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bkberry352

112 karma · joined April 30, 2013

email: <2 digit initials for this site> at bkrelay.mozmail.com
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bkberry352··on Allstate used GasBuddy and other apps to track driving behavior: lawsuit
The apps allow you to mark the trips on which you were a passenger and those aren't counted
bkberry352··on Allstate used GasBuddy and other apps to track driving behavior: lawsuit
Yes, models have to be shared with regulators and the regulators have to be convinced that the premiums insurers wish to charge are actuarially justified (supported by the data).
bkberry352··on Allstate used GasBuddy and other apps to track driving behavior: lawsuit
That's for the corporation as a whole and counts the net of investment profits and insurance losses. If you open their earnings release, you can see combined ratios over 100%, indicating that the total cost of operating the insurance is negative, but this is offset by investment profits (as the original commenter mentioned - they make money off the float).
bkberry352··on SpaceX to deliver vehicle to deorbit International Space Station
Answered in their FAQ[1]:

> Decommissioning by boosting an object to a higher “graveyard” orbit to extend orbital lifetime is often done with smaller satellites operating near geostationary orbits (~36,000 km in altitude). This is not a realistic target for space station decommissioning because of the large mass of the space station and distance from its operational altitude to a “graveyard” orbit. Existing propulsive assets (spacecraft) do not have the capability to raise the space station’s altitude to such a high target.

[1] https://www.nasa.gov/faqs-the-international-space-station-tr...

bkberry352··on California's largest home insurer won't renew 72,000 policies
Reinsurance doesn't make the problem go away. Sure it caps State Farm's exposure to these correlated events, but it won't bring their combined ratio into balance. State Farm would still be on the hook for the first $XXX million in losses. I would also expect it to be harder (read: more expensive) to buy the reinsurance given the increasing risk.
bkberry352··on Wheel falls off United Airlines Boeing 777 and crushes cars in San Francisco
Correct, the pilots did not have any indication in the cockpit. ATC had to identify which plane the tire fell from, contact the plane, the plane had to talk to their company before deciding what to do.
bkberry352··on Ask HN: Tech career advice for unsexy but decently paying jobs($100k, US remote)
Strongly recommend insurance or financial services in general. Many are flexible with remote work, and some are now fully remote. The meeting load is moderate, but the actual work load is low, timelines are very long and low on stress. Plus, health insurance benefits are usually decent.
bkberry352··on Why everything looks the same
Where are you that your Trader Joe's are like this? Every one I've been in is set up just like a normal grocery store with aisles
bkberry352··on Mortgage Rates Jump Above 6%, Putting Pressure on Housing Market
That's more or less what the data you linked to[1] demonstrates: a us average 3.5% increase per year. Not a median though, a mean. The median increase is probably more like 2% per year, but a lot of that seems to be localized to areas that didn't recover after 2008. If your area recovered after 2008, we can assume it's in demand and likely to continue to appreciate faster than the median, or closer to the 3% figure.

[1] https://www.visualcapitalist.com/20-years-of-home-price-chan...

bkberry352··on The end of the manual transmission is near?
That's already happening in the sense that companies are able to offer these discounts for their telematics-using customers by surcharging all their other customers. If you're not using one of these devices, you're already paying for it, even if it's not formally recorded as a fee.
bkberry352··on Ask HN: Anyone working 4 day week here, as an employee?
Telling this first is a good way to have every company think that 5 days/week is an organizational requirement and brush off the candidate. Having the candidate wait until after the interview puts them in a much stronger negotiating position, namely it forces the company to assess whether or not 5 days a week is a legitimate requirement or not. Many parts of the interview process are unfair to candidates, such as not advertising salary ranges in advance, forcing candidates to take vacation time to attend interviews, etc. This is merely a way to balance the scales away from the company, which generally holds almost all of the power in a negotiation, especially at the start, before an offer is made.
bkberry352··on Steve Teixeira, Mozilla’s New Chief Product Officer
> You don't need to track every single mouse-click, visited site, or anything else. They don't track mouse clicks or visited sites. You can see everything collected by going to about:telemetry
bkberry352··on Steve Teixeira, Mozilla’s New Chief Product Officer
HDR support for YouTube has been available on Mac for a few versions now: https://www.mozilla.org/en-US/firefox/100.0/releasenotes/
bkberry352··on Ask HN: How to find a small town to relocate for remote work?
Agree, Corvallis rocks. Beautiful weather, decent food, close to cities, mountains, the coast. Not sure where the down votes are coming from, maybe to stop you from letting the secret out?
bkberry352··on Ask HN: How to find a small town to relocate for remote work?
It's the opposite where I am: landlords raising rates to capture more of those sweet student loan dollars. The policy of making access to credit cheap and ubiquitous for students has led to drastic growth in rents (in addition to a large expansion in college amenities and administration). That's what's pricing out locals: students paying for housing with borrowed money.
bkberry352··on New Home Prices Are Starting to Drop
Very low probability? No way. They push the rates lower than ever before during each crisis, we just have to wait till the next one.
bkberry352··on Google delays phasing out ad cookies on Chrome until 2024
No, it's not true, anyone can opt out of telemetry at any time via about:preferences, you don't even need to go to about:config https://support.mozilla.org/en-US/kb/telemetry-clientid
bkberry352··on Google delays phasing out ad cookies on Chrome until 2024
> If you're fine with sending to Mozilla everything you type into the address bar...

That ability is opt-in only. By default, Mozilla does not see anything typed in the address bar. One has to manually turn on "Improve the Firefox Suggest experience" in about:preferences. https://support.mozilla.org/en-US/kb/firefox-suggest?as=u&ut...

bkberry352··on Google delays phasing out ad cookies on Chrome until 2024
There is a way and it's officially documented: https://support.mozilla.org/en-US/kb/telemetry-clientid just go into about:preferences
bkberry352··on Google delays phasing out ad cookies on Chrome until 2024
Uhh, you absolutely can disable telemetry, it's in the Privacy and Security section of about:preferences, see here: https://support.mozilla.org/en-US/kb/telemetry-clientid . Disabling telemetry is also interpreted as a deletion request, so anything collected so far will be deleted.
bkberry352··on Finally, no bid on mortgage-backed securities
Can you put some money into instruments to hedge against rising interest rates? Something like TBT comes to mind (it's a fund that's short treasuries basically, so increases in value when interest rates rise) or buying puts against long bond funds.
bkberry352··on Finally, no bid on mortgage-backed securities
The majority of American homes are fixed for 30 years
bkberry352··on LibreWolf – A fork of Firefox, focused on privacy, security and freedom
Telemetry waits 30 minutes to start sending to give users time to opt out, see the note in the documentation: https://firefox-source-docs.mozilla.org/toolkit/components/t...
bkberry352··on How Zillow's homebuying scheme lost $881M
Mostly that they no longer have to compete with Zillow
bkberry352··on LibreWolf – A fork of Firefox, focused on privacy, security and freedom
What part of the telemetry is aggressive?
bkberry352··on Mozilla patches two use-after-free vulnerabilities (ab)used in the wild
What features are you referring to?
bkberry352··on Spotify sees spike in traffic to cancellation page: 196% week-on-week
A 200% increase in the weekly baseline? That’s… not actually all that much. Basically 2 extra weeks worth of cancellations. It’ll make the KPI look bad, but 70k cancellations doesn’t seem material when you have almost 200m users.
bkberry352··on Ask HN: What are well-paying alternative jobs to being a software developer?
Other commenter is right that a Bachelors and passing the exams are required. The work certainly does get boring, but is extremely stable with, usually, excellent work life balance. It's very possible (in the US) to spend ~7 years working/studying to pass the exams and now you can make 150-200k USD/year while averaging 35 hours week for the remainder of your career.

One major difference in comparison to software is the extremely long project timelines. Loss model refits/remodels are planned years in advance, it can easily take 6 months back and forth waiting on states to respond to filings, etc.

bkberry352··on Ask HN: How to continue to be gracious about the good fortune of rich friends?
In the current US market? Pickups...
bkberry352··on Stripe hiring issues make some lose job offers
I've never signed a piece of paper with my pay before starting in the us, and I've worked several jobs here. For a few, I've not received a "formal" offer letter, just had discussions with the recruiter.
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