skysight-inc/HackerNews huggingface dataset:
> If there was zero risk there should be zero premium.

Suppose someone living the HN dream makes a bunch of money from his startup, and decides to pay off his mortgage. It might be structured as a loan from his company to himself, which then has zero risk.

A bank processing an FHA loan has zero default risk, since the government steps in to pay them. And they often sell the loans to a government-run company anyways.

A bank giving a conventional mortgage will often require 20% down, and again they resell the loans to a government-run corporation after a few years anyways. If you default in those first few years, they effectively get a 20% discount on the original purchase price of the house when they take it. Not zero-risk, but the 2008 financial crisis appears to have only had a 30% drop in house prices. (Obviously, subprime lenders can't resell their loans to the government, and didn't require a heavy down payment)

Generally speaking, the idea that interest mostly pays for risk assumes that there is no 'low-hanging fruit' where guaranteed returns are possible if only there was money. Paying down high-interest debt is one form of guaranteed return, so theoretically there shouldn't be such a thing as high-interest debt if the market was mostly efficient.

I guess the conclusion of your view is that: If people were more diligent about handling their money, banks wouldn't make as much risk-free money.
The problem with smart contracts is that of defining trustless "oracles", or, how do you get data in and out of the network without relying on vulnerable points of centralisation. As soon as you require information about something other than the internal state of the chain, you have a problem. I believe some companies are attempting to implement solutions at the moment but I'm not familiar with the technology.

Crowd-funding is an already popular use case for blockchain contracts, as well as the creation of tradable tokens built on top of the platform. Decentralised exchanges are a nice idea but to my knowledge they are outclassed by the speed of centralised servers. Decentralised, "fair" casinos (such as Edgeless) are also possible with smart contracts but I think they won't be able to compete with traditional casinos that have an edge but offer large and enticing welcome bonuses.

For a quick overview of some of Ethereum's Dapps you can look at:
http://dapps.ethercasts.com/
Are Britons falling out of love with booze?
The housing market in Vancouver is heating up again. The tax does little to stop non-foreign buyers.
I highly doubt it's going to be removed from circulation forever. My guess is it'll be archived internally, the disc itself will end up in their campus museum, and at some point legal will sign off on releasing it to the public.

SC1 is coming up on its 20th anniversary next year, who knows what they'll do for the occasion.
ProtonMail? Fastmail?
Shame is not the word I'd argue is important here, even if it is a factor. But reputation matters.

With governments, it's a lot about the credibility. You could say that it was wise economically for e.g. Argentina to default on its loans in 2001 given the circumstances; however, the default and the associated political rhetoric have cost a great deal to the Argentinian government and people, and it continues its decline, although it was a very wealthy country 80 years ago and effectively avoided the Second World War. The economic and political institutions in the country are not trusted.

I live in Finland, which in 1918 suffered a famine after a bloody civil war. The new government took a loan from U.S. creditors in 1919 to buy food. Many other countries who took similar loans at the same time defaulted them at the Great Depression or the following years in 1930's. Economically, that would have made a lot of sense.

But the Finnish government kept paying it back, even during the beginning of World War II while being attacked by U.S.S.R. This gained a huge positive reputation which helped the country a lot. After the war, the old loan was eventually converted to a fund whose payments were given as university grants and stipends to students coming from Finland to U.S. universities.

It would have been quite easy to default in 1920's or latest in 1940, and most modern economists would have advised for it, but not doing that was a good move.

The loan was eventually finished back in 1984, but the process attracted donors who gave further funding so that the stipend/grant system still exists.
Data from the UK seems to suggest it's not as clear as that. Depends on the make, even cats from the same group VAG vary heavily. Skoda and VW seem good and Audi poor.

http://www.jdpower.com/press-releases/2015-uk-vehicle-depend...
This could not be further from the truth. If anybody else has the private keys to your coins, you don't own the coins. People have been burned by a countless number brokers. They will not leave their coins with a company such as this. Only the most unsophisticated investors leave their coins with brokers.

Anybody knowledgeable enough to invest in multiple cryptocurrencies is smart enough to know they need complete control over the primary keys. Otherwise, your investment could vanish at any moment.
Have you considered a career as a kidnapper? Taking it a bit too far but think about the why. The code is proprietary regardless.
It probably isn't strictly a legal obligation to return the physical disc barring stolen property stuff, but it would definitely be illegal to redistribute copyrighted code without a license to do so. Maybe you could claim some type of fair use but it wouldn't be transformative so I can't see how.

As for morality, I apply the golden rule: if someone found the code I wrote for a groundbreaking piece of software, and I didn't want to open source it, I'd really like for them to respect my wishes and return it.

Edit: I'm unable to reply further, but to clarify I was referring to the maxim of reciprocity or "do unto others". If the positions were reversed I'd want my property returned. If I find someone's wallet I'd return it if possible, as I'd want someone to return mine.

"The needs of the many outweigh the needs of the few" is my favorite Star Trek quote, but I don't think it applies in this situation as it was intended as a motivation for a personal decision to sacrifice, not to force someone else to sacrifice. That line of thought can get pretty dark pretty fast.
A good DDoS mitigation service can take the brunt of the attack and so you stay online. So, it's not exactly like car insurance companies unless insurance companies actually were able to put a steel wall in front of your car to prevent accidents.

But you still get attacked, but it's like a frame around you, so you don't hurt or damaged. (Here's an example of how Incapsula mitigates DDoS attacks - https://www.incapsula.com/ddos/ddos-mitigation-services.html)
It's their right now, but in "life + 70 years" it could have been an incredibly valuable cultural heritage in the hands of the public. Now the game will die when Blizzard chooses to stop adapting the game to new platforms.
It's still their property. IMO non-Blizzard individuals have no right to post it.
Why don’t developers water the plants?
Sure I don't see why not. This is meant to be a Lucene replacement. What are you using currently on bubblehunt?
After looking through that thread, I can't help but think that Mayahana and Mortal Raptor are both shills for Asus, and probably the same person. I wonder what they were banned for.

Their posts read like ads for the router.
Can we just compile js to bytecode? It's silly making huge apps in a language that has to be parsed and compiled on the fly
> #BuckinghamPalace

What's happening? Reddit is down.
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New GUI system for Linux
No, it is not just by gun violence. Regardless of method, other developed countries have a far low rate of intentional homicide than the US.

Of course many countries, like Russia or Brazil have a much worse rates of intentional homicide than the US. But when compared to other developed countries like Japan, Germany, France and so on, the US is much higher.

https://en.wikipedia.org/wiki/List_of_countries_by_intention...
It's a feature originally developed for Bitcoin:

https://bitcoincore.org/en/2016/01/26/segwit-benefits/

Litecoin is based on Bitcoin Core's codebase and therefore inherited it as well. Due to various reasons it's activating on Litecoin before Bitcoin.
Suggest not downvoting parent. Seems a valid question, had valid answers.
I'll agree it's an unfortunate thing that Blizzard hasn't released the code. Personally I'd love to get at Diablo 1's code too. Maybe they will one day, but that right is theirs even though they are a huge corporation. Copyright law doesn't care about that detail. This thread has a lot of people wanting the guy to go vigilante, which I just can't get behind.
Like I said, from a black and white legal standpoint it was the right move.

But so much was lost from not simply uploading it somewhere from an internet cafe.

It enters the same ethical flexibility as things like wikileaks in my opinion
2008 was arguably the biggest market crash since 1929, it was nearly a 50% drop in less than a year. 1973-74 and 2000-2003 were nearly as bad over longer periods, but nothing else comes close.

Seidel literally got a market crash that occurs maybe once every 25 to 50 years and still couldn't win this bet. If he got two crashes he'd still lose because his hedge funds are rowing backwards 4% a year due to high fees.
It's strange that they credit a holdover from the Holy Roman Empire days as being one of the reasons, but ignore the privatization of East German industry and the massive infrastructure investment after reunification.
presumably http://www.news.com.au/entertainment/celebrity-life/royals/q..., at least that's on the top of /r/all
How is this different to getting a warrant to search say a safe deposit box at a bank? Is there something about encrypted data that should be beyond the reach of the law?
But it wouldn't.

Thomas' opinion is very strictly based on the idea that there was once a legal conviction, that was then overturned. That's not something that happens very much in the legal system, and it particularly doesn't happen very much for the small annoying offenses like traffic violations that you're talking about, because it's just not worth the time and effort to overturn them.

He didn't say, "It's cool to fine someone absent a conviction, and then when or if they successfully avoid a conviction, do not give them back their money."
Traffic in the US also seems vastly easier than in other parts of the world, mostly because roads are wider. When i see the some of the chaos in cities like Paris, Barcelona, Rome and the narrow roads in many places, i can only come to the conclusion that it will take a long time before an AI will be able to handle that. Highway/intercity traffic sure, that should be solved in a few years, but the rest will take some time.
Even in Germany we have lots of backroads on the countryside that are so narrow (and have no markings), that you have to go off the street with half of the car if someone is coming from the other direction.
The world can sustain more than one because it already does. Switzerland has a very similar structure and is as successful, if not even more successful. It also shows that Germany doesn't just succeed because of a cheap exchange rate, since most products hidden champions produce aren't that price sensitive.

The world could probably sustain even more companies that focus on long term growth and quality instead of quick products. But that's not how you become famous. You become famous by making a quick app used by millions that you can IPO a few years later. So that's what many people in the world try to achieve. Not building a small company over decades that specializes in something which most people don't even know exists.
More likely imo, someone will be charged with archiving it inside Blizzard and on their internal repos.
Were pension fund managers in 2010 predicting 8% growth? I have my doubts about that.
Although tangentially linked to in the article, David Robinson's Introduction to Empirical Bayes[1] is also an excellent resource. It deals primarily with beta-binomial distributions.

[1] http://varianceexplained.org/r/empirical-bayes-book/
This happens at compile time. Not at runtime.
This happens on the developer’s computer, not the user’s.
Volatility isn't risk.

If I own a machine that legally prints a new hundred dollar bill for me every day, I might be able to sell it for a half million dollars most days.

If one day I check the market and find that it's p crashed and magic hundred dollar bill printing machines are now selling for only $10,000, I haven't lost a penny. In fact I'm about to become much wealthier because I'm not selling, I'm just going to keep printing hundred dollar bills and buy more machines.

Risk is when you overpay for an investment, or don't know how to value it, or are merely speculating. If you can't predict reasonably accurately the future cash flows of your investments, you are taking a lot of risk. Volatility is opportunity.
> I apply the golden rule: if someone found the code I wrote for a groundbreaking piece of software, and I didn't want to open source it, I'd really like for them to respect my wishes and return it.

Is that really the golden rule? What about "the good of the many"?

Returning it to Blizzard directly is good for Blizzard. Returning your code is good for you. Realistically, it has little monetary value (all the "value" will be spent on lawyers arguing what the value is), so maybe it's only good for you because it's simpler for you.

What if your sense of morality is not in line with everyone else's sense, and I'm returning code to someone who will not do "the moral thing" afterwards? Does that make me immoral?

Point is, this is not an easy decision at all. It's not an easy answer at all. I'd be petrified and I believe anyone else who spends time to consider the implications would be too.
What are the advantages over e.g. Subsonic? ( http://www.subsonic.org/pages/index.jsp – there are some popular forks like http://beta.madsonic.org/pages/index.jsp and https://github.com/Mach5/supersonic )
Condos in Vancouver have been appreciating at over 30% YOY for a while now.
Image quality is overvalued when everybody use tricks to post-process their images.

Behind "allows the user to control image quality" we could have brighter dawns + extra aeroplane (that wasn't here), changing clothes tones to corporate colors, putting more red in blood or more sad in faces, eliminating objects or people, adding either perfect skin or a frown and eye bags in the face of a politic, etc, etc...

The "decisive moment" currently is not recorded, is created from scratch.

Historic or journalistic value on the other hand is not necessarily about image quality.
Also reminiscent of OCaml, which is taught in the introductory sequence of CS classes at Harvard (CS51). Introducing CS students to functional programming early on is valuable for distancing Computer Science, the field, from the mechanics of programming.

Also pretty sure that the CS51 class is sponsored by Jane Street Capital (one of the few companies in the world that uses the language!).
Giving back the source code is like burying an ancient Egyptian mummy you just found. Of course the Pharaohs would protest you taking away the mummy but who cares? It is about preserving culture and making its intricate details visible to everyone.
I don't expect much from this...

I've reported countless spammy comments like "free ladies!" and "free $50 per click!"
But FB replies are 100%: "...but our community deemed that comment to be ok with FB guidelines"

FB should definitely see what Korean FB is like recently...
> fund composed of, say, 50% BTC, 20% ETH, 15% LTC and 15% ZEC

> ... buy the top 10 coins weighted according to some measure, and rebalance once a week

As a relatively sophisticated investor myself, I'm not against the idea, but whether or not I'd invest in it would depend heavily on the implementation. And as of now with that example portfolio, I definitely wouldn't invest in it. Having a large btc bias when all the major cryptos are already highly correlated with btc seems redundant, and rebalancing once a week seems like overkill. Also, marketcap is a poor indicator of returns, in case you're considering using it for weighting.
I'm not going to berate the guy for doing what he thought was right, but reading this news doesn't exactly give me a warm fuzzy feeling. Just mixed feelings.
But acquiring guns on the black market isn't going to be an option for many types of shooters. Like the mentally challenged killer in the Sandy Brooke shooting.

Here in Japan, there is of course a black market for guns. But basically the black market is so prohibitively expensive. This eliminates a huge swath of the population, mainly everyone that isn't rich.

And again, I don't dispute that there are other ways to kill. Only that most of them are vastly less efficient, reducing the possibility of sprees like those we see in the US.

Also 600 deaths is nothing to scoff at. Hard to know, but my intuition is that 600 deaths is higher than the number prevented by guns.
Saying Americans have become complacent and lazy because they don't know how to catch, clean, and cook a rabbit is like saying that Americans have become complacent and lazy because they don't know how to steer a covered wagon across the plains.
Maybe on highways in good weather conditions we are close, but the chaos of cities like Paris, Madrid, Rome with their narrow roads and millions of edge case situations will be a tough problems for self driving AIs.
Morality is human defined, but it's the set of ideas that, along with a society's institutions, distinguishes a well functioning society from a corrupt and dysfunctional one. It's the set of memes that allows us to function at the massive group scales that we operate at, that allows us to trust strangers to run things that are vital to our own survival. And when that breaks down, and people start acting in their short-sighted self interest (or you think you see them doing that, anyway), you start seeing that trust crack. I think we've been seeing that happening in the US for a while, and I think corporatism separated from a sense of decency and personal accountability while at work is a large part of the cause.

I don't think that it's right for a company to do what you describe wantonly. I absolutely think we should shame companies when they mistreat people.

And what you're describing with your children is selfish, but it's an understandable selfishness - your children are of course going to be a higher priority to you than society at large, as it is with almost all parents.

Anyway, my idea about the obligations of fulfilling one's debts seems to be an unpopular one, and I'm sure I won't change anyone's mind, especially if they've chosen to take on a lot of debt themselves, so I'll stop here.
Disqus has 51 employees and manages 17 billion pageviews.
I am happy to hear the decisions of voters - putting corrupted populist in charge over and over - has nothing to do with the situation. Bad bad politicians!
>but they're better

Citation needed.

I've played a ton of AAA multiplayer games over the years. Hearthstone is hands down the worst one that I've given a fair chance to (>20-30 hours of playtime). To say that it's better than Counter-Strike (which many regard as the epitome of competetive FPS gaming and has stood the test of time in that role for almost as long as Starcraft has done the same for RTS) is an absolute joke.
Buffett will tell you value investing isn't just being good at valuing investments, its practicing dozens of little techniques to eliminate outside influences from your thought process, so you can make rational decisions in every market. Some smart investor fail because they can't control their own psychology.

Read the Mr Market parable for an overview.
Or put differently: culture is a major driver. The culturally similar Austria and Switzerland, and to a certain extent the Scandinavian countries, have similar strengths.

Sure there are some contributing factors (eurozone monetary policy, labour laws), but thats really the core. I feel like the education system, world class science institutes (Fraunhofer, Max Planck and Helmholtz) and pragmatic vocational training are really just a result of that.
Overly dramatic comparisons, much?
From that article: "U.S. users spend about 12 hours a day consuming media, which seems a relatively hard limit (up only 4% in the past five years)."

12 hours? Wow. TV maxed out at about 5 hours a day.
>>The DHS budget alone dwarfs any proportional safety return that could be made by simply raising the legal driving age by a year.

What?? What does legal driving age has to do with DHS budget? You are simply rambling, different mortality causes have different risk models.

Or to explain simply you are comparing "Apples to Oranges".
Bailouts create more bailouts because people know they are going to get bailed out.
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It's a very twisted train of thought going on here. I had to dig a bit deeper in that thread to find them, but here is an example:

https://www.reddit.com/r/gamecollecting/comments/68xzxt/star...
Coinbase doesn't seem all that doomed to me.

Neither does Polychain Capital, the cryptoasset hedge fund backed by Andreesen Horowitz and Union Square Ventures.
Again, an oversimplification.

Condos, especially 3 bedroom and 4 bedroom condos are on fire right now, because families need a place to live and those are the only homes they can afford. Detached houses east of Cambie are dead right now; all the foreign investors are in Toronto.
I assumed those percentages were just totally made up to demonstrate the idea, not a concrete proposal.
I'm not super knowledgeable, but this seems to me like a good thing. If investors lend money to a government that can't repay, they should lose some of that money. I don't think whole economies should remain in a state of economic slavery.

Is there some way in which this move might turn out bad for the people of Puerto Rico, aside from it probably being more difficult to raise debt in the future at a reasonable rate?
If cows were spherical, we could agree that cows were both cow-shaped, and sphere-shaped.

They aren't, though.
Every A4 owner is crying over his repair bills reading this.
Is Fasting Better for Weight Loss
Is 30 Too Old to Work in a Start Up?
Agreed. But I took the first English news site that showed up. There are enough others.
The point that all the energy mixes together is not the main point. The main point is that dialling up wind does not always help anyone dial down fossil fuels for many reasons, and what we should be striving for and measuring is the reduction in fossil fuel use not the increase in the use of any other generation technology.
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