2014, and had the motto Don't Be Evil, they are the reverse of that. They have destructive product handling, regularly destroying alternatives with their own versions then EOL them when the market is destroyed. Their Ads monopoly is awful. Google is a bane on the internet.
Economically speaking the train is moving.

If you have only a high school degree your wages have declined in real terms[0], they continue to fall. With interest rates what they are now home ownership is a impossibility for most people who aren't going to inherit one or who didn't buy when rates were much lower.

I'm not driving this train, I dont want it to be this way, what good will blaming myself do here? Should I apologize for seeing this coming?

[0]https://www.ncbi.nlm.nih.gov/pmc/articles/PMC7745920/
Apple doesn't need it's own search engine, but needs to improve siri.
Here’s an idea that’s worth $1 million to you. Monetize the ability to downvote early. Now unban my blackflame7000. I just gave you $1 million.
yes, in which case the parent poster shouldn't have been confused about salaries at all, aside from not looking.

there is a major deficiency in Levels data, as they accept a combination of offer letters, W-2's and Yearly Compensation Statements. So for positions with heavy share based compensation combined with market volatility, the W-2's and can be wildly different than an offer letter. This winds up wasting everyone's times, inflated expectation from every starry eyed employee, and bad data in general. There isn't enough data to smooth that out, for most positions or time frames.
But this day want make the IP accessible, just "known".

It's still a private IP.
> As the application developer

As an application developer you're obviously shipping an executable or an app, so why is Firefox part of the equation?

Totally lost rn. Could you please elaborate?
Glacier can be expensive to retrieve. idrive e2 costs about 0.0016$/GB/mo if you go annual plan, and free egress (up to 3x storage amount).
> That $230,000 was taken from the pockets of my non-homeowning friends.

Nope! First of all, it's come from no one's pockets until you sell. Until then it's just a hypothetical, theoretical gain on paper.

Second of all, when you do sell it, the money will come from the pockets of your willing buyer :-)

Edit: if you still want to feel bad about something, let it be this: that the rise in your home's value represents wealth that has been created "by the community" in the sense that it's only because of many variables of the surrounding community that the land has become more desirable and therefore more expensive; and your ability to capture all of that increase via your untaxed monopoly on the ground rent creates a deadweight loss for the broader economy.

But that's why we created the universal land value tax and used it to replace all other taxes! (Hello from the year 2078!)
Mass exploitation attempts against WS_FTP have begun
https://digitalcommons.dartmouth.edu/facoa/3380/

"Virtual Walls: Protecting Digital Privacy in Pervasive Environments"
Suffering from a serious (physical or mental) illness and caring for a sufferer are obviously different experiences, but I don’t think the perspective of the direct sufferer automatically ought to take priority. Caring is it’s own thing, it’s hard and lonely, and often the carers suffer longer. In the case of mental illness, the patient may forget the worst of what happened, and only the carer remembers literally pulling them back from the brink. In the case of physical illness, the patient’s death is not even the half way mark for the carer’s experience.

My point is not to say that patients have it easy, but that both parties have their burdens to bear, and it is not necessary for every essay to cover both sides.

Edit: I see you have deleted your comment, which is a shame, I don’t think you should be afraid to express this sentiment.
PostgreSQL + ZFS is controversial. My experience was that it was inefficient on space and CPU, and especially memory. It would hang for 10+ minutes at a time one every day or two (doing a single threaded sweep across all RAM). And sometimes it would totally hang the system, requiring a reboot. I would describe the experience as hellish. Some of these symptoms only appear when the database has high load, so basic testing on a staging system doesn't tell you about stability on a production system.

PostgreSQL + ext4 is uneventful, lower latency, and less wasteful of resources.
If your algorithm worked better, don’t you think that would be the algorithm? You think those models don’t consider recent sales?
Speaking of Cloudbusting samples, how about Orgonon Gurlz?
Because !profit == loss.

Since execs have most of their compensation tied to performance, they want to maximize that as much as possible without sinking the company.

There's also cycles throughout year, so some profitable quarters are there to offset quarters with losses. Take the retail industry, for example. They make most of their money at the end of the year, so any profit should cover expenses for the first three quarters of their fiscal year.

So, when you say normal, you actually mean profitable.
Yes, I noted this part:

People think that quoting the actual cost will drive away prospective customers, but genuine customers appreciate honest and transparent responses.

This is, unfortunately, not true. Must customers will almost always choose the cheaper alternative, even knowing it will likely be more expensive in the long run.
I've always found these accuracy claims fascinating. They both claim <5% error in my metro area, yet when I'm house hunting it's rare for me to find listings where both sites agree within 5%.

I always check both sites when I'm looking at houses (basically every day) and the pattern holds: They can't really agree within 5%.

Technically they could both be correct if the sale price lands neatly between the two estimates, but some of these historical estimate graphs are also swinging more than 5% per month, too. I think there might be some fuzzy math going on somewhere.
To be more specific, I looked at the list of open feature requests, and one of them is this one: https://github.com/jellyfin/jellyfin/issues/1714

A rather trivial PR for it is open since Feb 2023 with no addressable feedback: https://github.com/jellyfin/jellyfin/pull/9291
> that we HAD to employ two realtors who [..]

Why did you have to do that? is it your state/city law? because I know that's not a general requirement. You can always sell/buy directly.
Some realtors are worth it.

We sold and bought our house in 2021. We bought for $1 million and sold for almost $3 million over 8 years. When it came time to selling the house, my realtor was able to extract an extra $100k from the buyers as well as make it an all-cash offer with no contingencies.

When we bought our new house later that year, the house we were looking at was on the market for about a month. We were going to give an offer at list price, but she could tell the selling agent was a bit desperate, so she was able to get it $100k below list price, something that is unheard of in the SF Bay Area.

Overall she netted us $200k over both transactions, and she was singlehandedly the reason for this. That's what you get when you have a really good agent.
(Hopefully my comment will not get flagged as spam.) Is there a forum for finding developers willing to work for equity? Or, can I post what I'm looking for here?

I am the founder/CEO of an early stage startup, and we're looking for Node/React/full stack developers. We have some revenue and a good pipeline of leads. We're bootstrapped for now and depending on how things go in the next 4-5 months, we will raise external funding. The gig length is flexible -- can be short-term (1-3 months) or longer. If we raise money and if we like each other, this may convert into a full time role, but no guarantees.
https://en.m.wikipedia.org/wiki/Home_Affordable_Refinance_Pr...
https://en.m.wikipedia.org/wiki/Making_Home_Affordable
Not if only the elites use 'em!
If Zillow was good enough at estimating home prices, they would not have shuttered their home buying/selling business after experiencing hundreds of millions in losses.

https://www.nytimes.com/2021/11/02/business/zillow-q3-earnin...

>Zillow, facing big losses, quits flipping houses and will lay off a quarter of its staff.

>The real estate website had been relying on its algorithm that estimates home values to buy and resell homes. That part of its business lost about $420 million in three months.
Exactly. The point of an antitrust trial is not to transfer power and resources to competitors. It's to transfer power and resources to the voting public.

As guilty as Microsoft might be, it's rich of Microsoft with its monopolies (without which a lot of its subpar products like outlook and Teams and Edge would go poof) to be abdicating Google here.
How did you market it and do you think listing on mls, having an agent show the house, or paying a buyers broker fee would have gotten you more and higher offers?
Ours has increased by 30% but the thought of selling and then, having to enter this market, is nuts. I won't say it's not tempting to extract some of that value, but not now
The article writer focusing on themselves rather than on their subject makes it less interesting for me.
PlantUML supports one of my most-used diagram: Sequence. nomnoml doesn't, unfortunately.
The key point here is leveraging, given that an average US mortgage is 6.5x to 20x.

And that leverage is broadly available to most people, supported (and funded) by government policies.
Take out a HELOC at the now-current interest rates and give the money to your affected friends to pay them back. You'll probably have to sign a letter saying it's a gift, not a loan, if they want to use the money toward a down payment, but if you sincerely feel like you have taken money from their pockets, this is a way you can give it back.
The award for the most useless study goes too...
Office CMBS Delinquency Rate Spikes to Nightmare Levels
Location: Chile (UTC-3)

Remote: Yes

Willing to relocate: Yes

Technologies: Scala, TypeScript, Haskell, C, Python

Résumé/CV: https://drive.google.com/file/d/1vQGecOf8YCm4Tj4vZbTAJKaD5S2...

Email: ruben.astud@gmail.com

Mathematician (optimization) turned software engineer, 5+ of experience. I believe that with good mathematical models we can ship better code and products. I have good experiences doing front-end development but I am a better backend developer. I have a slight bias to functional programming. I pride myself on shipping products that our users have loved. If you work on a domain with good data, I would love to take a look.
Somewhat random, but spreadsheets continued to evolve after VisiCalc (obviously).

Here is one by the inventor of VisiCalc, Dan Bricklin, on github: https://github.com/DanBricklin/socialcalc

Audrey Tang (who happens to currently serve as the Minister of Digital Affairs of the Republic of China (Taiwan)) created the Node.js port of SocialCalc, EtherCalc: https://github.com/audreyt/ethercalc

Audrey made a fascinating write up of SocialCalc for The Architecture of Open Source Applications https://aosabook.org/en/v1/socialcalc.html
What is the alternate form of justice, if not adversarial?
Also when I was buying my motorcycle gear (8 years ago) the general conses I recall is that ECE ~= DOT. Not sure what OP means regarding DOT certification.
The fact that the keystone of Epic's ability to earn profit is Fortnite, of all things, is a strange aspect of reality.
SV has already disrupted real estate. SV figured out that you can keep raising rents each year on rentals, and people who can pay will wear the hit and the people you make homeless don't matter because you make more money overall even if there's empty apartments every where. TA DA! SV helps the world again!
A realtor isn’t needed but I think a lawyer isn’t a bad idea. You don’t want to mess up a 7 figure transaction…
Why is it unsustainable? Housing starts are at the lowest since 2019, and people couldn’t afford them if they did build them. People who bought a home before 18mo ago will have very little incentive to sell until interest rates decline, which doesn’t seem to be on the horizon as long as inflation stays higher than 2%.
Assign PRs randomly to a specific list of users in Bitbucket Cloud
I wrote this article about how you can automate the assignment to a random user of a Bitbucket pull request.
You could definitely argue the jury are humans are public opinions are easily swayed by emotion
It took several years for the 2007 financial crisis to really have its full effect on housing—prices fell until about 2012. I bet the same thing is happening now but is happening slower due to all the foreclosure and eviction protections and delays in court since the pandemic. Maybe prices will fall for longer or just flatline for a while since there are so few sellers it drives up prices—but interest rates are going to have an impact. If you couldn’t buy at a 3% mortgage, why will you be able to afford a 7.7% mortgage with prices the same? It’s now more expensive to buy a home in third tier cities than to just get a rent controlled apartment in cities with actual job prospects. Prices will adjust because this is surely not sustainable. I think the car market will soften and turn first and be a leading indicator.
6% higher?
That’s why you get when you have low interest rates
Chainalysis Idling 150 Employees
"Extract" is the key word here
And it is a non-callable loan, unlike borrowing $300k from your brokerage to invest in VOO. And many states require it to be a non recourse loan. And due to the backing of the federal government, it offers a 30 year fixed rate. The public subsidies are insane.
The article goes further into Nadella making a case for Bing being the default in Apple browsers. Ridiculous
I'm currently holding off despite having a baby on the way, a tech job, and 3/4 of the money saved up.

Rates are, barring a crash(which will also hammer home prices) likely staying elevated for another year, possibly more. Those rates also allow me to make thousands per month, risk-free, in interest off my savings. I'm able to rent for $3-4k/month, while mortgage+taxes+insurance+maintenance would set me back around $5k/month. Housing inventory is poor, so if I did buy I'd have to opt for a suboptimal location and/or construction.

The one circumstance I could see that would possibly make me regret holding off is financial repression by the fed where rates are held below inflation and houses keep appreciating, but I don't see a big risk to that over the next year.

I do expect rates to hold, and maybe even rise, since we're running huge deficits(requiring massive treasury issuance) and going into an election year (where no politician will choose austerity). I think it will eventually drop housing prices. Even in the best case for housing, values will likely stay flat in nominal terms.
Why would agents show a FSBO home for free? They're independent contractors on 100% commission, paying for their own health insurance and retirement- why would they work for free? Do you work for your employer for free?

Buyers are free to find & view FSBO homes on their own, they can easily be found on Zillow and any other listing site. MLS even accepts FSBO listings for a flat $300 or so fee, no agent required
You can use it since 3.7 with `from __future__ import annotations`