Hacker News: trukledeitz

New comment by trukledeitz in "Why do commercial spaces sit vacant? (2025)"

trukledeitz — Wed, 17 Jun 2026 11:46:43 +0000

Has anyone here considered the cost of capital reserves required by the bank for holding this loan? Commercial loans used to be a 100% capital holding requirement, while HVCRE (High Volatility Commercial Real Estate) Loans carry 150% capital holding. So if a bank loans a building owner 100% of a 20 million dollar facility and it meets HVCRE requirements, the bank has to keep 30 million of capital in reserve for the chance of default. Even if the loan receives enough buyer downpayment or for some other reason becomes normal Commercial loan the bank has to hold 20 million in reserve capital for the loan. So you have to net the incentive of the cost of the capital held in reserve against the interest payment on the bank's balance sheet as an economic forcing against continuing to float the loan forever...

New comment by trukledeitz in "Ask HN: Is maintaining a personal blog still worth it?"

trukledeitz — Tue, 14 Jan 2025 13:58:38 +0000

The replies here seem to give away the change that has brought about the ruining of the web. I have a blog, if I have to do a bunch of research to figure something out, I will write it up and date it and put it on the blog. I may use it as my notes research later, if someone else finds it useful... added bonus... That is much the way the original web used to work, and search engines just helped you find that. They no longer help you find helpful people, only SEO optimized, or ad supported content. If you want to build a following, then you are part of the new web, if you want to contribute to a searchable index of knowledge freely, then you are part of the old... IMHO...

New comment by trukledeitz in "A near impossible literacy test Louisiana used to suppress the black vote"

trukledeitz — Tue, 22 Oct 2024 19:23:58 +0000

Haven't followed specifics in North Carolina. But it seems as though the structure of statutes allowed the court to disallow the action(s), hopefully via injunction to prevent inappropriate implementation. This would however, support the case that statutes and understanding of intent are there.

Hopefully in the other unnamed states/actions that have been taken since, the impact will be small, or preferably, their actions will face similar repeal.

New comment by trukledeitz in "A near impossible literacy test Louisiana used to suppress the black vote"

trukledeitz — Tue, 22 Oct 2024 19:11:10 +0000

Thank you for including a link for reference. I may have missed some substance in the article, so help me out if I missed it. For my part, I'm not sure that the court would make additions to law, but maybe they should have allowed an option for Congress to update the law so that section 4 applied to all states? I can see that if you view section 4 of the VRA to be an important construct for citizen voting protections, nation wide application of the statute would only further protect the populace...

New comment by trukledeitz in "A near impossible literacy test Louisiana used to suppress the black vote"

trukledeitz — Tue, 22 Oct 2024 16:23:30 +0000

Agreed, from my limited web research the actual existence of use of this document has been questioned for many years. This is not a new topic, or a new artifact. I've found references to this verbiage going back as far as the 1960's.

Racism and/or vote fixing via the methodology claimed in this article would be a serious and despicable thing, however, as far as I'm aware, we are protected from this now and have been for a long time.

Speaking to many of the outraged commenters, Do you think that the example test is a reasonable analog of any state's voting process currently in use? If not, do you think an analog of this test could be enacted legally under current legal statutes? If so, what additional changes would you propose to supplement current statutes?

New comment by trukledeitz in "Tell HN: I just received my Equifax breach settlement check"

trukledeitz — Wed, 04 Jan 2023 14:20:19 +0000

Mine was a grand $3.52. A far sight less than the $125 that was reported a few years ago. I still wonder where that number went.

As far as class action based on actual damage and aggregations thereof. I believe that may be a strategy, unfortunately most of those end up going to government entities. So the very people who will not legislate statute to protect you will be in the same organization as the Attorney's General that will sue the firms and receive the damages...