pbk1
pbk1 on Hacker News
FWIW the examples in OP were generated by image models, not Claude - Claude just orchestrated the other models via OpenRouter
I went on a road trip through Southern NM a couple years ago. Highly recommend stopping at Gila National Forest - it's a certified "dark park", remote enough from sources of light to see the Milky Way with the naked eye.
One thing that struck me - towns down there had a template. 90% of towns we drove through were just a blood plasma "donation" center, a dollar store, a gas station, and a cemetery. Very bleak existence out there, oil and gas boom notwithstanding.
IIRC you can use Racket base so long as you define the “atom” function per the book authors
> if housing is far and away the best investment you can possibly make, both in the short, medium, and long-term.
citation needed? genuinely curious - are there studies about long-term returns from housing vs. other asset classes (namely public equities)?
While we're talking about funding basic research - how come these independent institutes and government funding agencies don't get equity (warrants, options, whatever) in the entities that ultimately commercialize and patent this research?
I reckon they probably take some cut as a licensing fee, but seems like participating in the upside would create significant incentives over the current regimes.
I don't know where you live but it's been decriminalized in plenty of places in the West, so even if it's not fully legalized the worst you face would be a nominal fine, not getting arrested.
Setting aside the environmental concerns (which are important, and indirectly health-adjacent), are there material health reasons to eat organic? This Mayo Clinic article [0] points to pretty minor improvements, would love if someone could point me to evidence substantiating OP's claim, or maybe which products in particular are materially healthier if produced organically.
[0] https://www.mayoclinic.org/healthy-lifestyle/nutrition-and-h...
You can accelerate 5-10 years to 3 months using pay for citizenship schemes. For example Grenada has one where you get citizenship and a passport in return for "donating" $150k USD to the government. Grenada's is interesting because you get visa-free access to China. Antigua and Barbuda are running a "50% off sale" (I kid you not..) where the cost is only $100k USD (normally $200k USD)
Lenders can and do buy this kind of data to underwrite their borrowers (credit cards, BNPL, student loans, mortgages, etc.). They don't need to get it from credit bureaus. Anyone who is underwriting off of bureau data alone is a decade (or more) behind state of the art at this point.
In China it's referred to as 中国特色社会主义, which means "socialism with Chinese characteristics"
0.6% compounded for 30 years would be barely $1.02M
Posted by
pbk1 on Wednesday November 18, 2020 @05:25PM
from the sec.gov dept.
Posted by
pbk1 on Thursday November 05, 2020 @04:22PM
from the sec.report dept.
I don't think 30% is unreasonable, nor would it require them raising
that much cash relative to a company of their magnitude or
Back of the envelope math:
Majority of their portfolio is very short term, let's assume 6 months duration which is a 0.5yr weighted average life
300B in annual originations
Assume they can get similar leverage as US securitization markets, which would be 95% advance rate (5% "skin in the game" for Ant)
Then the equity required would be:
300B0.530%5% = ~2.25B, and they were planning to raise $30B as part of this IPO
FYI - Keith's response is in your link; he responded before you wrote this comment
The opening of this article references Hokusai's "Great Wave" woodblock print. There's an easter egg in this print I never noticed, which is that Mount Fuji is nestled in the trough of the wave.
Learned this from a great NYT article on Hokusai focusing on another print from the same series: https://www.nytimes.com/interactive/2020/08/07/arts/design/h...
Posted by
pbk1 on Monday August 10, 2020 @10:49AM
from the ask-hn dept.
What are rituals you've constructed to:
deal with situations in your life?
create motivation?
*derive meaning from the world around you?And why?Couple examples:
(1) When I get anxious, I fill a large bowl with ice and water then submerge my face (including nostrils!) for 30sec, usually 2x. This ritual gives me confidence to break out of an anxious thought or action loop. It also has a...
I interpreted the inclusion of party affiliation in parentheses as indicating this has bipartisan interest
People didn't "panic", but the markets and industry did certainly react to his ideas and behavior - the pharma company he ran (Valeant) tanked and he was ousted as CEO.
Can someone ELI5 why PiHole is preferable to an in-browser blocker like AdBlock Plus?
Building on this, I think good technical skills will definitely help get you in the door but won't get you that far up the ladder if your ambitions are management/executive track. And that's not for everybody, which is why larger companies have built individual contributor tracks.
Social skills in a career context are not just getting along well in the office and being able to make small talk in the snack room. It's about creating a strong and deep network, and as an engineer, being able to interface effectively with business and other stakeholders on a social level. It's also about seeking out, recruiting, and fostering new talent, moreso at growing companies. I work at a unicorn tech company and very few engineers meet these criteria.
this seems pretty doable - why haven't you made this move yet?
Broader access to securities-based lending (NOT margin). Hearing a lot of people selling parts of their portfolios to fund themselves or their families during the crisis, obviously this is a very inopportune time to be liquidating. Would be a lot better if they paid a fairly nominal interest rate (2-4%) to fund their short term demands instead of being forced to sell to generate cash. Not advising people people take loans against >50% of their nest egg.