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j_mo

113 karma · joined December 27, 2020

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j_mo··on Ask HN: Those making $500/month on side projects in 2021 – Show and tell
PHP app with no upgrades in 8 years? Jheez, that sounds like a black hat hacker's dream...
j_mo··on Amazon to stop accepting UK Visa credit cards
Yes, a few banks now offer 95-100% LTV mortgages for first time buyers.

In our case, the bank required a savings account containing a 10% deposit in the name of a family member, which is returned to them with interest after 3 years (unless you fall into arrears). ~50% of that money was our own savings and the rest was from parents savings, which allowed us to get on the property ladder with ~1yr less saving and no cost to our families after the 3yr period.

j_mo··on Amazon to stop accepting UK Visa credit cards
100%
j_mo··on Amazon to stop accepting UK Visa credit cards
That's odd, I got a mortgage approved at 19yrs old, in the UK, with no credit usage/history whatsoever. I had a credit card but I'd held it for about 3 months at the time, and have never used it to this day.

Only since then have I actually had anything on my credit report (monthly broadband payment, phone contract, monthly car insurance payment because I didn't want to keep paying the whole 3k up front every year after moving out, etc) and despite that the score has remained unchanged.

j_mo··on HTTP is obsolete – it's time for the distributed, permanent web (2015)
I think "you host mine, I'll host yours" works better here than a financial incentive.

If you can specify "I've got 1gb spare to replicate other people's assets, as long as each of them replicates mine in return" then your incentive to replicate other people's sites is more redundancy and bandwidth for your own.

If you also prioritise files that have the least replicas across the entire network, and allow servers to re-distribute the content they are replicating, it would surely become quite hard for a file to be lost forever.

This makes more sense to me than having each site pay for their own data to be replicated, because those who don't pay don't get their content replicated, which results in missing content when the server eventually disappears. That is just as bad as HTTP.

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