skysight-inc/HackerNews huggingface dataset:
Depends on how conservative you want to be. For me personally I've been using an inflation-adjusted rate of 5% annually, but I consider that very conservative and hope to realize a much longer rate over my time horizon. But if I do realize only 5% annualized, I will be sure to have more than enough to not live in squalor.

If realized rates over the next ~30 years are less than 5%, not only are we as a civilization going to have bigger problems than my retirement, but I don't think much anything will save you regardless of how much you are saving, unless you have a very frugal retirement.
GP is talking about Federal brackets. 33% starts at $190,150 AGI (after deductions) which is well above what a new grad could expect (from their employer) or require to pay rent, even in the valley.
Besa is actually a pagan (not religious) tradition, and predates some of the conversion of the country into muslim (when it was invaded by the ottoman turks).

Before the Ottoman Invasion in the 15th century, most of Albania was part of the Roman Empire, and Catholic. Before being invaded by the Roman empire, the Albanian (Illyrian at the time) were pagan.

The person that wrote the "Kanuni i Lek Dukagjinit", which is the codification of these customs into written form was actually a catholic Albanian priest.
And a bit like the thing that Uhura and the other bridge crew on the Enterprise used.
Personally, no, I don't think it is fair assumption.

US GDP growth has been slowing for decades now. At some point that will be reflected in the markets and the index funds that track them.

https://www.google.com/publicdata/explore?ds=d5bncppjof8f9_&...

(But, yes, I still invest in index funds. I just don't have the same dreamy expectations that many other people seem to have.)
UK's MoD launches £800m futuristic tech fund
Jailing them does seem like going too far, but I can see where it makes sense to at least fine the top users. The top users pay monthly to run seedboxes. They are investing in the infrastructure of the site in a measurable way. That does make them seem involved in its operations, at least to an extent.
While "If they believe they can predict the market, they don't know what they are talking about" is a cute adage, I think it lumps a bunch of us into a category that we don't deserve to be in?

for example, I'm heavily invested in the market but recent events are leading me to consider halfing my investment rate to be more cautious. I'm not going to take any money out or stop investing but by your def I'm "timing" the market, but really I'm "timing" my life. I don't feel confident that I can afford the risk, and I'm lowering my exposure rate.
> Talking to Siri in public still feels weird

Even when it's normal, like when my daughter used to have an imaginary friend, talking to your imaginary friend is weird.
I think there is a place in the world for a company which simply minimizes risk for individual investors by alerting them of their factor exposures.

I'm sure there are people that are heavily invested in long duration bonds that do not understand how much interest rate risk they are taking.

Its a little different from a Robo advisor, but I'd probably pay 0.05%+ (5 basis points) annually to know my factor exposures.

I am likely exposed to factors that I am not even aware of.
"Backdoor Roth."
First, the article is dumb, twitter is already a giant. Twitter is bigger in social media than facebook because it is open to the public, while facebook is a gated community.

Second, "the problem with twitter" as commentors have been saying, is that Twitter is a glorified instant messenger, and they have done everything wrong.

They're a giant corporation with too many employees. They have a huge overhead cost for servers and offices and electricity and so on. And their only product is social media, for free.

This is the era of ad-filtering. Substaining a company on advertising is a dead model, it will never work again. It's dying slower in some areas than in others, but rest assured it is dead. Furthermore, nobody using twitter wants to see ads. Users will aggressively persue means to eliminate ads from the "social" experience.

Twitter is the digital equivalent of opening a number of sports arenas and inviting everyone to come in to mingle, without ever charging admission fees. Eventually, the power bill and lease is going to shut them down.

This is a reality check. You cannot make money by giving things away for free. You can make money from free products, but you have to do things to monetize it, for example selling expert support for free software.

Commentors keep comparing Twitter to Facebook. Twitter and Facebook are exactly the same in one way, neither one makes any money from social media. Facebook is profitable because Facebook is not a social media product, it is a portal product that offers social media. Facebook makes money from selling "microtransaction" games, which are a huge ripoff, and using their enormous size to convince business owners that investing in advertising is somehow worthwhile. Again, nobody wants to see ads during their "social" time.

Social Media is not a business. Social media is a chat room with a slightly re-defined UX. You cannot make a profit from social media without charging admission. It is impossible.

In the post-advertising era the only way businesses will be successful is if they produce products or services of actual real-world value to their customers. Parasitic businesses, middle-men, advertisers, they are all going to die. And good riddance. Money should be earned by the creation of value, and nothing else.
Reminds me of the MASH episode "The Late Captain Pierce":

https://en.wikipedia.org/wiki/The_Late_Captain_Pierce
Uggh, I wish I had read your comment before I just invested everything into the company I work for. Thanks chollida1.
Lesson learned: it's not the complexity of an idea that will make it valuable.
One argument I haven't seen much of is how these new wireless technologies make things less future proof. In 200 years I can splice some copper wire to a pair of headphones and maybe make them work. Good luck trying to get some goofball wireless standard to work let alone some proprietary one.
Thanks for your interest! Adapting the technique for the internet is one of the main challenges the project is trying to address. That's the reason the main site is invite-only right now.

Here are some thoughts on the points you bring up:

- You can currently dig into the evidence quality by looking at the corroborating/conflicting sources that users have added. Users can also tag sources based on their quality, e.g., state-sponsored media, secondhand information, etc. Eventually I want to arrive at some metrics for evidence/source quality.

- The degree to which the evidence agrees with the hypotheses is handled by the evaluation/assessment process. The site merges the evaluation/assessments from all the participants and highlights areas of dispute. In the future, we'll probably end up allowing users to mark which evaluators they trust (e.g., verified journalists).

- As far as trolls go, we're exploring the space of moderation and anti-troll measures. This will include automated measures like rate limiting, as well as moderation features like flagging evidence/hypotheses as irrelevant, duplicate, etc.

A lot of potential ideas are captured on the issue tracker: https://github.com/twschiller/open-synthesis/issues
You would rather see people like Trump gain the power over that, than a possible future federated Europe?

I would take Donald Trump or anyone currently involved in Federal US politics over Xi Xinping or Vladimir Putin. Is that what you're asking?

And a federated Europe is now a given. Brexit is an existential challenge for Europe; with federation's most vocal opponent now out and with the fundamental moral hazard of endless Greek bail-outs still an issue, the EU will federate or eventually dissolve.
that is called an iPod touch.
I agree that 28 days is reasonable while 14 isn't really.

But if we start calling 14 "inhumane", then we are in danger of losing our grip on what what inhumanity is. Which is to lose our grip on our moral compass.
Only if the host country has the right to demand for them to leave their culture, religion and customs at the door. Otherwise it could be a very bad deal for the welcoming country.

You are not entitled to a better life somewhere else, other than the country you are citizen of.
Do the drivers go away? Perhaps one will give an investor a lift one day.
You must know a different group of millennials than I do (anecdata at best).
Any tips / guides for non-USA / european citizens?
literally, it means "in passing".
BBC uses an iStock image in their article, complete with watermark? Seriously?
I suppose it could also be implemented with DTLS [0] over UDP [1]. (Checking Wikipedia...) A 2013 paper [2] published some vulnerabilities; mostly implementation flaws, but it raised some questions about the core spec as well.

However you implement it, encrypting DNS probably has it's place, but it doesn't make a whole lot of sense for most applications.

[0] https://en.wikipedia.org/wiki/Datagram_Transport_Layer_Secur...

[1] https://tools.ietf.org/html/rfc6347

[2] http://www.isg.rhul.ac.uk/~kp/dtls.pdf
Sea level is rising so slowly (currently 3.4 += 0.4 mm/yr) that we can absorb the increase for quite a while simply by abandoning coastal property and rezoning as each parcel of land becomes endangered by sea level rise. We're talking less than 7 1/2 inches over 50 years.

I suspect something similar will hold true for agriculture. Farmers will plant different crops 50 years from now than they do today.
I think this is the best short summary of the situation. Short of a nuclear war we won't kill all life on earth. But what we do next will determine how difficult the next decades will get. Cutting back on CO2 emissions is not about saving "the planet" it is about saving our immediate future.
Thank you for the reply--I immediately started Googling for more info about column-oriented data stores to see if there was something analogous to SQLite in this space. It looks like there's an embedded MoneDBLite package for R now that I'll need to check out.
I think you mean #1732.
Even if that's the case, why would someone contract themselves out for less than minimum wage, when any low-effort job would be paying more than that? The answer is that they wouldn't, and thats why Uber, Lyft, and other competitors have to pay out the bonuses to these drivers
https://www.reddit.com/r/personalfinance/wiki/commontopics
> Often when I told people I was building a (toy) stock exchange they’d ask me for stock advice, which is about as well-considered as asking a WoW guild to deal with your terrorism problem.

And you think that's problematic? I have relatives telling me that they'll go with X anti-thrombotic therapy because a cousin of the brother of a guy who they met in the supermarket took it 6 years ago and worked wonders for him. I'm a pharmacist and I have rather strong opinions about some drugs over others, but I can take advices from doctors, physicians, nurses or anyone with a minimum degree of knowledge on the topic. Still, many times I have to argue with with relatives, to the point where I get frustrated.
"Kanuni i Leke Dukagjinit" which is where BESA originates, was the first attempt at governing the life of northern tribes in Albania at a time when a government did not exist. These tribes, even long after Albania was ruled by the Ottoman Empire, remained Catholic, which holds true to this day with regions such as Mirdita still inhabited by Catholics. This suggests that besa does neither relate to or derive from Islam.
Or become a contractor. That's what I'm doing.
> I don't understand how "national security concerns" is not a valid risk.

Why did Western leadership adopt the policy of technology transfer to Peoples Republic of China and the Chinese Communist Party?

If there is a "national security concern" then we can thank the likes of CFR membership and their fellow travelers [1], and continual transfer of American technology to PRC/CCP by successive US administrations and our "allies".

[1]: http://www.cfr.org/china/history-declassified-nixon-china/p7...

http://www.psychedinsanfrancisco.com/wp-content/uploads/2014...

[edit/grammar]
> What Apple has done is produce something that isn’t a technology product, but is, rather, a fashion object

Is there a general consensus that they look fashionable? I was surprised how they look almost exactly like the old headphones with the wire cut off instead of having an entirely new design.

I think bluetooth headphones in general are great personally. Not having wires getting caught in things is ideal, there's no wire getting itself into knots, I find pairing easy and when some headsets have 20+ hours of battery the battery life really isn't an issue. I'm not sure what all the fuss is about myself.
Sienci Mill One: Simple and Affordable Desktop CNC Milling
> I don't know what to expect from Europe. Or even Canada for that matter...

Yeah, this is an over-generalization. There are plenty of index funds for European companies at a variety of risk levels, just like in the U.S.

Also, there are worldwide funds too. Capital World Growth and Income Fund (CWGIX) [0] is one example that covers the U.S., Europe, and Asia. Note that this is a mutual fund, not an index fund.

Edit: Perhaps the downvotes are because this is an actively managed fund. The point of giving the example was trying to counter the specific concern OP stated. For passive, a specific Vanguard fund that's similar, at least the closest I found, is Vanguard Total World Stock Index Fund (VTWSX) [1]. It is very diversified.

[0]: https://www.google.com/finance?q=MUTF:CWGIX

[1]: https://www.google.com/finance?q=MUTF:VTWSX
Here's what CO2 emissions look like over the last 50 years or so:

http://johannes-friedrich.com/emissions/e-reg.htm

There's a pretty big increase since 1990, mostly driven by growth in Asia (which in turn is mostly due to the huge economic growth in China and India, I imagine).
Think you got a typo but buy?
FWIW, Fidelity makes it very easy to make a "back door" Roth contribution, but only if you don't have a Traditional/Rollover IRA. You make a taxable contribution to a zero-balance Traditional, and then transfer it to the Roth. There aren't income limits on Roth transfers.
Well, that's why the original commenter mentioned exposure. You don't invest all your money into just one market. The idea is once again for things to balance out at the end of the day/year/decade.

Invest into multiple emerging markets, chances are they won't all do bad at the same time, especially if they are in different parts of the globe (take India, Brazil and Indonesia for example), put some into an european index fund, etc.

You seem to be most comfortable with the US market, so the bulk of the assets you decided to invest in equities go there, say 70% and to make things easy put 15% into Europe and 15% into emerging markets. Now you have some diversification, but could still feel comfortable enough to not be worried about your money disappearing over night.
This is among the worst possible financial advice, along with "put it all on black."
I don't understand why people are getting so upset about other people getting upset about a feature being removed. "No, you're wrong, it's good for you to not have this thing you wanted."
Except for us with oddly shaped ears, where ear buds have always been the bane of our existence. They won't stay in my ear, no matter what. Call me a neckbeard hipster all you want, I still like over-the-ear headphones, and Apple's "revolution" can suck it.
I agree completely that SQL is not the language for the kind of data analysis you're discussing in this book - to me, the question is whether it's useful to do querying and filtering through SQL and data analysis through python and R on the resulting datasets. I think pretty much everything you've written here would be continue useful if you used sqldf to generate data frames in R, but I don't know R well enough to be sure of that.

Because pandasql returns a data frame from a data frame (not sure if this is the case with R), I find it relatively easy to do data things with sql and data analysis with python. However, that's not a huge surprise since I've been using SQL for a while but don't know the pandas or R data frame syntax especially well.

I'm not sure why sqlite was chosen - could it have to do with the in-memory nature of dataframes? So far, my use of sql with data frames has been pretty generic, so I haven't bumped up any implementation specific SQL issues.
Google "backdoor Roth" for more thorough description and discussion.
Both sides do it
We've also had some spectacularly high inflation in the past, which tempers those GDP numbers somewhat. I otherwise agree that historical norms for equity market returns are probably overly optimistic for the future, but I wouldn't be extremely pessimistic either.
First of all, not sure I understand why you're being so hostile.

Next, why would a business failing to make a profit be immoral? What exactly is immoral about a business failing?
If it is so obvious, maybe you can explain how it is immoral and exactly who is being immoral.

Next, it seems like you didn't understand what I meant when I said they failed to meet expectations. I meant the investors expectations.
This is probably an unpopular opinion and for certain I lack the qualification to run a public company of about 4000 people and hence to make snarky comments on the internet.

However it's my common sense that tells me there's something going very wrong with Twitter: let's be honest, their product is a message server with a fancy website wrapped around it and an attached ad-business. There's absolutely NO WAY it takes 4000 employees to run this thing! For comparison Whatsapp had ~ 60 employees when it was bought by FB and Instagram had 13. And I'd venture to say that both of these companies had more data to manage than Twitter has now.

Because he is often working at Square, many managers arrive late, depart early and generally show up just to “punch the time card”, says one former senior executive who has sold all of his shares.

And my common sense tells me it's probably not just the managers but also about 90% of the engineers. I don't mean to be derogatory towards Twitter employees but I truly wonder what everybody at this company is doing all day. The product is not improving in any meaningful way. The few innovations that they launched were all acquired businesses.

Twitters quarterly expenses are now around 700 million. Let me make a very conservative estimate: It would probably not take more than 100 million per quarter to run the business (including their ad business). Likely much less. Their revenue is 600 million per quarter. If Twitter were a properly run company they could be making half a billion per quarter in profit which they could use to explore new business opportunities, products, or if there's a total lack of ideas, pay out to shareholders. I'd argue that any of these options would be a whole lot better than the status right now.
Overtime? For software engineers? Where?
> Part of me wants to go full jlcollinsnh/Bogle/Buffet

You can investment just like Buffet if you Berkshire Hathaway Class B (BRKB). Currently ~$145 per share.

I got that from the introduction to an investment book about Buffet.
> It's also a lot more possible to make new friends over Twitter than Facebook.

anecdote: i met 95% of my current friends through twitter. i also met my wife through twitter.
Not just in the dotcom business: http://www.nytimes.com/2016/06/12/nyregion/donald-trump-atla...

Although I think "take the money and stiff the investors" has a rather long history, all the way back to the invention of the joint-stock company.
If I'm not mistaken, Isn't this a trend from other European countries too like Romania and Serbia/Belarus?
Since you are all forum nerds, y'all might also enjoy:

* https://www.reddit.com/r/personalfinance/wiki/commontopics ("I have $X, what do I do with it?") (and the rest of the PF wiki is a good general resource as well)

* https://www.reddit.com/r/financialindependence/ (How do I save enough to be able to stop working?)

* https://www.bogleheads.org/
Going Serverless Without the Serverless Framework
The SDK would only be able to show the advertisers that the ads where pushed to the clients, not that it was actually shown. So I doubt that would sit well with advertisers. Even if tracking normal online ads is just as sketchy.

Still don't feel it like would have made much of a difference. Twitter still have more than enough traffic, on which is fails to monetize.

And again, what's wrong with paying for Twitter? $20 per year for personal account, $300 for businesses.
Sadly, in the view of most "It didn't happen until Apple made it happen" rings true to most people.

I was looking at wireless headphones before the iPhone 7 announcement and found some good ones (Samsung Gear IconX and Bragi Dash).

Unfortunately they are not the cool kids.
In short: because measuring effects the information, tampering cannot be concealed.
Is Asperger's really a valid excuse for this sort of thing? People on the autism spectrum aren't incapable of understanding that actions can lead to consequences and that some things are wrong. Otherwise there would be an epidemic of autistic bank-robbers and murderers.

I will agree that it is bullshit thaw you can get extradited to a country you've never even been to and tried under their laws for committing a cyber-crime, though. He should remain in Britain for that reason alone. It's also pretty disgusting how if he had committed the exact same crime under the employment of the government they wouldn't have even filed charges.
Thanks, aware of the email, but I believe in public exchanges about matters that impact the community.
I don't participate much on Twitter, but as a developer I find it's one of the easiest ways to stay up to date on what the software community is up to.
No data.
Yet they are fining those people some millions on the basis that they made a profit...
I made this comment before - the real value of the airpods is the foundational work for VR snd other things that go on your head. Wireless is critical. I have a hololens and DK2 beta, and the difference between untethered and tethered is hYOOOOGE. Airpods are v1.0 that will figure out latency issues, push the limits on bandwidth, push sensor capabilities, explore onboard DSP functions, gather data to feed into machine learning models for head and other behaviors, etc. It is the "scout" that is deployed deep in enemy territory to lay the foundation for the cavalry's entry into what will emerge as one or more multibillion dollar markets (e.g. VR, new interface paradigms, brain computers that plug into the cortex :).

Apple is fantastic about introducing a foundational technology that people puzzle over, and then follow that MVP with a set of killer, well understood features for the mass market that leverage it (touch id followed by apple pay). To summarize:

* v1: Introduce puzzling HW/SW enabling technology disguised as a feature / roadmap swimlane, to work out the kinks, de-risk the technology.

* v2: Introduce clear-as-daylight applications for the mass market that leverage earlier work.

Look at the early days of AirPlay. I recall streaming wireless music to my speakers back in the mid 2000s, and how buggy it was / how much latency there was. Lo and behold, many iterations later, and we have seamless audio and video airplay (ok, almost seamless). What makes me an expert on this stuff? Nothing, other than thinking about it and using it for many hours. This has nothing to do with jewelry.
Take a look at this: https://www.washingtonpost.com/graphics/national/power-plant...

The fact is, most parts of the country don't have good energy storage options. Plenty, like Florida for example, are almost exclusively coal + natural gas and some nuclear. The advantage of these battery facilities is that they enable transitions away from coal and natural gas.