Adjustable rate mortgages are usually cheaper than fixed rate mortgages.
Only for the first few years, when you are paying the introductory "teaser" rate. Then the rates are "adjusted" upward, even if overall interest rates don't rise. This was a one of the causes of the 2008 housing collapse, when borrowers were sold mortgages that they couldn't afford based on the teaser rate. ARMs almost never make sense for a borrower, and IMO they should be banned. They are deceptive and predatory.
Actually, in many ways, they are. Corporate taxes are often seen as a way to make fat cats pay. But the opposite is true: corporate taxes tend to be regressive. If you tax a corporation, the money comes from some combination of shareholders, customers, and employees. The biggest shareholders are pension funds, holding the savings of middle class works. Big companies tend to make goods, while small companies provide services. So if you tax big companies, the tax burden is shifted to goods (disproportionately purchased by the poor) rather than services (disproportionately purchased by the rich). Corporate taxes also have pernicious side effects, such as pushing investment and jobs overseas.
If you want to target the rich, it is much better to make individual income taxes more progressive, rather than trying to do it indirectly by taxing corporations.
And who just memorizes all these random algorithms just to recite them at a moments notice?
You don't have to "memorize" any algorithms. You just need to be able use your brain, and understand some basic concepts, like "use recursive functions to deal with recursive data structures". That is something any freshman CS student should know. If they don't know it, President Trump should deport them.
Except his FPGA fails when the clock speed is boosted because he doesn't understand what a bypass cap is for. Fundamentals are important, even if you rarely need to apply them.
If not, does that mean all programmers in those languages are incompetent, by your logic?
A professional programmer should be aware of common concepts even if he doesn't use them daily. An "abstract class" is not an obscure concept. Would you hire an EE who doesn't understand amps and volts, just because he specializes on VHDL digital logic?
Not once since college have I ever had a need to write code to construct or balance a tree on my own.
Neither have I, but it is a trivial task.
I doubt very much that I could come up with a function to balance a tree out of the blue with no prep or review
Really? You just walk the tree, and return false if any leaf is deeper than the others.
nor is there much real world need for most developers to do so.
That is sort of the point. It is a simple, trivial task like "reversing a string" that nobody actually needs, but is still a good test of basic competence.
I am impressed with the questions. These are questions that any competent programmer should be able to answer, but a non-programmer (such as a shoe or underwear bomber) would not have a clue. This actually seems like a pretty good test. If they did this to me, I would be more pissed about having to sit around for over an hour beforehand. Of course, it wouldn't happen to me because, hey, I'm white.
That's great and all, but in America we still have a culture of tipping for many service sectors.
Sure, but that can change. For instance, fast food restaurants discourage tipping, and as a result McDonalds workers are paid more than a waitperson at a low end sit-down restaurant where tipping is expected.
Similarly, as we make the transition away from taxis, that is also a good time to dump the tradition of tipping drivers. Uber used to explicitly state on their website that "tipping is not expected". They no longer do that, but many, and perhaps most people do not tip rideshare drivers.
That is a feature, not a bug. Tipping is stupid. Drivers (and waitresses) should be paid a fair wage, and the cost of providing the service should be included in the price. People feel social pressure to tip even if service is mediocre. Many countries do not have a culture of tipping, and the service is just as good, or better, than what you get in America, and service people have a more reliable income.
The lack of tipping is one more reason that I prefer ridesharing over taxis.
Uber is currently cheap because they're using VC money to subsidise every ride
Sure, but Lyft is doing the same, and also burning through cash. Their prices are nearly identical. When I switched to Lyft, they even had a "first ride free" promotion.
Can't believe how much people just believe everything they read
In both the Fowler and Kamal incidents, Uber's CEO did not dispute any of the allegations, and acknowledged and apologized for what happened. So, yes, I believe the allegations. Do you have any reason I shouldn't?
Lyft is absent from serious media promotion, and I wonder how they stay in business.
I use Lyft, and I know many other people that do as well. Uber and Lyft provide a near identical service at near identical prices. In that situation it is better to use the smaller company to help maintain a competitive market. Lyft is also a less scummy company, and all these stories about ethical lapses at Uber must be helping them.
When faced with a moral quandary, to just quit and walk away is not often the best course of action. It is usually better to stay and try to fix the problem. We need ethical people at the NSA, and the public's interest is ill served by the best people leaving.
Raw soybeans are toxic. Cooked soybeans are fine. For most people, soybean products are healthy food.
There is soy in many, many things, including many sauces and processed foods, so people with soy allergies are not going to be eating at fast food restaurants.
Isn't Uber "Over" in German anyway? Kinda prophetic.
In English, "Over" can mean "above" or it can mean "finished". The German word "Uber" shares only the first meaning, but it can also mean "superior".
These sorts of unshared dual meanings are one of the things that makes machine translation difficult. For instance, in Chinese the word "kai" can mean "open" and it can also mean "turn on". So when a native Chinese speaker is learning English, they will sometimes ask someone to "open the light". This can be especially confusing since the English phrase "close the switch" when properly translated to Chinese is "open the switch".
Catalan IS a Spanish language you shameless goalpost shifter.
Actually, Catalan is more closely related to French. So can you cite the Spanish law that requires waitresses to speak fluent Spanish OR Catalan (or Basque)? I don't think you can, because no such law exists.
Slashdot Mirror
I mean, yeah it's cold. But it's a perfectly normal temperature to see in winter in many places in the world.
-20C is extreme if we are talking about the temperature of a phone in your pocket.
I'm woefully unaware of state laws that make it illegal for machinery to safely operate in pedestrian right of way.
Maybe not states, but many localities have laws that prohibit powered vehicles from using pedestrian walkways. This is what killed the Segway.
I don't understand why this is needed.
It is needed to make Real Dolls more realistic. Actual human skin would be a great feature.
Fire and blacklist you so that new job you got will not hire you
Except there is no "blacklist", nor is there some back channel of communications between hiring managers at different companies. That is a myth.
Adjustable rate mortgages are usually cheaper than fixed rate mortgages.
Only for the first few years, when you are paying the introductory "teaser" rate. Then the rates are "adjusted" upward, even if overall interest rates don't rise. This was a one of the causes of the 2008 housing collapse, when borrowers were sold mortgages that they couldn't afford based on the teaser rate. ARMs almost never make sense for a borrower, and IMO they should be banned. They are deceptive and predatory.
Didn't you hear? Corporate taxes are eeeeeevil.
Actually, in many ways, they are. Corporate taxes are often seen as a way to make fat cats pay. But the opposite is true: corporate taxes tend to be regressive. If you tax a corporation, the money comes from some combination of shareholders, customers, and employees. The biggest shareholders are pension funds, holding the savings of middle class works. Big companies tend to make goods, while small companies provide services. So if you tax big companies, the tax burden is shifted to goods (disproportionately purchased by the poor) rather than services (disproportionately purchased by the rich). Corporate taxes also have pernicious side effects, such as pushing investment and jobs overseas.
If you want to target the rich, it is much better to make individual income taxes more progressive, rather than trying to do it indirectly by taxing corporations.
Being a cheapskate is a virtue in that organization
Sam Walton required Walmart employees who attended conferences or trade shows to return with at least three dozen free pens.
return left;
I think this should be
return left + 1;
Otherwise, your code looks good.
Welcome to America!
And who just memorizes all these random algorithms just to recite them at a moments notice?
You don't have to "memorize" any algorithms. You just need to be able use your brain, and understand some basic concepts, like "use recursive functions to deal with recursive data structures". That is something any freshman CS student should know. If they don't know it, President Trump should deport them.
Why not? If he's good at VHDL, he'll be fine.
Except his FPGA fails when the clock speed is boosted because he doesn't understand what a bypass cap is for. Fundamentals are important, even if you rarely need to apply them.
left as an exercise to the reader.
Here's my solution. Can I visit America?
#include <stdio.h>
#define NOT_BALANCED (-1)
struct BinaryTree {
struct BinaryTree *left;
struct BinaryTree *right;
int value;
};
int
binaryTreeDepth(struct BinaryTree *t)
{
if (t == NULL) {
return 0;
}
int depthLeft = binaryTreeDepth(t->left);
int depthRight = binaryTreeDepth(t->right);
if ((depthLeft == NOT_BALANCED) || (depthRight == NOT_BALANCED) ||
(depthLeft != depthRight)) {
return NOT_BALANCED;
}
return 1 + depthLeft;
}
If not, does that mean all programmers in those languages are incompetent, by your logic?
A professional programmer should be aware of common concepts even if he doesn't use them daily. An "abstract class" is not an obscure concept. Would you hire an EE who doesn't understand amps and volts, just because he specializes on VHDL digital logic?
Not once since college have I ever had a need to write code to construct or balance a tree on my own.
Neither have I, but it is a trivial task.
I doubt very much that I could come up with a function to balance a tree out of the blue with no prep or review
Really? You just walk the tree, and return false if any leaf is deeper than the others.
nor is there much real world need for most developers to do so.
That is sort of the point. It is a simple, trivial task like "reversing a string" that nobody actually needs, but is still a good test of basic competence.
I am impressed with the questions. These are questions that any competent programmer should be able to answer, but a non-programmer (such as a shoe or underwear bomber) would not have a clue. This actually seems like a pretty good test. If they did this to me, I would be more pissed about having to sit around for over an hour beforehand. Of course, it wouldn't happen to me because, hey, I'm white.
That's great and all, but in America we still have a culture of tipping for many service sectors.
Sure, but that can change. For instance, fast food restaurants discourage tipping, and as a result McDonalds workers are paid more than a waitperson at a low end sit-down restaurant where tipping is expected.
Similarly, as we make the transition away from taxis, that is also a good time to dump the tradition of tipping drivers. Uber used to explicitly state on their website that "tipping is not expected". They no longer do that, but many, and perhaps most people do not tip rideshare drivers.
And, I can't even tip using the app.
That is a feature, not a bug. Tipping is stupid. Drivers (and waitresses) should be paid a fair wage, and the cost of providing the service should be included in the price. People feel social pressure to tip even if service is mediocre. Many countries do not have a culture of tipping, and the service is just as good, or better, than what you get in America, and service people have a more reliable income.
The lack of tipping is one more reason that I prefer ridesharing over taxis.
Uber is currently cheap because they're using VC money to subsidise every ride
Sure, but Lyft is doing the same, and also burning through cash. Their prices are nearly identical. When I switched to Lyft, they even had a "first ride free" promotion.
Can't believe how much people just believe everything they read
In both the Fowler and Kamal incidents, Uber's CEO did not dispute any of the allegations, and acknowledged and apologized for what happened. So, yes, I believe the allegations. Do you have any reason I shouldn't?
Lyft is absent from serious media promotion, and I wonder how they stay in business.
I use Lyft, and I know many other people that do as well. Uber and Lyft provide a near identical service at near identical prices. In that situation it is better to use the smaller company to help maintain a competitive market. Lyft is also a less scummy company, and all these stories about ethical lapses at Uber must be helping them.
Then he should have left after Snowden.
When faced with a moral quandary, to just quit and walk away is not often the best course of action. It is usually better to stay and try to fix the problem. We need ethical people at the NSA, and the public's interest is ill served by the best people leaving.
not all of that is cells. A large amount is water.
Except that water doesn't have soybean DNA. So that doesn't explain the problem.
Many of the very best meat dishes in the world at the very best restaurants are not 100% meat.
Then they shouldn't call it "100% meat". The problem is not blending meat with soy. The problem is that they are lying about it.
Raw soybeans are toxic. Cooked soybeans are fine. For most people, soybean products are healthy food.
There is soy in many, many things, including many sauces and processed foods, so people with soy allergies are not going to be eating at fast food restaurants.
This email sounds sincere, which is, indeed, a good sign.
Yes, it does indeed sound sincere. The PR consultant that wrote it deserves every dollar he was paid.
Isn't Uber "Over" in German anyway? Kinda prophetic.
In English, "Over" can mean "above" or it can mean "finished". The German word "Uber" shares only the first meaning, but it can also mean "superior".
These sorts of unshared dual meanings are one of the things that makes machine translation difficult. For instance, in Chinese the word "kai" can mean "open" and it can also mean "turn on". So when a native Chinese speaker is learning English, they will sometimes ask someone to "open the light". This can be especially confusing since the English phrase "close the switch" when properly translated to Chinese is "open the switch".
Catalan IS a Spanish language you shameless goalpost shifter.
Actually, Catalan is more closely related to French.
So can you cite the Spanish law that requires waitresses to speak fluent Spanish OR Catalan (or Basque)?
I don't think you can, because no such law exists.