skysight-inc/HackerNews huggingface dataset:
Safe withdrawal rates are a whole chapter in itself.

If you want to be 100% sure that your money lasts to the end, i.e. your death (in real terms), you cannot erode your principal, in real terms.

Thus, if you have, say, a 5% total return nominally, but 2% inflation, you can withdraw 3% p.a.

(Taxes complicate things, particularly insofar as you pay taxes on the nominal returns.)

However, with this strategy you bequeath your original principal at the time of death (in real terms, i.e. grown by inflation), which might be too much.

Thus, people generally argue for taking out a bit more, which might give you, say, 4% withdrawal with 5% nominal returns and 2% inflation (taking out about 1% or your principal p.a., halving it over the course of 70 years).

When you erode principal like that, you run a small chance that you run out of money if your

a) returns are lower than expected or

b) you live longer than expected.

A solution to a) is, as the name suggests, fixed income (i.e. bonds), which have no equity risk and (when you hold a bond with fixed rates to maturity) no interest risk. You are stuck, however, with credit risk (bond issuer goes bust) and inflation risk (except with inflation adjusted bonds).

A solution to b) are annuities, that is an insurance product that pays you a fixed amount until you are dead, pooling the early/late mortality risk. The market for these is very different for different jurisdictions, one reason being, as usual, tax issues.
I am currently running docker with a systemd script (it seemed like a reasonable idea at the time).

But docker = sudo without password essentially.

So I am curious if there is a recommended way to run a service with a docker run.
Upvoted comments without reading them
Good points. I'll point out that a 10 year window is too short.

Look at this post to get an idea of 5 yr vs 10 yr vs 20 yr vs 30 yr windows:

http://blog.nawaz.org/posts/2015/Dec/pay-down-mortgage-or-in...

10 years has enough volatility that you shouldn't use it to compare between funds.
It should have been an open protocol all along, like email or netnews.
When my father went through US Army basic training during the Cold War era the recruit next to him couldn't pass rifle qualification. So the drill sergeant just took that guy's ammo away, gave half to my dad and half to the recruit on the other side, and told them to shoot his target. Presumably standards are a little stricter now.
A little of both, actually. There was never a requirement to work more than 40 hours. In fact, last Friday I talked about how I'd probably work through the weekend to make the deadlines they set for the beginning of this week. They took pity on me and said I shouldn't even be checking my email over the weekend. I reluctantly agreed, and didn't work on the projects. But, guess who everyone was angry with come early this week for not having the deliverables to the clients?
It's much harder to do than it used to be.

It used to be you could find somebody who died, get their birth certificate, take over their social security number and you were golden.

Then they started publishing and invaliding social security numbers of dead people and it got a lot harder.
'serverless' apps are not really 'serverless'. You are just allowing another company to run the actual server infrastructure.

While this might be good for large companies, it's dangerous for startups. Someone else has complete control over the infrastructure of your business and it not only makes it difficult for you to make simple changes that could save you money, but it's very expensive compared to traditional servers that you run yourself.

I run all of my own servers and it would cost me 10X to run it on AWS.

Too many startups outsource their infrastructure or create a business that relies completely on another business platform like Twitter/Facebook and then get squashed when things change or the platform doesn't want you to have too much power.

The book called 'Hatching Twitter' shows exactly this mindset: 3rd party API users were cut-off because the execs at Twitter realized that only a few of the 3rd party apps together had enough of a user base to compete with Twitter.

Which is why all of these services follow the same handbook: have generous access to the API, after this brings in and builds the user base, Cut-off access and severely limit the API (to prevent users from leaving).

One other step is charging so much money for the API access that it bankrupts most of these businesses and then launch a competing app.
I don't disagree, but that's every vote. Every law affects young people more than dead people. And every time somebody like Al Franken gets elected there's a loud chorus of "It's not fair; I would have voted if I knew it would be close." What else are we going to do? Have a pre-vote to see whose vote counts double?
Wild stuff, never knew about these old mechanisms. Doesn't seem too loud however.
https://www.youtube.com/watch?v=cNNKLuM8yY8
> "Prediction, rate-distortion and residuals" sounds suspiciously like you're talking about a video format, not an image format.

All video formats make better image formats than the image ones do, because people expect video codecs to get replaced faster. They just call them I-frames instead. H.265 is a better JPEG and ffv1 is a much better PNG.

> Texture formats are made to be decodable in hardware, and are usually fixed-rate and support random lookup.

Yeah, that's the major difference, and of course it's 2D random lookup so linear pixels are a very bad choice too. I don't know much about this area, but OS X WindowServer used to store all its bitmaps RLE-compressed and handle them straight in the compositor…

> You can't predict the block based on surrounding blocks, and you can't save bits on easy to compress blocks and spend them on the difficult ones.

There's different kinds of prediction in codecs - inside a block (intra prediction, he calls it "block type") and from neighboring blocks. I would've figured the second one doesn't happen too, but then what does he mean by "proto-block-chains"? Seems like he's trying to talk about dynamic programming for intra prediction, but actually means intra prediction heuristics.

Rate-distortion doesn't matter if you can't control rate, yeah. But "residual" exists - it's just the pixel values not guessed by prediction.
Is there a way to prevent other processes from reading environment variables?
> If you have a 401k at work, contributions for IRAs start phasing out at lower income than Roth IRAs

Can you link to a source for this? I was not under the impression that IRA contribution income limits were impacted by whether or not you also have a 401k at work.
Just looking for feedback on an idea
I'm attempting to validate a concept for a mobile app before I start down the wrong path. Here's the general idea:

A subscription or fee-based mobile app which features hundreds of high-value, standardized, digital coupons to local businesses.

I know what your thinking: "um... Groupon beat ya to it... and it's free."

But would consumers pay a small fee for a service with more relevant, targeted discounts to better local businesses with just as much or more savings potential?

Obviously the "how" is the hard part, but just wanted to run this by some people smarter than me.

Truly appreciate any thoughts!

-Matt
Nextcloud Box
tl;dr: Tenured literary critic cautiously questions the usefulness of popularity as a metric for evaluating literary fiction, with specific reference to David Foster Wallace's absurd timewaster Infinite Jest. ('Absurd timewaster' is my phrase, not hers, but when you boil down what she said, it's what you have left in the pot.)
DR.
But, if it had happened, it wouldn't have changed the outcome (assuming that 16-17 year olds would have voted the same as 18-19 year olds did).
But then you would have to rely on supposedly authentic binaries to run a supposedly secure service.
As a third, shorter (and cheaper) option I'd suggest the new Coursera ML course [0]. If you're short on money, they'll let you take the courses for free.

I don't know how expensive Master's degrees are in Barcelona, but GA Tech has a online Master's in CS for ~$500 per course [1], where you could focus on ML.

[0] https://www.coursera.org/specializations/machine-learning
[1] https://www.omscs.gatech.edu/
I don't think it's just audacity--there are people all over the world doing unique, audacious, amazing things every day, and an incredibly small percentage get much attention at all. The people getting lots of attention are, with few exceptions, either leveraging an influential personal network that was built up over a period of years, working very hard at marketing and promotion, and/or spending money to get that attention. As far as I can tell, this seems to be as true in the art world as it is in tech.

"Yes, you could, but you didn't." should really be:

"Yes, you could, but no one would pay any attention because you don't know the right people, and even if you did, you don't know how to frame a few colored squares on a giant canvas as artistically important."
I'm a Stripe connect application provider, and I get hundreds if not thousands of "Zip code failed validation" decline errors - primarily affecting Canadian customers. The decline rate is too high in my opinion to be user-error.
Thats a great point. As a Go developer I always try to make sure that there's a linux and binary for my small projects released on github.
I'm surprised more Go devs don't do this. The toolchain makes it very easy to update releases. You can also use ldflags to set the current git revision and branch into the project.

Here's an example release.sh I have in most of my projects https://github.com/micromdm/scep/blob/master/cmd/scepclient/...
"Working at one of the Big 4" is not a good way to state your goal. Whatever yor definition of the big 4 is, they are very different companies with different cultures and different products. Find the company (from those four if you want) and product that really excites you and go for that.
https://news.ycombinator.com/item?id=12517230
Mortgages are a special case because the debt is usually tax-subsidized, and depending on the state, one effectively has the option of giving the house to the bank in lieu of paying the remaining balance.
Expect it to be a major feature in any second independence referendum campaign.

I suspect if Scotland ever seceded they'd fudge automatic rights to work in England and open borders (in return for border checks at Scottish airports and a customs union) in a similar manner as needs to be negotiated for Northern Ireland. Those negotiations aren't going to be fun...
The 10 most ridiculous startups at TechCrunch’s Disrupt technology conference
> If you own a computer and an internet connection good enough to torrent blurays then you can afford a DVD and a cheap player, certainly a theatre ticket. "Didn't necessary have the capabilities" is pure rationalisation - it's a fantasy entirely divorced from reality, intended to let him tell himself that he's a good person really.

Even still, it's not your God-given right to consume media. If you can't afford to watch a TV show or movie, that's unfortunate, but that's how it works.
I don't know why someone would create a conspiracy to make stealing == copying when they were both clearly very illegal already. I do agree that naming the charge "receiving illegal goods" would actually fit what they are doing, though.
Ask HN: How to find results removed from Google under 'right to be forgotten'?
Hello,

I'm a journalist looking for a way to identify results removed under EU law. I'd like a big set of pages to search/analyse.

I'm struggling to get my head around how to do this. If anyone has ideas, I'm all ears!
Is the industry winning the war against piracy? I know some people -cough- who told me -cough (damn what's wrong with my throat?)- that lately it's been extremely hard to find new stuff on bittorrent networks.
Ask HN: Help me chose a startup vs. contractor
I am currently a software engineering contractor - I have been offered a role with a startup and I have also been asked to renew my contract for 6 months. I am having a really hard time deciding and have listed the pros and cons of each, I know nobody can tell me what to choose but expressing my thoughts here might help me make a decision even if nobody replies.

Startup pros

* product idea is a very interesting one
* near my house
* Salary is $85k + 0.6% of company
* Startup job is as CTO, I've never had any leadership jobs before
* Idea seems like a good one, the founders have a lot of experience in the industry
* Founders have a lot of industry knowledge

Contract pros

* Contractor income is $600p/d ($130k p/a)
* I like the people I work with
* I like being a contractor, I like the sense of freedom

Startup cons

* My interview had no coding
* Startups are risky
* Company has contracted out the prototype to a software house. I'd be working with one of their engineers
during the handover period. I didn't get very good vibes from this guy, his code seems very over-engineered
(for example, he spent a lot of the time they contracted him for building this big necessary python framework
and convinced them it was necessary). He also seemed hard to talk to. The founders however have a very good
opinion of this engineer.
* Founders have no software industry experience.

Contract cons

* Long commute (hour drive each way)
* Work not that interesting (it's OK though, building a django app)
* 6 month contract will eventually run out and I'll have to find something new.
Tor Browser 6.0.5, with a fix for this bug, is available.

https://blog.torproject.org/blog/tor-browser-605-released
Show HN: PROJECT-0: buldng nxt gen tul. mpowr FREE Afri Afrikings – NU Cwezi
iOS 10 disrupts testing and development plans for software teams
Are they stored in PAGEs?
Practice your softer skills for interviewing. Do you get anxiety over other aspects of the interview, like the fact that there's an interview itself? Work on that. Many times candidates get hired even if they bombed some aspect of the technical portion of the interview, for various subjective reasons. (Also consider asking for a take-home problem where they give you 2 hours or whatever to email back the solution. It can help if that is solid but your on-the-spot whiteboarding is shaky.)

Also consider an SDET role, those can sometimes be easier to get and then you work internally on removing the T if you really don't like that sort of work.
Neat site. I may or may not have attempted an XSS attack (which did work on the Confirm page, but not the homepage).
When you're looking for work, you enter the marketplace with a certain set of skills and experiences.

As you interact with the market, you're supposed to be understanding better what sills and experiences you should have had. Then you start gaining new skills and experiences to match the market.

If your market is so small as to only consist of a few name-brand companies? Your sample size is way too small. This is a numbers game, and you need to play the numbers -- not try to mold yourself into some candidate some arbitrary set of companies would like. Quite frankly, it sounds like a fool's game.

You're a smart person. Play the game according to your rules, not theirs.
If you use M$ products you will find that SQL Server 2016 has R baked in.

https://www.r-bloggers.com/demo-r-in-sql-server-2016/
It's actually a good contra-indicator

My all time favorite wrong call of theirs came in 1999. Oil had dropped to $11 and they were predicting that it could hit $5:

a “normal” market price might now be in
the $5-10 range. Factor in the current
slow growth of the world economy and the
normal price drops to the bottom of that range.

Of course, oil did just the opposite, climbing to about $140 per barrel over the next decade.

http://www.economist.com/node/188181
Real life:

"Did you read Infinite Jest?"

"No"

"Okay"

Academia:

"Did you read Infinite Jest?"

"My small act of countercultural scholarly agency has been to refuse to continue reading or assigning the work of David Foster Wallace. The machine of his celebrity masks, I have argued, the limited benefits of spending the time required to read his work. Our time is better spent elsewhere. I make this assessment given the evidence I have so far accumulated"

"Okay"
It started off innocently enough. "I'll work just a few more hours on this project, because once these changes are in place, I'm going to save so much time when the client changes their mind again." That quickly turned into the normal amount of work on a daily basis, and then weekends started getting gobbled up. I also knew that I had a baby on the way, and I thought I'd put in yet more hours then, so now wouldn't be so bad. Now has come, and it is far worse than I could have imagines.
"inhumane relative to the developed world", then.
18650 is a packaging size. The internals can vary.
"Nothing is real until the money is in the bank."

This is pretty much how life works too!
Damn, I wish I could unread yours so I could meet my daily duplicates quota.
Hacker Extradited to the U.S Facing 99 Years in Jail (YouTube)
I downvoted for "not democracy" and "tyranny of the minority". They are hyperbolic statements you would likely not be making if your side won, especially given what you based these statements on are present in every open, contentious vote ever, would still be true even if your side won, and only serves to inflame the conversation.
> This man is pathetic.

Please leave these out of comments on Hacker News.

https://news.ycombinator.com/newsguidelines.html
Actually, I think buying a (first) house is one of the loopholes. From the linked article:

> "...you can withdraw retirement account money early to pay for education expenses, fund a first-time home purchase, ..."
You Don’t Need to Be from Silicon Valley to Get a Startup Video
There was a room at work that ATnT "owned" that we weren't allowed in...hmmm...
It depends - is the promotion worth it? Is it worth working 60 hours a week? There's more to life than work.

Also, if you get a reputation as a 60 hour worker that's going to be your expectation. After promotion that's going to be the expected schedule. The promotion after that will be the same. The point is you're not just working 60 until the next promotion. You'll probably end up working 60 for the next 10-20 years.

If that's ok with you, and that's what you want, then that's fine.

Another kicker: a company can fire you at pretty much any time and for any reason. Why pour yourself into an enterprise that can toss you aside at any moment?
So weird, I literally updated bash minutes before seeing this post about bash. I followed these instructions to enable it as default https://johndjameson.com/blog/updating-your-shell-with-homeb...
They've gotta show up. How else would anyone know they were doing stuff if they didn't make up meetings to attend?
Is it really capitalism, and is their activity really supported by the market, if it requires overly broad and heavy-handed government intervention?
Just curious, but why crowd source? You're the author, I assume you wrote the questions, didn't you solve them when you wrote them?
Lets start out by being clear here, Udacity "nanodegree" isn't an accredited degree. So please keep that very clearly in mind.

That being said in the SF Bay Area "tech bubble" no one really cares about degrees. They care about what you know and what you can do. That may not be true where you're looking for a job though. You should look at what real job postings are looking for and perhaps talk to a recruiter or two (if possible).

Anything from a real university is likely to provide you a lot more information and access, way more than you can ever get at Udacity. However if you can't afford the time/money, Udacity or similar learning courses may not be a bad option.
Sorry to link to vice.com, but this article about the US "dead people database" was quite interesting. The database (predictably) gets things wrong occasionally because people mistype an SSN or whatever, and when that happens to you it seems to be very difficult to fix it: http://www.vice.com/en_uk/read/how-living-people-are-wrongfu...
I think Vanguard also serves non-US-citizens: https://global.vanguard.com/portal/site/home
Sorry, what do tablet chargers have to do with laptop chargers?

Like you said, "case in point", phone and laptop chargers aren't really going to be getting confused. I think the point you made about your mother is very valid, because a QuickCharge supported charger and a typical standard USB charger will look almost identical, not just in connector shape, but also in absolute size. I agree that adding tablet chargers to the mix confuses that even more. I don't believe that is the case when it comes to laptop chargers vs phone chargers. They are very different in size (both cable and adapter size). They also ship with different products; it's easy to think phone charger, same shape, same size, they do the same thing. I don't know if that will hold true when the chargers are less similar.

I would imagine people will understand "small charger, long charge - big charger, short charge", kinda like they do now, regardless of connector shape. You're right in implying that there is a big difference between tech savvy users and the typical consumer, so maybe I'm completely wrong.
Yep, they make great hardware.

I recommend attending one of their conferences if you ever get the chance. In the US, they usually have one annually in Las Vegas[1] (a lot of fun!, and they have one coming up soon in October). They also do conferences around the world[2].

It's been a few years since I attended one, but they used to (and might still) give out free products at the conferences. Usually it was a free sample of one of their new products. For example, I got an original UniFi device when they launched that product line. Installed it at home (way overkill for a small house!), and it's still working perfectly all these years later (has to be close to 5-6 years).

Ubiquiti's conferences are a lot less expensive than the Mikrotik MUM's (conferences), although Mikrotik's offer a lot of training and what-not as well as normal conference talks.

[1] http://community.ubnt.com/t5/Ubiquiti-Events-and-Conferences...

[2] http://community.ubnt.com/t5/Ubiquiti-Events-and-Conferences...
While timing the market is a no go, from 2000, 2008, now 2016 it does seem we're at the peak again so it does not make much sense to invest in recent years? I stopped putting money into the stock market since a while ago due to this obvious trend/concern(interest rate has been zero for too long, stock has overrun the real economy, stock peaks after 8 years since 2008,etc)
Yeah, I thought the same thing when I joined as a 3C0x2 in 99. 10 years later I was still a 3C0x2 (3D0x4 by then I think, I got out shortly after the AFSC changed), but I was attached to an Army infantry unit (3-1 INF) in Afghanistan as part of the ILO, or in lieu of, program where they would take an Airman from a similar career field in lieu of a soldier. They later renamed it to JET, joint expeditionary tasking. I experienced direct enemy contact as an enlisted Air Force computer programmer. About half of our 80-person team was AF, most in on-the-fob support roles like services and supply, but the mechanics, medics, and civil engineers that were out with us every day were all AF, and all enlisted except two of the CE folks.
Happened to me in HS:

Other guy: Why do you read all these books?

Me: I don't know, just to say I've read them I guess.

Other guy: Well I still say I've read them!

Me: (feel dumb)
In the one urban area that has the worst taxi service in the US, Uber is winning. Great!