skysight-inc/HackerNews huggingface dataset:
I think that there are 2 things that will likely continue to help robo advisors:

1) Vanguard or Charles Schwab products that do automated investing likely take an opinionated approach towards only owning their own assets. This means that the amount of the investable market I can actually buy into at any point is much smaller, and possibly less optimal. I imagine this also has an impact on how effective the robo advisor can tax loss harvest.

2) Betterment has shown their cards (in my opinion) once they started allowing users to link external accounts. Initially it has been exposed as a way to track networth and investment progress towards your goals. However, I'm not convinced it will stop there. The obvious next step is that Betterment will manage your asset allocation, monitor wash sales, etc across all of your investment accounts, regardless of whether they actually have the money invested through them directly. In this way, they are an ambivalent service that you pay for.
I was just using it as an example where the effective rate ends up nowhere near the rates people temd to talk about - I've seen a lot of prior talk about state taxes for engineers mentioning rates like that too, and did a quick lookup on online income tax calculators to make the point that effective state income tax rates in California are not as straightforward as looking up a % and quoting it.
There is no such thing as intrinsic value. All value is subjective. Any item has no value unless an observer is present to value it. An, unsurprisingly, different observers will value the object differently, often wildly so.

Price is an extremely rough heuristic on the median or average valuation of an object. However, the majority can often be short-sighted at times, leading those who are looking more longer term to make statements like "the price doesn't reflect the intrinsic value of this thing". But even then, the big picture thinkers are of course assuming that the long view is the "correct view", when really, there is no single "correct view". How would one even go about attempting to define such a thing? It's all subjective.
Do you always give out free psychological evaluations over the internet? Thanks for explaining my own worldview to me. I really appreciate it.
> play by the same rules as everyone else

Actually, your "everyone else" who play by the Western rules, is probably less than half of the world population.
I have a coworker whose last name is Corp. He was unable to create a Google+ account for a couple years and had a bit of difficulty with his Facebook account because they assumed he was a business.
Quicksilver Mac ~2001 was my favorite mac of all time: http://www.ixbt.com/cpu/mac-vs-x86/macopen.jpg
Most of the time when I see people complain about CSS it's because either they don't know how CSS works, or they want it to do something it wasn't designed to do in the first place.

Most of the time it's because they don't know how it works.
Cotard delusion
How is Null as a name a problem? Null value and null string are different.
If you're interested in the testing techniques used by established open source software, here are a couple projects that appear to have far more extensive test coverage than LLVM:

SQLite ( https://sqlite.org/testing.html )

Opus ( https://www.ietf.org/proceedings/82/slides/codec-4.pdf )

I don't mean it as criticism of the LLVM project, as I haven't worked with it and can't say whether its tests are sufficient. Only that, from reading this overview, its testing techniques do not seem particularly elaborate.
The Finnish Model: Helsinki prepares to give every citizen €800/mo
A similar thing happened to me with Google Images. They were unintentionally a major source of my traffic. Some years ago Google changed their Images service so that it continued to take images from other websites but was very unlikely to send people to the source.

It surprised me how little fightback there was to this change. So, anyway, never rely on platforms like that, always assume it's a temporary arrangement (especially if the platform is run by a major player).
From my understanding, they ran word2vec [1] on their email dataset. Anyone can run word2vec on any dataset with a single desktop machine. What I don't get is why word2vec is not mentioned?

Edit: the mentioned algorithm is t-SNE -- which seems to be another algorithm for dimension reduction. I don't know how it compares to word2vec

[1] for instance, https://www.tensorflow.org/versions/r0.7/tutorials/word2vec/...

[2] https://lvdmaaten.github.io/tsne/
I have the same situation, though my suffix is less common. My strategy is to drop the suffix when purchasing a ticket, which has mixed results. Some airlines (United) remove the space between my last name and suffix when I do have to use it (International flights) which caused me some angst until I figured it out.
As an American going to school in Canada, I've wondered how American this idea is of "being your own man" and "don't tell me what to do."

I certainly feel the same, but many of my peers seem to only do something if an authority spurs them on.
If you're a web programmer, you probably don't need to learn much more about networking, compilers, or OS. For better or worse, those parts of our apps are almost entirely abstracted away. When "serverless" infrastructure matures, the transition will be complete.

If you're going to work on infrastructure/systems projects, then sure, dive into those things.

My suggestion is to contribute to some open-source Java projects, perhaps with a charitable angle. If you come up with an idea of your own, write it in a new language or using an unfamiliar technology.
Anecdote: I emailed Richard Stallman the exact same thing. He basically told me to learn Lisp.

Without stepping on anyone's toes, I think you should learn to program against the CPU, not stay in a sandbox of sorts.

Regarding the topics you mentioned, there are a few classic books that cover exactly that and they've gotten good/fantastic reviews on Amazon. I'm talking about the Dragon Book, Tennenbaum's books on OS development and Richard W Stevens on TCP/IP.

(Maybe you are asking for another layer of abstraction -- in that case, ignore.)
Huh. Interesting distinction, thanks.

Mine has been that contributors (authors, editors, performers, researchers, etc) increase information content, complexity. Kind of a information theoretic metaphor, not that I truly grok that discipline.
Presumably you'd have to share training data across instances.
Marc Andreessen guide to personal productivity
Did you look at the stack overflow link?

http://stackoverflow.com/questions/4456438/how-do-i-correctl...
This line in the OP says it all:

"I have found that most psychologists, psychiatrists, and other mental health professionals are not only extraordinarily compliant with authorities but also unaware of the magnitude of their obedience."
This is always an argument in tech. But as has been stated by folks before the easier coding gets, the more ambitious and complex the tasks we attempt to accomplish with it. So the difficulty at the top end never gets any easier just because the bottom end does.
Had a friend with last name of "Root". She worked as a UNIX admin back in the day. Had trouble off and on with her name.
The point here is not that they're relying on a third party, but the fact that Amazon banned them from the api while their competitors/alternatives can still use it without constraint.
Let's just do nothing but build more highways, then. I'm sure all the 25-year-olds will thank us for planning for their future then.
That's been Adobe's business model for a long time, and a very clever one at that. Let Photoshop be pirated all over schools and unis, reap the enterprise benefits when the graphics designers who only learned Photoshop are getting hired.
The issue here wasn't that they were just using Amazon's API and then lost access. The Amazon TOS says don't store and display our old prices and, per the post, that's what PriceZombie was doing.

The lesson is that if you're doing something in violation of a partner's TOS and start to negatively effect their business, the partner is well within their rights to cut off access. Whether other businesses have or haven't been slapped down is only a secondary question.
Congrats Jon!
Land value taxes are interesting, but if you look at the communities that implemented them in the era of Henry George, most of those communities have abandoned them because it's difficult to administer over the long term a taxation system that's quite different from the norm, and the benefits may be fairly mild.
This article is the ML equivalent of Hello World.
Our appeals to Amazon affiliate program administrators (associates@amazon.com) and even Jeff Bezos (jeff@amazon.com) were either ignored or answered incompletely, leaving us wondering if anyone was listening

I was once in a room with Dave McClure and a ~50ish companies he had funded. He announced that he was taking a tour of partnership teams at two members of AppAmaGooBookSoft and asked for who wanted to come with. A handful of hands were raised.

Dave McClure got frothing mad, and not his normal frothing character mad, but I think actually angry.

"LISTEN UP. 80% of you are building on these platforms. If you do not have a direct line to God at their HQs you ARE NOT TREATING THIS LIKE A BUSINESS. You will %(#)%#0 fail. If you are working with one of these companies, and you are not on that bus, you are dead to me."

I don't think I'd phrase it like that, but the core message is exactly correct. The standard platform deal is, indeed, in the event of an issue you can write to an inbox that no one reads. You do not want that deal.

You should, as early as practical, identify an actual human inside the mothership and convince them to like you. You should then lateral from that actual human to other actual humans so that you do not lose your beachhead if your actual human is re-assigned. If you do not do this, when you inevitably have a problem, you will be reduced to taking it to the HN front page and hoping an actual human takes pity on you. Pity is a much less likely outcome than convincing an actual human than you are scads better than their median semi-anonymous participant in the partnership program, which is pretty easy, because their median participant is terrible and all processes are designed to treat them as such.

I am aware that this some people will perceive this as unfair because getting better-than-publicly-available access to one's business partners seems like you're at a position of advantage vis-a-vis the people who can only send mails to /dev/null. Is this an advantage? Yes. If you believe this is an unfair advantage, I would strongly counsel you to negotiate honestly and in good faith with your counterparties at your largest business partner and source of existential risk, and not worry so much about other putative businesses which are not sophisticated enough to negotiate honestly and in good with faith their core suppliers.
Yes, because the public allows it.

https://www.eff.org/nsa-spying/timeline
I'd be curious how styling with Javascript would work. Almost every example I've ever seen of such ideas comes down to actually just writing CSS in Javascript. Which is just silly.
I'm definitely interested in what you've built.

I'm working on more advanced Redis use case patterns and your project fits in with that theme.
LinkedIn: another place to learn about new gTLDs
Reaching your destination via whatever mechanism is still a private good.

To wit, a positive externality of transit service is economic gain from the population having improved market access(more goods, services, workplaces within reach).

This is a positive externality of any transit method, including privately owned cars.

Ultimately what you've stumbled across is the fact that nearly any good or service will create gains from trade that are not captured by the producer. E.g., video games, cakes and pies, pornographic videos, and kindles all make people happier and nicer to those around them. This is why encouraging economic activity is generally considered beneficial.

Does this make cakes, pies, video games, pornos and kindles public goods?
Perhaps Beyonce and Marvel have done more for the USA in regards to culture, values and reputation than tanks, drones and torture has?

IMHO, A good President would tell our trade reps to keep one eye closed on this matter and perhaps consider compensating American companies that "illegally" get their arts and entertainment smuggled into difficult countries such as Iran, North Korea, and friendly nations in Africa like Angola!
90% of your comments are just snark. You need to fix your attitude.
im working on https://percht.com (it's still early)
The Paint API is a poor match for GPUs, so we're going to encourage people to write poorly performing features with the API as designed.

The compositing API is overly tailored to existing browser engine details. It's forcing complexity onto Web developers when the problem should be solved at the engine level. Having to do all the compositing logic in a worker is terribly inconvenient anyway. If main thread animations are untenable due to random main thread jank, let's fix that instead of adding difficult-to-use workarounds. We're not doing the Web any favors when competing against native by saying "you can get native performance, but only if you contort your program".

An "MVP" that is poorly designed is not an "MVP". There are designs that are flawed due to not having enough features; this is a reasonable candidate for an MVP. But there are also designs that are flawed due to fundamental design problems. Releasing these kinds of designs onto the Web is not releasing an MVP; it's making another mistake.
3D Printable SlashCat from Hot Wheels Attack Pack
Just signed up for betterment after looking into Vanguard, other options.

Putting your money into Vanguard requires more investing knowledge (picking which ETF, how to spread investment) and is not nearly as easy, nice to use as betterment. Betterment is a tech company and they seem to be good at building tech around ETFs in order to make it a better experience. iOS enough to fork over a couple of hundred dollars a year in fees. I don't Hinkie Vanguard will ever provide an experience as nice as betterment.

Also, their tax-loss harvesting feature could actually save you money in the long run if you don't have a retirement account.
> maybe a hundred times over---PARC spent a few million but the laser printer pulled in a few billion

Difference being Xerox made billions after spending a few million on research. Alphabet/Google on the other hand have poured in billions into what are now called their 'Other Bets' over the past two years and despite what impact they've made the revenues have been dismal and growth was stagnant last year.
San Francisco, ‘the Silicon Valley of Recycling’
I wonder if repeat business is a problem. The article mentions a fake engagement, which isn't really a friend just a way to appease his parents. Paying to rent a friend could be useful for things like that. But for real friendship I think it would get depressing real fast
Hello. This is Adam. I trained the model and made the visualization. Thanks for your comments.

This model is not a POS tagger. The model was trained to predict the next word in the email given the preceding words. So in that sense, it's similar to the word2vec models discussed in the link you shared. However for this work I used a recurrent neural network to learn a language model of the emails in our database.

After training, I extracted the learned word vectors from the model (they are the weights that connect the input layer which uses a one-hot-encoding of vocab words to the embedding layer). I then used the t-SNE algorithm to reduce the dimensionality of the learned word vectors and then plotted them in 2 dimensions. The colors representing the parts of speech were added after the fact to show that the model had learned to distinguish between nouns, verbs, etc.
I wholeheartedly agree with adding the (A)rts into STE(A)M. He's hit the nail on the head there -- I believe we all should encourage creative thinking to go along hand-in-hand with critical thinking. That said, he's way off base with the coding courses being a "waste of time" -- we're not close enough to having that good of an AI yet, nor do I think we will be in his children's lifetime. Maybe his grandchildren's lifetime, but even that could be a bit of a stretch.
Our security auditor is an idiot. How do I give him the information he wants?
Isn't that a bit like complaining to the police officer who pulled you over that other people were speeding, too?
Merging the discussion of kids and adults is a fallacy anyways since authority figures in a child's life hopefully know about preparing for the future and have the child's interests at heart to some extent.

As people grow up though authority figures have more of their own incentives and the people they are commanding have the figure things out for themselves which makes for a much larger grey area.
Exactly right. And that's more obvious on the web than anywhere else.

My point was just that seeing this is a lot more subtle -- it's not a purely technical observation, but also contains a social/economic component.
And you're going to have much worse performance. CSS is actually not slow for what it does.
Not everyone who finds English content on the web lives in the US. Just wasted time because I thought I could use the service...
NoteSlate, A New E-Reader / Handwriting Focused Device
#1 doesn't make sense because Vanguard and Schwab products own the entire market, unless you're talking asset classes beyond typical equities and bonds.
I've been looking for this for years ever since paypal stopped their plugin. I hope you stay on for the long run!
I suspect the worst case is when you have a name that is neither common nor unique that you share with someone who is notorious in some manner. I used to know someone who lived in the same city and shared a name with someone who was in the news for some unsavory activity related to a local sports team. He literally had death threat voicemails left on his phone.
Honestly I would prefer this to promise. Yeah promises are nice and all but I keep getting myself into projects where promises are nested even worse than callback soup which ultimately ends up just confusing me because it's not simple and straight forward anymore.

Though I still don't understand why the ECMAScript standards body keeps updating almost only syntax. They've done so little to the standard library that it's maddening. Honestly I would take zero syntax changes / improvements if it meant getting first class, JavaScript standard utilities for, say, dealing with HTTP / HTTPS.
The source code ? https://github.com/pedropramos/PyonR
If I was setting up a SaaS company outside of the US, I'd be concerned with tax rates, acquiring a bank account and processing credit cards.

It is worth noting that you don't necessarily have to have your bank account in the same jurisdiction that the company is incorporated.

There are many zero tax offshore jurisdictions (like BVI and Cayman Islands) and at a large scale you can get bank accounts and process credit cards anywhere. But, starting from zero I think it's a lot easier to use Stripe or Braintree.

I've listed several jurisdictions that are compatible with Stripe and Braintree by corporate tax rates. You may be able to achieve a lower rate by paying yourself a salary.

Stripe & Braintree

Ireland (12.5%)
Singapore (17%)
United States (~35%)
United Kingdom (~20%)

Braintree

Lichtenstein (12.5%)
Isle of Man (0%)
Jersey (0%)
Guernsey (0%)

So, I would consider Ireland and the above Crown dependencies.

Sources:
https://www.braintreepayments.com/country-selection
https://stripe.com/global
Authority of a math textbook or a biology textbook is not the same as authority of religious dogmatism, tradition or a state ideology.

Rejecting the former is an illness, rejecting the later is a right.
Hello World is not trivial if you are writing it in java.
Don’t Kill Your Abstractions, Understand Them
Have you ever read the Terms Of Service when you agree to a rewards program?

Of course it's a simple rebate as well, but I didn't think I needed to point out something that obvious.
That sounds like a form of prostitution.
US merchants don't do this. Most of the ones who take a deposit (hotels, car rental) have signs at the counter warning that they may put a substantial hold on your cash if you use a debit card, which won't be released for quite a while.

You are right -- if the card is bank-issued, then they can simply place a hold and release it without money flowing. With Privacy, it would seem they will need to actually pull the cash to be able to ensure that its there when the final charge comes through. Curious to see how this plays out.
Surely you could just write the SMT solver in templates, right? ;)
Betterment

* AUM $3B as of 11/2015

* Average account size is ~$30,000 from what I can gather

* That means 100,000 users

* At Betterment pricing, they make $6/mo per user

* That's $7.2m/year

Betterment has 149 employees on LinkedIn. I would assume the true number is closer to 180. Assuming an average fully loaded (salary, taxes, benefits and perks, etc) cost of $100,000 per employee, that is $18m in headcount costs alone.

I also wouldn't be surprised if the CAC is over $100, which means at least $10m to acquire those 100,000 customers.

Lastly, $7.2m in revenue is likely over stated for 2 reasons: 1) There are tons of free accounts that drag the average down and don't pay anything, 2) Which means some of the larger accounts that have substantially more fall into lower price tiers and result in lower revenue (per dollar invested)
Ah ok. Thanks for the link.
name.toLower().contains("zombie") -> FAIL

you FAIL
Sorry, I'm not being quite clear there - I'm just trying to illustrate that a programmable execution engine could have many uses (one of them being the ability to automatically optimize the n+1 queries problem).
>I think it would get depressing real fast

Well people do pay for cuddles and companionship. It's like when you aren't really that hungry you won't eat that slightly off 1 week old chicken but if you are hungry and nothing else is available it doesn't seem like such a bad idea.
"identify an actual human inside the mothership"

This is so valuable. I was intrigued by who wrote this and no wonder it is Patrick. (I highly recommend this article by him: http://www.kalzumeus.com/2011/10/28/dont-call-yourself-a-pro...).

My two cents: Talk to human. Develop social skills they matter more than what you think.
word2vec is an algorithm to produce meaningful "word embeddings", which is a vector representation in a usually high-dimensional space. t-SNE is a dimensionality-reduction algorithm. Both can be used together, as they serve different purposes.