I for one think the imminent demise of human civilization is of interest to the intellectually curious and thoughtful readers of HN. I also believe that hurting the feelings of willful climate change deniers and suchlike people is a really good idea.
Readit Newshonkhonkpants commented on Tell HN: Political Detox Week – No politics on HN for one week · Posted by u/dang
honkhonkpants commented on How Bad Are Zillow “Zestimates”? blog.duvora.com/exactly-h... · Posted by u/duvora
That has not been my experience at all, and I'm pretty sure lenders would have a big issue with that if it were as rampant as you say.
What incentive does the lender have? The involved parties are the seller, the buyer, their agents, and the originator of the loan. All of these people are working to close the deal at the negotiated price. The originator of the loan will hold the loan for somewhere between 72 hours and 30 days, so they don't care.
honkhonkpants commented on How Bad Are Zillow “Zestimates”? blog.duvora.com/exactly-h... · Posted by u/duvora
Certainly you can influence the appraiser, but the way you state it is nonsense. Their job is also to provide feedback to the buyer, they won't just pull any number you like out of a hat.
Appraisers absolutely do pull numbers out of hats, because appraisers who regularly fail to write down a large enough number will stop getting calls.
honkhonkpants commented on How Bad Are Zillow “Zestimates”? blog.duvora.com/exactly-h... · Posted by u/duvora
Yeah, but how accurate are appraisals? Several years ago I was reading about an analysis that found that Zestimates were about as accurate as appraisals are 80%+ of the time.
The job of the appraiser is to write down a number as large as or larger than the amount to be financed. They know this and they know the number in advance. What they do is not rigorous.
honkhonkpants commented on Best Wifi Mesh Network Kits thewirecutter.com/reviews... · Posted by u/caseyf7
Wireless routers can't really do gigabit speeds? That doesn't sound right.
Also he says a separate high bandwidth signal coordinates the units, would that limit range? Why not a lower bandwidth signal?
Geez, complain much? It's a miracle it works at all.
honkhonkpants commented on A Billion User Load Test on Healthcare.gov blog.navapbc.com/the-bill... · Posted by u/shashashasha
We were paying about $650 per month and a $4,000 annual deductible.
Obamacare forced our insurer to cancel our plan.
First lie: "If you like your plan you can keep it".
The new plan was $1,450 per month and a $9,000 annual deductible.
Second lie: "A family will save $2,500 per year".
Even at that, we lost many of the doctors.
Third lie: "If you like your doctor, you can keep your doctor".
There's more in the details (co-pays, etc.). The above would be enough to throw any business person in jail for fraud. Yet we somehow tolerate and rationalize our elected officials behaving this way.
I don't particularly like Trump but if anyone is wondering why he got elected, well, start by understanding the true depths of Obamacare and go from there.
Do you think it's possible that your prior policy was one of the garbage plans that got outlawed by ACA? Those are the ones that didn't survive the "you can keep it" claims. Those were plans with uselessly low annual or lifetime limits, too much small print, etc.
Bit of a rant. The site is the mouthpiece of people who are suing the city of Lafayette, for violating state law by not building enough housing.
honkhonkpants commented on A Billion User Load Test on Healthcare.gov blog.navapbc.com/the-bill... · Posted by u/shashashasha
I am sure my wife will be very happy to learn about this test. It will definitely make up for our insurance going from about $12K per year to $26K per year. That, along with keeping our doctor and saving $2,500 per year have been fantastic.
News Flash: Engineers think technology while, in the real world, the problem has nothing whatsoever to do with it.
It's like tuning your Ferrarri for more power while your reality is you commute on the 405. In other words, irrelevant.
But, hey, congrats, glad to see what I am paying for.
What did your premiums look like before? In my case I just didn't have insurance because there was no functioning market anywhere that would sell you a family health care plan including childbirth, at any price. Now I get health insurance from my employer which isn't affected by ACA so I don't know what the market looks like.
honkhonkpants commented on A Billion User Load Test on Healthcare.gov blog.navapbc.com/the-bill... · Posted by u/shashashasha
8K transactions / second is hardly extreme load. It's good they can support it, and I doubt they need more, but many, many sites handle more load than that.
At that rate you could enroll every household in America in 3.5 hours.
http://www.freddiemac.com/loanadvisorsuite/loancollateraladv...http://www.freddiemac.com/loanadvisorsuite/faq/loancollatera...
This doesn't even take into account the process for appraisal management companies (third parties).