Anecdotally, Azure OpenAI is a big player in the mid sized enterprise market and up. Lots of corps want to use OpenAI models, and the easiest way to onboard is to just spin up Azure OpenAI. You already have an agreement, your legal department is fine with it, you have a MS rep etc.
I think tons of businesses look to Microsoft first when it comes to AI solutions. I'm not saying they have the best products, but when has that ever stopped them?
The main benefit most people see right away is the Pydantic integration & it requires less boiler plate for basic API's. Ninja is essentially FastAPI + Django.
I prefer Ninja over DRF, but I know plenty of orgs who still love their class based DRF views as once you are over the (significant) mental hurdle of understanding all the abstraction there, it does give you the common CRUD type operations on your models "for free".
Agreed on this point, I don't want to be subsidizing insurance or paying for multi millionaires homes to be rebuilt.
I truly feel bad for the people who lost their homes, it's awful. But it shouldn't be the tax payer who picks up the tab. If insurance is so prohibitively expensive you can no longer afford to build there, then so be it - you can't afford to live there after all.
Are you subsidizing them, though? High-risk areas often require expensive insurance addendums or proof of self-insurance. We deal with this in Houston and our numerous pockets of 100yr floodplains.
California only recently dropped the twin requirements of "insurance cannot be priced according to future models" and "insurance premiums can only rise X% per year", the effect of which that everyone else definitely was subsidizing the people in wildfire zones.
>But it shouldn't be the tax payer who picks up the tab.
Rebuilding is exactly what paying taxes are for. We've been giving too much of it to corporate interests, why not give some to the citizens? What are we, nodes of the Matrix, supplying the machine with labor for nothing but an illusion of a decent life?
Keep in mind that for many expensive homes, much of the expense is in the location, and not the home itself. It doesn't cost the market value of the house to rebuild it on the same spot. It's also not free, and in mass disasters it can be more because of shortages, but it's still less, often significantly so, than the market value.
The flip side can also be true, where the replacement cost of a home is higher than its market value. Always be sure to insure your home for at least the replacement cost.
That’s simply not true. In high col areas like this and especially on custom homes that were well built rebuilding is much more expensive than appraised market value for structures.
Part of that is easily attributable to depreciation of the structure but another large portion is the large increase in skilled labor costs in the last couple years.
This strikes me as not understanding the limits of private insurance. There wouldn’t be earthquake insurance across much of California if the state didn’t provide it. Private insurance isn’t generally able to withstand large calamities which result in many thousands of high dollar claims in a short period of time.
You can insure against a very expensive event that is very likely to happen; it's simply that the premiums for that insurance will be very, very high. If you're "insured" for a catastrophic event that is likely --- for instance, a home in Pacific Palisades of any sort --- and your premiums look reasonable and bearable, then the odds are you're not insured, you're subsidized.
Private insurance can and generally withstands large calamities (known as natcat losses) without government intervention via the utilisation of global reinsurance organizations. Especially for earthquake, a properly reinsured insurance can cover a large earthquake loss about once every 15-20years
Re-insurers also re-calibrate their rates, which may mean private may be effective ... until the first big disaster whereafter the re/insurance premiums become eye-watering.
> There wouldn’t be earthquake insurance across much of California if the state didn’t provide it.
That’s fine. If it’s not possible to buy insurance for a particular house at a price that you can afford, don’t live in that house. The state’s other taxpayers shouldn’t be assuming your financial risk.
Say the city has invested in infrastructure, has a thriving industry etc. That typically isn't "portable". To get a return on that investment they need residents.
The residents naturally want things like insurance etc. It's high though - a barrier to entry. The city runs the numbers and decides that a resident is a net win even after insurance subsidies are applied.
Now granted, the calculation isn't that simple, and usually these things come with much hand-waving. But its not as simple as "other tax payers assuming the risk".
Generally, high-density building produces more net income for a municipality. Especially couple with California’s Prop. 13 means that there is a LOT of high-dollar real estate that’s not contributing equitably to the state’s budget.
How would it be profitable for the government to provide insurance if it’s not profitable for a private insurer? My impression is that private insurance premiums are a lot higher than the portion of local taxes that could be allocated to insuring homes.
It seems like sunk cost fallacy is at play here. When is it time to stop throwing good money after bad, and start thinking about a managed retreat?
Government takes in other taxes. The case being made is that the city wouldn't exist without being living there. So, the local government has a particular interest to enable people to live there by subsidizing.
Private insurance doesn't have the same upside
I don't know if I agree with this but am answering your question fwiw
I think in this scenario the theory is that the city will take in more in taxes than they spend in subsidies. I have no idea how realistic that is, but it seems very similar to saying that they could buy this person a house in exchange for just living in it and paying taxes, which is something I've never heard of happening.
It’s not enough to take in more in taxes than they spend in subsidies. If they’re spending that resident’s taxes on paying subsidies, there’s none left for paying for the other public services that the taxes are also supposed to pay for.
Yeah, it seems like it might pencil out if the housing is very cheap to replace (and therefore insure) but the tax revenue you can gain from it is high. Since local taxes are mostly property taxes, this is basically a paradox: if the property is cheap, the taxes will be too.
That said, there are some cities that have a local income tax so, in theory, one can imagine a scenario where, as a development project, some local government convinces high-income artisans or work-from-home workers to move into extremely cheap housing by subsidizing their disaster (flood, fire, earthquake, etc.) insurance. This is again likely a paradox: if high-income people wanted to live there, the housing wouldn't be cheap anymore.
The premium on insurance of last resort are quite high they may do enough to cover costs or they may not but it’s hard to Predict and model so private parties don’t bother. The juice just isn’t worth the squeeze so to say
I thought it was pretty bad. It made Napoleon out to be uncharismatic and a total "simp" as the kids would say towards Josephine. He just comes off as a war monger Dictator who is ruining Europe for his single-minded vision of personal grandeur.
That's not the read I get on the man from my reading, so I found it very disappointing from a historical perspective.
From the "is it fun to watch" point of view... it was middling for me. Some of the battle scenes were cool, and there were some funny lines throughout that made me laugh, but overall as a story I found it pretty uninspired. Like, Gladiator had tons of historical inaccuracies as well, but it stood on its own as a really fun movie to watch and I can't put Napoleon in that category.
Demon 71 is fantastic. Art direction, music selection, style in spades. Very clever twists on the old horror genre with small camera trick homages.
The one in space featured excellent acting from the actor formerly of Breaking Bad. The level of human cruelty on display left me reeling for a good day and a half.
Honestly, this is one of the stronger seasons. My favorite episode remains Crocodile from a season or two ago: its actress remains criminally underrated.
This kind of evaluation, ie. "it is pretty bad" is where experience have told me that unless I know the person giving feedback, predictive power on how much I will agree is zero. What is bad? I watched just one episode so far and loved it, are all the other rehashes of previous themes with obvious low budget and bad actors?
Yeah you could immediately tell it went off-nominal if you played kerbals before. I always thought the way kit works in KSP isn’t realistic. Well turns out it’s quite the opposite :)
I've been leveling up since I started as a helpdesk rep at 18, becoming a Windows sysadmin, then a junior dev, and now a senior dev. College was not an option for me for reasons totally outside of my control, as my parents decided to not do their taxes for a number of years and I was unable to get any financial aid (grants or loans) whatsoever.
I scratched and clawed, read tons of books, blogs, spent extra time polishing features beyond what was needed so I could learn new skills... but now I am a father of two young kids, with a wife. How long am I supposed to put in all this extra work? I'm likely slightly above average intelligence, but I'm far from being at the level where I could be an AI researcher... if I am even capable of doing the kind of math required there, it would require many years of learning.
GPT4 isn't going to replace me, but watching this space unfold really has me worrying about the versions that come out over the next 2-5 years.
A human is only so moldable, and while I am more than happy to learn new skills, I have no idea where to even start. What profession is safe? Where will the growth be in a field that will have equivalent or even near equivalent earning potential?
If GPT ends up getting to the point where it can replace me at my job, I really have a hard time thinking of a career path I could get into at this stage in life. It would need to be able to architect systems at a high level, write code to implement various features, communicate with stakeholders, document design decisions... if it can do that, it can do a whole hell of a lot of other jobs too.
Once it gets to that point, I don't think physical jobs will be that far behind on being automated either. We already have robots of all shapes and sizes (including bipedal), the main thing slowing down their deployment is that they aren't adaptable enough. With AGI, that changes. It will take a bit longer due to the capital requirements and factory build outs that would be needed.
No jobs will be safe. In the very, very near future.
GPT-4 is a very capable systems architect and can also implement the code. There are a few tools available to put it in a debug loop. Writing documents is a walk in the park for GPT-4. Emails or Discord chats or even perfectly realistic voice conversations are completely doable (I have that on my website).
At this point it's about connecting things together and looping them properly to automate a very high portion of jobs.
I think the answer is not employment but rather production. Think of something you can leverage these AIs that would be interesting or useful to someone else or some business.
Beyond that things like UBI and generally better integration of technology into government is going to be critical for our survival. Especially decentralized technologies and real-world resource data.
I saw this effect directly in Eve Online. In the early days there was a lot of experimenting with how exactly to organize these large groups of players. Some groups tried democracy of some flavor or another, others dictatorship. Dictatorship easily won out in the end.
Most "dictators" in Eve actually end up being pretty good at their job, because it is a cutthroat market, and the most precious currency is players willing to fly for you and they can easily leave to join another group should you piss them off and not take care of them.
Cliff, I just wanted to take a moment to say that The Cuckoo's Egg was formative in my youth and was definitely one of things that led me into getting into IT and programming. You just seem like such a nice, wonderful, fascinating human. Hope you have a great day!
Thanks to you, GTMTDI! May your career be as satisfying (but hopefully less interesting) than mine.
My day? Oh, it looks like I'll be sending out Klein bottles (thanks to Hacker News people!). I suspect that I'm the only shipping clerk in Northern California with a degree in planetary physics.
YT TV DVR is best in class in my experience. You can set it to record every NCAA men's basketball game that ever airs if you want, or just your team etc.
I think tons of businesses look to Microsoft first when it comes to AI solutions. I'm not saying they have the best products, but when has that ever stopped them?