skysight-inc/HackerNews huggingface dataset:
He doesn't need a mortgage, it's just financially savvy to have one.

He avoids paying taxes on the sale of stocks to finance the home.

Mortgage interest is tax deductible.

His stocks will almost certainly yield more than the interest rate on the mortgage.

He's getting a sweetheart deal from the bank.

For him, selling stock is a PITA because he has special class of stock that grant him voting rights far beyond what a normal share is worth. These special shares are granted to him by the board of directors. So selling 1 share means losing like 1000 votes (they convert back to 1:1 upon sale), meaning he needs to be careful when liquidating assets. By waiting five years, he can use vested options to pay the mortgage, rather than selling his special class stock.
tl;dr: Houses are so expensive that people can't afford a down payment, so banks let people buy houses for no money down, driving up the purchase price of houses.
Ask HN: Seek venture funding or consult to survive?
Hello all,

We are a team of 2 CS majors and have (3+4) years of experience in building SASS Products (Full Stack). We are based in India.

Recently, we started working on an Ads Automation System (this is an amazing line of very exciting work) and now have an MVP ready. We are in talks with companies who are willing to test our product and help us improve. One of them has promised to implement it and also introduce us to his network.

Both of us, now feel confident to leave our jobs and start working on this full time, but have no clue regarding how will we manage our finances :| We are thinking of two options :

1) Get remote consultancy work (we can roll up APIs and apps ruthlessly), spend 15-20 hrs a week consulting and remaining time on our product.

2) Find a VC and raise seed fund.

We are a bit skeptic about option 2 and want to build traction and a product that actually solves a problem (we believe, if we can make our client's life better, we will not have a hard time selling).

Also, we have no experience in raising capital.

What should we do ?

Thank you
> Allowing ambiguity to exist means accepting, for example, that I'm not always right, that there are limits to what I can know, that more than one thing may be going on simultaneously, and that there can be kinds of meaning that are local or individual rather than universalisable.

Two weekends ago I did a wine and painting class. They basically blow up a picture of your pet, greyscale it, and put it on a canvas. Using some guidance and some help from the instructor you paint your pet (while enjoying delicious wine of your choosing).

I've been heads-down in a full-stack project for months and haven't had a creative outlet and it was very difficult for me to get started with this. I approached it like I did with my programs looking for exact inputs and parameters as to how to go about painting. It was very frustrating because I was falling behind the rest of the class and it looked terrible.

At some point I figured out I just needed to "let go" and start painting and trying out different things. I experimented and ended up with something that wasn't perfect but I was very happy with. It's on my wall in my office in fact.

I realize that I need these types of exercises to make my mind more plastic. Being so rigid for so long I feel really stresses me out and that releases like this are needed to let the pressure blow out. It takes things like this to get remind me that life really is ambiguous and not nearly perfect like my programs and dev ops processes.
Rule 1 of software development should be: Never blame the user, when the situation could have been avoided through code.

Especially in this case. Isolation has been one of the main drivers of operating systems. Isolation between users, so they can't change each other's files etc. maliciously . Isolation between processes, so they don't accidentally corrupt each other. At least since the first computer virus in the wild in 1982 it should have been clear that software can also potentially be malicious and needs to be isolated from having the same rights as the user executing it.

The only reason why executing arbitrary x86 code in ring 3 is dangerous are the syscall interfaces the operating systems offer.
With a house you're hoping to just maintain equity by avoiding rent, not make 5-7% yearly returns
>The non-Win32 apps are signed and distributed by MS through their own store. All apps delivered that way pay a toll to MAS.

False. With Windows 10, app sideloading is permitted by default.
He deserved a whole lot more than $1000 for discovering and reporting such a huge, idiotic security hole that should have never happened in the first place, and it should come out of the salary of whoever caused it by indulging their own laziness and convenience by abusing regular expressions so carelessly and casually.
> Type class instance parameters must be explicit in Scala

In Scala, wouldn't this be solved with implicits? i.e. implicit 'instances' are in Singleton Objects that one simply brings into scope with an import.
There should be a cutoff for deductibility at some price. Let's say 300k or whatever. This would do make miracles for housing affordability.
Try to "hide" your servers. Simple things such as vpn's and changuing ips
Ask for a BTC address and send a tip.
We're comparing it to this theoretical point in the future because that's literally what the article says.

> "The risk here is that, if Microsoft convinces everybody to use UWP, then they phase out Win32 apps. If they can succeed in doing that then it’s a small leap to forcing all apps and games to be distributed through the Windows Store. Once we reach that point, the PC has become a closed platform. It won’t be that one day they flip a switch that will break your Steam library – what they’re trying to do is a series of sneaky manoeuvres. They make it more and more inconvenient to use the old apps, and, simultaneously, they try to become the only source for the new ones."
Happened to me. I posted about it here: https://news.ycombinator.com/item?id=11880008

It's a relatively new personal account I created to be "clean" of google tracking. The night before I had been in a youtube chat of a donald trump rally and may or may not have been "spamming" posting memes too quickly. Could be that.

I had the account reinstated quickly after sending them an email like wtf?
> or Mitnick Security

Please no. Not Mitnick.

I'd rather funnel clients towards my competitors than Kevin Mitnick.

He's a skilled social engineer, and his greatest social engineering success was manipulating the media into believing he speaks for hackers in general.

He is not a programmer, his opinions on cryptography aren't insighful, etc. His only skill is deception.
Even today we still have the problem of way too low upward mobility from the working class, even though they could do it without nearly as much trouble as in the past!

Sure, there are a lot of things we should do to promote upward mobility. But we've gotten away from the point of the quote that kickstarted this particular branch of conversation.
I don't disagree with how things are most of the time, though I personally disagree with it in terms of how I try to operate.

Regarding the second point, I guess my point was: if the argument is that employees “value” is shown by salary and Jane is unhappy based on her perception of contribution, isn’t that a fault with management for not recognizing that and fixing accordingly?
Then say that as a hypothesis and stop asking leading questions (which are blaming in nature) from people who make it their business.
The Alice and Bob After Dinner Speech (1984)
$1MM if single, $500k if married and filing separately.

EDIT: see comment below. One can deduct the interest on mortgages up to $1MM and $500k, but there is a cap on itemised deductions (mortgage interest deductions are this kind of deduction) around $450k.

http://www.bankrate.com/calculators/mortgages/loan-tax-deduc...
In large part because the Linux devs have to keep patching around Windows-isms (useless ACPI tables for example), and outright bugs that the OEMs paper over with their drivers for Windows.

Frankly PC hardware is going through a drawn out second system period. First there was ACPI replacing APM, and now we have UEFI replacing the BIOS. In both case we have simple and straight forward systems that can hardly be implemented wrong being replaced with complex and convoluted systems where each implementation have its own quirks and gotchas.

On top of this we have the issue of most OEMs barely testing for Windows, and Microsoft is anything but good at getting their implementations right (Embrace, Extend, Extinguish anyone?).
Deploy your SAAS with a Slack bot
"Serious problems" is pretty disingenuous. They're facing increased risk as a result of using updated 2nd-generation technology, rather than licensing the Westinghouse AP-1000 design at enormous cost. They're aware of the chance they're taking, but they also seem to consider that less of a risk than being beholden to a US firm.

Whether that's an accurate assessment in the long run or not, it's their choice to make, and not one the US would be likely to emulate - after all, we've got Westinghouse and the AP-1000 design right here. We've also got a much more thoroughly developed uranium production pipeline and a similar extent of available reserves, which means we won't face the same structural problems China does in ramping up fuel production - they're essentially having to build that process from scratch, and there's only so far it's worth letting your plant production outpace your ability to fuel the reactors you're building.
Altera Quartus has supported SV (SystemVerilog) quite well for some time now. I tend to work in 9.1sp2 as that was the last version of Quartus with integrated simulator (waaa!).

Xilinx requires you to use their newer tooling in order to write in SV. As these tools tend to be incredibly bloated, this is a disadvantage IMO (you want to use the earliest and therefore least bloaty tool that does the job).

I started out in VHDL and was forced by the other person on the "team" to learn verilog for a project. As with ANY language, you end up trying a bunch of stuff out to see how things are implemented, what breaks, etc. in order to get your footing. Over time I grew to appreciate the C like nature of verilog - its reduced verboseness over VHDL makes it an easier language to get actual things done in. And it makes switching between C and verilog pretty natural.

I resisted looking into SystemVerilog for forever as I was under the impression that it was more of a systems verification thing, but it is actually just plain old verilog with some incredibly useful extensions for synthesis. The package system is really, really nice. Look online for papers by Stuart Sutherland.
No language is perfect, and there are things I would change in SV (support for negative bit indices, less awkward sub vector select, etc.) but SV comes closest to the ideal HDL IMO. HW design via HDL is fascinating, and a strangely small space for the times we live in.

Using high level languages to do clock-based concurrent stuff is IMO insane as it just adds to the chain breakage, and few will be trained and able to easily use the source. Would you listen to anyone who proposed a VHDL to Haskell converter for writing everyday conventional software? HDLs are close to the metal for a reason.
Unicorns and Cockroaches: Time to Move Beyond Labels
"2. Internal employees - Stack Overflow said this has been available internally for a bit, but when employees find out what others are making they are inclined to compare their own efforts/abilities vs others. It can lead to people either asking for raises to match their co-workers, or perhaps feeling slighted and seeking other employers."

One nice thing about being transparent and consistent with salaries is that you can have an objective conversation with someone about the reasons that they're making less, versus having to rely on vague, irrelevant, or harmful explanations like "he was making more at another company," or "he negotiated harder." If someone thinks they should be making what another developer is being paid, they need to make the case based on clearly laid out criteria.

There's no compensation system that makes everyone happy, and there shouldn't be. You want a system that leaves people knowing where they stand, what it takes for them to make more, and management that encourages them to grow into that amount.
I am using PasswordSafe ( pwsafe.org ) and Dropbox to sync to the cloud. I do not use autofill, nor I asked my browser to manage my passwords. There are a mix of opensource and commercial implementation covering all platforms (iOS, Android and what not). PasswordSafe has also been audited.

Why isn't PasswordSafe more popular ? What do other password managers have that Password Safe does not ?
Is a high powered CPU, and the fastest, most dense storage really that high of a priority for a mobile device? Your target should be portability, and battery life. Not something easily achieved with your list of requirements. Nothing you listed sounds particularly resource intensive.
Mixing volunteer work and micro-lending could be useful; also visiting the people that you lend to could be a great way to travel and learn about the culture, though there could be a friction-y social dynamic between loaner-and-loanee (like doctors to patients - white coats vs. civilians...).

1. Vayable - https://www.vayable.com/

2. Fathom - Impact Travel - https://www.fathom.org/
Codeship: The Pros and Cons of Ruby Refinements
Also, to get rid of 60% of the script kiddies, change the port to something high 1000+ (or even better 10000+). Its not a great option, but it does lower the amount of automated attacks that you get.
The whole idea of "right vs left brained" has been extremely harmful. There's probably a lot of "technical" people who never think about doing what you did because they say "that's not my kind of activity".
Alternatively, ask them for their preferred payment method and don't force your FOTMcoin on them.
I don't understand... when he forks the repository, why did everybody watching the original one get set to watching the new repository? When I create a fork, that doesn't happens.
> Apple’s China Problem Is That Local Phones Are Good – And Cheap

Other local phones, since you'd be hard presses to find something un-Chinese about the iPhone.
That sounds awesome, and technically achievable in various capacities. Something a colleague thought of recently that may be of interest is hierarchical mapping, particularly if the number of personalities is great - so, e.g., having a map for all users, and then having unique maps for each users, and programmatically transitioning across maps like this to the extent that "zooming in" is useful. Kind of fun to think about. The other thing that comes to mind is the ironic dependency of words2map right on the elephant in your room: Google. In particular, when you dive into the code, you'll see that the first searches are free, but then become $5 / 1000 at scale, which is probably not good for your objective. Therefore you may wish to replace the Google search functionality of words2map with your own search engine. If you explore doing so, I'd love to see the results, and would be happy to incorporate as an option for words2map users looking for a completely free implementation. Just have a look at the research_keywords function if this of interest. And best of luck!
Tesla doesn't make a profit, and they're spending billions on a factory that will make a valuable product with good margins.

Verizon makes a profit, and they're spending billions on a failed company.

I don't really see how the profit status of the acquirer is relevant. What matters is the profit potential of what's being acquired.
Good point, but that's assuming you're running in the context of the popup and not in the context of a content script.
In the popup's script, you are using a new DOM. But in a content script - you're using the same DOM as the client, which can override createElement
(and any other function as well).
9 Must-Attend Tech Conferences for IT Managers
I find it funny (and condescending) that employees are supposed to make money just a secondary factor where at the same time companies preach that it's all about the bottom line and nothing else counts.

On a practical note: I definitely perform better if I know that I am paid well. Money is the ultimate indicator of respect.
Except she didn't perform well. She made constant awful decisions through the course of her four year tenure.[0]

[0]: http://pxlnv.com/linklog/swisher-interview-nymag/
Both Apple and Samsung really need something to differentiate premium beyond color finishes and brand.

Either add some premium service like some sort of concierge on call, or I dunno some premium UI interface that is definitely measurably better then there is no reason to buy a more expensive phone. App's are all starting to look the same and it doesn't matter anymore. I'm a long time iOS user because I started that way and while

I love the platform it's only because of all the apps i've bought that keeps me on it. While I hate using android I'd probably learn to deal with it's nuisances for a difference of $200.
Real estate returns are historically flat. Only recently have they risen so quickly. If the bank thought they would get 5-7% on the house, why wouldn't they just buy it themselves instead of giving you a 3.5% loan?
That's not true. I've stopped watching seasonal anime but the last time I did (2014), every single comedy/romance anime had that trope. Sometimes it's just admiration and not romance but it seems to always be there.
A Visual Guide to Graph Traversal Algorithms
Quantopian provides data, a community, and capital. All of these are expensive costs for any individual trader.

In addition, a lot of strategies don't really work that well unless you have a 'critical mass' of capital with which to capture any meaningful profit.

Execution is also important. It's one thing to have an algorithm that works in theory and is back-tested. Execution is a different ball-game because you have to deal with factors like trading costs/brokerage fees, accounting, etc.
> Beauty is in the eye of the beholder

I think this is what it comes down to in the end. I don't find anything about it beautiful, from the aesthetics to the workflow to the isolation from the rest of the system. But I'm coming to realize thanks to the massive response to my comment why someone else might find any or all of those things beautiful, so thank you for that.

I find it interesting that you compare it favorably against Eclipse, considering that Eclipse is a direct descendant of IBM's VisualAge Smalltalk environment. Would you mind going into more detail why it is that the Squeak or Pharo environment is better for you than Eclipse?

> In practice, you don't need the full power of Vim or Emacs in a programming environment where you're ever only dealing with small methods and where everything is laid out neatly in the System or Class Browser. I love Vim, but I don't miss it here.

I disagree, and I think that dealing with a well-organized codebase composed of cohesive modules each containing an array of small methods (or equivalent) is an area (though far from the only one) where Emacs and Vim shine, especially when making use of multiple buffers, windows, netrw/dired-mode, wildmode/wildmenu, something like ctags/etags, registers, marks, ... the list goes on and on. I have a feeling that if you're not missing Vim or Emacs when using the Squeak/Pharo environment, you likely weren't making full use of Vim's or Emacs's power (which is excusable, given the learning curve of the those tools).

When I say that I've been using Vim for over 10 years, the implication is not that I've just been getting used to it for 10 years, it's that I've been constantly learning it for 10 years, and even now not a month goes by where I'm not able to more fully utilize its power than before. The only environment I've found that's more powerful/productive for me than Vim has been SLIME with Emacs (I've recently found out about SLIMV and am looking forward to giving it a try, though I tend to have an aversion to using plugins in Vim).

In the end, though, I think what it comes down to is the different emphasis on the environments. Whereas Vim and Emacs emphasize navigating and manipulating text, Squeak and Pharo emphasize navigating and manipulating a live environment. I personally loath that style of development because I'm lacking tools to track changes to the product and tools to reproduce the product from a fresh image. But if that style of development has been beneficial for you, then of course a tool like Vim or Emacs isn't going to cut it. To each their own, I suppose.
Non-recourse debt is debt for which you can't pursue the debtor beyond any collateral they originally put up as part of the deal.

http://www.investopedia.com/terms/n/nonrecoursedebt.asp

In California all mortgages are non-recourse debt.
Why not take a look at the code injected by 1Password's browser extension and find out for yourself whether it handles URLs safely? That shouldn't be hard to do, and it's a lot healthier for the community than discouraging devs to participate by taking their presence as an opportunity for drive-by pot shots.
George Hotz takes his self-driving car to the Las Vegas Strip
I had a look at your jsfiddle, and it looks to me that it's a bug in mathjs. I have the impression that mathjs doesn't parse well complex numbers (I can be wrong there), so why not spend 1 hour to try to fix that bug before considering alternatives?
Only one person mentioned it, so I'll pitch in - Dashlane [1] is a great password manager, and it's communication with their customers is top notch (customer service and security wise [1]). Speaking as a humble premium user which thinks they don't get enough credit.

[1] https://www.dashlane.com/download/Dashlane-Security-Whitepap...
"when you tell people that they need to invest their money in stocks to ensure their comfort in later life"

They don't have to, they could buy bonds if they feel uneasy with the risks associated with stocks.
Show HN: Hyperparameter Optimization as a Service
Hey I know who is coming in Saturday to fix the prod bug, the guy that picked 500k salary ;)

Although maybe for some people they would want the extra work for extra money and it could be a win win.
Are there IP considerations? Word2vec is patented.
Short PyQT5 tutorial
Which is why UWP has a capabilities-based sandbox.
Maybe offering a reward is a good way to reduce the anonymity of the person, since rewards can be tracked.

Speaking only for myself.. If I were to go the trouble to anonymously tip somebody off about a security vulnerability, it would be because I cared that they were secure and that I did not wish to be identified. I would neither expect nor accept a reward.
You should at least give a few examples of "because something like this always does", because I can't really think of any example where a new entrant becomes #1 in a market with a clear winner complete with network effects.
In my experience, this usually leads to having a team of "architects" whose job it is to sit in meetings with people actually building things and tell them how to do it. I've yet to meet anyone who can do that job well. No one is good enough to reliably prescribe solutions from afar without getting their hands dirty. There will be weirdness and corner cases and overlooked details that have to be accounted for. Going back to the architect who has been doing other things for the last six months isn't likely to yield much insight in what to do about that.

I think that in pretty much all cases, you'd be better off just taking that architect and telling him to write the code. If you don't think you have enough good people to do the amount of work you need to do with that approach, you're trying to do too much work.