Yes! The very famous xz hack was only found, because a German wondered why his ssh session lagged 200 ms at the start. Everyone should go mad when their main tool lags a few hundred milliseconds. It is unacceptable that we sit on machines, that run billions of calculations per second and our software still lags.

That was said about reddit some years ago and now reddit is clearly riddled with astroturfing and other manipulations. We don't know how big the problem on hn already is and how bad it will get. But it would be naive to think, that it doesn't happen here.

True. Sometimes weird links with very few upvotes magically end up in the top 10. But the comments usually bring them back to earth!

The most real benefit of HN vs Reddit is commenters who are actually knowledgeable in that field, who leave a comment or vote up an actually useful comment.

In my new credit card app I can set if I want to repay 3%, 5% or 100% at the end of the month. If I set it to 100%, I have to pay $2 per month. Banking is already actively hostile against the customer.

You have to pay more money when you pay the total amount you owe? That's just evil.

In some locations banks are allowed to charge you for the interests they will loose out on when their clients pay more of the principal.

In other locations this has been deemed illegal and/or only allowed above a certain amount (think 10-15% of total remaining principal).

I do not agree with this being an ok practice (to charge).

Banks make money on interest. Perhaps the principle itself is the issue, if it's legal to earn money on loans, no surprise a bank incentive is to make you take loan, and have you keep them for as long as it can.

Typically a mortgage does not allow over repayments. Why? It would get people in the nasty habit (from the perspective of the bank) to pay back a little more every month with the spare they've got.

Of course you can pay a fee to overpay.

Mortgages have amortization schedules, Banks love it when you pay more as it only reduces the tail end of your loan. You still pay the interest up front.

Not all banks are the same, some have other incentives to pay off early.

With my mortgage, interest is monthly on the remaining principal and paying extra in a month is entirely on the principal - it reduces the total interest paid, so the bank gets less.

The idea that you pay the interest up front is a very common misunderstanding of how mortgages work and more broadly the concept of an amortization schedule.

Yeah, I see people describe it like that all the time, it's never corrected, and doesn't match how I always thought mortgages in general work (and definitely doesn't match mine), so I'm never entirely sure if it's a different system from another country or just a version of the blind leading the blind. Which is why I made my comment so specific to myself.

The parent of that comment mentioning "a fee to overpay" is one I've never even heard of before. Definitely not the case here, free to pay down the principal as much as I want whenever I want as long as the current interest for the month is paid first.

Yes, I think that's standard in the U.S.

Banks don't care at all how or when you pay your mortgage. They only originate and service the loan. The loan is sold to Fannie & Freddie and isn't on the banks' books anymore.

Only credit unions and small regional banks still hold mortgages on their books. The overwhelming majority(90%+) of mortgages are agency - ie sold to the federal government.

What country is this?

I believe this to be illegal in the USA but would not be shocked if a rule change was slipped into some random unrelated bill.

If we're talking normal credit cards in the US, you technically are getting a 30 day loan for free, no interest if paid in full every month.

I don't see a issue if credit cards charged 30d interest on balance, but if mine did that I would drop it instantly.

...which is to say nothing of the interchange fees they earned on that "free loan"

Which bank is this?

By definition, usury/interest based banking is hostile against the customer.

If Proton is too expensive, you can use zoho. I switched from Google and I'm missing nothing.

The zoho link you provided is for the billing product, not the email product. I use zoho with three low usage domains and pay $1 a month.

https://www.zoho.com/mail/zohomail-pricing.html

I tried controld and wasn't impressed. In what way is controld better than nextdns?

I also switched to controld after a period of unreliability from from NextDNS. NextDNS is a little easier and a little faster, and perhaps better for auditing a network, but controld overall has more features. Differentiators: more granular control in blocking related functionality, can replace your VPN for certain use cases, control over traffic flow and proxying, etc

Moving water will get much colder than 0℃ before turning solid. -10℃ or even -25℃ are easily possible. If the water is also under pressure, it can get even colder.

I thought to supercool water, it needed to be completely still? am i confusing it with superheating?

I don't know much about water. I just remembered that rivers aren't freezing at all, even in harsh winters and searched a bit on the internet.

To be honest, I'm writing this comment mainly to say: what a great user handle, I smiled :-)

Have you read the about page and "how it works"? https://www.myvocab.info/en/about https://www.myvocab.info/en/howitworks

It looks like a reasonable idea to me and not stupid at all.

No, when someone says something is stupid, it generally means they made a visceral judgment based on preconceptions. So, they probably DNRTFA.

C2 seems to be easily achieved. I got 35% above native speakers and 96% above non-native speakers.

lol, yes - if you're native. I doubt the average far-eastern grandparent would achieve C2 easily.

imo was one of the last multi-messengers, where one could stay connected with almost everyone regardless what they used. It was a good time. It was a sad day, when I realized that they will pivot to their own solution, but I guess it was better for them.

XMPP is still around.

Beeper does a great job at this. I use it for all my IM needs.

Just my 2 cents: I run a tuxedo laptop, that is just a branded clevo device. It isn't as greatly build as a Mac, because nothing is. But my tuxedo works well, nothing broke, or needed any repair. Can recommend. Branded clevo pcs in Germany are used by Schenker, Nexoc, Wortmann, One Computer, MIFCON and more. Internationally, brands like System76, BTO and XNB are using clevo. I've never heard of BTO and XNB, so this might be false information. But I've heard good things from System76.

Linux compatibility isn't what it used to be.

AMD and Intel support Linux as a first class platform, and everything CPU and GPU from them will work perfectly. Nvidia is on track to match them, albeit on proprietary drivers, if you use the most recent hardware, kernel and drivers. Qualcomm is still basically unusable and so is Apple.

The vast majority of popular and modern wireless chipsets have at least basic drivers in tree. Webcams, touchscreens and pens mostly work. Fingerprint sensors mostly don't work.

System76 has its place. You'll avoid hassle and you'll get the full feature set. You won't have to deal with bizarre edge cases around sleep, multi-gpu, or power saving features.

But truth be told, if you buy a new x86 laptop from any major brand, chances are that everything essential will work instantly or with a bit of tinkering under Linux.

i have a system76 laptop. underpowered for its price point but okay.

the firmware and OS integration is fairly smooth and it generally runs faster than i'd have assumed for a laptop that old.

i have money to spend these days and can afford a thinkpad or mac so i'll probably lean that direction but i would consider another system76 too