skysight-inc/HackerNews huggingface dataset:
> Unless you can do the actuarial math yourself, going uninsured is the gamble.

Yes. But "not gambling" (= getting insurance) also means that you are slowly losing (by the amount of the insurance premiums, year after year). "Gambling" (not being insured) means that you avoid losing slowly, at the risk of losing massively (losing the entire house, and bearing the entire cost of that).

I don't like a "low odds but catastrophic cost of losing" game. So I don't play that game.
Is that more than in the past?

The article doesn't really say.

When I bought a home I had a family member help out while I was selling my previous home. This wasn't difficult nor did it seem strange to anyone involved as far as the financing went.

I suspect a good chunk of purchases are this way in one form or another.
For comparison, 7-zipped modernizr.weird.js is only 17.85KB which is almost exactly 2½x the size of the original.
In my town realtors are getting over 4x the average salary. (Coeur d'Alene, ID)

There is a job fair this week where 65 local businesses are looking to fill 1600 jobs...just in my county. Hyping the 12.5% average wage increase (most jobs they are talking about were in the $10/hr range).

Everyone is a realtor. Businesses are fleeing. Workers have already left. Commercial vacancies everywhere (but of course the price does not drop, but they are largely shifting from for lease to for sale).
Although..We do have 3 hatchet throwing bars currently and a new brewpub every week.

Not sure how long this house of cards will stand...but it in no way seems sustainable. Even at $20/hr I cannot pay workers a living wage.

Edit: for clarity
I don't understand a heat pump to be an inherently artificial thing, but I am struggling to think of an example of a naturally occurring heat pump. If there were natural valves and compressors (which there might be from certain perspectives) then I could see a naturally occurring heat pump being possible.

It seems strange to say process devices are the thing that make a system living or not.
It seems like chasing golden unicorn super smart bois has been more of a problem than a solution in SV and companies like google. It starts to look like a schoolyard game or mensa.

I'll just get the smartest of the smarts and rule the world! If I only get the alphas of the alphas, I'll surely win.

Reminds me of all the NBA players getting schooled in FIBA, because the international teams have better chemistry. At one point they had to do a total re-boot, because it was so embarrassing.

I know of at least one second tier, non-sv shop that goes hard to hire the best developers in terms of intelligence. It actually leads to huge quality problems during recruiting and poor diversity. There's just something about mega-nerds with extremely poor social skills that keeps the women and minorities away.

What I'm talking about isn't just awkwardness and lacking charisma. I'm talking about randomly telling women that they can tell she is on her period and things like that.
> I’m browsing the internet not surfing the Information Super Highway.

Hard disagree. You're browsing the Web not exploring the Internet.
This strikes me as a pretty reasonable way to conceive of these things.

Google uses the same ML techniques in their products after all - they just haven't exposed the chatbot UI until recently.
There's this odd fixation lately on IP Addresses being a very private, very scary thing to see logged, and I'm not sure why.

It's obviously information somewhat linked to you and a geographic location, so de-anonymising possibly but it's also how packets are routed back to you. I don't expect web services to treat my information as public, but I do expect them to at least have an access log privately.
I can agree with the reorganization part, but can't agree with the "what Elon did" part.

You can treat people well without hiring tons of managers. You can restructure a company without forcing everyone to work weekends, holding visa holders hostage and all the other crazy publicity stunts that were performed.

I agree that the pendulum probably swung too much one way, but what Elon did swung it too much the opposite way while screwing people over for the sake of his memes.
No judgment on your decision there at all, props rather. I'm just saying you shouldn't have expected the truck to survive (unless other modifications were done, eg snorkel). Same with an EV, I would fully expect damage if I'm driving in water up to the headlights. Sometimes that's a sacrifice worth making though.
Oh, man. I'd love to get a new 4th gen iPod.
there are a lot of brokers that offer desk fees. instead of %. and keeping complainant is no joke.

unless your talking about mortgage brokers in which case you could go to a bank and pay more unless your buying a $1M house and have access to relationship manager.
Shortage of good wages, not potential workers.
Don't threaten me with a good time :)

Cheekiness aside, you'll find the overlap of people who support both a land value tax and a wealth tax to almost be a circle.
The thing with sea levels is that it's not the average that you need to worry about but the extremes. If the average goes up, the average high during extreme events also goes up. Like high tide during a hurricane. And of course the issue with global warming is that it predicts both increases in sea levels and incidences of things like hurricanes.

For the amount of damage that hurricanes can do, just refer to the last few ones and consider them a sneak preview of what insurers consider to be likely to be much more regular. Think tens/hundreds of billions of dollars in damage every time it happens
Of course, I don't expect it to!

But in the past 6 years of your career, I expect you've studied those things a lot more than I have. Do you think that the book is still a good starting point for someone looking to progress beyond dumping confusing vendor binaries in off-the-shelf Bluetooth modules that seem to be energy hogs, to miniaturize and integrate custom firmware and onboard antennas on my PCBs?
> In USA there is a shortage of workers, including security workers, and police benefit from that.

You forgot the asterisk always required when one hears the phrase "shortage of workers*" --> "shortage of workers for the wage being offered."
I have said similar things to a few replies but i really think it’s less simple and there being one way that works.

I’m sure the agree to disagree works sometimes but my experience is we need to trust people to do their job, and if we cannot, we need to move on without them.

This isn’t to say we will disagree and not find a way to live with it. I more mean, the ideal outcome is that the mind of developers and product staff are tightly aligned. If they’re not, that’s going to be a constant source of friction that’ll slow down everything about product development.

I personally believe (and maybe bias is showing now) that a lot of the best ideas come out of the people closest to the code. It’s often easy to spot opportunity as a developer, but we need to not discount the work good product people out into user research and market research.

Neither alone is sufficient, but the teams have to work together to get the idealized outcomes.
as a parent, my obligation is to my family, not someone else's

but even then, my tax dollars pay for public education, infrastructure, public college, roads, etc etc ....I am most definitely subsidizing opportunity for others
You have an extremely generous and optimistic view of the cognitive capital of the average person.
Nobody in Europe installs solar because of California... Strabge idea. As is intentionally misunderstanding the fact that electricity out of coal produces CO2, while PV does not.

And regardless of NFTs, people investing in PV, as opposed to me putting one on my roof, expect returns on said investment. These returns come from selling electricity. Of thos equation isn't working, people don't invest. If it does, people invest. And that is proof that solar works out financially. Even in Finland.

Funny as well, how people use the "market" as argument for anything working, only to turn around and totally ignore it if the market confirms something they don't want to believe.

Reality is, Finland becomes a market for solar, believe it or not. That also being the case for utility scale projects, means it is financially viable. Those arw verifiable facts. Now you can choose to ignore them, or not, I don't care. What I care about is HN turning into a olace where people ignore facts and realizy, just to confirm their points. We can do better around here, because if not, there is no point in sticking around here anymore.
I suppose you don't get a lot of hurricanes in Madrid, do you?

My premium in the US for a 4000sq ft home in an area with mild hurricane risk (Cat 1-2 possible, but uncommon) is around $1400/year. Florida is a very high risk area, so it makes sense that premiums are high.
It makes unit testing better in the sense that it can obsolete a good chunk of it, even.
And is this such an issue? Does the world have to be a fancy lights show in order to be palatable? Isn't there enough wonder in the galaxies and the specks of dust, do we really to invent the almighty to make humans feel... special? because I guess that's what it all is, fragile egos can't take being anything less than The Chosen. Which explains also religious wars - this town is not big enough for two chosen.
Could your technophobic family handle it? You grandmother? That weird uncle that decries anything digital but has the latest iPhone with all the default config in place?
I know of a local Volunteer fire Dept that went that way; started having the head guy and a couple of his big cousins go around and tell people how much the VFD needed support, and how flammable their house or business looked.

Couple months after that started, the guy's house burned down. I heard the trucks came out twice, the second time there were more people responding and the police got into the guy's barn with a major weed grow. Not sure what the whole story was but the VFD moved and became a different entity after that.

The moral is that neighbors enforce the character of the neighborhood. Not cops.
Low interest rates pretty much existed until very recently.

Is this really a “previous generation” thing?

And past generations before also experienced very HIGH interest rates as well as low.
I don't agree with ACAB, but I do agree that there is a lot of dirty behavior out there that shouldn't be swept away with a weak, reductionist call to "childish reductionism."
> 7. Background checks start in parallel with on-boarding. First week is spent with business unit teams to learn what the company actually, really does.

Yikes!!! I’ve never heard of a potential employer giving offers before background check. Do you tell candidates this before they quit their current jobs?
I had thought about including an additional sentence in my comment that admitted that attacks on e-voting would scale more easily, but decided against it.

I'm taking issue with the way the article implies the insider threat problem is unique to an e-voting system.
You’re likely an exceptional saver by American standards.
I can say confidently that <5% of my time as an EM has anything to do with HR.
Thank you for your comment. This is a very important point, that gets lost in the mystical catch-all argument of: “you just don't understand”.

And what's there to understand? An ivory tower of connected ideas which are not falsifiable!

On the same note: I'm glad I don't understand the nuances of zodiacal signs.
Yes, most of these tools are a pain in the ass to use, so people can't be bothered.

The only universally used tech on this list is SSL, because end users don't need to "install SSL and learn to use it" - we had to put in the work to upgrade or shitty servers, and they get the benefits.

Time had proven that the "don't you care about your privacy" argument doesn't work, so it's up to us to make the privacy-respecting tools better than the alternatives
You misunderstand my comment. To be useful for policy, the studies need to assess the _actual policy_. The reference you provided merely shows that new EVs are on average producing less GHG than new ICE cars. This is a separate question to whether this policy (banning new gas stations) will reduce GHG.

For example, you would also need to include opportunity costs of the policy in question (e.g. less energy is used to run an existing ICE vehicle than to manufacture new EVs) and estimates for the downsides (how much extra driving this will cause). Not to mention the chance that this policy does not affect EV adoption, and thus wastes resources better used building renewables (or any other good policy).

The report also has the downside that the data and code are not open access. Couple that with the fact that it comes from a political organization and I doubt the reliability of their analysis for policy. It's too easy to tweak assumptions to fit your preconceptions, and their assumptions are not published.

For example they mention some values as assuming 95% renewable penetration. They fail to mention how much additional GHG will need to be emitted to build and run grid scale storage which is required at such high % of renewables. There are huge differences in estimates of this cost from different institutions, so it is critical to know which values they used. The fact that they do not present these estimates as a range or confidence interval is a red flag that their analysis is biased.

I have read a lot of papers like this, your assumption that I haven't is unfair. I like EVs but I dislike the reflexive assumption from proponents that they are good in all circumstances and any policy supporting them is good policy.
Seems like a waste of time to spend decades of study on yet another D&D setting.
The previous generation? My recollection is that our first mortgage 30+ years ago was around 6%, ARM. That is somewhat lower than it is now, but not lower than the last several years.

(I will add that we got some money from my mother-in-law to get up to a 10% down payment. Less than $10K, I think.)
It’s only a crime if someone is willing to prosecute you for it.
When Doctor Hogg went to Hereford

Through ever-bigger displays, Victorian England studied its apples.

https://applesandpeople.org.uk/stories/hereford/

Apples originated in Kazakhstan, there are supposed to be forests of Apple trees there, although I think they're now in fairly poor health.

https://www.atlasobscura.com/places/the-last-wild-apple-fore...
Maybe routine maintenance in your parts (which would make sense if you're frequently fording rivers). For most car owners it's something that needs to be done... basically never. Can't blame them for not knowing something like that.
Extremely generous take on human intelligence.

If you're of above average intelligence, remember that you're likely biased to assume the average person is more intelligent than they actually are.
What's your argument here? That corrupt police who run protection rackets are worth it because they will, in the end, actually protect your family from gangs of 100+ people?
Far fewer people are partnered, so that alone doesn't mean there is sufficient housing. Divorce/not marrying probably means we need 30% more bedrooms than previously required.
> This post is the first in a three-part series about migrating from a self-built PHP-based Laravel backend to a managed WordPress backend.

This seems like a setup for a lot of apples to oranges comparisons.
I've found more and more recently that a lot of things I've thought to be a universally incorrect option often can work with the right person behind it. I don't think it's entirely hard to believe someone can executed a top-down management style well
That seems more complex to store and render than everything else about a gaussian splat, how are these used efficiently?
I find that YouTubes recommendation algorithm is not great. It would be a cool feature to be able to something like assume a persona and have recommended videos that similar like minded people watched. There's effectively infinite videos on YouTube but it's common I can go there looking for a video and find nothing interesting to watch. In some cases it's pushing recommendations for videos all similar to a recent video I had watched, but I'm no longer interested in that topic
He said unrealistic, not impossible.
Precisely. I specifically want to use the Bandcamp app, but there's literally no way to switch from web to app. There's no way to put a URL into the app, and the search is so incredibly bad that it's almost impossible to find the thing I'm already listening to, even when I'm already logged in in both places.
My wife and I aren't young (over 40), but we borrowed 35k for our 7% down at the bottom of the interest rates. We got way too much house, but got almost everything we wanted. As a married couple, if you stay under a ~40k gift, you can tell the IRS to write it off as 2 gifts (separate transfers for the balance of the difference <5k) and pay no income tax on it.

Edit: Not a taxman. Just trying to remember what ours told us. Better info in the following post.
It's a cartel that uses price fixing, which perversely makes price discovery trivial. So everyone in a market generally can assume the level of the buy-side commission (for ex: here it's 3%). That will be accurate unless the sell-side agent says otherwise.
Social mobility isn't an unambiguous good
10% of pre-tax income, not including retirement savings is exceptional?
And in Canada another 30% (or less with overlap) of home purchases are by investors and not primary owners. Hooray!
I don't think that's true. There's a reason many LVT'ers are called (and consider themselves) "single-taxers."
The new mafia game's shaping up nicely.
I know an engineer that worked with a manager. The big corp closed the location and few years later the manager got same role at another big corp and wanted to have the same good engineer. HR didn’t like that engineer and manager wasn’t able to hire. Network does not work.
> the down payment seems to be the easiest part

Assume you will spend 20 years to pay off the debt with 20% Down Payment.
That means each month you will spend 80%/240 -> 0.3% of the house value each month. Including interest rate that's 0.4 - 0.5%.

So w/ down payment helps you can save up to 40-50 monthly payment.
Still cheap enough to make coal one of the cheapest source on electricity markets, measured in generation cost per kWh. Since coal is the dirtiest fuel we have, those certificates should be expebsive enough to price out coal most of the time. That would be an ingenious combination of setting incenzives for market players im way that the result of market activities benefits everyone.
Like, of course? If I can afford it I am going to help my kids too. My parents helped me for the start too (tho not to buy house, they could not afford that).
I agree with you, that's why I put the "free" in quotes.

I am not deluded to the point that I think everyone had a great time in the last 30 years or so but since the fall of the USSR and some of it's satellites states , it seemed like we were on an upward trajectory in terms of human rights, democracy and civil liberties.

If the last 30 years have only been a blip in terms of freedom acquired by some parts of the global population, does this mean that we are just returning to the mean value of freedom and that we are by definition always meant to be under some kind of semi-authoritarian regime?
Maybe we just had a great inspector, but they found a ton of issues for us and were the cheapest part of the buying process. Compared to all the other mystery fees, I was happiest paying for the inspection.
There are FaceBook groups that share their prompts.

What I have discovered is many of my best results on Midjourney are due to the chaos option, which makes them not consistently reproducible.

I've learned a few tricks that I guard jealously, which I almost laugh at myself about, but it's the same feeling of guarding nice little areas in nature that I discover and don't want other people trampling. Silly but all too human.
Just because X does good things and serves a genuinely useful purpose, does NOT mean that X cannot also do bad things that damage the community

In fact, both are almost inevitably true on any given day on both the best and the worst situations.

The key is ensuring that the balance is on the good side. This requires distributing power, not allowing it to concentrate in too few hands.
> I don't think this point gets plastered everywhere in the entirety of the world enough.

That’s because most of the rest of the world doesnt respond to gun crime with arguments that the solution is to issue more guns.
> It is obvious. Most words in different languages aren't 100% equivalent - they have large or small differences in sets of connotations.

This is true. Which is why idioms and phrases can be hard to translate. But we're talking about Sapir-Worth hypothesis which is a much stronger claim.

I have never experienced that I need to think in a specific language in order to do something better (well, I only have two choices).
They're talking about WordPress.com, not self-hosted WordPress. It's not a good comparison, in my opinion.
>> a violation of human rights

In general, hospitals do want parents to take their offspring home from the nursery after a day or two.
Well, in today's world, there is just one group that will hunt you down, make your life miserable, harass you and your employer and so on - all this in the name of tolerance for minority.

And for some strange reason the society just accepted it. When people throw the worst shit at the creator of a popular book series,[0] we look away and pretend we don't see, otherwise they may turn their attention to us. It makes me sad because the good intentions have been turned into something fundamentally wrong.

[0] Apparently you can't even play the game based on it, at least in some circles.
That surprises me! I can happily pay the mortgage but saving the downpayment is a pain, even as a married couple. It's not impossible, just a slow grind. Of course by the time we finish I assume the prices will have gone up, so there will be a bit more grinding there, but we're hopefully not trapped in some Achilles and the Tortoise predicament.
I've tried, with and without, I tried various settings (there are quite a few mouse acceleration related settings). But I could never find something that even approximated windows speed of movement and precision at the same time.

I wish someone finds out why this is at some point. I'm a 90% Linux 10% windows user and I've been for many years. I've accepted the inferior mouse experience on Linux (not just one mouse, all mice I ever had on a number of pcs and laptops), but I hope it gets sorted at some point.
Slow crawl to feudalism.
Seems like we’re recreating the Middle Ages financially a bit here doesn’t it?

Mobility is linked to previous generations more than your own. Wealth is more important than income because there are so few jobs that can actually build enough wealth to own a home.