<rss version="2.0" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom"><channel><title>Hacker News: landl0rd</title><link>https://news.ycombinator.com/user?id=landl0rd</link><description>Hacker News RSS</description><docs>https://hnrss.org/</docs><generator>hnrss v2.1.1</generator><lastBuildDate>Tue, 18 Aug 2026 09:10:04 +0000</lastBuildDate><atom:link href="https://hnrss.org/user?id=landl0rd" rel="self" type="application/rss+xml"></atom:link><item><title><![CDATA[New comment by landl0rd in "Super El Niño Keeps Growing as New Forecasts Reach Record Territory Ahead Winter"]]></title><description><![CDATA[
<p>Because tail-risk events are very unlikely, and the average person does not have enough money to diversify widely enough to smooth out their effects.  Big entities can launder high variance into low, and they can afford to do this by taking many more positions than an individual.  Second, insurance companies directly cannot hold as much risk as they once did.  Just like banks don't hold loan books like they once did, insurance tends to reinsure heavily and much of the risk now bottoms out with cat bonds.  Third, this is the entire reason we created insurance.  It's like asking "why does blue look blue", or when people ask "why does poop happen to smell bad to us". It's tautological.<p>If what you're upset about is claim denials those are occasionally illegitimate because insurance, like literally everything else, has the occasional bad actor.  There's also a massive industry of attorneys who will work on contingency and provide legal representation to resolve that.  Much more commonly, it's someone who didn't read his policy, or did but decided post-hoc what it "should" cover.  He "shouldn't" have to bear the cost despite not taking out a more comprehensive policy beforehand.  This isn't a "capitalism" problem; single-payer systems, generally agreed to be socialistic in nature, still don't cover some things and generally require coverage specifically to avoid people deciding they "deserve" coverage after they get sick.  The other major category is things like business insurance in 2020; most policies wrote out plague after the SARS outbreak in the aughts.  This isn't "insurers are evil" so much as bio risk is massively correlated which breaks a lot of things about underwriting.<p>Lots of "acts of god" are, in fact, covered and pay out all the time.  Hail and wind and such.  Things like flood aren't, because a relatively small number of people live in floodplains and they tend to not want to bear the entire risk.  People who live outside of floodplains, on the other hand, don't buy flood insurance, because they don't need it.  So you have a lot of adverse selection that makes it hard to insure.</p>
]]></description><pubDate>Sun, 16 Aug 2026 13:48:19 +0000</pubDate><link>https://news.ycombinator.com/item?id=49320058</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=49320058</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49320058</guid></item><item><title><![CDATA[New comment by landl0rd in "DeepSeek peak/off-peak pricing update"]]></title><description><![CDATA[
<p>Not if you heavily tuned it to trigger on specific environmental cues and in specific companies' environments.</p>
]]></description><pubDate>Fri, 14 Aug 2026 14:09:20 +0000</pubDate><link>https://news.ycombinator.com/item?id=49298931</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=49298931</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49298931</guid></item><item><title><![CDATA[New comment by landl0rd in "DeepSeek peak/off-peak pricing update"]]></title><description><![CDATA[
<p>As much as I've been previously inclined to do this, with frontier models displaying the cyber-aggression that OpenAI, Anthropic, and Meta have reported, it's become quite feasible one could produce a "malicious" LLM.  Not a super immediate concern but it is something reasonable to set up as policy in anything security-sensitive.</p>
]]></description><pubDate>Fri, 14 Aug 2026 14:08:38 +0000</pubDate><link>https://news.ycombinator.com/item?id=49298923</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=49298923</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=49298923</guid></item><item><title><![CDATA[New comment by landl0rd in "DEA to Temporarily Schedule 7-Oh and Related Substances to Protect Public Safety"]]></title><description><![CDATA[
<p>My intuition tells me most people can't put down whiskey like they can beer.  My guess is both of these are actual relevant things that affect behaviors, but I have no idea which is stronger.</p>
]]></description><pubDate>Wed, 15 Jul 2026 18:36:19 +0000</pubDate><link>https://news.ycombinator.com/item?id=48925211</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48925211</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48925211</guid></item><item><title><![CDATA[New comment by landl0rd in "Societal Impacts: Claude's values across models and languages"]]></title><description><![CDATA[
<p>Yes, I cancelled claude subscription a few weeks ago because sonnet 5 "ended a chat" over my calling something retarded.  Unbelievably irritating for some pile of bits to get uppity with me; will never pay for such.</p>
]]></description><pubDate>Wed, 15 Jul 2026 13:08:32 +0000</pubDate><link>https://news.ycombinator.com/item?id=48920299</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48920299</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48920299</guid></item><item><title><![CDATA[New comment by landl0rd in "Removing 'um' from a recording is harder than it sounds"]]></title><description><![CDATA[
<p>Podcasts and other media to which people often listen at faster speeds aren't produced with the professional fluency of a news broadcast from the fifties.  The bitrate of information is relatively low.  Of course many speed them up.<p>The democratization of media created a lot of folks who've no idea how to disseminate information in a structured format and at an optimal rate.</p>
]]></description><pubDate>Fri, 12 Jun 2026 13:01:38 +0000</pubDate><link>https://news.ycombinator.com/item?id=48503597</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48503597</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48503597</guid></item><item><title><![CDATA[New comment by landl0rd in "Launch HN: Chert (YC P26) – Twilio for iMessage"]]></title><description><![CDATA[
<p>I think this is bad and antisocial and you should shut it down.  I like imessage <i>because</i> businesses cannot easily use it.  The people who are most willing to pay for what you provide will do so because they can thereby annoy me in interfaces where other spammers cannot.<p>More practically beeper got blocked for this reason despite not even targeting commercial messaging.</p>
]]></description><pubDate>Mon, 25 May 2026 17:28:01 +0000</pubDate><link>https://news.ycombinator.com/item?id=48269355</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48269355</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48269355</guid></item><item><title><![CDATA[New comment by landl0rd in "The memory shortage is causing a repricing of consumer electronics"]]></title><description><![CDATA[
<p>CXMT is a company with heavy state backing and control that started its current trajectory years and years ago.  It has infinity money and isn’t allowed to go bankrupt.  CXMT is reading political signals (Beijing wants indigenous AI up and down the vertical) as much as market.</p>
]]></description><pubDate>Fri, 22 May 2026 13:31:04 +0000</pubDate><link>https://news.ycombinator.com/item?id=48235608</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48235608</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48235608</guid></item><item><title><![CDATA[New comment by landl0rd in "Samsung chip workers will get an average $340k bonus as AI profits soar"]]></title><description><![CDATA[
<p>You could always replace him with a "banker" who instead loans you the means of production on credit, but nobody is going to make you a lathe for free out of the goodness of his heart, nor buggies for your grocery, nor the produce for your shelves and meat for your coolers.  The banker makes you take the risk because, if it fails, he probably takes your house.<p>Believe it or not co-ops exist just fine and some do very well.  It sounds like what you would like is a co-op and I will be quite happy for you if you start one.</p>
]]></description><pubDate>Fri, 22 May 2026 05:33:04 +0000</pubDate><link>https://news.ycombinator.com/item?id=48232381</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48232381</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48232381</guid></item><item><title><![CDATA[New comment by landl0rd in "Tesla's lithium refinery discharges 231,000 gallons of polluted wastewater a day"]]></title><description><![CDATA[
<p>Not really; strontium is quite common in the crust.  In the oceans it occurs in the single-digit mg/L.  This isn't a meaningful datapoint.<p>The entire article doesn't show particularly concerning findings and the protests read more like nimbyism than environmental concern. Industrial processes have some non-zero level of impact and complaining when someone runs one that's not very polluting at all is letting the perfect be the enemy of the good. Or it's just an attempt to outsource all the pollution to china, which is fine for many things (I'd rather they were polluted than us) but not critical minerals.</p>
]]></description><pubDate>Tue, 19 May 2026 20:34:49 +0000</pubDate><link>https://news.ycombinator.com/item?id=48199193</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48199193</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48199193</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>I think fewer Christians than you believe take their cues on right living from that man.  Maybe I'm biased as a zoomer but I see the influence of "flexers" and tate and fuentes-style ingrates as vastly more harmful, because they function as perverse role models for young men in particular.  You may think they are just jesters; that is not so.  I wish that were true but it's like saying that "instagram beauty" doesn't affect young women's self-image.  It shouldn't, but it does.<p>I don't see homosexuality as a particularly important issue, as I'm not a member of a denomination that believes it constitutes a Godly relationship.  I am, for example, less concerned with it than I am with widespread gluttony and resultant obesity.  However that doesn't mean that it's not of any concern, and Christian ethics don't easily accommodate a utilitarian-style ranking of units-harm-done.  It was, however, the topic of this particular company and the article about it.</p>
]]></description><pubDate>Sun, 03 May 2026 20:15:30 +0000</pubDate><link>https://news.ycombinator.com/item?id=48000949</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=48000949</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=48000949</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>I wasn't particularly aware of President Trump until he went for political power.  I barely knew of him.  I recall having seen him exactly once, in some documentary on the History Channel.  He's mentally categorized to me as "politician" more than "rich guy", which is the wrong type of corruption for this case.  I had much more exposure growing up to the "flexer" types as the archetypal idolizer of wealth.<p>You should engage with what I'm saying, rather than nitpicking, or say nothing.</p>
]]></description><pubDate>Sat, 02 May 2026 21:39:56 +0000</pubDate><link>https://news.ycombinator.com/item?id=47990840</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47990840</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47990840</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>In Matthew 19, Christ explicitly affirms the definition of marriage given in Genesis.  As I said, this is an affirmative definition, i.e. it says what it is.  Implicit is what it isn't, that is, anything else.  He is answering by affirming marriage as a thing grounded in creation, in the nature of man and woman cleaving to one another in a lifelong covenant.<p>I think things like "flexing" influencers who idolize material wealth are pretty toxic and blocking them would be good, yes.</p>
]]></description><pubDate>Sat, 02 May 2026 19:52:02 +0000</pubDate><link>https://news.ycombinator.com/item?id=47989842</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47989842</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47989842</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>He had plenty to say about sleeping with anyone outside of marriage between man and woman, notably in Matthew chapter 19.  While direct mention is relegated to Paul, Christ operated by whitelisting, so complaining that something isn't blacklisted is categorically wrong.  Transsexuality wasn't a thing in that world but is plainly a rejection of His creation.<p>It presumably blocks it for the same reason it should block traffic concerning first-person shooter games, or content adjacent to self-harm and violence; the latter two were mentioned in the article as additional targets.  It is not good to put certain things in one's brain.  I along with others don't believe in reading certain things, watching certain things, and listening to certain music for the same reasons.  I view it as best as intellectual junk food and at worst as corrosive; we should seek things that glorify Him and content pertaining to violence, homosexuality, and self-harm plainly don't.</p>
]]></description><pubDate>Sat, 02 May 2026 19:34:37 +0000</pubDate><link>https://news.ycombinator.com/item?id=47989666</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47989666</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47989666</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>One doesn't seek the good of the other by pretending that sinful behavior isn't.</p>
]]></description><pubDate>Sat, 02 May 2026 19:30:57 +0000</pubDate><link>https://news.ycombinator.com/item?id=47989630</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47989630</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47989630</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>Since it's an MVNO they can probably get away with this, no?  They are not allocated any of the fixed, monopoly-prone resources like spectrum that make such rules necessary.  The satanists can I suppose go start an MVNO that allows nothing but lbgt and pornography if they wish.</p>
]]></description><pubDate>Sat, 02 May 2026 16:45:40 +0000</pubDate><link>https://news.ycombinator.com/item?id=47987990</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47987990</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47987990</guid></item><item><title><![CDATA[New comment by landl0rd in "New US phone network for Christians to block porn and gender-related content"]]></title><description><![CDATA[
<p>Ideally a Christian cell phone network would do both.  It would also provide only healthy foods in the office and encourage fitness (gluttony and sloth are sinful), prohibit working on Sundays, and encourage policies to steward our world.  It would control off-hours demands for those who are married and have children, and therefore have family obligations to which they must see, and might hold mixers for its singles to encourage family formation.  It would expect humility and servant-leadership from its executives and patience from its managers.<p>I would prefer to do business with such a network but one does not exist.  Apparently, people do not believe there's much market demand for any but the first of these.<p>This is similar to the church itself, which tends increasingly towards alignment with one faction or another.  In turn, it becomes blind to the sins of its own and focused wholly on the sins of its schmittian enemy.  The conservative church will tell you of the sins of homosexuality but not obesity nor wrath; the liberal will tell you that insufficient love is sinful while ignoring transsexuality.  I find neither particularly Christian.<p>Perhaps the Benedictines could run an MVNO.  I am no catholic but they'd probably do a much better job.</p>
]]></description><pubDate>Sat, 02 May 2026 16:43:38 +0000</pubDate><link>https://news.ycombinator.com/item?id=47987963</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47987963</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47987963</guid></item><item><title><![CDATA[New comment by landl0rd in "GPT-5.5"]]></title><description><![CDATA[
<p>There’s been some, but naive activation steering makes models dumber pretty reliably and training an SAE is a pretty heavy lift.</p>
]]></description><pubDate>Fri, 24 Apr 2026 01:07:49 +0000</pubDate><link>https://news.ycombinator.com/item?id=47884308</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47884308</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47884308</guid></item><item><title><![CDATA[New comment by landl0rd in "Edit store price tags using Flipper Zero"]]></title><description><![CDATA[
<p>I live in a town with a massive, well-stocked food bank.  I don't think anyone is stealing a crust of bread to feed his hungry children.<p>If I see someone stealing food, yes, I did.  It's immoral for you to do otherwise.</p>
]]></description><pubDate>Tue, 21 Apr 2026 18:11:18 +0000</pubDate><link>https://news.ycombinator.com/item?id=47852312</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47852312</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47852312</guid></item><item><title><![CDATA[New comment by landl0rd in "At long last, InfoWars is ours"]]></title><description><![CDATA[
<p>Two people can both be wrong. President Trump also has nothing to do with this unrelated truth claim.</p>
]]></description><pubDate>Mon, 20 Apr 2026 19:56:02 +0000</pubDate><link>https://news.ycombinator.com/item?id=47839701</link><dc:creator>landl0rd</dc:creator><comments>https://news.ycombinator.com/item?id=47839701</comments><guid isPermaLink="false">https://news.ycombinator.com/item?id=47839701</guid></item></channel></rss>