Career coach, programmer, author, speaker. Former engineer & manager @ Chime, Robinhood, Facebook, Wandou Labs, Yahoo, Baidu. Career coaching available.

Joined March 2007
2,148 Photos and videos
美国远没有「首付跌没了,可以把房子直接丢给银行」这么简单,要看各州法律,以及在法律允许之下合同具体怎么写。 在加州,自住房的初次贷款受保护,银行不得追讨房屋售价和房贷余额之间的差额。业主可以提议市价出售,售价全额抵消贷款,但银行有权拒绝。业主也可以提议以房换贷,银行拿钥匙结束房贷,但银行同样有权拒绝。最终业主可以拒交房贷,120 天后银行收楼,房贷终止。 无论如何一种情况,都会上业主信用记录。银行收楼的话,会信用记录上保留 7 年。 个人投资房不受上述保护,商业实体购房同样不受保护。就算是自住房,如果曾经因为市价上涨而做过 cash-out refinance,cash-out 的部分不受保护。把同一套房子进行二次抵押的 HELOC 同样不受保护。不受保护意味着银行可以选择追讨差额。 银行放弃追讨的差额,在联邦税法上会被认定为收入。例如说,你借了一百万,还了八十万,银行放弃追讨剩余二十万,本质上你赚了二十万,要当作收入算个税。
很多大陆人,一提到中国政府债务,就拿美债说事儿,你看,美国政府也债台高筑…… 美国国债,没有内外债之分,这是美国经济的内功,美元没有汇率问题,储备货币不存在汇率问题。 美国人买了房子,首付跌没了,可以把房子直接丢给银行,中国人,别说房价下跌,就是房子烂尾了,也要继续向银行供款。 按道理说银行是国有的,国家给兜底,银行收到烂资产直接打包给国资委不就完了? 不行,银行会拉黑你的征信,如果你有工资性收入,银行和人民法院一定会追到底,逼你还债,中国没有“个人破产”制度。 内债不是债,到你这里就不灵了,你想把房子丢给银行,就是把债务转移给“国资委”,转移给国家,党和政府会立即用“人民民主专政”手段对付你。 你的债你自己背,党和政府的债务你也要背。 按道理说,政府拿了卖地收入,吐出来一点不行吗?不行,一毛不拔。 中国中央政府,是全世界财政最健康的政府,债务在地方政府、在民间,而地方政府,负责教育医疗养老。 中央政府从来不需要过紧日子,只要党指挥枪,中央就不缺钱,“过紧日子”是逗你玩儿的,垄断的政府不需要过紧日子,央视拿到世界杯转播权转手加三倍卖给民企。 债务压给民间,中央政府做的是永远不亏本的生意。
1
3
22
5,046
Fitness shows episodes you haven’t completed by default in iOS 27.
1
1
688
由 David Sacks 转述的美国政府立场:因为 Fable 被越狱,所以我们要求修复或下架。Dario 拒绝,我们「百般无奈」实施了出口管制。 这里真正有争议的是对「越狱」的定义。Anthropic 认为普遍适用的越狱手段(universal jailbreak)才算是越狱,例如说一句咒语解除 Fable 安全防御系统,然后用户可以为所欲为,叫 Fable 进行网络攻击或制造生化武器。 此前安全研究员 Pliny the Liberator 宣称成功越狱 Fable,但 Antrhopic 认为那不算。Pliny 说他成功逾越了安全防御系统,跟能造生化武器的 Fable 说上了话。Anthropic 说截屏中的部分对话并非来自 Fable。双方对此次攻击的深入程度都无法达成共识。
I’ve had a number of conversations with folks inside and outside government about the current situation with Anthropic, and here is what I believe to be true: — As we know, Anthropic publicly released its Mythos class models earlier this week under the commercial name Fable. — Fable is Mythos with guardrails. But if those guardrails fail, then you’ve exposed Mythos and its advanced cyber capabilities to people who shouldn’t have them. (Keep in mind that Anthropic itself widely promoted the idea that Mythos was a cyberweapon and needed to be regulated as such. They asked for government regulation of Mythos and championed the guardrails on Fable. If there is a vulnerability — big or small — it is Anthropic’s responsibility to patch.) — A highly credible trusted partner of both Anthropic and the USG who was testing Fable came forward with a jailbreak of those guardrails. The Admin asked Dario to fix the jailbreak or de-deploy the model. Dario refused. — In their blog post, Anthropic defended its decision by saying the jailbreak isn’t serious. That is not what the trusted partner and the USG believe; nor is that kind of minimizing language consistent with Anthropic’s brand as the AI safety company. It’s difficult to fathom how they could claim a jailbreak allowing operability of a cyber weapon could be defined as not “serious.” — In the past, Anthropic has always said that safety must be top priority and taken super seriously. In this case, Anthropic prioritized the continued offering of the consumer model over safety. — In reaction, the Admin issued the export control. The Admin did this reluctantly. It’s been very surprised that Anthropic hasn’t wanted to cooperate with a reasonable safety request (ie fixing the jailbreak issue). Anthropic’s reaction is very much at odds with their branding and ethos as a safe AI research community. — The Admin’s hope now is that Anthropic remediates the safety issue, the export control is lifted, and Fable goes back into general release. The Admin wants all of this to happen as soon as possible. It is frankly bewildered that Anthropic hasn’t wanted to comply with safety requests that it previously said were its highest priority. — Those trying to misdirect and tie this action to the prior DoW/Anthropic issues are wrong. The Admin values Anthropic’s technical capabilities and feels that this issue, while serious, should be easily resolved. The ball is in Anthropic’s court.
2
3
35
16,414
Cat Chen, @catchen@mastodon.world retweeted
in the 1990s, the US government classified 128-bit SSL encryption as a "munition" under ITAR, putting it in the same legal bucket as missiles and tanks. As a result, Netscape and Microsoft had to develop two entirely separate versions of their web browsers:
17
71
1,518
95,302
Cat Chen, @catchen@mastodon.world retweeted
How far is FIFA going with its brand restrictions? The condiments at the Levi’s Stadium press box have all been taped over 😆
278
850
10,385
1,287,409
Cat Chen, @catchen@mastodon.world retweeted
写代码和做投资,听起来是两条平行的职业轨迹。我们邀请两位从软件工程师成功转型为风险投资基金管理人的朋友。他们和大家分享从码农走向投资人的心路历程。从早期的试水投资,到全职做基金,他们是如何完成从零到一的跃迁?工程师的背景在投资中究竟是降维打击还是水土不服? avocadotoast.typlog.io/episo…
2
13
3,069
This is way more widespread than covering up a real-life logo. Both Apple Maps and Google Maps are updated to use the new name. Even Wikipedia is edited recently to mention the new name.
As it wasn't an official sponsor of the FIFA World Cup, Levi's was asked to hide its logo on Levi's Stadium (Santa Clara, California). And they did it in the smartest way possible. #WorldCup #FIFAWorldCup #Levis
7
16,042
Cat Chen, @catchen@mastodon.world retweeted
Apple Maps knows what Americans truly want
28
137
7,151
312,794
将来大模型获得「商务部认证」会不会变得跟多年前社交网站获得「防火长城认证」一样有价值?没被认证,意味着你还不够重要,可能作出的破坏力还不够大。 #gfw
2
819
Cat Chen, @catchen@mastodon.world retweeted
If you work with images with text, or scanned documents, here's a small but powerful OCR CLI It leverages Apple's Vision Framework so it's completely local Tip: give it to your agent to save on vision tokens! → npx mac-ocr ./image.png github.com/privatenumber/mac…
8
27
412
30,945
最无耻的是某些应用把 double tapstart(而非 double click)当作点赞,迅速滑动时 flick 两下就被当作点赞了。(没错,说的就是你,知乎!)
当在手机上双击将图片放大已经是系统级的习惯时,将它用作点赞真是让人发指的体验。
2
1,016
美国公民的生财之道:愿与任何需要美国国籍的 Anthropic 员工结婚,禁止任何婚前协议。(这当然是个笑话,跟美国公民结婚后要满 3 周年才能入籍。)
I’m willing to marry any Anthropic employee who needs a US citizenship
1
12
3,602
还有不止一个人愿意开这样的条件呢。 x.com/theandipenguin/status/…

I am willing and able to marry any Anthropic MTS who needs their Mythos access back
3
1,026
充满外籍员工的创业公司很快就要从美国大农村招人——「那个有 Fable/Mythos 权限的美国人」。
Startups are soon going to hire randos from rural America. Job title “guy with Mythos access”.
3
39
9,851
Gemini 嘅广东话听力完全唔得啊!叫佢将 Daily Brief 改到每日早上八点,都要搞咁多次。
1
6
1,308
美国驻华领事馆强调,中国不承认双重国籍。使用中国签发的证件(包括台胞证和旅行证)入境,又或者是持有中国身份证件(身份证或户口本),遇到边控、拘留或失踪时美国政府无法为当事人提供领事服务。
Read more on our Destination Information Page for China: travel.state.gov/en/internat…
2
23
35,588
Cat Chen, @catchen@mastodon.world retweeted
Anthropic 有种自命不凡,总觉得自己是把 AI 引入人类文明的先知,所以要教化众生。结果关键还是在 Anthropic 要努力上市的时候,弄巧成拙哇。Anthropic 原本想靠 safety 获得合法性,结果 safety 变成了管制理由。简直是中世纪教会与王权冲突的AI 版复刻:A 社辛辛苦苦写了神学体系,最后神权被国王接管了,叙事被夺舍。 OpenAI 在安全这方面就低调很多。ChatGPT 的 safeguard 也是一个离谱的,但是没有像 Anthropic 这样胡吹海吹。而且一旦开了模型可以被出口管制的先例,整个 AI 圈都会恐慌,这下所有人都知道 safety 意味着监管风险了。 我感觉A社就是没有感受过共产的魅力,现在被政府管了就知道疼了。三权分立把美国人保护得太好了,很多美国技术精英对行政权的原始形态缺乏肉身经验,没有沐浴过共产的光辉。他们平时看到的是被宪法、法院、媒体、议会、行业游说软化过的权力;于是误以为权力天然会讲道理。 就像短视频在迎合男生想象中的女生,而不是真实的女生;Anthropic 想象中的政府——温柔、讲理、崇拜技术专家、愿意被“正确的安全理念”感化。短视频里的“女生”经常不是现实中的主体,而是男性欲望投射出来的角色:温柔、崇拜、懂分寸、不会真正挑战男方秩序。Anthropic 想象中的政府也差不多:它不是一个真正拥有暴力、边境、军工、情报、出口管制权力的主权机器,而是一个会坐下来听 AI safety seminar 的理性观众。
24
50
406
35,368
#TIL Claude has a tool use limit per turn. When it hits the limit it has to end the turn and asks me to start another turn.
1
901
Cat Chen, @catchen@mastodon.world retweeted
As it wasn't an official sponsor of the FIFA World Cup, Levi's was asked to hide its logo on Levi's Stadium (Santa Clara, California). And they did it in the smartest way possible. #WorldCup #FIFAWorldCup #Levis
135
1,019
25,409
2,704,284
Cat Chen, @catchen@mastodon.world retweeted
5月31日,知乎问题“马尔科·卢比奥为什么那么恨古巴呢?”下 答:“非常热爱他的祖国古巴,但十分憎恨现在的古巴政权”
108
88
2,164
145,939