skysight-inc/HackerNews huggingface dataset:
You definitely need to add an attention mechanism if you want better-than-markov-chain results.

Found a project ;)
Not having savings doesn't necessarily mean they don't have access to easy credit.

Apple even run their iPhone Upgrade Programme[1] to get people paying monthly for their new phone (+ Applecare).

[1]https://www.apple.com/uk/shop/iphone/iphone-upgrade-program
Yes, but the old are a key voting demographic, so governments tend to be very cautious about anything that might be seen as anti-pension.
Getting a new car every 3-4 years is extremly expensive. A lot of people think they can't live with an old beater, that they absolutely must have a "new-ish" car. An old beater for those people is a 5 year old car. An old beater for me is an 15-20 year old car.

"Warren Buffett lives in a modest house that's worth 0.001% of his total wealth".
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By "post WW2 rebuilding" do you mean a specific limited time period?

Because otherwise, "None" is a bit strong - there's hundreds of new homes and apartments within 5 miles of me that have dedicated parking spaces.

Even my block (seems to be 1960s) has dedicated off-street parking for 8 cars (admittedly there are 12 flats but I suspect 8 cars for 12 flats in the 60s was an outlandish estimate.)
https://techcrunch.com/2017/08/03/yc-backed-muzmatch-definit...
Which country are you in, UK? The standard default here would be to put it in some combination of a stocks ISA and a high-interest savings account.

If you really want to keep it for 30 years the tax advantages of a pension are unbeatable and your employer is obliged to try to default you into one.
Why Every Student Should Study Abroad at Least for a Few Months
Interesetingly in the Nordics this is already done. Practically all the parking spots (excluding street side) have 230VAC outlets for engine block warming.
Comment threads are a useful way of organizing the discussion, why did you choose to not use it?
Your situation is extremely scary but not uncommon. Please see a financial adviser as soon as you can, it can make a world of difference (disclaimer, I am a financial adviser). If you can't, I humbly suggest:

1. Save up a 1000 € in an 'Extreme Emergency Fund' LIKE YOUR LIFE DEPENDED ON IT

2. Work out exactly where each euro goes each month and start cutting down your unnecessary expenses and keep to a strict budget

3. Pay off all debts (except your home mortgage) LIKE YOUR LIFE DEPENDED ON IT using the money you would have frivolously spent

4. Fully fund a 'Proper Emergency Fund' to the value of between 3 to 6 months worth of expenses (depending on how much sick pay/unemployment insurance you have from your employer/country)

5: Invest at least 15% of your household income into retirement

6: Start paying off your home mortgage early

7: Use the excess money to build wealth

Do not skip over a step. If you need help let me know.
That's no tax on private pension contributions, which have an up-front agreed pay out date.

There is a state pension as well, and the retirement age is gradually being increased, but as I understand it that's always for people currently below a certain age - i.e. you won't get to 66 and then suddenly have your retirement age increased to 67.
>>enjoying ourself have been more important that savings.

This is the main thing. People seem to always have money for gadgets, eating out, vacations and garden variety never-to-return expenditure. Yet savings are always dwindling and in many cases most people are in debt.

Marketing has done a good job of convincing people to spend money in the present. Even the money they don't have.

>>People care about _their_ retirement, not about everybody's retirement, not how society will find a balance or how their neighbor is going to survive.

There have to be consequence for bad habits. Free money hasn't done well to anybody around.

Also expecting some one hardworking to part their savings to pay for somebody who has partied all life is not just unfair, its theft.
@anonymouskid, I'm 31 and have been working since I was 16. From 16 to 25 years old I did various construction jobs (tiling, roofing, etc) and always worked for peanuts - many times I wouldn't get paid on time and sometimes they wouldn't pay me at all. Including the US, I have lived in three countries and had to learn the language and adapt at each country from scratch.

As a self-taught programmer in the Bay Area (no college degree) I made around 145K at my last job - my dream job! Yet I quit and went on a trip for a few months to refuel. Now that I'm back in the Bay Area, I'm trying to start from scratch once more and it's scary. However, I have faith in myself that I-will-figure-it-out! I don't know how yet, but I know I will. After all, that was the whole point of the refueling, to put myself in uncomfortable situations and see if I can figure it out!

Sometimes you might feel burnt out, scared, angry, or confused. It's totally normal - all these feelings are as important as happiness for a diverse life. I have found that sometimes all I need is some refueling. Other times I've needed to make drastic changes in my life - for example starting a new career, moving to a different country, or committing to a hobby that has nothing to do with programming or computers.

Life is all about trying different things. The other option is that it happens on its own. When I complained to a manager once about a task, she reminded me that "It's not rainbows everyday"... and indeed it's not.
I really hope so!
>When you say that, you conventiently forget that Apple re-invented the smartphone. It was an proven thing...

That's what it looks like from the outside, but listening to interviews with current and former Apple people that's not at all how it looked from the inside.

When they initially developed the OSX derived core OS, System architecture and UI libraries they weren't thinking about phones at all. It was intended to be a tablet computer OS. It's only fairly late on in development that Jobs pivoted the team to adapt the technology to a phone form factor and tacked on a phone app and cellular radio. It was not at all developed from the starting point of looking at existing phones and going from there. Things like touch swipe to scroll and pinch to zoom were taken straight from contemporary touch UI research, not Palm or any other existing commercial products.
As far as I have read, general relativity is thoroughly battle tested. Any hand-waving theories of quantum gravity that require amendment of general relativity thus should be viewed with a grain of salt (instead of dominating the discussion as some of them seem to do)
Dropping the pressure in the tire will lead to (way) higher risk of tearing of the tire fabric. You should never drive with a deflated tire, it multiplies the risk of tire failure like crazy.

So no, deflated spherical wheels is not a good idea :/
The dependency ratio has gone up something like ~11-15% since the 50s whereas GDP has gone up something like 2-300%.

This is where your pension wealth actually went:

https://cdn.americanprogress.org/wp-content/uploads/2014/09/...

>Retirement is the golden carrot dangled in front of us

Not exactly. The 1% keeps pushing the "demographic time bomb" trope through the media precisely to make us believe that that this "golden carrot" is a vain hope.
Thanks, great explanation!
Don't overlook the massive increases in government spending at all levels. That money has to come from somewhere.
Yes. I looked at diverse investments but I'm still looking at losing at least 30% of value compared to inflation.

I have opted out of the mandatory pensions as I had debt to pay off and it makes more sense to invest in that. I'm not happy with the risk profiles of the investments they offer as well as even the low risk one has a shit return.

I'm looking for something different. TBH I'm making a reliable £300/month clear profit for a few hours effort on ebay buying and selling crap which over time has a better investment return sticking it in a low interest account that sticking a portion of salary in high interest.

That's working for now but I want something that requires less effort :)
Unfortunately yes. I save mostly into a pension but also into ISA's (not taxed on gains), so that if the government moves the goalposts I can still retire at my target date and live from this until I can access my pension.
In France a large part of childcare is subsidized : kindergarden (the less you earn the less you pay, but there is not enough spots), schools since 3 (free for everybody), good public health centers if you want (PMI).
Also prenatal care is free (you don't pay thousands of euros to have a baby.)
That result in good numbers for a western country: in comparison with Germany for example, women tend to have more children (2.3) and have them younger with less impact on their career and revenue.
> they eat well, they have clothes and can afford pleasures.

Then they/you can save. Don't blame external things on your lack of savings.

Say after me: If you are in the position you describe and aren't saving then you are choosing to live beyond your means.
In Germany the retirement system is far from perfect - but it at least keeps (most) people from being homeless or starving.

The lack of universal health insurance in the USA is basically traceable to the same societal shortcomings. Why should a rich banker support with his premium health insurance for a woman who gets pregnant - as he's not getting pregnant anyway. That's a very egoistical way to look at communal cooperation but at the end of the day the reason for why ACA is being sabotaged by many politicians.
Silicon Valley siphons our data like oil.But the deepest drilling has just begun
We have done something similar for the hn search at Algolia but flagged it under style -> experimental in the settings panel. It's not a grid layout, but more a refresher to the current design. https://hn.algolia.com
More new gTLD case studies
>Who will pay for all the people who didn't save? The people who did.

Correct. It is generally a good idea to consider all of the money being paid into Social Security to be completely wasted. I am in my early-mid 30s and I do not expect to see a dime of it. I think it will either be insolvent or subject to some ridiculous tax structure if people have earned X dollars in their lifetimes or spent too many years in high tax brackets (which I expect to in my late 30s and 40s).

Taxes will also go up dramatically as the years go by. I have a maxed-yearly Roth IRA but I also don't expect the government to keep their promise on letting me take out 100% of it tax-free despite all my contributions being post-tax. I expect to be double taxed on that, because, well, why not?

Retirement is ridiculous. It's just generally safe to assume all of your money is going to be taxed at a much higher rate and through loopholes/broken promises by the government. We face a really huge shortfall in the next few decades in public welfare programs, Social Security, and other tax-advantaged vehicles that I doubt will be honored down the line.
Honestly, I'm not sure it's any threat from Samsung that means Google won't do this. I think it's (justified) fear from their legal team that adding any additional licensing terms to the Play Store right now given the European Commission are about to come down on them like a ton of bricks under anti-competition law is suicidal.

Shame Google wasted a lot of capital they had trying to do some really silly things in Android for a few years, and didn't lance this boil while they still had the chance.
Attempting to actually have a life outside of the work, eat, sleep cycle and save money is difficult, though. Reading the experiences of "frugal" people suggests that they often barely do anything that isn't absolutely required to survive and hold down a job - this must surely be incredibly bad for their mental health from my perspective, but perhaps some people can live like that.

The actual trick is probably to make most of your savings in other places - a smaller house/apartment with less "stuff" to fill it might feel just as good, ensure that you always have some form of pre-cooked food in the house to avoid the temptation of takeout for no reason other than having no energy to cook, figure out whether you can spend less on transport (do you really need the big new car for the one time a year you go on vacation, or could you rent a vehicle or take the Greyhound/Megabus/etc for that weekend?), figure out whether you actually need the latest flagship phone and an unlimited data plan (maybe consuming netflix, youtube, and spotify on the mobile network isn't such a great idea?). These are big-ticket items and it's almost always possible to save significantly on them without changing your lifestyle if you're "comfortably living".
Brace yourself. SJWs are coming after software projects this year.
They almost certainly cannot do that in Europe at the moment given the regulatory situation. Indeed, I expect to see far fewer restrictions going forward, not more.
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You can use CL for #!-scripts too. SBCL has a `--script` option for running scripts. You'll probably want to create a core with whatever libraries you need for scrips, so that the start-up time will be fast. The core will be big, but it can be shared for all scripts, so that's not much of a problem.
Performance Comparison: Xamarin.Forms,Xamarin.iOS,Xamarin.Android vs. Native Apps
Captive, another cult classic from early 90s used another novel method of calculating the stats for the characters. The game used an algorithm that determined the stats based on the name the player gave to each character. I even remember seeing some recommended names on the cheats & tips sections of some computer games magazines back in the day.
You make some good points. Working yourself to the bone until retirement is probably not the best approach. Spending ALL your money is maybe a bad idea though.

My plan is in the middle somewhere. I earn a decent living, and have a modest pension. The plan though is to save enough for a large piece of land in a cheap but stable country (inasmuch as THAT's possible - current thinking is Austria or South Africa), with a house, and then become self-sufficient on that land. Until I cash in my chips.
> saving 10% of my income will not, in any way, let me live through my retirements. Not at half of my current life style anyway. And I do earn more money that most people.

sounds like you need to learn to live more frugal, then.

learning to not consume blindly but instead responsibly is just as important as saving money.
It's not retirement that's ridiculous, it's that old people have a vote in this and because that vote is so overpowering, no-one will even try and fix the issue until it's too late.
> capacitive touch

Without this I do not thing anything qualifies as "acts like first gen iPhone".
It's sad that the plots are mostly unlabelled because that aside they're fairly clear:

On the color maps, vertical is the score you got on your last roll (sum of all attributes), horizontal is the index of the current roll, color is the chance of getting a better roll.

There is no "hard line" for when to stop because it depends on how risk-averse you are, and compounding the lack of labelling the labelling of color maps 3 and 4 is the opposite of what it shows: it's how the map changes when you lower risk averseness (increase risk seeking) by increasing probability thresholds compared to map 2.
In the free market of ideas the bad ideas will lose and the good ones will win.

Do you have proof of this? Seems that a lot of bad ideas win. Or are we defining good and bad ideas circularly; the ones that win are the good ones?
You'd like the short story 'Human Readable' by Cory Doctorow: http://craphound.com/walh/Cory_Doctorow_-_With_a_Little_Help...
They certainly have the market power to skip the line, but they still go in the line, unlike some suggestions here.
It's most expensive to have 1 child - then each child after the first is cheaper to raise, especially if they are of similar age. Once you get to 3+ kids it almost makes no difference. But, it depends very heavily on your lifestyle. If you think that every child needs their own bedroom, they all have to go to private schools, they all have to go to Disneyland every year, if you have to pay for healthcare and/or kindergarten, then yeah, the costs are exponential. But if you live in any modern country with good social care(this does not include US) and you think kids can survive without luxuries, then yeah, it's actually completely doable.
His voice reminds me of Geoffrey Palmer's, whose reading of The Man Who Was Thursday for the BBC is excellent.

My main problem with audiobooks are the narrators, especially in fiction; I give up on about 2/3 of the books for that reason. I have a similar problem with TV shows like The Walking Dead - the acting is just too mediocre. Maybe I'm a snob, but it literally yanks my suspension of disbelief away.

I don't think I ever listened to one read by Guidall, though; does anyone have a recommendation?
If you really expect your Roth to be double taxed, why not contribute to a traditional IRA instead?
Pensions have long been a mess because of shady union practices. They generously award over time to retirees in the last 3-4 years of service, this often sends up their average compensation by a factor of 3 to 4. Then you also have other benefits. No pension fund can pay for something like this. So you have to take money from the tax payer to pay for these people. The day tax payers decide to call it quits, it will all collapse.

Plus this still doesn't say anything about people in non-govt sectors.
And when something goes wrong with the infrastructure - chaos.
They are also not left, as many claim. To be on the left, you should care about (social and economic) equality of people in general, not just in particular social group.
>I fully expect it will be people who are saving their income that will pay to fund those who are not in the future if the latter is the majority.

Absolutely. I expect the government to renege on most tax-advantaged programs for retirement they instituted in the 1960s and on (Roth IRA etc). I expect Social Security to stop being paid to higher net-worth individuals or for them to be pushed into a later age where they can collect it.

The crisis we face isn't one that is going to be fixed easily. Government receipt shortfalls project to be massive in a few decades.
I really have problems reading this website. You don't have to make a website bloated to make it readable: http://bettermotherfuckingwebsite.com
Ironically, when I worked at Bloomberg, I failed to get a stand up desk for myself. HR made people jump through so many hoops. A note from this doctor and an approval from that specialist, on and on. I tried for months. Then I brought in a swiss ball to sit on and it got taken away. And all of that was in 2014, not that long ago.
I like the clap feature. I wasn't quite sure what to think of it at the start but it definitely better than a binary 'like'.

It gives me the ability to drop 'claps' as I'm scrolling through an article and liking certain parts. I get to the end and there's a total of however-many claps I've clapped.

I hope medium are tracking the position each clap was made, along with certain things like if a user genuinely read the article - opposed to those who just clapped from the front page or at the top of the article without scrolling.
> I have a hard time believing anyone would commit a murder on a submarine in Denmark. I feel like it's almost impossible to cover that up.

The 'perfect crime' doesn't have to leave you above suspicion; but it has to deny sufficient evidence to convict you. You might believe your plan avoided incriminating you to the point that you can plausibly claim that you didn't commit the murder or tried to conceal the evidence.

Basically, a psychopath would think they could cover it up.
If that's it for negatives, it sounds like a heck of a car. Thanks again.
Looks cool, but only Fahrenheit.
I second that. Someone said Yesterday is history, tomorrow is mystery and today is a gift! but still there should be a balance
The best fix for this - which is in the works - is destroying the higher education model through MOOCs and alternative credentialing programs. The education bubble can't be long for this world.
Well done, I had the urge to google the second most commonly spoken language while reading the article.

I turned my phone in some kind of a "dumb phone":

- Deleted all games, news apps, basically all the apps I don't regulary need

- Turned off email. It's still configured, I turn it on if I need to read an email

- No push notifications at all

Next step: Turn off mobile data for browser and only activate it if I need to read something. I'm just not ready yet!
I've found 1-2 walks around the parking lot per day to be a great boost to my well-being. I usually do it solo (escape from open office overload), though at my last job one of the more senior people would usually round up a core group for a good half hour walk.

If anything, taking active breaks has been good for my career. Often I go when I finish a task/segment and the quiet, outdoor time give my mind a chance to wander and put things in context so that I can choose my next tasks effectively.

It's anecdotal, but I suspect that the people who eat lunch at their desk and don't get up all day aren't actually creating more value than those who take some time. A quick search indicates there are at least some studies backing this up [1]. I'd be curious if there is evidence that points the other way though.

[1]http://m.huffpost.com/us/entry/8548292