skysight-inc/HackerNews huggingface dataset:
Ok (for checking) interest rates. Haven't used them for billing yet (I don't think they do proper e-billing, instead they'll send a check for you). I won't say 0 fees. They have fees (like most banks) if you use the card outside the US, but that's why I have my two travel credit cards (AMEX and Visa because not everyone accepts the former, but it gives me the best rewards).

The budgeting is neat, though they added a new "expense" budgeting thing that I haven't quite figured out yet. Previously they had "goals" which you'd set up one at a time, burn through. Like "August Lunch Money" with $200 in the account by 31 August (give me a little to spend each day, not all at once). Now you can make a "Lunch Money" expense that'll get replenished each month, but it's only been around for a couple weeks and I think I set it up wrong.

They still have goals, which are effectively digital envelopes. But if you use other budgeting tools it's somewhat redundant.

Deposits happen quickly, typically within 24 hours of sending the money from my primary checking account (I set up Simple to try and bring some more financial discipline to my life, not to be my sole account).

They don't offer any better API access than anyone else. The joint accounts are neat (3 accounts, one for each person and one shared). But only works for US citizens, my fiancee will have her green card but not qualify until they change that policy or she becomes a citizen (late next decade). Instant transfers between other Simple account holders, which is nice if you have other people you know who use it but the same is true for most banks (near instant intrabank transfers).

Responsive customer service. I've had maybe 3 or 4 issues or questions over the years, and I've always gotten a response (conducted over email) within 24 hours, probably faster but I only check my home email a couple times a day.
A lot of credit unions use Symitar Episys and there are vendors which sell apps and websites for the platform.
Of course it does. I didn't recommend them because they were Black. I recommended them because I knew them. It was statistically 99.9% chance that anyone who went to my HBCU would be Black. The same would happen in the opposite direction.
No, I feel like an important member of a team who is building out a good product. Sure, there are discrepancies between my ideal world, and the ideal world our leadership is taking us to, but that doesn't make me a pawn. I am paid fairly for my work, and in my mind I balance that compensation with the differences between how I would do things vs. how things actually are. Most of the time, the balance is there and I continue with the team, doing my part and fulfilling my role so that everyone else can fulfill theirs.

That being said, if the balance isn't there, and you don't feel you are compensated fairly for your work and the non-ideal parts of the job, then it is time to talk to your boss and work it out. Either change the situation to match your ideals, change the compensation to make it worth it, or leave.

But that decision -- to stay, fight for change, or go -- is completely up to you.
Literally as I was about to reply to you, the doorbell rang and the Uber Eats person dropped off the stuff. They said “thank you” and that was the extent of our interaction.

Most of the people in my building under 60 don’t know ther upstairs neighbors, or even on the same floor. The streets, once filled with people, are mostly empty. People rarely write letters or postcards and visit less often than before. Dating communication has texting instead of voice (takes too long when you’re multitasking). Heck even with birthday wishes - once thoughtful calls have been replaced with facebook posts where you don’t even look at the person’s wall.

If you really think it’s just me, compare photos of the 50s to now. Also here are studies and statistics:

https://en.m.wikipedia.org/wiki/Bowling_Alone

http://www.wired.com/2014/02/outsourcing-humanity-apps/

https://www.theatlantic.com/magazine/archive/2017/09/has-the...

https://theconversation.com/with-teen-mental-health-deterior...

https://www.npr.org/sections/health-shots/2018/05/01/6065885...

http://www.wsj.com/articles/to-beat-the-blues-visits-must-be...
> Lobbies against any attempt at making paying taxes easier for this reason. Their argument is that people should be constantly aware of how much they are paying in taxes, and making it too easy would hinder this.

Can we please stop taking their claims at face value? It is a blatant attempt to destroy the power of the US Federal Government, perhaps the last entity that stands in the way of absolute corporate domination. Norquist is a pawn in this play, just like all the other PAC's, super PAC's, institutions doing "economic research" etc.

The GOP has been consumed by these groups, who have been very clever to "explain" how tax cuts and reducing Government and social security benefits are great, even to those who need them the most. They are a cancer in American society and it still baffles me that these groups are now considered mainstream.
Can it solve this?

https://en.wikipedia.org/wiki/Eternity_II_puzzle
Performance comparison of rust versions
It is boring for the IRS's computers, which calculate everything the IRS needs to know automatically from the data sent by my brokerage firm.
I'm 32 and have enough cash on hand to last ~3 months in case of unexpected job loss, but that's all. "Retirement" isn't something I expect to be able to do.
No, take a loan and buy the Apple.
I work at a small AI startup, and our CEO worked on the AI for the NPCs in F.E.A.R. [0]. He has written about developing the goal-oriented action planning [1] approach in the game. Great to see how it was done!

[0]: https://en.wikipedia.org/wiki/F.E.A.R.
[1]: http://web.media.mit.edu/~jorkin/gdc2006_orkin_jeff_fear.pdf
Yes for roughly 8-threads or so.

16-thread Threadripper is mostly idle in my video-editing tests. I mean, its a great processor. But video editing isn't "heavy enough" for me to recommend a 16-core or bigger processor.
Maybe lobbying and the current rules about campaign finance are undemocratic and should be changed, but meantime where's the lobbying group where we can donate to advocate for tax simplification?

I used to think it was Americans for Tax Reform, now I think Tax Policy Center is the closest thing, but while Bankman has worked a lot with them in the past, in this article they seem at least ambivalent if not opposed to it.

Any other suggestions of which nonprofit lobbying organizations can be used to offset the impact of Americans for Tax Reform, Intuit, and other organizations who favor tax complexification?
Good point. I’m planning on implementing a static (always-enabled) toolbar for mobile devices — hopefully that’ll make it better.
This is like when people say, "I don't know anybody who voted for the other party!"

Lots and lots and lots of people don't have any expenses. They don't itemize. They don't want, have, or need any of the stuff you're protesting about. They have a job. And that job reports their income to the IRS. End of story. Case closed. That's it. That's their entire situation.

You're imagining another kind of person, but I'm not talking about that other kind of person.
I'm having trouble understanding what this does. Apparently there's a popover when you select the text you typed. I had to go to https://github.com/ekmartin/unicode-style to figure this out.
"At this point, the researchers also realized that the heat could inadvertently melt the adhesive cellophane and cause the flaming SPTs to suddenly eject from the toaster. Unfortunately, this did not occur."

QOTD!
No, I'd rather say "gear" than "pawn". If I can be well compensated to do what I enjoy doing, why not? But then again I'm satisfied with my employment.
I have been using a product called ESET Parental Control for android. With this on the device, you can set allowed hours, apps, sites, etc. It has the ability to set duration of usage, and allowed apps 'regardless of time frame/other rules'. It has a location tracker and also allows emergency calling/texting to set numbers no matter what. While I do not advocate for censorship at all, in the case of my kid, without this app he would be using the devices at all times no matter what the rules and limitations are. This helps give a better piece of mind and technological aid for the parent. It's not entirely fool proof or without its downsides, but I also do not use it as a spying tactic; merely to limit device usage and applications.
This Is Why I Stopped Using Google
In in the UK my pension deposit is 24.5% of my pre tax salary that said this isn’t money I can touch for an emergency.
Almost always. It's gotten better with the rise of password managers that generate random passwords, but otherwise, passwords are usually shared across many websites and usually less than 16 characters.
For several months I've been in an extended period where I'm not even really solving problems, certainly not complicated ones. It's worse.
3,148 word explainer on blockchain/cryptocurrency journalism marketplace Civil
Like almost everything in life, it depends on your intentions.
There is a fantastic series of talks he gave in the late '60s at Harvard. It can be almost meditative to hear him addressing literature, poetry and philosophy in his own thoughtful voice.

Listen at:

http://www.openculture.com/2012/05/jorge_luis_borges_1967-8_...
Thank you for reporting back!
Or they have trust funds, inheritances, profited from dead parents home sales, etc.
So it would be nice if they contrasted this again other generations - "About 66% of people between the ages of 21 and 32 have absolutely nothing saved for retirement". So? My impression is other generations at this age also hadn't exactly been saving a lot. Is this just saying the millennial general is just the same as others? Or way out wack?
https://github.com/ekmartin/unicode-style/blob/master/src/tr...

I learned something new today, thanks!
I was an assistant for a study that tested people's memory and 'digital memory'. We showed people info on a computer and said they'd need to recall it. Half of those people were told they'd have access to the computer to reference it. Sometimes we changed the location of the data so they'd look where it is but it was gone.

I don't remember the exact set up, but the result was effectively that people remembered where the info was stored, rather than the info itself. So like you explained, the computer is just external memory. It would make sense that its also external inputs, outputs, etc.
In spite of all the statistics that suggest I'm doing pretty well toward retirement compared to most of my generation, I feel quite a bit of anxiety about how much I'm saving.

I'm not confident that I'll receive social security. Huge health expenses may come up.

How do others feel? You're not all billionaire unicorns on this site, are you?
Andreessen Horowitz Launches VC Fund with Durant, Smith, Other Black Investors
At least with Thunderbolt the port can be used for other purposes since it's backwards compatible.
There is, sort-of, and the macro appears to kill this tool. ;)
I save at least 15% of my salary and I live in a moderately priced city(Minneapolis). For me the biggest reasons for having a large 401K is starting early, the employer match, the S&P 500 performing well and the lowish cost of living, and of course a solid salary.
cfssl shell wrapper https://github.com/epcim/cfssl-pki
Wow, this is right in my town and I had no idea! Kind of re-enforces my point as I am their prime market and not familiar with them at all. On second glance, it looks like I don't qualify, which is probably a barrier for larger market share.
So what would you call it if a human tried random inputs to a dog

A waste of time? When I train a dog, I want the dog to respond to a specific input, for instance saying the word "sit". I'm not going to stand there trying different words until the dog's ass hits the ground.

The difference lies in that the dog cannot be said that it wanted the door opened when it tapped the glass. The dog simply wanted the door to open. Of the many things the dog (might have) tried, tapping the glass was the only thing that worked. So the dog goes with that from now on.

Is the input just as crucial? Yes, it is. If for no other reason than a standardization of language. Because teaching your two year old to just use whatever random word she makes up for what the rest of us call "strawberry" isn't going to get her very far in life. In a similar manner, standardization of language with dogs is just as essential. I've got two dogs, you think I'm learning a different language for each? Duh, no. Consistency of input/desired-output mappings is a key element to training in general.
This is what working in a big company is like sometimes. Imagine a person like MaxLeiter working in Netflix. You would think that all staff would be happy that their work became easier. But a minority seem to have a zero-sum mindset.

When I finish my current work I will talk about that also. Some of my older work is speech recognition. Download my thesis.
It lets you 𝗯𝗼𝗹𝗱 or 𝕤𝕥𝕪𝕝𝕖 stuff in unicode, so plain-text places (like Hacker News) can get formatting.
Cache-Line Aware Data Structures
Maybe Stripe will surprise us with a product that makes this easy to do.
Maybe email the authors? Its weird to see people asking to steal something straight up on HN. Its a product, has a price, and people dont want to pay it, and $31.50 is cheap.
It’s about 40% for Gen X and Boomers:

https://www.fool.com/retirement/2018/01/29/guess-how-many-ge...
Very good book. It’s astounding that the heritage of Bell Labs is so great that Unix only gets a mention in passing. It starts out with an overview of the American telecom monopoly in order to put Bell Labs into context, explains how they perfected the vacuum tube and where able to construct the type of amplifiers required for coast to coast communication, dwelves into Claude Shannon’s work and the role played by Bell Labs during the war years before dwelving into detail about how the transistor was invented.

All this work was first published in the Bell System Technical Journal.
> Is slicker to use than Tumblr

What are you on? Tumblr isn't great, but it doesn't force you into its hard to use, storage space gobbling, facebook influenced app. They add insult to insult to insult by having a website that allows uploading, but only presenting it when you pretend to be using a smartphone.

You can't download photos. No collections. No public liking / reblogging. Tumblr has that and allows you to use it on your computer.

Ads on Tumblr are less cancerous. You can ZOOM IN ON PICTURES.
Everyone uses the more mild version of dehumanizing language, reduction to abstraction [1], because it's more efficient to consider groups of people and it removes emotions from decisions.

For example, when considering latency you might say:

The service is experiencing 3 seconds of latency at the 99th percentile with periodic timeouts.

You wouldn't say

Alice wasn't able to buy medicine because the transaction failed.

[1] https://en.wikipedia.org/wiki/Dehumanization
So... I apparently messed up my 2016 taxes, and the IRS sent me a letter entitled "suggested tax correction" or something to that effect. They attached the data that they claimed I omitted (indeed, Turbotax silently discarded that data), and how much I owed. I then paid them online.

I think the IRS is super paranoid about people hiding information from them, and then never being liable for the taxes. Right now, if they miss some income, you might report it to them on your return, and they get money they didn't know they were entitled to.

I thought the letter with "pay us this amount of money" was great, though. Wish they just sent that at the end of the tax year.
If the only thing you have to say about your position is "I'm not going to bother to go into it. Read Deutsch", I don't imagine you'll persuade many people that there's anything worthwhile they'd get out of Deutsch.
Looking for Employees. Short Weeks
Check Out Solaris Bank. AFAIK they provide some someehat similar Services.
They want you to use it as a black box. It works, just don't ask how it works.
Just so.

> But then, surprising everyone in the room, she cried, “They took my f...ing phone!”

> The first was that Kelly’s unhealthy attachment to her phone continued, causing almost constant tension at home.

So for her, it's not just a phone. It's a substantial chunk of her reality. It probably feels not that far from forcible lobotomy. Or at least, being isolated from her friends and interests.

There's also the autonomy issue.
Obligatory XKCD:

https://www.xkcd.com/1108/
I'm assuming those are IB, Consulting grads at top undergrad business schools along with top undergrad engineers from the top 20. All three are raking in 100k+ starting at 22. Some of us also have parents who live close enough to major cities so saving on 1-2k a month on rent. There's a massive split in the millennial. There's a 0.1% who have parents rich enough that nothing matters, the 9.9% who are snapping up the competitive professional jobs and the 90% who are just trying to survive and start a career.
Hotel security are not police.
By that logic everything you physically touch has potential for addiction? So like.. using a hand rail on the stairs releases more oxycontin than not using the hand rail? I'll be happier if I touch more stuff?
>> It is amazing that the median is under $20k and the average is nearly $70k. This means there are some folks with very large retirement savings that are pulling the average up a lot.

I am 30 and I have about $140k in 401k.

EDIT: Why the downvotes? I'm just affirming with a datapoint. There is an extreme inequality in America and I'm willingly acknowledging that.
As somebody who is ideologically predisposed against speed limits, bullshit.

If you've ever gone much faster than is customary for a road (say 110mph following a cop), and then slowed down to say 90mph, it will feel quite slow. If you then don't set about consciously lowering your speed, you will even find yourself creeping back up.

Humans are notoriously bad at perceiving what-if dangers and being aware of our own limitations. The level of difficulty we perceive is what's required to keep up with the expected - road curves, passing other predicable cars, etc - not because we're anticipating surprises.

Another example is outdriving one's headlights - either the sheer amount of deer that get hit, or when you flip on your high beams in a fog and actually become aware of how little you could see.
Convert any website to microservices in 1 click
Keep in mind compound growth. Over the last 5 years, S&P 500 is up almost 100%.
Mid 30s my self, I have cash in the bank of more than a year's worth of my current salary BUT, zero saved for retirement.

I do not own a home, but expect to convert most of that liquid savings if the opportunity does arise.

I do not make enough to qualify for owing a home in the area I live.

I also don't anticipate growth in the markets long term over the period of my life to retirement; I fully expect the unfinished recession will need to show a bug ugly period again with an ACTUAL market correction and I foolishly hope we'll finally stop chasing bubbles after that because it will be politically untenable to not FULLY socialize retirement and (at least basic) health-care costs.
> A hostile nation targeted our elections in 2016. We know that much.

I hope there can be some sort of a partial agreement that Noam Chomsky isn't a partisan hack, let's see what he has to say on the matter:

https://www.youtube.com/watch?v=2vVXlLgifxQ

I encourage everyone to watch the whole video, as there is some interesting (in that is it rather contradictory to the current mainstream narrative) footage of various Democrat opinions on Russia, and the degree to which they should be considered a threat to America. I feel fairly confident this footage predates "Deep Fakes" technology, if anyone suspects it isn't legit please let me know.
The majority of workers under 32 have not worked through a bear market yet, let alone lost a significant chunk of savings to one.
CNN really loves to write about Millennials and retirement:
https://duckduckgo.com/?q=millennials+retirement+site%3Acnn....

My favorites are:
https://money.cnn.com/2014/05/02/retirement/retirement-mille...
https://money.cnn.com/2015/05/06/retirement/retirement-savin...

written almost exactly a year apart and contradicting the other articles
I believe if you disable the Google app the search box will go away. This is just the app that handles searches, you can keep Google Play Services and other things.
> Even more challenging, true digital transformation will almost always fail if executed from within the organization. Why? Because the change is so disruptive that the existing organization chokes it off.

Though I've never worked on these sorts of enterprise transformation projects (at least not at this scale), it's pretty interesting how the internal dynamics/politics can affect them and cause most of them to fail. Normally, my takeaway is that you can learn a lot more from failed projects. But this sort of project ends in failure so often, I think the reverse is actually true (for once).

Consider the (resoundingly) successful example of Disney's Next Generation Experience (NGE) project team, which developed what was eventually known as MyMagic+ at Walt Disney World.[0][1] They were basically given carte blanche to interrogate every aspect of the vacation experience to reinvent it, settling on using RFID-equipped "MagicBands" that would replace tickets, photo cards, credit cards, etc. There wasn't an aspect of the vacation experience, or a department within the Parks division, that wouldn't have been radically changed by NGE. When the board approved the $1bn project, Bob Iger told the executive in charge of it "this better work." There was infighting, turf wars, and everything else; it's not that people wanted it to fail, but everyone had their own idea of how to define success. And yet, despite everything, it succeeded beyond even Disney's collective imagination.

These projects might be damned infuriating when you're working on them, but they're fascinating to read about from afar.

0. https://www.fastcompany.com/3044283/the-messy-business-of-re...

1. https://www.wired.com/2015/03/disney-magicband/
Who’s Afraid of Tom Arnold? Inside his manic quest to find the Apprentice tapes
Oh man, was this Schwab that did that to you? This happened to me and I just paid... but I did not check the cost basis. (I should know, too, because Schwab did this on another year and I caught it.)
I think Intel has good NDA support for paying customers. It's just the public they don't care about.
The recommended speed on the Autobahn is 130 km/h, but in the unrestricted sections you can technically drive as fast as you want, conditions permitting. The fact that the average speed in an unrestricted section with light traffic was only 132 km/h suggests that the vast majority of drivers don't actually want to drive much faster than that.
Scooby Snacks! (I'm sure they weren't graham crackers.)
Purely a marketing problem then. If someone makes apple 2.0, sells high-end flip phones for $2,000 each, the goal would be achieved.
> Surprisingly sophisticated.

I distinctly remember them being advertised as intelligent little friends who learn about you.
it defeats the purpose a little, but it'd be nice to set the spoken speed faster while leaving normal length pauses
I'm pretty sure this is their business model rather than an unwanted misconception. FB's growth in the US is slowing so it's to their advantage to monopolize traffic in developing countries.
Google releases source for Google I/O 2018 for Android
An OPINION article from the hard left New York Times on a political issue probably doesn't really belong on HN.

Check out https://news.ycombinator.com/newsguidelines.html and the 2nd sentence on the 1st section points this out as off topic.

No offense intended, but this is probably better posted on hard left political sites like reddit /r/Politics /r/TrumpSucks etc. instead of a tech / startup news site.